PROTECT THE TRIP OF YOUR DREAMS!

FAQs

This page answers frequently asked questions (FAQs) about purchasing single trip travel insurance.

If your question isn’t listed below, please contact us.

General Questions

  • General
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  • 1. For what reasons should I purchase Travel Insurance?
     

    Travel Insurance covers unforeseen issues that may occur before or during your trip. It can protect you from losing your monetary investment if you have to cancel your trip within the penalty period where travel suppliers and tour operators keep your non-refundable deposits. It also provides coverage for other problems that you may face during your trip, such as lost, stolen, or damaged baggage, reimbursement of medical expenses and expenses incurred to evacuate you back to your home and more.

  • 2. How will travel insurance help me?
     

    You can purchase Travel Insurance as a safety net to help protect yourself in case unexpected events negatively impact your travel plans. It works quite similarly to other insurance policies in the following ways:

    We recommend that you purchase your plan soon after making your initial trip payment to be eligible for the most coverage, but you must purchase travel insurance before anything actually happens to disrupt your trip.

    To understand exactly what the policy will cover and what it won’t, you must read your chosen policy carefully before buying it.

    If there is a problem and you need to file a claim, you’ll have to provide documentation of your issue, such as receipts or police reports.

    Like most other forms of insurance, Travel Insurance works on a reimbursement basis. That means you’ll have to pay your own costs up front, then be reimbursed by the company once they’ve approved your claim.

  • 3. What benefits does Travel Insurance include?
     

    Besides providing coverage for trip cancellation and interruption, these plans include reimbursement due to trip delays, emergency medical expenses, baggage, emergency medical evacuations, accidental death and dismemberment, along with other assistance services and benefits.

  • 4. What is the difference between your STANDARD Plan and the CANCEL FOR ANY REASON Plan?
     

    The Standard Plan includes 30+ common events that would provide for up to 100% of your trip cost to be reimbursed. The Cancel for Any Reason Plan includes all coverages included in the Standard Plan but in addition provides for 60% reimbursement for trip cancellations for any reason whatsoever. See coverage details for full coverage benefits.

  • 5. How do I figure the total cost of my trip?
     

    To figure the insurable cost of your trip, add together the cost of all your prepaid non-refundable travel expenses.

  • 6. Can I insure my trip if I made my own travel arrangements and did not go through a travel agent?
     

    Yes, our plans cover your prepaid and non-refundable expenses for travel arrangements that you make on your own.

  • 7. What is the latest date that I can purchase travel insurance for my trip?
     

    The Standard plans is available for purchase until the day before departure. However, we recommend that you purchase right after making the first payment toward any part of your trip so that you are eligible for the most benefits. If you wait to purchase your plan, you run the risk that something will happen before the policy goes into effect and also, you might not be eligible for time sensitive benefits such as the Pre-existing conditions waiver and financial default. The Cancel For Any Reason premium plan requires purchase within 14 days of your Initial Trip Payment Date.

  • 8. If I have already departed on my trip, can I still purchase a plan?
     

    No, these policies cannot be purchased once you have already departed on your trip.

  • 9. What would be considered the Initial Trip Payment Date?
     

    The Initial Trip Payment Date is the date that money first exchanged hands for the trip you are insuring.

  • 10. When is the best time to purchase a plan?
     

    These plans do have time sensitive benefits, so we recommend that you purchase the policy right after making your initial trip payment. To receive the most benefits, you must purchase it within 14 days after making your initial trip payment. Time sensitive benefits include the Pre-existing conditions waiver, Financial Default and optional Cancel for Any Reason depending on the plan you are reviewing.

  • 11. I booked part of my vacation, but not the flight, and I would like to purchase travel insurance with the Pre-Existing Condition Exclusion Waiver. Do I have to wait until the flight is booked to purchase my policy?
     

    No, you do not have to wait until the flight is booked. The policy should be purchased within 14 days of the initial trip payment in order to get the Pre-existing condition waiver and other time sensitive benefits.

  • 12. When will my coverage go into effect?
     

    Trip cancellation coverage becomes effective at 12:01AM the day after you purchase a policy. See the policy details for more information.

  • 13. Am I covered if I cancel my trip due to terrorism?
     

    Yes, if during your trip, a politically motivated Terrorist Attack occurs within a 50 mile radius of the city for which you are registered and the US government issues a travel warning indicating that Americans should not travel to a city named on the itinerary.

  • 14. Can I insure the rental of a house or condo?
     

