PRODUCT FAQ

TRAVEL INSURANCE SELECT

Before Purchase: When To Purchase and Determining The Cost

The Travel Insurance Select Plan offers a choice of three Options to help meet your needs and budget: Elite, Plus, and Basic. Each Option includes Trip Cancellation, Trip Interruption, Travel Delay, Accident and Sickness Medical Expense, Emergency Medical Evacuation/ Medical Repatriation/ Return of Remains, Baggage & Personal Effects, Baggage Delay, and Reimbursement of Miles or Reward Points coverage. Each Option includes different features, benefits, coverage limits, and Worldwide Concierge and Travel assistance services.

Enroll as soon as you have booked your trip for maximum benefit. Some plans feature time-sensitive benefits including Cancel for Any Reason. Specifically, the time-sensitive benefits are:
  • Cancel for Any Reason and Interruption for Any Reason (optional upgrade on Elite only, not available in NY)
  • Pre-Existing Medical Condition Exclusion Waiver (included on Plus and Elite)
  • Financial Default as a covered reason for Trip Cancellation and Trip Interruption (included on Plus and Elite)
You may purchase coverage any time prior to your trip departure, but if your payment is received more than 21 days after the date of your initial trip deposit/payment for your trip, your Plus or Elite plan will not include the time sensitive benefits and you will not be eligible to purchase the Cancellation/Interruption for Any Reason upgrade. The Basic plan does not include time-sensitive benefits.

If, after you purchase a Travel Insurance Select Plan, you make additional trip arrangements or your trip costs increase, you must insure these additional arrangements/costs within 21 days of payment to apply the Pre-Existing Medical Condition Exclusion Waiver and Cancellation/Interruption for Any Reason upgrade to those arrangements.

Notify Travel Insurance Services by phone, email, or mail of the new travel arrangement costs you want to insure and include the additional insurance plan cost. Please include a daytime phone number and your Confirmation Number. Email to select@travelinsure.com or mail to:

Travel Insurance Services
1 International Plaza, Suite 400
Philadelphia, PA 19113

If you need assistance during business hours (Monday – Friday, 9:00 a.m. – 7:00 p.m. Eastern Time) call our Customer Service Representatives Toll Free at 1-800-937-1387.
If your airfare is subject to a cancellation penalty or restriction (most are), we recommend that you insure it. When you select your plan option, you can choose whether you want to insure your airfare or not. If you indicate that you want to insure your airfare by checking the "Air" checkbox on the Enrollment Form, you must include 100% of your airfare cost in your Trip Cost amount used to calculate your payment for this plan. To be eligible for early purchase benefits including Cancellation/Interruption For Any Reason, you must insure 100% of all non-refundable pre-paid trip costs, including non-refundable airfare.
No, frequent flyer miles cannot be insured. However, if your trip is cancelled for a covered reason listed in the Policy, the frequent flyer "rebanking" fee can be recovered. The plan includes reimbursement for the penalty cost of depositing your miles or rewards back in the account from which they were removed, to the maximum amount included in your plan.
persons whose names appear with Yours on the same Travel Arrangements and who, during Your Trip will accompany You. A group or tour organizer, sponsor or leader is not a Traveling Companion as defined in the plan, unless sharing accommodations in the same room, cabin, condominium unit, apartment unit or other lodging with You. If your Traveling Companion, as defined in the plan, cancels his or her Trip for a reason covered by the Travel Insurance Select option you choose, you are protected in two ways:

  • (a) If you decide to take your Trip, the plan will cover any occupancy upgrade charges which you might incur up to the Maximum Benefit amount; or
  • (b) If you decide not to take your Trip, your cancellation penalties will be covered by the plan.
See the Travel Insurance Select Description of Coverage for complete details about this benefit.
Yes, you may insure the days you are traveling on your own. Include the prepaid expenses for this part of your Trip in the Trip Cost you list on your Enrollment Form. Also, be sure to include these dates when you enter your departure and return dates.
Yes, you may buy a plan for any of your trips. We do not require that you travel with an organized tour to buy this plan.
Travel Insurance Services has been providing travel insurance solutions to customers since 1973. The insurance portion of Travel Insurance Select is underwritten by United States Fire Insurance Company. Assistance services are non-insurance services provided by On Call International and are not insurance benefits.

