Frequently Asked Questions
For the Travel Insurance Select Plan

The information below is not intended to be complete plan language.
For complete details, refer to the Plan Document for your state of residence.

Quote & Buy Now

General Information  

1. When should I buy Travel Insurance Select?

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 the Plus and Elite plans only; not available in NY)
  • Pre-Existing Medical Condition Exclusion Waiver (included on Plus and Elite)
Currently, you may purchase coverage any time prior to trips that will be completed by 12/31/2024. However, if your payment for Travel Insurance Select is received more than 21 days after the date your initial trip payment/deposit is received 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 For Any Reason upgrade. The Basic plan does not include time-sensitive benefits.

Notify Travel Insurance Services of the new travel arrangement costs you want to insure and include the additional travel protection plan cost. Please include a daytime phone number and your Confirmation Number.

Email: select@travelinsure.com

Call: 1-800-937-1387 (toll-free)
Monday – Friday, 9:00 am – 7:00 pm Eastern Time

Fax: 484-652-5394

Mail: Travel Insurance Services
3805 West Chester Pike, Suite 200
Newtown Square, PA 19073

2. Do I need to insure my airfare cost?

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 non-refundable airfare cost in your Trip Cost amount used to calculate your payment for this plan. To be eligible for early purchase benefits including Cancellation For Any Reason, you must insure 100% of all non-refundable pre-paid trip costs, including non-refundable airfare.

3. Does the plan cover my frequent flyer miles?

No, frequent flyer miles cannot be insured. However, if your trip is cancelled for a covered reason listed in the Plan, 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. Bunny

4. If my trip is canceled, can I get a refund of my protection plan cost?

If your travel supplier cancels your trip completely and provides a full refund of trip cost, you may request a voucher for your travel protection plan cost to be used for a future trip.

If you voluntarily choose not to go on your trip, but the travel supplier will still be running the trip, you are not eligible for a voucher for your travel protection plan cost.

To request a voucher, you must submit:
  1. A letter from the travel supplier stating that they canceled the trip and gave you a full refund of your trip cost. The letter must be addressed to the insured traveler.
  2. An invoice showing your trip refund.
  3. A statement in writing—email or letter—to USI Travel Insurance Services (contact info below) stating that you have not and will not make a claim on the current plan. This statement can be in the body of the email to USI Travel Insurance Services with your travel supplier letter and refund invoice.
We will then start the process for the voucher to be issued. (Note: USI Travel Insurance Services is not involved in any trip refunds for cancelled trips; that is handled by the travel supplier.)

The voucher can be used for a different tour/tour operator than originally booked. The voucher will be valid for 24 months from the current plan effective date.

Email: select@travelinsure.com

Fax: 484-652-5394

Mail: Travel Insurance Services
3805 West Chester Pike, Suite 200
Newtown Square, PA 19073

5. My travel supplier canceled my trip and issued a voucher for future travel. What do I need to do with my travel insurance protection plan? If I choose not to take the trip in the future, can I receive a refund on my plan?

In the event that your trip was cancelled and you were issued a voucher for a future trip instead of a refund, you may have your travel protection plan for the cancelled trip transferred to protect your new trip. You can do so by calling Travel Insurance Services customer service (1-800-937-1387). If you don’t yet know your new trip dates, select some placeholder dates in the future and transfer your plan to these dates, then when you confirm your new trip dates, again transfer your plan to these new dates. NOTE: New trip dates must be departing by 12/31/2022.

Keep in mind that you must transfer your trip dates BEFORE your originally scheduled trip departure date, and trip dates can only be changed if you have not filed any claim.

If you were offered a voucher for a future trip but decide to forego this option and not take your trip, your travel protection plan will not cover a trip cancellation claim in this scenario, and we are unable to offer a refund of plan cost since you weren’t given a full trip refund by your travel supplier. (However, if you purchased Cancel For Any Reason coverage, you may file a claim under that provision.) Thank you for your understanding.

6. My friend and I are going to be traveling together. Am I still covered if my friend cancels his/her trip?

A Traveling Companion is defined as a person or 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 can cover 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 can be covered by the plan.
See the Travel Insurance Select Plan Document for complete details about this benefit.

7. I found out about Travel Insurance Select from 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?

Yes, you may insure the days you are traveling on your own. Include the prepaid, non-refundable 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.

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

No. However, you may choose from three plan options with different benefit levels and pricing: Basic, Plus, and Elite. Please take a moment to compare them to see which one best fits your needs.

Insurance Coverage Clarification  

9. Can Travel Insurance Select provide coverage for pre-existing conditions?

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 the date your initial trip payment/deposit is received.
  2. 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 Plan Document.

10. Does "Cancel For Any Reason" really mean I can cancel for any reason?

Yes, you really can cancel for any reason not already covered by the Travel Insurance Select Plan, provided you purchased the Cancel For Any Reason Upgrade (CFAR). To use this benefit, you must cancel the Trip at least 2 days prior to the scheduled departure date.

To be eligible, you must have purchased the Plus or Elite Plan and enrolled within 21 days of the date your initial trip payment/deposit is received. If you are forced to cancel for a reason not otherwise covered, CFAR coverage will reimburse you 75% of your prepaid, forfeited, non-refundable payments for the insured Trip arrangement(s) up to the maximum benefit amount 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.

11. Am I covered for trip cancellations/interruptions if the tour operator, airline, or cruise line ceases operations or becomes financially insolvent?

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 is covered for trip cancellations/interruptions if it occurs more than 14 days following the Effective Date. Benefits due to Bankruptcy or Default of an airline can only be paid if no alternate transportation is available. This benefit only applies if the plan has been purchased within 21 days of the date your initial trip payment/deposit is received and you insured all trip costs subject to penalties or restrictions. Certain exclusions may apply, please see the Plan Document for a complete explanation of your coverage.

There is no coverage for the Bankruptcy or Default of any person, organization, agency or firm from whom an insured purchased travel arrangements supplied by others.

12. What if I don't want to take my trip because of terrorist attacks?

Travel Insurance Select covers trip cancellations due to a Terrorist Incident (as outlined in the Plan Document) 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.

13. What if I can’t take my trip because of a natural disaster?

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.

Natural Disaster means a flood, hurricane, tornado, earthquake, mudslide, tsunami, avalanche, landslide, volcanic eruption, fire, wildfire or blizzard that is due to natural causes. To submit a claim due to a natural disaster, you’ll need to provide documentation or proof such as a news report, government statement (e.g. mandatory evacuation), report from the Department of Transportation (e.g. road closure) or other similar documentation.

Please review the Plan Document for more details.

14. I have been furloughed (or “temporarily laid off”) from my job. If I need to cancel or interrupt my trip because of this, will benefits be payable? What if my traveling companion is furloughed?

Certain Plans may include being laid off or fired from your job as a covered reason for Trip Cancellation coverage and/or as a covered reason for Trip Interruption coverage. If either or both coverages in your Plan include this language, we will consider a furlough (or other temporary layoff) to trigger coverage – provided that you are furloughed while your coverage is in effect and the terms of the covered reason are otherwise satisfied.

As with all claims, proof of loss will be required to be submitted for benefits to be payable. A statement from your employer describing your furlough may satisfy this requirement. Some Plans that include being laid off or fired from your job as a covered reason for Trip Cancellation coverage and/or as a covered reason for Trip Interruption coverage also cover a Traveling Companion’s job loss or layoff.

If your Plan includes a Traveling Companion’s job loss or layoff as a covered reason for Trip Cancellation coverage and/or as a covered reason for Trip Interruption coverage, the same analysis described above would apply to your Traveling Companion’s furlough (or other temporary layoff).

Making Changes After Purchase  

15. I entered the wrong trip dates when I bought the plan (or my trip dates have changed since then). What should I do?

If you realize that information on your enrollment form is incorrect please notify Travel Insurance Services of the correct information. Please include a daytime phone number and your Confirmation Number.

