Travel Insurance

Why Do I Need Travel Insurance?

Why Do I Need Travel Insurance?

Travel insurance helps protect you from the unexpected. You hope that everything will run smoothly on your vacation, but mishaps or accidents do happen. Travel insurance is designed to help protect you financially from lost baggage and expensive medical bills.

Travelex travel insurance plans can help protect you for:

  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage and personal effects
  • Emergency medical and dental expenses
  • Accidental death and dismemberment; and more

We also provide optional coverage that you can add to your plan. Compare plans today to find the coverage that best suits you.

How Does Travel Insurance Work?

It is recommended to purchase your travel insurance plan when you make your first payment for your trip. The earlier you purchase travel insurance, the sooner you have protection for your vacation. Read your policy document to find out when coverage starts depending on your selected bonus coverage.

When you purchase an insurance plan, Travelex will provide you with coverage against the mishaps and accidents included in your policy. Limits apply to each plan type. For example: if your baggage is lost upon your arrival at your destination, the Basic plan provides up to $500 and the Select plan provides up to $1,000 of coverage. The policy documents you receive will also have a complete list of plan exclusions and limitations.

If anything goes wrong, you can either contact our assistance team for emergencies or put in a claim via our website to be reimbursed on eligible claims.

Travel Insurance Features

Traveling with Kids
Travelex offers a family friendly plan, which features kids included pricing.

Choosing What Suits You
It's easier than ever to choose the right protection for your needs with plans that focus anywhere from weekend-getaways to luxury travel; Travelex has a plan perfect for you!

Cancellation Coverage
Travelex is proud to offer several Trip Cancellation options, even our Travel Basic plan includes a variety of cancellation options.

Purchase Guarantee
If you are not completely satisfied within 15 days of purchasing Travel Basic, Travel Select, Flight Insure or Flight Insure Plus plans, 21 days for Travel America, and have not yet departed or filed a claim, Travelex will refund your plan cost.

Primary Coverage
Primary coverage pays your claim first with no deductibles. This means faster payment to you. Purchase any time before your trip and primary coverage is automatically included!

Secondary Coverage
Secondary coverage pays your claim by supplementing noncovered expenses after submitting to your primary carrier.

Pre-existing Condition Waiver
Our Travel Select and Travel America plans offer an exclusion waiver for pre-existing medical conditions for people of all ages. To be eligible you must purchase a plan within 15 days of initial trip payment for Travel Select and within 3 days of final trip payment for Travel America.

Medical Expense Reimbursement
If you fall ill on your trip Travelex is there to help reimburse covered expenses so you don't have to come home to a pile of bills and wonder how you'll pay.

Extra Accommodations
Flight delays are a common occurrence, leaving you behind with extra costs for hotel rooms and revised transportation schedules. Travelex helps ease the financial loss, providing top of the line travel delay protection on all of our plans.

What Am I Covered For?

Coverage limits vary depending on the plan you choose. If you are traveling domestically within the USA, we have our Travel America plan. If you’re just looking for essential travel insurance coverage, we have our Travel Basic plan. For travelers looking for coverage with higher benefit levels, we have our Travel Select plan.

Generally speaking, you’re eligible for coverage for unforeseen events on your journey that fit within the items specified in your policy. We recommend reading your policy carefully to ensure you’re satisfied with the levels of coverage. All of our plans come with a purchase guarantee where you can cancel the policy if you have not departed on your trip or filed a claim.

What Are Some Examples?

  • My daughter is too sick to travel - When you purchase a plan that offers trip cancellation/interruption coverage you may be eligible to cancel or interrupt your trip for the unforeseen sickness - and be reimbursed for any non-refundable expenses relating to your trip.
  • My travel supplier just declared bankruptcy - Common carriers with financial difficulties are becoming increasingly common. Purchasing trip cancellation/interruption coverage from Travelex can help protect you from losing your trip investment due to such an occurrence.
  • We were on our way home when the airline went on strike - The trip delay benefit offers coverage for additional meals and accommodations for strikes that affect public transportation.
  • I arrived but my luggage didn't - Whether your bag is lost or merely delayed, you can be reimbursed for the purchase of clothing and personal articles so you can enjoy your vacation.
  • My father-in-law fell and injured himself and I normally care for him - The illness or injury of family members is also included under eligible reasons to cancel. It's important to remember that even if you are fit to travel; other events may make departing on your trip unthinkable.
  • We missed our connection because of a flight delay - Weather and mechanical difficulties often delay our arrival into our connecting city past the departure of the next flight. If the cause of the flight delay was at least 3 hours long, you may be reimbursed the un-used portion of your trip as well as for the additional accommodations and meals.
  • We were traveling when I suddenly developed chest pains - When a medical emergency happens far away from home and from proper medical facilities, you want to ensure you receive adequate care. Our medical evacuation benefit will help cover emergency transportation for you to the nearest facility or back home.
  • A terrorist act has occurred in a city in which my flight will be connecting - Both domestic and international terrorist acts are covered reasons to cancel your trip and protect your investment from being lost.
  • My wallet, with my credit cards and passport, have been stolen - Emergency assistance services will assist you in reporting your lost documents and make arrangements for an emergency cash transfer should that be required.

Want To Know More?

Have a look at the links below to find out more about Travelex travel insurance and get a quote.

For Assistance Please Call 1-800-228-9792
The product descriptions provided above are only summaries. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy or Description of Coverage. Coverage and rates may vary by states. If there is any conflict between the contents of this website and the Policy or Description of Coverage, the Policy or Description of Coverage will govern in all cases. Travel Assistance Services are provided by the designated provider listed in the policy or on your Confirmation of Coverage.
Travelex Insurance Services, Inc. 810 North 96th Street, Suite 300, Omaha, NE, 68114. CA Agency License #0D10209.