Before Purchase: Insurance Coverage Clarification

See the Description of Coverage for complete details on the items below.

Yes, the Pre-Existing Condition Exclusion can be waived for the Plus and Elite plans only, provided you:
  1. Purchase the plan within 21 days of initial trip payment/deposit;
  2. Insure all prepaid trip costs that are subject to cancellation penalties or restrictions;
  3. Insure within 21 days of payment or deposit for the cost of any subsequent travel arrangements added to your trip; and
  4. Are not disabled from travel at the time the plan is purchased.
For a complete explanation of the Pre-Existing Conditions Exclusion waiver, please review the Description of Coverage.
No. The Pre-Existing Conditions Waiver only applies to Travel Insurance Select, and only if you purchase the Plus or Elite Plan. See the response to Question 9 above for details.
Yes, you really can cancel for any reason not already covered by the Travel Insurance Select Plan, provided you have purchased the Elite Plan, enrolled within 21 days of your initial deposit/payment date, have covered 100% of your trip costs that are subject to cancellation penalties or restrictions (and also insure travel arrangements subsequently added to your trip within 21 days of your payment for those additions), pay all non-refundable trip costs prior to cancellation and cancel at least two (2) days prior to your trip's scheduled departure date. If you are forced to cancel for a reason not otherwise covered, Cancel For Any Reason (CFAR) coverage will reimburse you 75% of your prepaid, forfeited, non-refundable payments for the insured Trip arrangement(s) up to the policy limit shown on the Schedule of Benefits. Cancel for Any Reason coverage must be selected at the time of original plan purchase, and you must pay all non-refundable trip costs prior to canceling your trip. Cancel for Any Reason coverage is not available to residents of NY.
Yes, but only if you purchase the Plus Plan or the Elite Plan and meet all eligibility requirements detailed in the plans. Bankruptcy and/or Default of Your Travel Supplier is covered if it occurs more than 14 days following the Effective Date. Benefits due to Bankruptcy or Default of an airline will be paid if no alternate transportation is available. This benefit only applies if the plan has been purchased within 21 days of the date of your initial deposit/payment of your trip and you insured all trip costs subject to penalties or restrictions. Certain exclusions may apply, please see the Description of Coverage for a complete explanation of your coverage.

Travel Insurance Select includes coverage for a Terrorist Incident (as outlined in the Description of Coverage) that occurs within 30 days of your Scheduled Departure Date in a city listed on the itinerary for your Trip. This same city must not have experienced a Terrorist incident within 90 days prior to the Terrorist incident that is causing your cancellation of trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary.
Trip Cancellation benefits can be paid in the event that a fire, flood, burglary or other Natural Disaster renders Your primary residence or Your destination uninhabitable. Please review the Description of Coverage for more details.
No, however, Travel Insurance Select offers you three plan options with different benefits and pricing from which to choose. Please take a moment to compare the options and see which one best fits your needs.

After Purchase: Claims

If you need to file a claim, please contact the Claims Department at 1-844-228-3678 or 1-860-528-7663 (Collect calls outside of the U.S.) as soon as reasonably possible.

Be prepared to provide:
  • the benefit provision(s) that are the basis of the claim (i.e. Accident & Sickness Medical Expense),
  • the name of the company that arranged the Trip (i.e., tour operator, cruise line, or charter operator),
  • the Trip dates and
  • the insured trip cost amount.
A claim form will be completed for you to review and sign along with a list of items you must attach to substantiate the loss. Since each situation is unique, we cannot guarantee any benefit until the entire claim has been reviewed by the claims office.

After Purchase: Plan Changes

If you realize that information on your enrollment form is incorrect please notify Travel Insurance Services in writing by e-mail, fax or mail of the correct information. Please include a daytime phone number and your Confirmation Number.