Email: select@travelinsure.com

Call: 1-800-937-1387 (toll-free)
Monday – Friday, 9:00 am – 7:00 pm Eastern Time

Fax: 484-652-5394

Mail: Travel Insurance Services
3805 West Chester Pike, Suite 200
Newtown Square, PA 19073

16. What if my trip cost increased after I bought the plan? For example, I added airfare or extended my stay. Can I insure the additional trip cost?

You may increase your insured Trip Cost any time prior to departure. However, if you purchased coverage within 21 days of the date your initial payment or deposit for your trip is received, 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 of the new travel arrangement costs you want to insure and include the additional plan cost. Please include a daytime phone number and your Confirmation Number.

Email: select@travelinsure.com

Call: 1-800-937-1387 (toll-free)
Monday – Friday, 9:00 am – 7:00 pm Eastern Time

Fax: 484-652-5394

Mail: Travel Insurance Services
3805 West Chester Pike, Suite 200
Newtown Square, PA 19073

17. Can I change the coverage level I purchased from Basic to Plus or Elite and pay the additional plan cost?

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 date your initial trip payment/deposit is received. To upgrade your coverage, please contact Travel Insurance Services in writing via mail or email.

Email: select@travelinsure.com

Call: 1-800-937-1387 (toll-free)
Monday – Friday, 9:00 am – 7:00 pm Eastern Time

Fax: 484-652-5394

Mail: Travel Insurance Services
3805 West Chester Pike, Suite 200
Newtown Square, PA 19073

18. Can I add Cancel For Any Reason coverage after I buy the plan?

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 available for purchase at an additional cost if you enroll in the Plus or Elite Plan within 21 days of the date your initial trip payment/deposit is received. This benefit is not available to residents of NY.

19. I did not receive (or cannot find) the confirmation email when I bought the plan. Can you (re)send it to me?

If you did not receive your confirmation email, we recommend first checking in your email spam or junk folder, as the confirmations sometimes end up there. The confirmation would be sent from this email address: noreply@travelinsure.com.

You may also contact Travel Insurance Services to request a resend. Include as much of the following information as possible to help us respond quickly:
  • Full name
  • Confirmation number (if known)
  • Email address
  • Last 4 digits of credit card used
  • Date and time of purchase
Email: select@travelinsure.com

Call: 1-800-937-1387 (toll-free)
Monday – Friday, 9:00 am – 7:00 pm Eastern Time

Assistance While Traveling

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

If you need medical assistance while traveling, please contact On Call International at:
  1-855-227-9681 (Toll-free inside the U.S.)
  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.

21. What do I do if my bag goes missing?

Your plan includes access to a non-insurance service called Blue Ribbon Bags that can help expedite your bag’s return. If your bag does not arrive at your destination, follow these steps:

  1. Report it to your airline first, then contact Blue Ribbon Bags to start the process.
  2. File a Mishandled Baggage Report with Blue Ribbon Bags within 24 hours of your flight landing. Mishandled Baggage Reports can be filed 24/7 at www.blueribbonbags.com/CMbr.
  3. Receive updates as your bag is tracked (while you’re out hopefully enjoying your trip!).

What is a mishandled bag?
A mishandled bag is a checked bag that the airline’s tracking system reveals has been misdirected to a destination different from that of your flight end-point destination, or that has not been loaded onto the flight which the passenger has taken, as reported by the airline.

Is there anything else I should be aware of?
Theft, missing contents, or damaged baggage are not included in this service. The Service only applies to Baggage mishandled by the Airline only.

Claims

22. How do I file a claim?

The claims administrator for this plan is Co-Ordinated Benefit Plans (CBP). Please visit their self-service website at https://cbpconnect.com/register.aspx?en=g

You will instructed to create an account. However, you do not need a Member Number to create your login – simply check the box to indicate "I don't know my Member/Policy Number."

If you have questions or need assistance, call the Travel Insurance Services Customer Service team at 1-800-937-1387.

 

COVID-19 (Coronavirus)  

23. Can I cancel my trip if I am afraid of getting sick from COVID-19?

Fear of contracting the COVID-19 alone is not a covered reason for Trip Cancellation or Trip Interruption coverage. However, if your plan includes either or both Cancel For Any Reason or Interruption For Any Reason coverages, benefits would be payable (subject to the standard rules that apply to these coverages).

