Travel Insurance Select®

Our Travel Insurance Select Plan offers a choice of three Options to meet your needs and budget: Elite, Plus and Basic. Each Option includes Trip Cancellation, Trip Interruption, Travel Delay, Medical, Evacuation and Baggage Loss/Delay coverage. Each Option contains different features, benefits and limits with upgrades available for the Plus and Basic Options.

Buy as soon as you have booked your trip for maximum coverage. Select Elite and Select Plus include several time-sensitive features and the Cancel for Any Reason coverage is time-sensitive for all Select Options. Specifically, the time-sensitive features are:

• Cancel for Any Reason (included with Select Elite, available as an upgrade for Select Basic and Select Plus)
• Pre-Existing Conditions Exclusion Waiver (Select Elite and Select Plus)
• Coverage for covered Terrorist Acts (Select Elite and Select Plus)

You may buy any of the three Select options any time prior to your trip departure, but if your payment is received more than 15 days for Select Basic and Select Plus or 21 days for Select Elite after the date of your initial trip deposit/payment for your trip, you will not be eligible for these time-sensitive features.

If, after you purchase Travel Insurance Select, you make additional trip arrangements or your trip costs increase, you must insure these additional arrangements/cost with 21-days for Select Elite or 15-days for Select Plus or Select Basic to continue maximum coverage.

Notify Travel Insurance Services in writing by email, fax or mail of the new travel arrangement costs you want to insure and include the additional insurance premium. Please include a daytime phone number and your Confirmation Number. Fax to 610-537-9835, email to select@travelinsure.com or mail to Travel Insurance Select, 2950 Camino Diablo, Suite 300, Walnut Creek, CA 94597-3991.

If you need assistance during business hours (Monday – Friday, 8:30 a.m. – 5 p.m. Pacific Time) call our Customer Service Representatives: Toll Free 800-937-1387 or Phone: 925-932-1387.

If your airfare is subject to a cancellation penalty or restriction (most are), we recommend that you insure it. When you select your 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.

No, frequent flyer miles cannot be insured.  However, if the cancellation is for a covered reason listed in the Policy, the frequent flyer “rebanking fee” can be covered.

Travel Insurance Select covers Traveling Companions. A “Traveling Companion” means a person or persons with whom the Insured has coordinated travel arrangements and intend to travel with during the Trip.  A group or tour leader is not considered a Traveling Companion, unless the Insured is sharing room accommodations with the group or tour leader.

If your Traveling Companion, as defined, cancels his or her Trip for a reason covered by Travel Insurance Select, you are covered in two ways:

• If you decide to take your Trip, the plan will cover any occupancy upgrade charges which you might incur; or
• 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.

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 the insurance for any of your trips. We do not require that you travel with an organized tour to buy this plan.

Travel Insurance Select is underwritten by National Union Fire Insurance Company of Pittsburgh, PA, NAIC No. 19445, a member of the AIG Companies® with their principal place of business at 70 Pine Street, New York, NY 10270 and is currently authorized to transact business in all states and the District of Columbia.

Yes, if you purchase the Select Elite Option within 21-days or within 15-days for the Select Plus Option of your initial trip deposit/payment, insure 100% of your trip cost and you are not disabled from travel at the time you pay your premium, the Pre-Existing Conditions exclusion is waived. For a complete explanation of the Pre-Existing Conditions waiver, please review the Description of Coverage.

Yes, you really can cancel for any reason not already covered by your chosen Select Option, provided you cancel at least two (2) days prior to your trip’s scheduled departure. If you are forced to cancel for a reason not otherwise covered by your Select Option, 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. To be eligible for this benefit, you must purchase Select Elite within 21-days of your initial Trip payment/deposit or purchase the CFAR upgrade for Select Plus or Select Basic within 15 days of your initial Trip payment/deposit. In all cases, the CFAR benefit is in effect only if you insure 100% of your Trip cost.

Yes, if you purchase Select Elite within 21-days or Select Plus within 15-days of your initial trip payment/deposit. You will be covered for financial default of an airline, cruise line, or tour operator.

Select Elite and Select Plus both offer coverage if you choose to cancel your trip due to terrorist attacks in a city on your trip itinerary occurring within 30 days of your scheduled arrival. You must purchase Select Elite within 21-days or Select Plus within 15 days of your initial trip payment/deposit to be eligible for this coverage.

