Why Purchase Travel Insurance?
The Sooner You Purchase Trip Cancellation Insurance, The Sooner You Protect Your Investment
Travel plans can be unpredictable, and unexpected events—such as illness, family emergencies, or natural disasters—can occur before departure. The earlier you purchase trip cancellation insurance, the sooner your non-refundable deposit and installments are protected. Many policies offer coverage for unforeseen circumstances that arise after you’ve booked but before you leave, ensuring you don’t lose your investment if you need to cancel for a covered reason.
Should I Purchase Travel Insurance?
Yes, we highly recommend it. Travel insurance protects your investment from unexpected cancellations, medical emergencies, trip delays, lost baggage, and more. While we do everything we can to provide a smooth travel experience, unforeseen circumstances—such as illness, severe weather, or travel disruptions—can arise. Having insurance ensures you’re covered financially if the unexpected happens.
Types of Travel Insurance
What Is Comprehensive Travel Insurance?
Comprehensive travel insurance provides broad protection for a range of travel-related risks. A typical policy includes:
- Trip Cancellation & Interruption Coverage – Reimburses you for pre-paid, non-refundable trip costs if you need to cancel or cut your trip short due to a covered reason.
- Emergency Medical Coverage – Covers medical expenses if you become ill or injured while traveling.
- Emergency Medical Evacuation – Covers the cost of transporting you to a hospital if necessary.
- Baggage & Travel Delay Coverage – Provides reimbursement for lost luggage and additional expenses if your trip is delayed.
- Cancel for Any Reason (CFAR) Add-On – Optional upgrade that allows you to cancel for any reason and still receive partial reimbursement.
What Is Trip Cancellation Insurance vs. Medical Travel Insurance or Flight Insurance?
- Trip Cancellation Insurance: Covers pre-paid, non-refundable trip expenses (such as flights, hotels, and tours) if you need to cancel for a covered reason (e.g., illness, injury, or extreme weather).
- Medical Travel Insurance: Provides coverage for medical emergencies while traveling, including doctor visits, hospital stays, and medical evacuation.
- Flight Insurance: A more limited policy that only covers flight-related issues, such as trip delays, missed connections, or accidental death and dismemberment. It does not cover trip cancellation or medical expenses.
Purchasing Travel Insurance
Can I Purchase Travel Insurance if I Don’t Have Plane Tickets?
Yes! You can purchase travel insurance before booking your flights. In fact, it’s often recommended to buy coverage early, especially if you want Cancel for Any Reason (CFAR) protection, as there are time-sensitive benefits that must be purchased soon after your initial trip deposit. When you do book your flights, you can update your policy with the correct details.
Should I Buy Travel Insurance if the Trip Has Not Been Confirmed?
Yes, especially if you want CFAR coverage or other time-sensitive benefits that must be purchased shortly after making your initial deposit. Even if your trip details change, you can typically adjust your policy. However, if your trip is later canceled, the cost of your insurance policy is generally non-refundable But should be fully transferable.
If the Trip Is Not Confirmed, Will I Get a Refund From Travel Insurance for My Policy?
Most travel insurance policies are non-refundable once purchased. However, some providers offer a credit to transfer your premium to a future trio. Many also offer a free look period (usually within 10-15 days of purchase) during which you can cancel for a full refund if you haven’t made a claim or traveled yet. Always check the policy terms before purchasing or email customer service of travel insurance service directly to get the answers to your questions in writing.
Cancel for Any Reason (CFAR) Insurance
What Is CFAR?
CFAR (Cancel for Any Reason) is an optional add-on that allows you to cancel your trip for any reason and still get reimbursed for a portion of your trip cost (typically 50-75%). It must be purchased within a specific window (often within 14-21 days of making your initial trip deposit) and comes with conditions, such as canceling at least 48 hours before departure.
Comparing Travel Insurance & MedJet
What Is the Difference Between MedJet and Travel Insurance?
- Travel Insurance covers trip cancellation, medical expenses, lost baggage, and other travel-related risks.
- MedJet is a medical transport membership that does NOT cover trip cancellation but provides medical evacuation to your home hospital of choice if you are hospitalized while traveling.
For full protection, many travelers purchase both—MedJet for medical transport and a travel insurance policy for everything else.
Getting Help with Travel Insurance
I Have Questions About Different Insurance Policies and Plans, Can You Help Me?
Yes! While we are not insurance agents, we can provide general guidance and recommend reputable travel insurance providers. We encourage you to carefully review policy details and contact the insurance company directly for specific questions about coverage.
If I Have to Cancel for a Covered Reason, Who Reimburses Me? The Insurance Company or Green Edventures?
If you cancel for a covered reason, the travel insurance company will reimburse you according to your policy terms. Green Edventures does not provide refunds beyond our stated cancellation policy. Travel insurance helps protect your financial investment by reimbursing non-refundable trip costs when unexpected events occur.
Where can I buy comprehensive insurance?
There are many options available online using a internet search engine.
Comprehensive travel insurance is also available on our website at the link below: