1. When will my travel protection coverage become
effective?
Most flight accident policies become effective the day of your departure upon boarding your flight, however
some polices must be purchased the day prior to your travel. For other, travel or cruise protection plans,
coverage begins at 12:01 a.m. the day after the insurance purchase.
More questions call 800 694 4311
2. Can I purchase a Flight Accident Policy if I have already
departed on my trip?
No, these policies cannot be purchased if you have already departed on your trip.
More questions call 800 694 4311
3. Is there travel insurance available that covers canceling a trip
due to the death of a family member?
Yes, �comprehensive� or �all inclusive� travel protection policies provide coverage for trip cancellation
due to the death or illness of a family member which requires you to stay home.
More questions call 800 694 4311
4. What is the latest date I can purchase travel
insurance?
You can purchase a policy up to the day before you travel, but we recommend that you buy travel insurance
as soon as possible to maximize your benefits. If you wait, you run the risk of an illness or injury before
you buy your travel insurance which would then become a pre-existing condition, not covered by your plan.
More questions call 800 694 4311
5. When is the best time to purchase travel insurance?
To receive the most benefit from the flight, cruise, or trip policy you should purchase the
insurance within 14 - 21 calendar days of making your initial trip payment or deposit. (The actual
number of days varies by company and plan.) If the insurance is purchased within the 14 - 21 day
period, you will usually receive “Bonus Benefits” from the underwriter, such as the
waiver of the plan’s pre-existing medical condition exclusion and travel supplier
(tour operator, airline or cruise line) financial default or bankruptcy protection.
More questions call 800 694 4311
6. I booked part of my vacation, but not the flight. Do I have to wait until the flight is booked
before purchasing travel insurance?
You can purchase the travel insurance right away and include an estimate of your flight tickets.
More questions call 800 694 4311
7. I am interested in travel insurance policies that cover cancellation for any reason
whatsoever. Does this exist?
Trip cancellation coverages are "named peril" policies, meaning they will only cover you for a specific
reason named in the policy. None of them provide coverage for "any reason," such as an inability to get
time off from work. Generally travel insurance policies cover cancellations due to health, weather,
airline or cruise line bankruptcy, etc.
More questions call 800-694-4311.
8. What is the First Trip Payment Date?
This is the date that you first made a payment or deposit for the trip you are insuring. If you pay
by check, this is the date the check is written—not the date it is cashed
More questions call 800 694 4311
9. How do I determine the total cost of the trip?
To determine the insurable cost of you trip, add together the cost of all of your non-refundable pre-paid
trip arrangements.
More questions call 800 694 4311
10. When it comes to travel insurance, what is the definition of a
Pre-Existing Medical Condition?
Any injury, disease or illness to occurring prior to and including the effective date of your insurance.
The number of days prior depends upon the plan.
More questions call 800 694 4311
11. If I take medication for high blood pressure, is this considered a
Pre-Existing Medical Condition?
If your blood pressure is controlled through the taking of prescription medication and remains controlled
throughout the Pre-existing Condition time constraint (varies with plan) this condition would NOT be
considered pre-existing.
More questions call 800 694 4311
12. What is the Pre-Existing Condition Period?
The number of days from the date insurance was purchased that the travel insurance company will look back
to see if your claim is related to a pre-existing medical condition. This time constraint varies.
More questions call 800 694 4311
13. What does it mean to have the Pre-Existing Conditions
waived?
This means you will have coverage for a pre-existing condition if you need to cancel/interrupt your trip.
The policy must be purchased within the allotted number of calendar days required by the underwriter,
after your first trip payment or deposit (variers with plan).
More questions call 800 694 4311
14. Can I cancel a policy I purchased?
Most travel insurance plans allow you to review the policy for 10 - 20 calendar days following purchase
(varies by company and plan). If you cancel your policy within that 10 - 20 day period, you will receive
a full refund except for the policy fee (not all companies have a policy fee).
More questions call 800 694 4311
15. What is the policy limit for tour, flight or cruise
cancellation insurance?
The trip cancellation/interruption limit varies from plan to plan. Most policies allow an online maximum
purchase of $10,000 per insured but can have a telephone maximum of up to $20,000 per insured�this
requires a call to 800 694 4311
16. I made a mistake in entering my data, what should I
do?
You can call or email us. We will have the changes made to your
policy and request that a corrected policy be sent to you.
800 694 4311 or sales@utravelpro.com
More questions call 800 694 4311
17. I did not receive a copy of my travel insurance in the mail yet.
What can I do?
Please do not be alarmed, your coverage has been in effect since the date you purchased your policy.
If you received your order confirmation email, all of the policy and contact information is included
in your email. Policies are normally sent out within 24 hours of purchase by the respective
insurance company. With mailing time, the policy should be received in 7 - 14 days. If you have
not received your policy within 14 days, please contact our office at 1-800-694-4311 or
email us at sales@utravelpro.com We will verify your
mailing address and request that the policy be sent out again.
More questions call 800 694 4311
18. In these uncertain times, is terrorism covered in my trip,
flight or cruise insurance?
Many of our plans offer coverage for Terrorism. Trip cancellation coverage is generally considered to
be a "named peril" type policy, meaning that only those perils that are named in the policy
are covered. This includes terrorism. Each company includes their own definition of terrorism.
More questions call 800 694 4311
19. Can I purchase a policy to cover cancellation due to war or
threat of war?
No. All insurance companies exclude coverage if the loss is caused by war or threat of war.
More questions call 800 694 4311
20. I am in the military. What if I am called to duty or
denied leave?
If your leave is denied because of declared or undeclared war, all policies will exclude that reason.
There are several companies that address military leave or being called to duty in one form or another:
Please call or email us if you would like more information.
More questions call 800 694 4311
21. Can citizens of countries other than the U.S. purchase travel
insurance?
Yes. Most travel insurance plans are for “USA and Canadian” or “USA Only”
Residents however, we do have a plan (One Travel Protection) which covers residents of all countries.
Please call to ensure you get the travel protection that is right for your trip, flight or cruise.
More questions call 800 694 4311
22. Can I insure the cost of the airline ticket that I purchased
with frequent flyer miles?
No, because no money changed hands. However, you can purchase coverage for the rest of your
non-refundable trip costs.
More questions call 800 694 4311
23. Does Medicare cover foreign travel?
No. If Medicare is your primary insurance, you should purchase travel insurance for possible medical
emergencies. In fact most private policies either have limited or no coverage at all outside continental
USA. Even if your personal policy will cover, you will have co-pay and deductibles…travel
insurance will cover these deductibles and co-payments on covered claims. Some travel insurance
policies are primary.
More questions call 800 694 4311
Medicare Website
24. Can you enroll multiple employees or travelers on one policy,
or do we need separate policies for each employee or traveler?
You can include multiple employees or travelers on most policies. The number varies by plan.
More questions call 800 694 4311
