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Travel Insurance Select®

Overview | Compare Options | Description of Coverage | FAQ

Frequently Asked Questions

Before Purchase: When To Purchase and Determining The Cost

1. What is Travel Insurance Select? Answer

The 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, Trip Delay, Medical Expense, Emergency Evacuation, and Baggage Loss/Delay coverage. Each Option includes different features, benefits, and coverage limits with additional optional coverage available.

2. When should I buy Travel Insurance Select? Answer

Buy as soon as you have booked your trip for maximum benefit. Select Elite and Select Plus plans feature several time-sensitive benefits, and Cancel for Any Reason is time-sensitive for the Select Elite plan. Specifically, the time-sensitive benefits are:

  • Cancel for Any Reason (included with Select Elite)
  • Pre-Existing Medical Condition Exclusion Waiver (Select Elite and Select Plus)
  • Financial Default (Select Elite and Select Plus)
  • Optional Security Evacuation (Select Elite and Select Plus)

You may buy Select Basic or Select Plus any time prior to your trip departure, but if your payment for Select Plus is received more than 15 days after the date of your initial trip deposit/payment for your trip, your plan will not include the time-sensitive benefits. You may buy Select Elite 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 plan will not include the time sensitive benefits, or Cancel for Any Reason.

If, after you purchase Travel Insurance Select, you make additional trip arrangements or your trip costs increase, you must insure these additional arrangements/cost within 21 days for Select Elite or 15 days for Select Plus to continue your eligibility for the the Pre-Existing Medical Condition Exclusion Waiver and Cancel for Any Reason.

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. Fax to 610-537-9835, email to select@travelinsure.com or mail to:

Travel Insurance Services
3070 Riverside Drive
Columbus, OH 43221

If you need assistance during business hours (Monday – Friday, 7:00 a.m. – 5:00 p.m. Pacific Time) call our Customer Service Representatives: Toll Free 800-937-1387.

3. Do I need to insure my airfare cost? Answer

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.

4. Does the plan cover my frequent flyer miles? Can I insure my frequent flyer miles? Answer

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

5. My friend and I are going to be traveling together, am I covered if my friend cancels his or her trip? Answer

Travel Insurance Select covers Traveling Companions. A “Traveling Companion” means a person or persons with whom the Insured has coordinated travel arrangements and intends 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 the Travel Insurance Select option you choose, you are protected 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 about this benefit.

6. Travel Insurance Select was recommended to me by the organization planning my tour. I plan to travel on my own for additional days before and/or after the tour — may I insure this portion of my Trip as well? Answer

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.

7. May I buy Travel Insurance Select for my personal trips? Answer

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.

8. How do I know that Travel Insurance Select is a reputable product? Answer

Travel Insurance Select is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038 and currently authorized to transact business in all states and the District of Columbia.

Before Purchase: Coverage Clarification

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

9. Will Travel Insurance Select provide coverage due to Pre-Existing Conditions? Answer

Yes, if you purchase the Select Elite option within 21 days or the Select Plus option within 15 days of your initial trip deposit/payment, insure 100% of your trip cost and you are medically able to 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.

10. Does the Pre-Existing Conditions Waiver apply to any other products? Answer

No. The Pre-Existing Conditions Waiver only applies to Travel Insurance Select, and only if you purchase the Select Elite option within 21 days or the Select Plus option within 15 days of your initial trip deposit/payment, insure 100% of your trip cost and you are medically able to travel at the time you pay your premium. For a complete explanation of the Pre-Existing Conditions waiver, please review the Description of Coverage.

11. Does Cancel For Any Reason really mean I can cancel for any reason? Answer

Yes, you really can cancel for any reason not already covered by the Select Elite Option, provided you have purchase the Select Elite option within 21 days of your initial deposit/payment date, have covered 100% of your trip cost, and 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, Cancel For Any Reason (CFAR) coverage will reimburse you 70% of your prepaid, forfeited, non-refundable payments for the insured Trip arrangement(s) up to the policy limit shown on the Schedule of Benefits.

12. Can I purchase Cancel For Any Reason for or with another product? Answer

No - Cancel For Any Reason is only available with Select Elite Option, provided you have purchase the Select Elite option within 21 days of your initial deposit/payment date, have covered 100% of your trip cost, and cancel at least two (2) days prior to your trip's scheduled departure.

13. Am I covered if the tour operator, airline or cruise line ceases operations or becomes financially insolvent? Answer

Yes, if you purchase the Select Elite option 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. Certain exclusions may apply, please see the Description of Coverage for a complete explanation of your coverage.