24. What if a physician advises me or a traveling companion not to travel due to a heightened vulnerability to contracting COVID-19? Will Trip Cancellation benefits be payable?

A cancellation due to fear of contracting COVID-19, even if reasonable and supported by a physician’s note advising the insured or a Traveling Companion not to travel due to an underlying condition (or any other reason), would not be covered unless you purchased Cancel For Any Reason coverage (subject to the standard rules that apply to this coverage).

25. What if my traveling companion or I take a home test and the result comes back positive for COVID-19?

Home tests are treated the same as any other COVID-19 test. In many cases, a physician is present remotely via a telehealth method when a home test is taken, and we would consider this to be the same as a test administered by a Physician or Legally Qualified Physician (as defined by your Plan). If such a test allows the Physician or Legally Qualified Physician to determine that you or (in most – but not all – Plans) a Traveling Companion (as defined by your Plan) has COVID-19, then there may be a payable claim, provided that the Plan contains a coverage that is triggered by sickness or quarantine and that coverage is in effect. The Physician/Legally Qualified Physician would need to confirm that the person is sick and therefore unable longer take the trip or continue the trip (as applicable to the particular coverage under which the claim is brought) or that the person is required to quarantine (see FAQ 34 for additional details on “Quarantine”). All additional terms and conditions of the particular coverage would need to be satisfied as well.

If a home test does not involve a physician, we would require the relevant person to reach out a Physician or Legally Qualified Physician. The Physician/Legally Qualified Physician would need to confirm that the person is sick and therefore unable longer take the trip or continue the trip (as applicable to the particular coverage under which the claim is brought) or that the person is required to quarantine (see FAQ 34 for additional details on “Quarantine”). Please note that a physician’s visit delivered via telehealth may be able to satisfy this requirement.

26. I tested positive for COVID-19 just before my trip. How can I file a Trip Cancellation claim?

COVID-19 is treated as any other Sickness under the plans and so the same documentation is necessary (complete Trip Cancellation claim form which includes sections for the Attending Physician statement and a medical release).

27. What documentation will be required to support my claim of a positive test?

We will need a statement from a Physician or Legally Qualified Physician (as defined by the Plan) that confirms that the person was unable to take the scheduled trip due to a positive COVID-19 test. We do not need to see the test itself or even know who administered the test. The key item we need is confirmation from a Physician or Legally Qualified Physician that a test was administered, the person tested positive, and that, therefore, the person cannot take the trip.

28. Can I take laboratory results of a positive COVID-19 test to any physician to prove my diagnosis?

Yes, as long as that physician meets our definition of a Physician or Legally Qualified Physician and submits a medical statement on your behalf.

29. What if the destination/resort to where I travelled provides COVID-19 testing?

Both Trip Cancellation coverage and Trip Interruption coverage can include “sickness” as a covered reason. In order for the “sickness” trigger to apply in either Trip Cancellation coverage or Trip Interruption coverage, the Insured or (in most – but not all – Plans) a Traveling Companion (as defined) must require medical treatment at the time of the cancellation or interruption (as applicable), and a Physician or Legally Qualified Physician (as defined) must determine that this sickness requires the Insured/Traveling Companion to have to cancel or interrupt the trip.

If a Physician or Legally Qualified Physician administers the COVID-19 Test and he/she determines that Insured’s/Travel Companion’s test results prevent the Insured/Traveling Companion from being able to embark on or continue the trip, then there may be Trip Cancellation coverage or Trip Interruption coverage (as applicable), subject to the standard terms and conditions of the Plan. If the Insured or a Traveling Companion tests positive for COVID-19 with a test that is selfadministered or a test that is administered by someone who is not a Physician or Legally Qualified Physician, additional action must be taken in order for this to be considered a covered sickness for purposes of Trip Cancellation coverage or Trip Interruption coverage.

As soon as reasonably possible, the Insured/Traveling Companion will need to seek the attention of a Physician or Legally Qualified Physician, and the Physician or Legally Qualified Physician will need to confirm that the Insured’s/Traveling Companion’s test results prevent the Insured/Traveling Companion from being able to embark on or continue the trip. Please note that a Physician’s or Legally Qualified Physician’s visit delivered via telehealth may be able to satisfy this requirement.

