FAQs

Travel Insurance covers unforeseen issues that may occur before or during your trip. It can protect you from losing your monetary investment if you have to cancel your trip within the penalty period where travel suppliers and tour operators keep your non-refundable deposits. It also provides coverage for other problems that you may face during your trip, such as lost, stolen, or damaged baggage, reimbursement of medical expenses and expenses incurred to evacuate you back to your home and more.

You can purchase Travel Insurance as a safety net to help protect yourself in case unexpected events negatively impact your travel plans. It works quite similarly to other insurance policies in the following ways:

We recommend that you purchase your plan soon after making your initial trip payment to be eligible for the most coverage, but you must purchase travel insurance before anything actually happens to disrupt your trip.

To understand exactly what the policy will cover and what it won’t, you must read your chosen policy carefully before buying it.

If there is a problem and you need to file a claim, you’ll have to provide documentation of your issue, such as receipts or police reports.

Like most other forms of insurance, Travel Insurance works on a reimbursement basis. That means you’ll have to pay your own costs up front, then be reimbursed by the company once they’ve approved your claim.

These plans do have time sensitive benefits, so we recommend that you purchase the policy right after making your initial trip payment. To receive the most benefits, you must purchase it within 14 days after making your initial trip payment. Time sensitive benefits include the Pre-existing conditions waiver, Financial Default and optional Cancel for Any Reason depending on the plan you are reviewing.

The standard plan is available for purchase up to 30 days prior to the start date of your trip. If you are booking travel to start within the next 30 days, you can purchase standard travel insurance as long as it is purchased within 5 days of your reservation (initial payment).

Cancel For Any Reason (CFAR) is only available for purchase within 14 days of your initial payment of your booking and for stays starting more than 30 days out. CFAR is not available for travel starting less than 30 days.

It is recommended that travel protection is purchase right after making the first payment toward any part of your trip so that you are eligible for the most benefits. If you wait to purchase your plan, you run the risk that something will happen (health, accident, death in family, etc) before the policy goes into effect. Once an event happens, you can not insure against it. Also, pre-existing health conditions are included in any policy purchased within 14 days of your booking, thereafter pre-existing health issues are excluded.

No, these policies cannot be purchased once you have already departed on your trip.

Standard travel protection protects against 30+ different events that may cause you to cancel or interrupt your travel plans for which you could receive 100% reimbursement up to your selected coverage maximum. These events are wide ranging and includes things like illness, weather, accidents, family death, job change, jury duty, travel delays and more. Please reference the policy for specifics.

Cancel For Any Reason (CFAR) coverage adds the flexibility to cancel for a reason not covered by the standard policy. It includes all the benefits of the standard policy (100% reimbursement) PLUS the ability to cancel for a non-covered reason at 60% reimbursement.

Standard travel protection is available for purchase up to 30 days prior to your travel start date. Within 30 days, it is only available if purchased within 5 days of the day that you make your travel plans as indicated by your initial payment date.

Cancel For Any Reason (CFAR) is only available for purchase within 14 days of initial payment for travel. CFAR is not available for purchase for last minute travel as defined by a travel start date within the next 30 days.

The best time to purchase travel protection is at the time of booking. The policy takes effect at midnight of the purchase date and protects against a number of events that could impact your travel plans. While you have up to 30 days before your travel start date to purchase a standard plan, it will not provide protection for any event once the event has taken place. In other words, if a health issue, accident or another event takes place that will impact travel, you can’t expect to have coverage for that event by purchasing travel protection after the fact.

The Nationwide Prime Plan will reimburse you up to 60% of your prepaid, forfeited, non-refundable payments or deposits you paid for your trip. All requirements, listed in the plan certificate, must be met in order to be eligible for this benefit.

When viewing your quote, click on the "View sample of certificate of Insurance."

Yes, sickness due to contracting the virus and quarantine are both covered events.  Fear of traveling to an area due to concern over COVID levels are not.

On January 23, 2020, the United States State Department issued a travel warning not to travel to China due to the Coronavirus. The World Health Organization declared the Coronavirus a Global Health Warning on January 30, 2020. As a result, the Coronavirus is no longer an unforeseen event for travel to China starting on January 24th, 2020, and for travel worldwide starting on January 31st, 2020.

This means the STANDARD Nationwide travel insurance policy does not provide trip cancellation nor trip interruption coverage as it relates to this known event for policies purchased after those dates. Cancellations of common carriers (airlines, cruise ships, etc) due to the virus would not be a covered event.

The first thing to understand is that a standard travel insurance policy will not protect you from canceling a trip out of fear.  Fear has never been a covered event. This means if you cancel your travel plans out of fear of getting sick, it is not, nor has it ever been a covered event under a travel policy.

Only in the case of contracting the virus or being quarantined for direct exposure could benefits apply for losses arising out of the Coronavirus pandemic with standard travel protection. A physician would need to advise against travel.

For the greatest flexibility, consider Cancel For Any Reason (CFAR) coverage as it will provide protection for Coronavirus by the vary nature that you can cancel for any reason.  CFAR includes all of the coverages that a standard policy includes and will provide 100% reimbursement for a covered event and 60% reimbursement should you cancel for a non-covered event.  CFAR coverage is only available for purchase within 14 days of your travel deposit and cancellation must be 48 hrs or more in advance of the scheduled start date of your travel. CFAR coverage is not available for travel beginning within 30 days. Standard coverage is available for travel beginning less than 30 days if purchase at the time of booking.

