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.

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COVID-19 (Coronavirus)

Download the Covid-19 FAQ Document here (PDF)

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 your trip departure. 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/Interruption For Any Reason upgrade. The Basic plan does not include time-sensitive benefits.

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/Interruption 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.

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 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 to be used for a future trip.

To request a voucher, you must submit:

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.
An invoice showing your trip refund.
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. Keep in mind that you must request a voucher BEFORE your originally scheduled trip departure date. 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 12/31/2023.

Email: select@travelinsure.com

Fax: 484-652-5394

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

5. 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.

6. 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.

7. 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

8. 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:

Purchase the plan within 21 days of the date your initial trip payment/deposit is received.
Are not disabled from travel at the time the plan is purchased, based on Physician assessment.

For a complete explanation of the Pre-Existing Conditions Exclusion waiver, please review the Plan Document.

9. 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/Interruption For Any Reason Upgrade (CFAR/IFAR). 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/IFAR 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/Interruption For Any Reason coverage is not available to residents of NY. Interruption for any Reason not available in WA. Additional cost and terms apply.

10. 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. If alternate transportation is available, benefits will be limited to the change fee charged to allow you to transfer to another airline in order to get to your intended destination. 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.

11. 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 30 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.

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

Trip Cancellation benefits can be paid in the event that: “Your or Your Traveling Companion's Primary Residence or Scheduled Destination are made Uninhabitable and remain Uninhabitable during Your Trip or is inaccessible by the mode of transportation as shown on the travel documents or itinerary within 30 days of Your Scheduled Departure Date by a Natural Disaster or vandalism or burglary.”

Claims are not payable if a hurricane is foreseeable prior Your Effective Date for Trip Cancellation. A hurricane is foreseeable on the date it becomes a named storm. We will only pay the benefits for losses occurring within 30 days after the event renders Your Scheduled Destination Uninhabitable or inaccessible.

Natural Disaster means a flood, tsunami, cyclone, hurricane, tornado, earthquake, mudslide, avalanche, landslide, volcanic eruption, sandstorm, sinkhole, named winter storm, severe hail storm, fire, wildfire or blizzard; all of which are 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.

13. I have been laid off from my job. Can benefits be payable under Trip Cancellation or Trip Interruption? (Elite Plan Only)

If you purchased the Elite plan, you may have coverage for Trip Cancellation or Trip Interruption if you are involuntarily terminated or laid off from your employment. You must have been an active employee with the same employer for at least 3 continuous years. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancer or self-employed persons.

For Trip Cancellation benefits to apply, the termination notice must occur at least 10 days after your trip cancellation effective date. Trip Interruption benefits may apply if you are involuntarily terminated or laid off by Your employer while You are on Your Trip.

Making Changes After Purchase

14. 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 Insuance 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

15. 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

16. 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

17. Can I add Cancel For Any Reason/Interruption For Any Reason coverage after I buy the plan?

Cancel/Interruption For Any Reason optional coverage must be selected at the time of original plan purchase.

Cancel/Interruption For Any Reason optional coverage is available for purchase at an additional cost if you purchase the Plus or Elite Plan within 21 days of the date your initial trip payment/deposit is received. CFAR/IFAR is not available to residents of NY. IFAR not available in WA.

18. 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

Non-Insurance Assistance While Traveling

19. 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.)
1-603-952-2050 (Collect calls outside of the U.S.)

Assistance services are non-insurance services provided by On Call International and are not insurance benefits.

20. 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 track and expedite your bag’s return within 96 hours from the time your flight lands.

Report it to your airline first, then contact Blue Ribbon Bags to start the process.
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.
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

21. 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 be 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.

Site Map Privacy Policy

Travel Insurance Services is accredited by the Better Business Bureau

Travel Insurance Services is a member of the US Travel Insurance Association

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 Cancel For Any Reason and 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 developed by USI Insurance Services, LLC which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by On Call International and Blue Ribbon Bags. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical 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 is 800-927-4357. 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. While USI Insurance Services, LLC markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by USI Insurance Services, LLC and USI Insurance Services, LLC does not receive compensation from USF for providing the non-insurance components of the plans.

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Frequently Asked Questions For the Travel Insurance Select Plan