Trip Care Complete Trip Protection Insurance

The Trip Care Complete 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 coverages available.

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

No, frequent flyer miles cannot be insured. However, if your trip in cancelled or interrupted for a covered reason listed in the Policy,we will reimburse you for the penalty charge or change fee the airline charges you to change your airline ticket dates.

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.

Travel Insurance Services has been providing travel insurance solutions to customers since 1973. Trip Care Complete is underwritten by Starr Insurance Company, currently authorized to transact business in all states and the District of Columbia.

Trip Care Complete Insurance has Cancel for any reason benefit which can be included at an additional cost within 14 days of the initial trip deposit/payment. To get the CFAR benefit travelers must cancel the trip at least two days prior to the scheduled departure date.

Yes, if you purchase within 14 days of your initial trip deposit/payment, insure 100% of your trip cost, the booking for the Covered Trip must be the first and only booking for this travel period and destination, and you are not disabled at the time you pay the premium, the Pre-Existing Conditions exclusion is waived. For a complete explanation of the Pre-Existing Conditions waiver, please review the Description of Coverage.

No. The Pre-Existing Conditions Waiver only applies to Trip Care Complete, and only if you enroll within 14 days of your initial trip deposit/payment, insure 100% of your trip cost, the booking for the Covered Trip must be the first and only booking for this travel period and destination, and you are not disabled at the time you pay the premium. For a complete explanation of the Pre-Existing Conditions waiver, please review the Description of Coverage.

Yes, you really can cancel for any reason not already covered by the Trip Care Complete plans, provided you purchase this optional coverage, have enrolled within 14 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 75% of your prepaid, forfeited, non-refundable payments for the covered Trip arrangement(s) up to the policy limit shown on the Schedule of Benefits. Cancel for Any Reason coverage is not available to residents of NY.

A travel protection plan is essential because it acts as a safety net during your journey. It provides coverage for trip cancellations, lost baggage, flight delays, and unexpected medical expenses. Additionally, it helps meet visa requirements and may offer additional services like legal support or medical evacuations. When planning your next adventure, consider having a travel protection plan to ensure a worry-free experience!

When you purchase Trip Care Complete insurance within 14 days of your initial trip payment, you become eligible for several additional benefits:

• Cancel For Any Reason (CFAR): This optional upgrade allows you to cancel your trip for any reason, the full cost of non-refundable, pre-paid trip arrangements and subsequently booked trips booked within 14 days of payment/cancellation must be insured. Trip must be canceled at least 2 days prior to scheduled departure.
• Waiver of Exclusion for Pre-Existing Medical Conditions: By buying early, waives 60-day Pre-Existing Medical Condition exclusion

• Trip Cancellation: Reimburses non-refundable trip costs if you need to cancel your trip for a covered reason, such as illness, injury, or other unforeseen events.
• Trip Interruption: Reimburses nonrefundable, pre-paid trip expenses and the cost of additional transportation expenses, when trip is interrupted due to covered circumstances.
• Travel Delay: Reimburses for reasonable expenses, if trip is delayed 6 hours or more for covered reasons, such as accidents, lost passports, strike, carrier-caused delays, and weather.
• Emergency accident & sickness medical expenses: Pays for reasonable and customary medical and surgical services of a physician, nurse and/or hospital, or dentist if accident or illness occurs.
• Medical Evacuation and return of remains: This reimburses transportation expenses incurred to transport, round trip air fare for someone from home to visit while you recover, the cost of returning remains home, in the event of death.
• Security and Political evacuation(not in basic coverage): Pays if you need to evacuate as a result of an emergency security or military situation, such as a civil or military uprising, war or other violent disturbance.