30. Is COVID-19 treated the same as other sicknesses under the terms of the Plan?

Yes. COVID-19 is treated the same as any other sickness for purposes of all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness – including death caused by sickness. Depending on the Plan Design, this can include – but is not necessarily limited to – the following (including the sub-benefits of many of these):
  • Trip Cancellation
  • Trip Interruption
  • Accident and Sickness Medical Expense
  • Emergency Medical Evacuation/ Medical Repatriation/ Return of Remains

31. Do limitations and exclusions apply to claims for losses caused by COVID-19? Does the Exclusion for Pre-Existing Conditions apply to losses caused by COVID-19? Can the Waiver of the Exclusion for Pre-Existing Conditions apply to COVID-19?

The same limitations and exclusions that apply to all claims also apply to claims for losses caused by COVID-19, including the Exclusion for Pre-Existing Conditions (where applicable). Please note that the same rules that determine whether a sickness is considered to be a Pre-Existing Condition also apply to COVID-19.

Certain Plan Designs include a Waiver of the Exclusion for Pre-Existing Conditions. If the Waiver of the Exclusion for Pre-Existing Conditions applies to losses stemming from sicknesses, it also applies to losses stemming from COVID-19.

32. Federal regulations require those who travel abroad to be tested for COVID-19 prior to re-entry into the United States. Is the cost incurred for administering this test covered by my Plan?

No. Accident and Sickness Medical Expense coverage (when included in a Plan) can only reimburse certain, defined medical expenses, typically referred to as “Covered Expenses” or “Medical Expenses” (depending on your Plan).

The cost of administering a test for any disease, including COVID-19, can only be covered if a Physician or Legally Qualified Physician (as defined by your Plan) orders you to be tested. Here, the test is being ordered by the United States government rather than a Physician or Legally Qualified Physician. Therefore, the cost incurred for administering this test would not be considered a Covered Expense or Medical Expense for purposes of the Plan’s Accident and Sickness Medical Expense coverage or any other coverage – even if you test positive.

However, if a Physician or Legally Qualified Physician orders you to be tested for COVID-19 or any other disease while on your trip, this could potentially be covered under your Plan’s Accident and Sickness Medical Expense coverage, subject to the standard terms and conditions of your Plan.

33. What if I test positive for COVID-19 when I undergo a COVID-19 test required for re-entry into the United States? Can my medical expenses be covered?

Please note that our Plans will not cover the cost of administering a COVID-19 test undertaken solely to comply with federal regulations – even if you test positive (see FAQ 30). However, if this test determines that you are positive for COVID-19 and a Physician or Legally Qualified Physician (as defined by your Plan) orders you to undergo medical treatment due to this positive COVID-19 test, your treatment could be covered while your coverage is in effect (subject to the standard terms and conditions of your Plan).

34. What if I test positive for COVID-19 when I undergo a COVID-19 test required for re-entry into the United States? Will I have a payable Trip Interruption or Travel Delay claim? What if my traveling companion tests positive?

Please note that the Plan will not cover the cost of administering a COVID-19 test undertaken solely to comply with federal regulations – even if you test positive (see FAQ 30). However, if this test determines that you or (in most – but not all – Plans) a Traveling Companion (as defined by your Plan) are positive for COVID-19, then we would consider you or the Traveling Companion to have a covered Trip Interruption claim for “sickness” if a Physician or Legally Qualified Physician (as defined by your Plan) determines that you or your Traveling Companion must interrupt the trip due to this sickness, subject to the standard terms and conditions of your Plan. This includes home tests, as described in FAQ 23. If you or a Traveling Companion are determined to be positive for COVID-19 by a test that is administered by someone who is not a Physician or Legally Qualified Physician, additional action must be taken in order for this to be considered a covered sickness for purposes of Trip Interruption coverage.

