What Travelex offers

Travelex travel insurance offers protection for travelers on most types of trips, from weekend getaways to the luxury vacations.

The Ultimate plan allows you to customize your coverage. The Flight Insurance options are also available for those who want flight-specific protection.

The Ultimate Plan

Thanks to the Ultimate plan's variety of benefits and customizable upgrades, this travel insurance plan is perfect for most kinds of trips. If your trip is delayed, interrupted, or cancelled because of sickness, injury, death, severe weather, terrorism, pregnancy, or other eligible reasons, the Ultimate plan can provide coverage for incurred expenses. Additionally, with the Ultimate plan you can also receive coverage for emergency medical and dental expenses, and medical evacuations. The Ultimate plan also offers primary coverage, as well as 24/7 access to travel assistance.

Trip Cancellation - Up To 100% of insured trip cost
Trip Interruption - Up to 150% of insured trip cost
Travel Delay - $2,000 ($250/day, 5 hours)
Missed Connection - Air & Cruise Only
Emergency Medical Expense - $250,0001 (3 hours) ($50,000 for NH residents)
Emergency Dental Expense - $500 (The following states have a $50 deductible: CT, IN, KS, MO, MT, VT, WA)
Baggage & Personal Effects - $2000
Baggage Delay - $500 (12 hours)
Exposure & Disappearance - $25,000

For more information, please view the product flyer for the Ultimate plan here.

How is the Ultimate plan different from other travel insurance plans?

The Ultimate plan offers travel insurance to all children 17 and under when accompanied by an insured adult with a 1:1 ratio. Please list the accompanying child when enrolling. If the child's trip cost exceeds the adult's trip cost, the child will be charged the corresponding plan cost. This plan also offers a Cancel for Business Reasons upgrade if the plan is purchased within 21 days of initial deposit, which offers coverage for certain work-related cancellation or interruption reasons, too.

Coverage for a pre-existing medical condition is also available if all requirements are met, including if you purchase the Ultimate plan within 21 days of the initial trip payment, are not disabled from travel at the time of plan purchase, the full trip cost is insured, and subsequent arrangements are insured within 21 days of their purchase. Additionally, the Ultimate plan offers customizable upgrades such as Additional Medical Coverage and Adventure Activities, if you're looking for a plan that's tailored to your vacation. Coverage is also offered for Coronavirus COVID-19 and named hurricanes.

How do I purchase Ultimate insurance?

Buying the Ultimate plan is quick and easy. Enter your travel details into the quote box - including your state of residence as well as your departure and return dates - and you'll receive a free, online quote instantly. From here, you have the option of choosing Ultimate as your travel insurance plan. Once Ultimate is selected, you'll also be able to customize your policy with any upgrades. By picking the Ultimate plan, you can travel more confidently.

Pre-Existing Medical Condition

What is a pre-existing medical condition?

A pre-existing medical condition is described as a sickness, disease or other condition that you have received medical treatment or been diagnosed within 90 days3 prior to purchasing your travel insurance policy. In some cases, it can also refer to conditions for which you take prescription medication, where the condition was uncontrolled or unstable with new changes within the 90-day3 lookback period.

If you have a medical condition for which there is a course of or recommendation for treatment, a diagnostic test or exam, or for which drugs or medicine are prescribed, it can be considered as "pre-existing".

What is not considered a pre-existing medical condition?

If you suffer from a medical condition that is treated or controlled solely through the taking of medication and it remains treated or controlled without an adjustment in medication during the 90 day3 period immediately prior to your trip, then it is not considered to be a pre-existing medical condition.

Look Back period varies by state

If you have any further questions concerning the plan’s coverage, Travelex's customer service team is happy to provide additional information.

Additional Medical Coverage

Why do I need Additional Medical Coverage?

While most destinations you'll visit on your vacations will have medical facilities, the costs for medical treatments vary from place to place. If you're planning to travel to a country or location that is known for higher medical costs, it's a good idea to consider including the Medical Upgrade in your policy. It can help protect you if an accident occurs and you're stuck with a hefty medical bill.

How is Additional Medical Coverage different from the Emergency Medical and Dental Expense benefits?

