Travel insurance FAQs: get to know our Travelex coverage

We want everyone to be able to travel, and we don’t want your concern about coverage for an existing condition to stop you from booking your next trip. That’s why we offer coverage for pre-existing medical conditions on our Ultimate plan.

If you purchase our Ultimate plan within 21 days of your first trip payment, insure your full trip cost, and you’re medically fit to travel at the time of purchasing the Ultimate plan, we’ll waive the pre-existing medical conditions exclusion. This means you’ll have coverage for the scenarios outlined in the policy, so be sure to read it before you buy. Exclusions on pre-existing conditions don’t apply to NH residents.

Want to know more? Visit our emergency medical coverage page.

Yes! If you buy our Ultimate plan and include our cancel for any reason upgrade with your initial plan purchase, we can provide coverage if you meet the requirements below. With this upgrade, we can reimburse you up to 75% of your insured trip costs (up to $7,500) if you cancel your trip two days or more before your scheduled departure date.  

Requirements: 

To get our Travelex Insurance cancel for any reason coverage, the following must apply: 

• -You insured all your non-refundable trip expenses in your plan and your trip cost is no more than $10,000.
• -You purchased the upgrade 31 days or more before your departure date.
• -You purchased the Ultimate plan and cancel for any reason upgrade at the same time within 21 days of your initial payment for your trip.
• -Subsequent arrangements were insured within 14 days of booking those arrangements. 

Note: Cancel for any fortuitous reason in NY.

If you purchase one of our comprehensive plans (Essential, Advantage, or Ultimate), your pre-trip cancellation coverage starts at 12:01 a.m. the day after plan purchase. Your other on-trip benefits start the day your trip is scheduled to begin. 

If you purchase our Travel Med Go, Flight Insure, or Flight Insure Plus plans, your coverage starts at 12:01 a.m. Central Time on your scheduled departure date. This is because these three plans provide on-trip coverage only, not pre-trip cancellation coverage. 

If you plan to visit multiple countries on your next trip, you should list your destination as the location where you’ll be spending the most time.

For example, if you’re going to Europe and plan to visit France for three days, Germany for four days, and Italy for six days, you’d enter “Italy” as your destination. 

You can also select a region as your destination, such as Europe, South America, and Asia.

Primary coverage means we’re the first ones to reimburse your emergency medical expenses — rather than your health insurance company — if we accept your medical-related travel insurance claim.

Primary plans pay out from the first dollar owed. Plus, the biggest benefit of having primary coverage is the speed of reimbursement. With primary coverage, you typically receive reimbursement on eligible losses first, before any other collectible policy.

Our plans that include primary coverage are Ultimate, Advantage, Travel Med Go, and Flight Insure Plus. Our Essential plan does not include primary coverage (except for Connecticut residents).

If you have medical expenses while traveling, secondary (or “excess”) coverage means you’ll need to file a claim with your health insurance provider first. Then, you can file a Travelex claim for potential reimbursement for the remainder. 

Our Essential plan offers secondary coverage (except for Connecticut residents). This can be a great supplemental medical expense option to help cover out-of-pocket copays and deductible expenses not eligible for coverage with your primary health insurance.

At Travelex, our plans have review periods during which you can cancel your policy. If you no longer want your policy, it’s within the first 21 days after purchasing and you haven’t departed or filed a claim, we can refund your policy cost. The review period varies by state. 

Trips don’t always go according to plan. And if something unexpected happens while you’re traveling, our plans can reimburse you for eligible unexpected costs.

For example, if you have a flight cancellation or delay, medical emergency, or lost baggage, your travel insurance coverage can help cover any unforeseen additional costs according to the terms of your policy.

Plus, when you buy a Travelex policy, you’ll have access to our 24/7 travel assistance and Travel On app, which can send you real-time safety alerts, tell you about your destination, and more.

Want to learn more? Check out our comprehensive travel insurance plans and benefits.

It's a good idea to purchase a travel insurance plan as soon as you’ve made the first payment for your trip. The earlier you purchase, the sooner you have trip cancellation coverage in place to help protect your trip investment.

Plus, depending on when you purchase your travel insurance policy, you might get extra benefits. For example, if you buy our Ultimate plan within 21 days of your first trip payment, insure your whole trip cost, and are medically fit to travel, we can include coverage for your pre-existing medical conditions.

