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 or WA.
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.
Safe Travels Explorer
Just the necessities. The Explorer is our budget-friendly travel protection plan designed for leisure or business travel for domestic and international trips. This plan includes comprehensive coverages at a competitive rate and includes our Worldwide 24/7 Emergency Assistance Services, Trip Cancellation and Interruption, $50,000 coverage for Emergency Medical Expense as well as of $2,000 for potential accommodations/lodging expenses, lost baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness.
Covers US CITIZENS/US RESIDENTS ONLY
Safe Travels Explorer Plus
The Explorer Plus plan features everything in the Explorer plan along with coverage for Pre-Existing Medical Conditions on plans purchased within 7 days of making your initial trip deposit. This budget-friendly travel protection plan designed for leisure or business travel for domestic and international trips. This plan includes comprehensive coverages at a competitive rate and includes our Worldwide 24/7 Emergency Assistance Services, Trip Cancellation and Interruption, $50,000 coverage for Emergency Medical Expense as well as baggage and many other essential benefits while you travel. CCOVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness.
Covers US CITIZENS/US RESIDENTS ONLY
Safe Travels Journey
The Journey plan includes all the benefits as the Explorer Plus with extended coverage and coverage for airline ticket exchange fees. This product includes coverage for Pre-Existing Medical conditions when purchased prior to or within 14 days of making your deposit and $150,000 of Emergency Medical Coverage along with $500,000 of Emergency Evacuation coverage. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Optional coverages are available.
Covers US CITIZENS/US RESIDENTS ONLY
Safe Travels Voyager
The Safe Travels Voyager is designed for those who are looking for the highest available benefit limits to protect your trip. This plan covers trips up to $100,000 for trip cancellation and includes a $250,000 per person limit Primary Medical Coverage with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. Includes minimum coverage of $2,000 for potential accommodations/lodging expenses. COVID-19 MEDICAL EXPENSES may be covered and treated the same as any other sickness.
The Optional Cancel for Any Reason (CFAR) provides reimbursement for 75% of the prepaid, non-refundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy. Must be purchased with the initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. To qualify for the CFAR benefit, you must insure your entire trip cost. To use the CFAR option when canceling your trip, you must cancel your trip in its entirety, at least 2 days prior to your scheduled departure date.
This plan is only available to U.S. Citizens and U.S. Residents and can be purchased for trip costs up to $100,000. It includes $250,000 of primary Medical Coverage and Trip Delay of $2,000 for accommodations/lodging expenses.