While the Emergency Medical and Dental Expenses benefits and the Medical Coverage upgrade offer coverage for the same type of unexpected incidents, the upgrade enables you to add an extra layer of financial protection to your trip. The Medical Upgrade includes an additional $250,000 in emergency medical expense coverage on top of what is already included in the Emergency Medical Expense benefit.

Adventure Activities

Why should I include the Adventure Activities upgrade in my policy?

While Travelex's Ultimate plan can provide coverage for certain sports and adventures, sometimes you might want to engage in activities that may be normally excluded from coverage. For trips that include activities such as diving beyond 75 feet, mountain climbing with the use of specialized equipment, or sightseeing by helicopter, you are able to add the Adventure Activities upgrade as part of the Ultimate plan to help ensure your activity is eligible for coverage. With this upgrade, you can follow your adrenaline rush with extra confidence.

Will I be eligible for coverage for any adventure activities without this upgrade?

Travelex's Ultimate plan offers coverage for certain activities. This includes scuba diving at a depth less than 75 feet, sailing, kayaking, biking, snorkeling, horseback riding, hiking, and more. If your next trip involves any extreme sports or adventures outside what is covered in the base plan, it is recommended that you consider adding the Adventure Activities upgrade to lift the exclusions on these activities.

COVID-19

Will I be eligible for trip cancellation?

A Travelex travel insurance plan can provide coverage for trip cancellation if you or a traveling companion test positive with a test conducted at a medical facility for coronavirus and must physically quarantine as a result, as certified by a physician. Additionally, if a non-traveling family member is diagnosed with the coronavirus and a physician determines the condition is life-threatening or they require your care, you will be eligible for coverage. Finally, if a business partner tests positive for the coronavirus and you must cancel your trip to assume daily management of the business, you are eligible for trip cancellation coverage. This diagnosis must be certified by a physician to receive coverage.

What if I contract coronavirus while traveling?

If you or a traveling companion contract coronavirus while traveling, and it is diagnosed by a physician, you could be eligible for trip interruption, travel delay, emergency medical and medical evacuation coverage. Trip interruption offers coverage for the unused portion of your prepaid non-refundable expenses as well as any additional transportation expenses you may incur to return home or re-join your trip. Travel delay offers coverage for reasonable additional expenses you may incur, such as hotel and meals, if a physician orders you to physically quarantine while on a trip and you are delayed by it. Emergency medical and evacuation offers coverage for medical expenses incurred while treating the coronavirus and emergency evacuation if medically necessary.

If I am traveling to a country which requires a coronavirus test when I arrive, what happens if I test positive?

Since Travelex is treating coronavirus like any other illness, if you were to arrive at your destination and test positive for the virus, you could be eligible for coverage. If a physician required you to quarantine, you would be eligible for trip interruption, travel delay, emergency medical and emergency medical evacuation coverage.

What type of coverage would I have if I am quarantined while on my trip?

If you test positive for coronavirus while traveling, you will want to follow the doctor's orders on where to quarantine. You may quarantine in either a hospital, hotel, or vacation rental while on your trip and still be eligible for up to the travel delay benefit limit to help reimburse additional hotel and meal expenses as well as emergency medical and emergency evacuation coverage.

How long will my policy extend coverage if I am required to quarantine?

Coverage will automatically extend up to seven days after your scheduled date of return or to the date you reach your return destination – whichever occurs first - and benefits will be paid up to the policy limits, as long as you return as soon as you are fit to fly or once your quarantine period is over.

How can travel assistance help if I test positive for coronavirus while traveling?

If you test positive for coronavirus while traveling, travel assistance can help you make arrangements to extend your hotel stay, locate alternate accommodations, make changes to your travel bookings and much more. If you are experiencing symptoms and would like to be seen by a physician, the Travel Assistance Provider can refer you to a local clinic, physician, or medical facility. They can also help you understand what benefits are available under your policy, particularly outside of Travelex office hours.

What does travel insurance not cover regarding coronavirus?

Travel insurance does not provide trip cancellation or interruption coverage for fear of travel, if your travel supplier cancels your trip due to coronavirus concerns, if a government issues a travel warning, restriction, or ban that prevents you from reaching your destination, or if your business issues a travel restriction. If you are required to show a negative COVID test prior to leaving your original destination, the cost of the test is not covered unless ordered by a physician because you are ill.