The Initial Trip Payment Date is the date that money first exchanged hands for the trip you are insuring.

Yes, if you are unable to ski due to 50% or more of the trails being closed for 24-hours or more, either for no snow or stormy weather, you will be reimbursed for the value of your ski lift tickets for each day the trails are closed.

Yes, if your clubs are lost, stolen or delays (12+ hours) we will cover the reasonable cost of renting sports equipment.

No, you do not have to wait until the flight is booked. The policy should be purchased within 14 days of the initial trip payment in order to get the Pre-existing condition waiver and other time sensitive benefits.

Besides providing coverage for trip cancellation and interruption, these plans include reimbursement due to trip delays, emergency medical expenses, baggage, emergency medical evacuations, accidental death and dismemberment, along with other assistance services and benefits.

Yes, if during your trip, a politically motivated Terrorist Attack occurs within a 50 mile radius of the city for which you are registered and the US government issues a travel warning indicating that Americans should not travel to a city named on the itinerary.

To figure the insurable cost of your trip, add together the cost of all your prepaid non-refundable travel expenses.

Yes, our plans cover your prepaid and non-refundable expenses for travel arrangements that you make on your own.

Yes. These plans may provide reimbursement of your prepaid non-refundable costs of a villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Trip cancellation or interruption must be due to a peril named in the policy.

Coverage is available for travel up to a maximum of 90 days.

Two products are offered; a standard travel policy and a Cancel For Any Reason (CFAR) policy.  The cost of the policy is determined by the amount of coverage you are seeking.  The standard policy is 7% of the coverage amount and CFAR (which includes standard) is 10.8%.  The maximum coverage is $100,000.

A Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which the insured, Traveling Companion, Family member booked to travel with the insured: 1) exhibited symptoms which would have caused one to seek care or treatment; or 2) received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition which is treated or controlled without any adjustment or change in the required prescription through the 60-day period before the Effective Date.

The Pre-Existing Condition exclusion is be waived if coverage is purchased within the initial 14 days of making your initial trip deposit. Please read the full Certificate of Insurance prior to purchase for a complete definition of when the waiver applies.

Trip Cancellation coverage begins at 12:01 A.M. on the day after the date the plan payment is received. All other coverages begin when you depart on your covered trip.

The plan can reimburse you up to the maximum coverage amount for unused, non-refundable, prepaid travel costs if you are prevented from taking your trip due to one or more covered events listed in your Description of Coverage or Policy.

You can send an email to customercare@protectionbrands.com to make changes to your policy. Please include your order number on all email correspondence. If you prefer, you can call us with your changes at our toll free number 877 248-1275.

You should receive an email confirmation which contains a link to your policy. If you do not receive this email, please check that is was not automatically filtered into any spam or junk mail folders. If it is not in one of those folders, you can contact our Customer Service Department at customercare@protectionbrands.com or at our toll free number 877 248-1275, and we will resend the email which contains a link to the policy.

All cancellation requests must be made in writing. An email can be sent to customercare@protectionbrands.com to request cancellation. Please see the review period for your policy as some states do not offer refunds after purchase. If you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total cost minus a $6 non-refundable processing fee on the Standard plan, and an $8 non-refundable processing fee on the Cancel For Any Reason (CFAR) plan.

There is a non-refundable processing fee of $6 for the Standard plan and $8 for the Cancel For Any Reason (CFAR) plan. If you are canceling your policy during the review period and are eligible for a refund, you will be refunded the premium paid minus the processing fee.
Some states do not offer a premium refund after purchase. Please see quoted plan for details.

The first step when filing a claim is to call the CBP Claims Department at 888-490-7606. A representative will send you the correct claim form and advise you of any supporting documentation that must be submitted with the claim. The type of claim being filed e.g. trip delay, trip cancellation, baggage delay, will determine the additional information needed. All documentation requirements are listed on the applicable claim form. Claims can be submitted via the US mail, fax, or through email.

Mailing Address: Coordinated Benefits Plans, P.O. Box 26222, Tampa, FL 33623

Fax number: (833) 610-0736

Email: NWTravClaims@cbpinsure.com

If submitting the claim via the email, you will receive a confirmation email that the claim was received. Regardless of the manner of claim submission, please allow 15 business days for review of your claim. If additional information is needed, you will be contacted by a CBP claim examiner.

The little red #2 notes that the coverage will be secondary to any primary coverage you may have. For some states, the order in which benefits will be paid may be determined in accordance to a Coordination of Benefits clause if you are eligible for benefits under more than one policy. Please see your policy for more details.

If you have already purchased a travel insurance plan but now have additional trip cost to insure, our Customer Care Agents are able to assist you over the phone to increase the cost of the trip that you are insuring. Adding trip cost to your plan may result in a premium increase. There are some coverages that are time sensitive so you should add any additional trip cost as soon as you make that payment.

The Primary Destination is the location where you are going to spend a majority of your time while on your trip.

Yes, you can view all coverage details by clicking the underlined terms on your quoted plan. To review the full policy, click the Full Details link.