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Comprehensive Travel Insurance Plans including Trip Cancellation

Trip insurance (also called Trip Cancellation or Comprehensive Travel Insurance) covers cancellations, interruptions, baggage, delays, medical, evacuation, and more.


Travel Insurance with Trip Cancellation coverage will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.) that you have insured, should you cancel your trip before departure for an unforeseen covered reason. While trip cancellation insurance can help reimburse you in the event you have to cancel your trip, it won’t cover every possible problem. Before you purchase a policy it’s important to understand what it does and doesn’t cover.

Most Comprehensive travel insurance plans will cover reasons such as:

  • The unexpected death, illness, or injury of you and/or a traveling companion that deems you unfit to travel, by order of a licensed physician

  • The hospitalization or death of a non-traveling family member

  • Weather or common carrier related issues (varies by policy)

  • Unforeseen natural disasters at home or the destination

  • A legal obligation, such as being called for jury duty or to appear as a witness in court

The details vary from provider to provider and with each plan. If you do need to cancel, you will be reimbursed 100% of the prepaid, non-refundable trip cost for which you are insured and can provide documentation. All of this coverage is only if the trip is cancelled due to a specific, unforeseen covered reason.

Cancel for Any Reason (CFAR)

This is an optional travel insurance benefit available on some of the Comprehensive plans. This benefit is an additional charge on the plan, but it comes with extended coverage that you may find worthwhile.

Unlike basic trip cancellation coverage, the CFAR benefit has a few eligibility criteria:

  • Depending on the policy, only available within 10-21 days of initial trip payment

  • You MUST insure 100% of your pre-paid, non-refundable trip cost

  • Cancellation with the travel supplier must occur 48 or 72 hours before departure date, depending on the plan

  • Benefits may only cover between 50%-75% depending on the policy.

With CFAR, it doesn't matter what the reason is that you want to cancel your trip – you simply can.  CFAR allows the traveler to cancel without needing a valid medical reason  as long as they cancel no less than 48 hours before the trip.

Trip cancellation

Recommended Plans

Trip cancellation (for US Residents)

RoundTrip travel insurance protects trip expenses, medical expenses, and baggage for one-way and round trips in the USA and abroad. If you cancel your trip for a covered reason, the Trip Cancellation benefit in our plans reimburses unused, nonrefundable payments or deposits for the travel arrangements you purchased for your trip.

AM Best Rating: A (Excellent)

Travel insurance

Underwriter: The United States Fire Insurance Company 

Travel insurance

Trip Protector (Trip cancellation for US Residents)

Select from 3 plans

Economy

Classic

Preferred

AM Best Rating: A (Excellent)

Travel insurance

Underwriter
Travel insurance plans underwritten by Nationwide® to protect your vacation investment

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Trip cancellation (for US Residents)

TravelSafe travel protection is curated for residents of the United States. Whether you are traveling domestically or abroad, our plans offer coverage to help protect your trip, your belongings, and those who go along for the adventure. ach plan has travel insurance benefits and non-insurance assistance services to help protect your trip, your belongings, and those who go along for the adventure.

AM Best Rating: A (Excellent)

Travelling in America

Underwriter 
Travel insurance plans underwritten by Nationwide® to protect your vacation investment

Travel insurance

Safe Travels Voyager for US Citizens

Covers trip cancellation from $0 up to $100,000 and includes $250,000 Primary Medical with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. The optional Cancel for Any Reason (CFAR) provides reimbursement for the percentage of the prepaid, non-refundable, forfeited payments you paid for your trip, if you cancel your trip for any reason not otherwise covered. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured.

Travel insurance

Trip cancellation for US citizens and US Residents travelling to other countries or domestically

Travel insurance

Underwritten by: Nationwide

Safe Travels Basic Annual

Just the necessities. Our Basic level includes our Worldwide 24/7 Emergency Assistance Services, up to $2,500 per Annual Policy Term for Trip Cancellation and Interruption, $10,000 coverage for Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 EXPENSES are covered and treated as any other sickness.  COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness.  Coverage starts the day after purchase. 

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Covers US CITIZENS/US RESIDENTS ONLY 
Not available in Florida, Washington & New York

Travel insurance

Underwritten by: Nationwide

Safe Travels Deluxe Annual

The Annual Deluxe Plan features everything in the Basic plan plus we have included Itinerary Change coverage. This plan features $5,000 for Trip Cancellation per Annual Policy Term and Interruption and $20,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. 

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Covers US CITIZENS/US RESIDENTS ONLY
Not available in Florida, Washington & New York

Travel insurance

Underwritten by: Nationwide

Safe Travels Executive Annual

The Executive Plan offers all the benefits of both Basic and Deluxe level coverage plus coverage for Sports Equipment Rental! There’s more! $10,000 for Trip Cancellation and Interruption. $50,000 for Emergency Medical Expense, $1,000 for baggage. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. 

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Covers US CITIZENS/US RESIDENTS ONLY 
Not available in Florida, Washington & New York

Travel insurance

Underwritten by: Nationwide

Comparison Quote

Each of the Travel Insured Worldwide Trip Protector plans include the Trip Cancellation and Trip Interruption coverage as well as Travel Medical Insurance and Medical Evacuation and Baggage Delay, Loss, Theft, and Damage. Travel Insured provides coverage for medical expenses incurred during travel, particularly outside of the U.S., that health insurance providers frequently deny as out of network. With the medical benefits included in these plans, you can help ensure access to quality medical treatment wherever you travel and protect yourself from unexpected travel medical and evacuation expenses

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AM Best Rating: A Excellent

Underwritten by United States Fire Insurance Company

Worldwide Trip Protector (WTP)

Accident & Sickness Medical Expense $100,000

Option for Cancel for Any Reason (CFAR) and Option for Interruption for Any Reason (IFAR)

Medical Evacuation and Repatriation of Remains $1,000,000

Non-Insurance Worldwide Assistance Services are included in both plans and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug/Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge

The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 21 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan.

 COVID 19 is considered an illness and treated the same as any illness

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AM Best Rating: A Excellent

Underwritten by United States Fire Insurance Company

World Trip Protector (Edge)

Accident & Sickness Medical Expense $10,000

Medical Evacuation and Repatriation of Remains $100,000

Non-Insurance Worldwide Assistance Services are included in this plan and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug / Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge

 

The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 14 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan.

COVID 19 is considered an illness and treated the same as any illness.

Image by Bhupendra Singh
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AM Best Rating: A Excellent

Underwritten by United States Fire Insurance Company