Email: select@travelinsure.com

Mail to: Travel Insurance Services
1 International Plaza, Suite 400
Philadelphia, PA 19113
USA

If you need assistance during business hours (Monday – Friday, 9:00 a.m. – 7:00 p.m. Eastern Time) call our Customer Service Representatives:

Toll Free: 800-937-1387
You may increase your insured Trip Cost any time prior to departure. However, if you purchased coverage within 21 days after making your initial payment or deposit for your trip, and your total Trip Cost later increases, you should purchase additional coverage within 21 days after scheduling your new trip arrangement(s) or the early purchase benefits, including (1) Cancellation/Interruption for Any Reason (if purchased) or (2) Pre-Existing Medical Condition Exclusion Waiver, will not apply to those additional arrangements if these benefits were originally included in the Option you purchased. Notify Travel Insurance Services by phone, email, fax, or mail of the new travel arrangement costs you want to insure and include the additional insurance plan cost. Please include a daytime phone number and your Confirmation Number. Email to select@travelinsure.com, or mail to:

Travel Insurance Services
1 International Plaza, Suite 400
Philadelphia, PA 19113
USA


If you need assistance during business hours (Monday - Friday, 9:00 a.m. –7:00 p.m. Eastern Time) call our Customer Service Representatives: Toll Free: 800-937-1387.
Yes, you can upgrade from Select Basic to Plus or Elite, or from Select Plus to Elite. However, to be eligible for the early-purchase benefits you must do so within 21 days of the initial trip payment/deposit. To upgrade your coverage, please contact Travel Insurance Services in writing via mail or email.

Email: select@travelinsure.com

Mail to: Travel Insurance Services
1 International Plaza, Suite 400
Philadelphia, PA 19113
USA



If you need assistance during business hours (Monday – Friday, 9:00 a.m. – 7:00 p.m. Eastern Standard Time) call our Customer Service Representatives Toll Free at 1-800-937-1387.
Enroll into the Elite Plan within 21 days of your initial trip deposit/payment and the Cancel for Any Reason option is available to you for purchase at an additional cost. To be eligible, you must insure 100% of your non-refundable, prepaid trip cost(and also insure any subsequently added travel arrangements within 21 days of the payment for those travel arrangements) . Cancel for Any Reason coverage must be selected at the time of original plan purchase, and you must pay all non-refundable trip costs prior to canceling your trip. This benefit is not available to residents of NY.
Cancel for Any Reason will reimburse your prepaid forfeited, non-refundable Trip payments/deposits (up to 75% of your total trip cost, to a maximum of $75,000) if your trip is cancelled for any reason not otherwise covered by the plan, provided: (a) you enroll within 21 days of your initial Trip payment or deposit; (b) you insure 100% of all prepaid Trip costs subject to cancellation penalties or restrictions (including 100% of any subsequently booked Trip arrangements within 21 days of payment of those additional arrangements); and (c) you cancel the Trip at least 2 days prior to the scheduled departure date. Cancel for Any Reason coverage must be selected at the time of original plan purchase, and you must pay all non-refundable trip costs prior to canceling your trip. This benefit is not available to residents of NY and is only available if you purchase the Elite Plan.

Non-Insurance Emergency Assistance

If you need medical assistance while traveling, please contact the On Call International at 1-855-227-9681 or 1-603-952-5020 (Collect calls outside of the U.S.). Assistance services are non-insurance services provided by On Call International and are not insurance benefits.

Note: These Frequently Asked Questions are not intended to be complete plan language. For more complete details, refer to the Description of Coverage.

 

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*This example assumes that no insurance exclusions or limitations were applicable to the covered person

1 All travelers listed on a policy must reside at the same address. If any travelers reside at a different address, a separate policy must be purchased.

This site contains highlights of the plans. The plans contain insurance benefits underwritten by the United States Fire Insurance Company under Policy Form series T210 et. al. and TP-401 et. al. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018. The plan also contains non-insurance Travel Assistance Services that are provided by OnCall International, and not by United States Fire Insurance Company. Coverages may vary and not all coverage is available in all jurisdictions. Louisiana, Maryland, and Oklahoma residents looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insurance Services.