Travel Insurance

Protect Your Next Adventure: Travel Insurance Options

We all look forward to our vacations—a well-deserved opportunity to rest, relax, and recharge. However, life doesn’t always go according to plan. Unexpected events can force you to change or cancel your travel arrangements, and while missing a trip is disappointing, losing your hard-earned investment is even worse.

We have partnered with leading travel insurance providers to offer comprehensive protection plans tailored to your needs. Depending on the plan selected, your coverage may include:

‣ Trip Cancellation: Protect your non-refundable costs if you must cancel for a covered reason.
‣ Trip Interruption: Coverage for unused, non-refundable trip costs if your trip is cut short.
‣ Medical Expenses & Emergency Evacuation: Essential protection for accidents or illnesses while traveling.
‣ Baggage Loss & Delay: Reimbursement for lost, stolen, or delayed luggage.
‣ Cancel For Any Reason (CFAR): Maximum flexibility for when plans change.
And much more.

Frequently Asked Questions

Q: What is considered “Trip Cost”? Your Trip Cost is the total, non-refundable price of your tour, including all pre-paid arrangements like airfare, hotels, and excursions.

Q: When should I purchase my policy? We highly recommend purchasing your policy as soon as you pay your initial trip deposit. Many essential benefits—including the Pre-Existing Condition Waiver and the “Cancel For Any Reason” (CFAR) upgrade—are only available if your application and payment are received within a strict window (typically 7 to 15 days) following your first trip payment.

Q: What happens if the tour vendor cancels my trip? If your trip is cancelled by the vendor, your insured trip costs will be reimbursed according to the policy terms.

Q: How does the “Cancel For Any Reason” (CFAR) option work? If you select the CFAR upgrade during the initial purchase window, you will be reimbursed for up to 75% of your prepaid, non-refundable trip costs if you choose to cancel for a reason not covered by the standard policy. Please contact us for specific terms and conditions.

Q: How is the insurance premium determined? Your premium is calculated based on several factors, primarily the total cost of your vacation and the level of coverage selected. Depending on the specific policy chosen, traveler age may also be a factor in determining the final rate. Please refer to the rate table below for examples.

Trip Cost	Base	CFAR
$1 – $2,000	$183.98	$216.63
$2,001 – $3,000	$227.45	$281.23
$3,001 – $4,000	$270.38	$344.63
$4,001 – $5,000	$313.22	$408.43
$5,001 – $6,000	$371.85	$494.31
$6,001 – $7,000	$439.52	$598.51
$7,001 – $8,000	$492.77	$676.51
$8,001 – $9,000	$531.75	$734.42
$9,001 – $10,000	$604.09	$846.71
$10,001 – $11,000	$660.06	$929.49
$11,001 – $12,000	$700.31	$990.94
$12,001 – $13,000	$745.22	$1,059.45
$13,001 – $14,000	$806.18	$1,154.34
$14,001 – $15,000	$850.29	$1,222.03
$15,001 – $16,000	$890.57	$1,283.58
$16,001 – $17,000	$934.68	$1,351.28
$17,001 – $18,000	$978.63	$1,418.75
$18,001 – $19,000	$1,022.68	$1,486.38
$19,001 – $20,000	$1,066.74	$1,554.03
$20,001 – $21,000	$1,110.91	$1,621.80
$21,001 – $22,000	$1,154.77	$1,689.18
$22,001 – $23,000	$1,198.97	$1,756.97
$23,001 – $24,000	$1,242.92	$1,824.51
$24,001 – $25,000	$1,287.02	$1,892.12
$25,001 – $26,000	$1,326.48	$1,952.29
$26,001 – $27,000	$1,370.55	$2,019.95
$27,001 – $28,000	$1,414.55	$2,087.48
$28,001 – $29,000	$1,458.63	$2,155.14
$29,001 – $30,000	$1,502.66	$2,222.77

Note: These example rates are based on our standard plan; specific premiums may vary based on policy selection

Don’t Miss Your Insurance Window

Timing is critical. To qualify for the best coverage—including Pre-existing Condition Waivers and Cancel for Any Reason—most policies must be purchased within 7 – 14 days of your initial trip payment (airfare or deposite).

Don’t wait until it’s too late to secure your investment.