As soon as reasonably possible, you or your Traveling Companion will need to seek the attention of a Physician or Legally Qualified Physician, and the Physician or Legally Qualified Physician will need to confirm that you/your Traveling Companion are sick and that this prevents you/your Traveling Companion from being able to continue the trip as planned. Please note that a physician’s visit delivered via telehealth may be able to satisfy this requirement. You could also have a payable Trip Interruption claim if you or a Traveling Companion are forced to quarantine as a result of a positive COVID-19 test (including a home test, as described in FAQ 23).

The quarantine trigger for Trip Interruption coverage is discussed in more detail below. Travel Delay coverage typically covers different expenses than Trip Interruption coverage. This coverage may also be triggered by a positive COVID-19 test if – as a result – you are forced to quarantine. FAQs below describe what is considered to be a quarantine under Plans containing our travel insurance in more detail. Please note that some (but not all) Plans with our travel insurance also cover Travel Delays caused due to a Traveling Companion’s quarantine, and some (but not all) Plans also cover Travel Delays due to sickness. Be sure to check your Plan Document to see what is covered.

35. What if my traveling companion or I am unable to re-enter the United States solely because a COVID-19 test result has not come back? Will I have a payable claim?

The standard rules that apply to Interruption For Any Reason coverage apply if you purchased this coverage. However, you will not have a payable Trip Interruption claim or Trip Delay claim, as this situation is not a covered reason for either coverage.

36. What is considered to be a covered quarantine?

A “quarantine” is a strict medical isolation imposed by a recognized government authority, their authorized deputies, a medical examiner or a physician to prevent the spread of a disease due to you or (in most – but not all – Plans) a Traveling Companion (as defined by your Plan) either having, or being suspected of having, a contagious disease, infection or contamination. An order is not considered to impose a strict medical isolation unless the order requires the relevant person to be confined twenty-four hours per day, seven days a week throughout its duration.

If you or a Traveling Companion decide to “self-quarantine” upon the advice of comments made by a public health official, or upon the advice of any medical doctor in the media, this is not considered to be a physician-ordered quarantine. Rather, a physician must specifically order the relevant person to be quarantined due to that person having (or being suspected of having) a contagious disease, infection or contamination, and the order must apply twenty-four hours per day, seven days a week throughout its duration.

A “recommendation” is not a quarantine. The order must come from a government or a physician and must be mandatory to qualify as a strict medical isolation.

37. Are “Shelter in Place” orders or “Stay at Home” orders considered to be a quarantine?

We are not aware of any “Shelter in Place” or “Stay at Home” order that is a quarantine. If a government or physician orders you to remain in your home or lodging, this can be considered a quarantine if – and only if – the order to shelter in place is mandatory and applies twenty-four hours per day, seven days a week throughout its duration.

If the order is a “recommendation” or if there are exceptions that permit you to leave your home or lodging to obtain necessary provisions or food (etc.), this is not considered to be a quarantine as this is not a strict medical isolation.

38. My destination has issued a “mandatory self-quarantine.” Is this considered to be a quarantine?

This will depend upon the restrictions imposed by the order. If a government or physician orders you to remain in your lodging, this can be considered a quarantine if – and only if – the order to self-quarantine is mandatory and applies twenty-four hours per day, seven days a week throughout its duration.

If the order is a “recommendation” or if there are exceptions that permit you to leave your lodging to obtain necessary provisions or food (etc.), this is not considered to be a quarantine as this is not a strict medical isolation.

39. What if the destination to which I am traveling will place me or a traveling companion into quarantine when we arrive (or otherwise will require me or a traveling companion to be quarantined upon arrival)? Can I cancel or interrupt my trip to avoid this?