    Yes. These plans may provide reimbursement of your prepaid non-refundable costs of a villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Trip cancellation or interruption must be due to a peril named in the policy.

  • 15. How can I view the Certificate of Insurance before I purchase?
     

    When viewing your quote, click on the "View sample of certificate of Insurance."

  • 16. If I purchase the optional Cancel For Any Reason (CFAR) benefit, what reimbursement will I receive?
     

    The Nationwide Prime Plan will reimburse you up to 60% of your prepaid, forfeited, non-refundable payments or deposits you paid for your trip. All requirements, listed in the plan certificate, must be met in order to be eligible for this benefit.

  • 17. My trip includes non-refundable ski lift tickets. Am I covered if there is no snow?
     

    Yes, if you are unable to ski due to 50% or more of the trails being closed for 24-hours or more, either for no snow or stormy weather, you will be reimbursed for the value of your ski lift tickets for each day the trails are closed.

  • 18. The airline lost my golf clubs and I need to rent clubs. Is that a covered expense?
     

    Yes, if your clubs are lost, stolen or delays (12+ hours) we will cover the reasonable cost of renting sports equipment.

Post Sale Questions

  • Post Sale
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  • 1. I made a mistake when entering my information, what should I do?
     

    You can send an email to customercare@protectionbrands.com to make changes to your policy. Please include your order number on all email correspondence. If you prefer, you can call us with your changes at our toll free number 877 248-1275.

  • 2. I did not receive a confirmation of my purchase yet. What should I do?
     

    You should receive an email confirmation which contains a link to your policy. If you do not receive this email, please check that is was not automatically filtered into any spam or junk mail folders. If it is not in one of those folders, you can contact our Customer Service Department at customercare@protectionbrands.com or at our toll free number 877 248-1275, and we will resend the email which contains a link to the policy.

  • 3. How do I cancel a policy that I purchased?
     

    All cancellation requests must be made in writing. An email can be sent to customercare@protectionbrands.com to request cancellation. Please see the review period for your policy as some states do not offer refunds after purchase. If you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total cost minus a $6 non-refundable processing fee on the Standard plan, and an $8 non-refundable processing fee on the Cancel For Any Reason (CFAR) plan.

  • 4. Will I be charged a fee to cancel my policy?
     

    There is a non-refundable processing fee of $6 for the Standard plan and $8 for the Cancel For Any Reason (CFAR) plan. If you are canceling your policy during the review period and are eligible for a refund, you will be refunded the premium paid minus the processing fee.
    Some states do not offer a premium refund after purchase. Please see quoted plan for details.

  • 5. How do I file a claim?
     

    The first step when filing a claim is to call the CBP Claims Department at 888-490-7606. A representative will send you the correct claim form and advise you of any supporting documentation that must be submitted with the claim. The type of claim being filed e.g. trip delay, trip cancellation, baggage delay, will determine the additional information needed. All documentation requirements are listed on the applicable claim form. Claims can be submitted via the US mail, fax, or through email.

    Mailing Address: Coordinated Benefits Plans, P.O. Box 26222, Tampa, FL 33623

    Fax number: (833) 610-0736

    Email: NWTravClaims@cbpinsure.com

    If submitting the claim via the email, you will receive a confirmation email that the claim was received. Regardless of the manner of claim submission, please allow 15 business days for review of your claim. If additional information is needed, you will be contacted by a CBP claim examiner.

  • 6. What is the meaning of the little red #2 or near some of the coverages?
     

    The little red #2 notes that the coverage will be secondary to any primary coverage you may have. For some states, the order in which benefits will be paid may be determined in accordance to a Coordination of Benefits clause if you are eligible for benefits under more than one policy. Please see your policy for more details.

  • 7. What can I do if I have additional trip cost that I would like to insure?
     

    If you have already purchased a travel insurance plan but now have additional trip cost to insure, our Customer Care Agents are able to assist you over the phone to increase the cost of the trip that you are insuring. Adding trip cost to your plan may result in a premium increase. There are some coverages that are time sensitive so you should add any additional trip cost as soon as you make that payment.

Site Use Questions

  • Site Use
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  • 1. What should I enter as the Primary Destination if I am going to multiple locations?
     

    The Primary Destination is the location where you are going to spend a majority of your time while on your trip.

  • 2. Can I view my policy prior to purchase?
     

    Yes, you can view all coverage details by clicking the underlined terms on your quoted plan. To review the full policy, click the Full Details link.

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