Travel Insurance Checklist

Here’s what you’ll need:

Your destination
If you’ll be visiting more than one destination, please select the destination you will spend the most time at or your first destination. This is important because there are certain U.S. sanctioned countries where insurance benefits may not be paid.

Travel dates
This should be the date you leave your house and the date you return home. For example, if you are staying at a hotel the night before your flight, you’ll want to include the night in the hotel as a travel day in case you have to cancel for a covered reason.

Cost of your trip
The cost of your trip will need to be entered per traveler as shown on your invoice. For example, if a child’s portion is less expensive their trip cost should reflect that. However, if the cost is not listed per person on an invoice you can split that cost evenly amongst the travelers. Your trip costs should include all expenses you pay for before you leave home. This could include any of the following:

• Any non-refundable deposits
• Pre-paid hotel and lodging expenses
• Train and airline tickets
• Cruise line tickets
• Deposits for excursions
• Car rentals
• Other transportation expenses

Initial payment date
This is the date that you made your first purchase for your vacation. This should be the date you first paid for any non-refundable part of your trip. This could be when you first booked your flight, cruise, or any entertainment expenses for your trip.

Date of birth
The date of birth for all travelers on your policy. Some of our policies use the number of travelers and their age(s) to determine the price of your policy, so it’s important to have this information.

Things to be aware of:

Traveling Companions
It is generally simplest to separate policies by household, though in some cases separate households can be on the same policy if they are in the same state. If you are traveling with someone outside of your state, they’ll need to purchase their own policy. However, they will still count as your traveling companion for coverage purposes.

Modifications
Policies provide additional benefits when you purchase your insurance early. It may be in your best interest to purchase your travel insurance policy as soon as you make the first payment towards your trip.  You can modify your policy as additional components to your vacation are booked and paid for. If you need to add additional coverage or adjust any of the items above, you can do that easily with our online modification form.

If you have more questions about what you will need for a quote or to purchase a policy, visit our website or call our World Service Center at 800-826-7791.