Travel Insurance Select offers you three coverage options to with different benefits and pricing from which to choose. Please take a moment to see which one best fits your needs by reviewing the Benefits and Limits Comparison. You may also choose to purchase two upgrades for the Select Plus and Select Basic options.

If you need medical assistance while traveling, please contact the Worldwide Assistance Center at 1-866-346-1803 or 1-715-342-3541 (collect).

If you need to file a claim, please contact the Claims Department at 1-866-346-1803 or 1-715-342-3541 (collect) as soon as reasonably possible.

Be prepared to provide:

1. the benefit provision(s) that are the basis of the claim (i.e. Medical Expenses),
2. the name of the company that arranged the Trip (i.e., tour operator, cruise line, or charter operator),
3. the Trip dates and
4. the amount that the Insured paid for the Trip.

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. The completed form and any attachments should be returned to: Claims Department, P.O. Box 47, Stevens Point, Wisconsin 54481 [Call: 1-866-346-1803 or 1-715-342-3541 (collect) for assistance.] All California claims will be administered by Mercury Claims Administrator Services, LLC.

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.

Fax: 610-537-9835
Email: select@travelinsure.com
Mail to: Travel Insurance Select, 2950 Camino Diablo, Suite 300, Walnut Creek, CA 94597-3991

If you need assistance during business hours (Monday – Friday, 8:30 a.m. – 5 p.m. Pacific Time) call our Customer Service Representatives:

Toll Free: 800-937-1387
Phone: 925-932-1387

You may increase your Trip Cost anytime prior to departure, however, if you purchased the Basic or Plus Option within 15 days or the Elite Option within 21 days after making your initial payment or deposit for your trip, and your total Trip Cost later increases, you must purchase additional coverage within the same 15 or 21 days after scheduling your new trip arrangement(s). This will retain your eligibility for: (1) Cancel for Any Reason (2) Terrorism/Default and (3) PreExisting Waiver, if these benefits where originally included in the Option or Upgrade(s) you purchased.

Example: If you later purchase an airfare, add a tour extension, or your tour costs increase for some reason, you must increase the Insured Trip Cost indicated by contacting USI Travel Insurance Services. Requests for increases must be in writing and the additional premium payment be made within 15 or 21 days after confirmation of the additional arrangement(s).

Notify Travel Insurance Services in writing by email, fax or mail of the new travel arrangement costs you want to insure and include the additional insurance premium. Please include a daytime phone number and your Confirmation Number. Fax to 610-537-9835, email to select@travelinsure.com or mail to Travel Insurance Select, 2950 Camino Diablo, Suite 300, Walnut Creek, CA 94597-3991.

If you need assistance during business hours (Monday – Friday, 8:30 a.m. – 5 p.m. Pacific Time) call our Customer Service Representatives: Toll Free: 800-937-1387 or Phone: 925-932-1387.

Yes, however to be eligible for any of the early-purchase features available in Select Plus or Elite you must do so within 15 or 21 days of the initial trip payment/deposit.

Email: select@travelinsure.com
Fax: 610-537-9835
Mail to: Travel Insurance Select, 2950 Camino Diablo, Suite 300, Walnut Creek, CA 94597-3991

If you need assistance during business hours (Monday – Friday, 8:30 a.m. – 5 p.m. Pacific Time) call our Customer Service Representatives: Toll Free: 800-937-1387 or Phone: 925-932-1387.

Simply purchase the Select Elite Option within 21 day of your initial trip deposit/payment, where it is included. Or purchase either the Select Basic or Select Plus Option and add the upgrade for the Cancel for Any Reason benefit within 15 days of trip deposit/payment. In either case, you must insure 100% of your prepaid trip cost.

Cancel for Any Reason will pay 75% of your prepaid non-refundable Trip payments/deposits if your Trip is cancelled for any reason not otherwise covered by the Policy provided: (a) you purchase the Elite Option benefit within 21 days, or purchase the Basic or Plus Option with the Cancel for Any Reason upgrade within 15 days, of your initial Trip payment or deposit; (b) you insure all prepaid Trip costs including 100% of any subsequently booked Trip arrangements within 21 days (for Elite) or 15 days (for Basic and Plus) of payment/confirmation of those additional arrangements; and (c) The insured cancels the Trip at least 2 days prior to scheduled departure.