Please view the Alert List and Strike List.
14. What if I don't want to take my Trip because of recent terrorist attacks? Answer

Select Elite and Select Plus both include coverage for cancellation due to a terrorist incident in a city on your trip itinerary occurring within 30 days of your scheduled arrival.

"Terrorist Incident" means an act of violence, that is deemed terrorism by the United State Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in Loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

15. Can I choose the benefits I wish to purchase? For example, can I just buy Trip Cancellation coverage? Answer

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 and Emergency Assistance

16. Who should I call if I need medical assistance while I am traveling? Answer

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

17. How do I file a claim? Answer

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 Expense),
  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. 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

18. After I submitted my Enrollment online, I realized I entered the wrong Departure Date. What should I do? Answer

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 Services
3070 Riverside Drive
Columbus, OH 43221
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

19. What if, after insuring my trip, my trip cost increases? For example, I may later book airfare or add a trip extension. Can I insure the additional Trip Cost? Answer

You may increase your insured Trip Cost anytime prior to departure. However, if you purchased the 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 15 days (for Plus) or 21 days (for Elite) after scheduling your new trip arrangement(s). This will retain your eligibility for: (1) Cancel for Any Reason (Elite option only); or (2) Pre-Existing Medical Condition Exclusion Waiver (Plus and Elite options only), if these benefits were originally included in the Option 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 by contacting USI Travel Insurance Services. Requests for increases must be by phone, email, fax, or mail, and the additional plan cost payment be made within 15 days (for Plus) or 21 days (for Elite) after confirmation of the additional arrangement(s).

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. Fax to 610-537-9835, email to select@travelinsure.com, or mail to:

Travel Insurance Services
3070 Riverside Drive
Columbus, OH 43221
USA

If you need assistance during business hours (Monday - Friday,7:00 a.m. – 5:00 p.m. Pacific Time) call our Customer Service Representatives: Toll Free: 800-937-1387 or Phone: 925-932-1387.

20. Can I change the Option I purchased from Basic to Plus or Elite and pay the additional plan cost? Answer

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 available in Select Plus you must do so within 15 days of the initial trip payment/deposit. To be eligible for the early-purchase benefits available in Select Elite, you must do so within 21 days of the initial trip payment/deposit.

Email: select@travelinsure.com
Fax: 610-537-9835
Mail to: Travel Insurance Services
3070 Riverside Drive
Columbus, OH 43221
USA

If you need assistance during business hours (Monday – Friday, 7:00 a.m. – 5:00 p.m. Pacific Time) call our Customer Service Representatives: Toll Free: 800-937-1387 or Phone: 925-932-1387.

21. How do I obtain Cancel for Any Reason? Answer

Purchase the Select Elite option within 21 days of your initial trip deposit/payment and CFAR is included. You must insure 100% of your prepaid trip cost.

22. How does Cancel for Any Reason work? Answer

Cancel for Any Reason will reimburse your prepaid non-refundable Trip payments/deposits (up to 70% of your total trip cost) if your trip is cancelled for any reason not otherwise covered by the plan, provided: (a) you purchase the Select Elite option within 21 days of your initial Trip payment or deposit; (b) you insure 100% of all prepaid Trip costs including 100% of any subsequently booked Trip arrangements within 21 days of payment/confirmation of those additional arrangements; and (c) you cancel the Trip at least 2 days prior to the scheduled departure.

23. How do I obtain the Optional Security Evacuation Benefit? Answer

The Security Evacuation benefit is an optional benefit on the Plus and Elite plans. Purchase the Select Elite plan and you can include the optional Security Evacuation benefit within 21 days of your initial trip deposit/payment for your trip, or purchase the Select Plus plan and you can include the optional Security Evacuation benefit within 15 days of your initial trip deposit/payment for your trip.

Security Evacuation is not available for residents of FL, NY, and PA.

24. How does the optional Security Evacuation Benefit work? Answer

Security Evacuation pays the reasonable charges up to the Maximum Limit of Coverage to extricate an insured individual from the Host Country due to an occurrence that results in the insured individual being placed in imminent physical danger. In order to add this optional benefit to the Elite plan, you must purchase the Select Elite plan within 21 days or your initial trip deposit/payment for your trip. If adding this optional benefit to the Plus plan, you must purchase the Select Plus plan within 15 days or your initial trip deposit/payment for your trip.

Security Evacuation is not available for residents of FL, NY, and PA.

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

Use our free quote tool to get your quote and Buy Now.

Effective June 27, 2012, this policy is not available to residents of Quebec due to new provincial regulations.

This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.