If you must cancel your trip for a non-covered reason, we encourage you to contact your travel suppliers to seek a refund. Travelex may allow you to apply the policy to another trip at a later date. Please contact Travelex Customer Solutions for further details on this option.

Hurricanes

If you're planning a vacation during hurricane season (typically June through November), you are wise to consider the risks and how to protect your travel investment. When conditions become favorable for a tropical storm – especially in locations around the Caribbean and Atlantic waters – the worry that your trip could be ruined is valid.

Does travel insurance offer coverage for hurricanes?

Travel insurance can provide coverage for trip cancellation, trip interruption and travel delay in the event of a hurricane or other named storm. When choosing a travel insurance plan with hurricanes in mind, it's important to consider the eligible reasons for trip cancellation, interruption and delay to make sure you have the coverage you need. Once a hurricane is a named storm, it becomes a foreseeable event. This means you can no longer purchase travel insurance and receive coverage for that storm.

What's the best travel insurance for hurricanes?

The best Travelex travel insurance plan for hurricanes is the Ultimate plan. With the Ultimate plan you can receive up to 100% of insured trip cost for trip cancellation and up to 150% for trip interruption in the event of a hurricane at home or at your destination. This means if your insured trip cost was $5,000, you could receive up to $5,000 for trip cancellation and $7,500 for trip interruption for unused trip costs or newly incurred transportation expenses. The Ultimate plan also has a travel delay benefit that can provide coverage in the event of a hurricane. If a hurricane causes you to be delayed for five consecutive hours and prevents you from reaching your destination, you can receive up to $2,000 ($250/day) to help pay for additional expenses caused by the delay, such as food and lodging.

With the Ultimate plan, eligible reasons for trip cancellation, interruption and delay due to a hurricane include:

• You or a traveling companion's primary residence becoming uninhabitable or inaccessible
• Your destination is made uninhabitable or inaccessible
• You or your traveling companion's company is deemed to be unstable for business and you or your traveling companion are directly involved on the disaster recovery team

When should I buy travel insurance for a hurricane?

The best time to buy travel insurance to be eligible for protection from hurricanes is as soon as you make your first trip payment. This will help ensure you are protected from unforeseeable events such as hurricanes that have yet to occur. Once a hurricane is a named storm, it becomes a foreseeable event. This means you can no longer purchase travel insurance and receive coverage for that storm.

What is not covered?

A common reason a hurricane (or other storm) would not be covered by travel insurance is the timing. You must purchase your travel insurance plan prior to the tropical storm/hurricane becoming a named storm. Additional reasons for a hurricane not being covered will vary depending on the specific travel insurance plan. When deciding between plans, it's important to consider the eligible reasons under the trip cancellation, interruption and delay benefits for each plan to make sure you're receiving the coverage you need. If you're planning a vacation during hurricane season, weather can be unpredictable. It helps to know what to expect when traveling to hurricane-prone places like the Caribbean. Purchasing travel insurance early can help alleviate risk and allow you to travel confidently.

Unless otherwise stated in the plan, this plan will not pay for any loss arising directly or indirectly out of, or as a result of, or from, or that occur to, or are as a result of the actions of, the Insured or the Insured’s Family Member, or Traveling Companion, or Business Partner for the following: suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane (while sane in CO and MO); mental, nervous, or psychological disorders; being under the influence of drugs or intoxicants, unless prescribed by a Physician; Normal Pregnancy, resulting childbirth, and elective abortion; participation as a professional in athletics while on a Covered Trip; participation in organized amateur or interscholastic athletic or sports competition or related practice events; riding or driving in any motor competition; off-road driving, whether as a driver or as a passenger; declared or undeclared war, or any act of war; civil disorder; service in the armed forces of any country; nuclear reaction, radiation, or radioactive contamination; operating or learning to operate any aircraft, as pilot or crew; mountain climbing, bungee jumping, snow skiing, skydiving, Parachuting, free falling, cliff diving, BASE or base jumping, hang gliding, parasailing, travel on any air-supported device other than on a regularly scheduled airline or air charter company, or extreme sports; mountaineering where ropes or guides are commonly used, including ascending and descending a mountain requiring specialized equipment that includes but is not limited to anchors, bolts, carabiners, crampons, lead/top-rope anchoring equipment, and pick-axes; scuba diving if the depth of the water exceeds 75 feet; the Insured’s commission of or attempt to commit a felony; elective medical or holistic treatment or procedures; failure of any tour operator, Common Carrier, other travel supplier, person, or agency to provide the bargained-for travel arrangements/services; a loss that results from a sickness, disease, or other condition, event, or circumstance that occurs at a time when this Policy is not in effect for the Insured; a diagnosed sickness (if insurance is purchased after such diagnosis) from which no recovery is expected, and that only palliative treatment is provided, and that carries a prognosis of death within 12 months of the effective date of the applicable coverage under this Policy; sickness, injury, or death if the plan is purchased after entering a hospice facility or receiving hospice treatment; any Trip taken outside the advice of a Physician; or a Pre-Existing Condition, including death, that results therefrom (within the stated look-back period within your insurance policy). Additionally, this plan will not pay for any loss arising directly or indirectly out of, or as a result of, or from, or that occur to, or are as a result of the actions of the following that occur to the Insured: any amount paid or payable under any Worker’s Compensation, disability benefit, or similar law; a loss or damage caused by detention, confiscation, or destruction by customs; or medical treatment during a Covered Trip, or arising from a Covered Trip, undertaken for the purpose or intent of securing medical treatment. The following additional exclusion applies to Accidental Death and Dismemberment Benefits: We will not pay for loss caused by or resulting from sickness of any kind. Please refer to your plan documents for a complete list of plan exclusions and limitations, as well as the definitions of capitalized terms used herein.