As an accommodation to our insureds, if the destination to which you are traveling is requiring all travelers similarly situated to you to be quarantined (as described in response to FAQ 34) for a period of time upon entry, you may be eligible for Trip Cancellation coverage – provided the quarantine order that you would face is in effect within 14 days of your scheduled departure date and will not expire prior to your scheduled arrival at the destination. You must cancel your trip within this 14 day period prior to departure for the accommodation to apply. If you cancel your trip more than 14 days prior to your trip, then the accommodation does not apply unless you provide proof at the time of your cancellation that there is a quarantine order that will be in effect on your scheduled departure date. If you have already departed on your trip but have not yet entered a destination that is requiring all travelers similarly situated to you to be quarantined, this accommodation applies to Trip Interruption coverage as well – provided the quarantine order that you would face is in effect within 14 days of your scheduled arrival into that destination and will not expire prior to your scheduled arrival at the destination. This accommodation only applies to Trip Cancellation coverage if your Plan includes being quarantined as a covered reason for Trip Cancellation coverage. Likewise, this accommodation only applies to Trip Interruption coverage if your Plan includes being quarantined as a covered reason for Trip Interruption coverage. Some Plans that include being quarantined as a covered reason for Trip Cancellation coverage and/or as a covered reason for Trip Interruption coverage also cover a Traveling Companion’s quarantine. If your Plan includes a Traveling Companion’s quarantine as a covered reason for Trip Cancellation coverage and/or as a covered reason for Trip Interruption coverage, the same analysis described above would apply to your Traveling Companion.

Please note that this accommodation only applies if the quarantine at your destination is completely unavoidable for all travelers similarly situated to you or your Traveling Companion (as applicable). If you or your Traveling Companion can avoid the quarantine by testing negative for COVID-19 prior to arrival into the destination or by being fully vaccinated, then this accommodation would not apply.

40. I am required to quarantine upon return from my trip. Do I have a payable Trip Cancellation claim if I cancel my trip to avoid this?

No. The accommodation described above in FAQ 37 only applies if a destination during your trip is requiring travelers similarly situated to you to be quarantined upon arrival. It does not apply if you would face a quarantine in your return destination city or in any other place following the end of your trip.

41. I have been quarantined during my trip. How long can coverage under my Plan be extended?

Regardless of the terms of the Plan, United States Fire Insurance Company has made the administrative decision to allow for coverage to be extended for the entire duration of a COVID-19 related quarantine, and coverage will be extended for five additional days following the end of the quarantine provided you have not arrived back in your return destination city.

42. What expenses can be reimbursed if I need to quarantine during a trip?

The answer varies based on the Plan that you purchased. However, here are some key provisions on which to focus. Trip Interruption coverage reimburses certain unused, non-refundable travel arrangements. Trip Interruption coverage cannot reimburse any additional expenses incurred solely due to a quarantine except for your Additional Transportation Cost (as defined in your Plan). Also, if you quarantine in your prepaid hotel accommodations, you will not receive any reimbursement under the Trip Interruption coverage (or any other coverage in the Plan) for those same prepaid hotel accommodations.

If you incur additional hotel or meal expenses solely due to a quarantine, you will not receive any reimbursement under the Trip Interruption coverage. However, when included in a Plan Design, the Trip Delay and Missed Connection coverages may be able to reimburse additional meal and hotel expenses incurred due to a delay caused by a quarantine (subject to the terms and conditions of the applicable coverage).

43. I am not sick and no person mentioned in my Plan Document is sick/dead either. Are there any additional coverages that COVID-19 could directly or indirectly trigger?

The standard rules that apply to Cancel for Any Reason and Interruption For Any Reason coverages apply if you purchased either or both of these coverages. The standard rules that apply to Change Fee, Itinerary Change, and Reimbursement of Miles or Reward Points apply if a Plan contains any or all of these coverages. Additional coverages in your Plan Document may also be triggered.
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COVID-19 is treated the same as any other sickness for purposes of all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness – including deaths caused by sickness.

The same limitation and exclusions that apply to all claims also apply to claims related to COVID-19, including the Exclusion for Pre-existing Conditions

Fear of contracting the coronavirus alone is not a covered reason for Trip Cancellation or Trip Interruption coverage. However, if your plan includes either or both Cancel For Any Reason or Interruption For Any Reason coverages, benefits would be payable (subject to the standard rules that apply to these coverages).

This website contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2021. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by On Call International. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact USI Insurance Services, LLC d/b/a USI Affinity Travel Insurance Services with its principal place of business at 3805 West Chester Pike, Suite 200, Newtown Square, PA, 19073; 1-800-937-1387; info@travelinsure.com. CA license #OG11911.



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