For most people planning the details for a cruise, honeymoon, or dream vacation is part of the fun. Anticipation of the trip is usually on our minds as we pay the nonrefundable deposits for airfare, tours, and accommodations. One detail that is often overlooked is what will happen to those deposits and prepaid trip expenses if you are unable to depart or have to come home early. Trip cancellation insurance protects the covered expenses in case of many unforeseen circumstances. For a fraction of the trip cost, you can alleviate the risk of losing money if something unforeseen gets in the way. You may have skipped this coverage before but if you're paying out a lot of money upfront for an organized tour or airfare, if you have questionable health, or if you have a loved one at home in poor health, it's probably a good idea to get this coverage. Safe Travels Trip Protection Plans cover the nonrefundable financial penalties or losses you incur when you cancel a prepaid tour or flight for an unforeseen reason. Some plans offer Cancel for Any Reason (CFAR).
Please note this is not a definitive list and you would need to check your documents to ensure your reason for cancellation is covered.
- You, your travel partner, or family member can't travel because of sickness, death, or other acceptable listed reasons.
- Your tour company or airline goes out of business or can't perform as promised (not available in the Explorer or Explorer Plus plans).
- A terrorist attack in a city listed in your itinerary.
- You miss a connecting flight for a reason outside your control.
Trip Cancellation insurance can be used whether you're on an organized tour or cruise or traveling independently (in which case, only the prepaid expenses — such as your flight and any nonrefundable hotel reservations — are covered). Note the difference: Trip cancellation is when you don't go on your trip at all. Trip interruption is when you begin a trip but have to cut it short - in this case, you'll be reimbursed only for the non-refundable portion of the trip that you didn't complete provided the interruption is due to a covered reason.
It's smart to buy your insurance within a week of the date you make the first payment on your trip, however, you can purchase the cancellation plan up until the day before you leave. For plans that offer Cancel For Any Reason(CFAR) - you must purchase the benefit within the specified time frame from the initial deposit date and you must insure all prepaid non-refundable trip costs. Please note that we do not have any plans that offer CFAR in NY, WA, or NH.
Please review the specific plans below for a list of available benefits and limitations/exclusions.
Coverage limits and availability may vary by state.
Complete underwriter details are available in the brochure.