This plan provides insurance coverage for your trip that applies only during the covered trip. The purchase of this product is not required in order to purchase any other travel product or service. Your travel retailer might not be licensed to sell travel insurance and will only be able to provide general information about the product. An unlicensed travel retailer may not answer questions about the terms and conditions of the insurance offered and may not evaluate the adequacy of your existing insurance coverage. The products being offered provide insurance coverage that only applies during your covered trip. You may have insurance coverage from other sources that provides similar benefits but may be subject to different restrictions, depending on the coverage. You may wish to compare the terms of the travel policy offered through Travelex with any existing life, health, home, and automobile insurance policies you may have. If you have questions about your coverage under your existing insurance policies, contact your insurer or insurance agent or broker.

All terms, conditions, exclusions, and provisions of the policy discussed, reviewed, quoted, or purchased apply. All benefits associated with the policy will be determined by the claims administrator at the time a claim is filed, based on the information and documentation submitted. All information collected by Travelex is subject to its privacy policy at TravelexInsurance.com/company/privacy.

Any inquiry regarding claims may be directed to Zurich Travel Claims Administration at Support@ZurichTravelClaims.com; P.O. Box 1019, Youngwood, PA 15697-0919; or +1-800-501-4781. Inquiries regarding new, existing, or denied claims and any other claims questions may also be directed to this address. Consumers in California may also contact the California Department of Insurance Hotline at +1-800-927-4357 or +1-213-897-8921. Travelex Insurance Services, Inc. CA agency license #0D10209. Consumers in Maryland may contact the Maryland Insurance Administration at +1-800-492-6116 or +1-410-468-2340.

Insurance coverage underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company (NAIC #16535, state of domicile: New York), 1299 Zurich Way, Schaumburg, IL 60196. Certain coverages not available in all states. The terms and conditions of the policy described in this brief summary are governed by the individual policy document that contains the complete terms. In the event of any discrepancy between the information in this brief summary and the policy, the policy document shall govern. This is intended as a general description of certain types of insurance available to qualified customers, provided solely for informational purposes. LIQWEB. Policy Form Series U-TIIV-100-A CW, U-TIIN-100/110-A CW, U-TIGV-100-A CW; U-TIGN-100-A CW; in DC U-TIIV-100-A DC & U-TIGV-100-A DC; in IN U-TIIN-100/110-A IN & U-TIGV-100-A IN; in KS U-TIIN-110-A KS; in MN U-TIIV-100-B MN & U-TIGV 100-B MN; in MO U-TIIN-110-A MO; in MT U-TIIN-100/110 MT & U-TIGN-100-A MT; in NH U-TIIV-100-A NH; U-TIIV-101-B NY, U-TIIN-100 NY; in OR U-TIIV-100-A OR; in VA U-TIIV-100-A VA and U-TIGV-100-A VA; in VT U-TIIN-100/110-A VT and U-TIGN-100-A VT.