We want you to travel far and see the world, then come home safely. That’s why our travel insurance can cover you in all domestic and international locations without OFAC sanctions. (Countries with OFAC sanctions likely aren’t safe for visitors, so we’d rather you chose another destination.) We also can’t cover any countries listed on our blocked destinations page.

Yes. We know you want to travel with your favorite items, so we want to help protect them.

If your baggage, personal effects, or travel documents are lost, stolen, or damaged, we can reimburse you for replacements up to the limit shown in your policy.

Want extra baggage coverage? If you buy our Essential, Advantage, Ultimate, or Travel Med Go plans and purchase our baggage upgrade, you can increase your baggage coverage to the plan limit shown. This upgrade is great if you’re taking higher value items like smart phones — or the total value of your baggage is higher than the limit offered by our base plans.

To learn more about how we can protect your belongings, visit our lost, stolen, or delayed baggage page.

The cost of your travel insurance policy can depend on many different details that are unique to you and those traveling with you. For example, your trip cost, state of residence, trip length, and age. Each of our plans and upgrades also have different pricing based on the coverage they provide. 

Traveling with children? Our Ultimate plan offers kids-included pricing. One child aged 17 and under is eligible for coverage at no additional cost on the base plan per each insured adult, as long as the child’s trip cost is equal to or less than the adult’s.

Want more information on how much travel insurance costs? Check out our article on seven factors that impact your policy cost.

Lots of credit cards include travel insurance coverage, but the coverage often has lower benefit amounts than you’ll receive directly from a travel insurance provider like us. They also often include special conditions you must meet to activate your coverage.

Comprehensive travel insurance from a specialized provider can give you more coverage with a variety of important benefits — and more confidence away from home. Plus, when you choose to travel with a Travelex policy, you’ll have our 24/7 travel assistance team to lean on during your vacation.

Your U.S. health insurance likely won’t cover medical treatment in other countries. You’ll have to pay out of pocket if something happens while you’re away from home, and medical care can be costly overseas. So, it’s important to consider travel insurance — especially for international vacations.

Travel insurance protects you from the unexpected and can reimburse you for unexpected costs from eligible travel mishaps. For example, if you have a Travelex policy and you have an eligible travel delay, you can recoup the expenses for things needed during the delay, like lodging and meals.

To purchase our travel insurance, visit our homepage and enter your destination to start your quote. If the plan you select is eligible for optional upgrades, you can add the upgrades shown to your plan.

If something goes wrong during your insured trip, you can contact our 24/7 travel assistance team for help with many situations.

Need to make a claim for reimbursement? You can easily submit a claim online.

If you have any additional questions, feel free to contact our award-winning customer service team:

• -Phone: 1-800-228-9792 (8:00 a.m. to 7:00 p.m. CT, Monday - Friday)
• -Email: [email protected]

We can’t cover absolutely everything that may go wrong on your trip. For example, we won’t cover events that were known at the time of plan purchase or were predictable. You also need to have taken steps to reduce risk during your vacation. Each of our plans is different, so it’s important to check the exclusions in your policy before departing on your trip.

Compared our plans and coverage and decided a Travelex plan is right for your vacation? You can purchase a Travelex travel insurance policy online at any time of day or night. Simply get a quote by sharing your trip details, and then you can purchase your Travelex policy online once you’ve selected your plan and any available upgrades.

Want to speak to our customer service team? We’re here to help.

You can reach our customer service department at 1-800-228-9792 from Monday to Friday, 8:00 a.m. to 7:00 p.m. CT.

If you need to change certain details on your policy (such as your trip dates or the spelling of your name), you can either make a policy change online or call our customer service department at  1-800-819-9004 from Monday to Friday, 8:00 a.m. to 7:00 p.m. CT.

Yes. After you buy your policy, you’ll receive your Confirmation of Coverage and applicable plan policy and description of coverage via email. The Confirmation of Coverage will include policy information such as your confirmation number, policy effective date, benefit levels, and important contact information. The policy and description of coverage will provide plan details including benefits, conditions, limitations, and exclusions.

You should take these documents with you while you travel in case of an emergency. If you download our Travel On app, you’ll have easy access to certain coverage details, including your confirmation number.