Travel Protection
Why purchase travel insurance?
Even with the most meticulous planning, travel can be full of surprises. Here are just a few situations that could arise, forcing you to forfeit your funds if you are not protected.
- You get sick just before traveling or while on tour.
- A family emergency comes up the day before you're due to depart.
- A severe storm causes your flight to be grounded, and now you'll miss part of your itinerary.
- Your bags get lost, misrouted or damaged in transit.
- You get food poisoning or sprain an ankle while on tour.
When you purchase a travel insurance plan, you can enjoy your trip knowing that you have protection against many unforeseen circumstances.
Why Choose Travel Protection by Travelex?
- If you purchased the plan prior to July 1, 2024, please see this page.
For your convenience, we offer a travel insurance plan provided by Travelex Insurance Services, one of the most respected names in the industry, which you can add to your booking. The plan is available to anybody with a primary residence in the United States, excluding overseas territories. Travelex is one of the few travel insurance providers offering coverage in Cuba. We offer competitive, wholesale rates.
Basic Protection Plan: Benefits include coverage for trip cancellation for a covered reason, interruption or travel delays, missed connections, medical emergency expenses and evacuation, lost or delayed baggage, and more. The maximum covered trip cost is $15,000 per person.
Basic Protection Plan with Cancel for Any Reason Option: This upgrade includes all the benefits of the Basic Protection Plan, plus the Cancel for Any Reason option which allows you to cancel your covered trip, at least 2 days prior to departure, for ANY reason not covered by our Basic Protection Plan, and get reimbursed for up to 75% of all non-refundable trip costs. The maximum covered trip cost is $10,000 per person.
Policy, Benefits & Coverage
Click below for the full policy coverage terms and details, including limitations and exclusions, as well as contact information for emergency travel assistance and instructions on how to make a claim. We recommend you print this document and carry it with you on your trip:
View the insightCuba Protection Plan by Travelex
The benefit descriptions below are only brief summaries. Coverage benefits and rates may vary by state.
- TRIP CANCELLATION & INTERRUPTION: Helps protect travel investments and recover non-refundable, prepaid trip costs if you need to cancel or interrupt your covered trip due to a covered reason.
- TRIP DELAY: Provides reimbursement of up to $1,000 ($200/day) for additional expenses such as accommodations, meals and local transportation, if your trip is delayed 5 hours or more for a covered reason. Trip Delay does not reimburse for expenses incurred after travel becomes possible.
- BAGGAGE & BAGGAGE DELAY: Provides reimbursement up to $1,000 (Baggage & Personal Effects)/$250 (Delay) for personal articles and expenses if bags are lost, stolen, damaged or delayed for 12 hours or more.
- EMERGENCY MEDICAL & DENTAL EXPENSES: Provides coverage up to $50,000 (Medical Expense) and up to $750 (Dental Expense) for emergency medical treatment if an unforeseen sickness or accidental injury occurs while traveling.
- EMERGENCY EVACUATION & REPATRIATION: Provides coverage up to $100,000 for Emergency Evacuation & Repatriation. Covers costs of transportation for an emergency evacuation to the nearest suitable hospital (also includes repatriation).
- 24-HOUR ACCIDENTAL DEATH & DISMEMBERMENT: Provides coverage up to $50,000 for loss of life, limbs or sight from a covered accidental injury anytime during your Covered Trip. (Not available for residents of New Hampshire.)
- TRAVEL ASSISTANCE SERVICES*: Includes a wide range of services before and during a Covered Trip through a 24/7 toll-free number. This includes assistance with medical emergencies, lost documents or baggage, event ticketing, business services, and much more.
For more information, please review the policy or see Travelex's COVID-19 Coverage Update & FAQs.
Coverage for Other Travel Arrangements
If you choose to purchase flights from insightCuba with your package, those flights will be included in your coverage. In this case, the plan can also upon request cover any other travel arrangements related to your trip not purchased through insightCuba, particularly any hotel stays or connecting flights. If you have purchased (or plan to purchase) any such travel arrangements and would like to include them in your coverage, simply contact us at any time prior to making your final payment. Note that the additional coverage might increase your premium slightly; see the Price section below.
However, if you purchase your package from us without flights, we cannot add coverage for any flights or other services that you purchase from other vendors.
Cancel for Any Reason Option
(For residents of New York, Cancel For Any Fortuitous Reason)
This optional benefit allows you to cancel your covered trip for ANY reason not covered by our Basic Protection Plan and receive up to 75% reimbursement of all insured pre-paid non-refundable payments you have made towards your trip, provided all requirements are met.
If you are cancelling for any reason NOT covered by our Basic Protection Plan, you are eligible for up to 75% reimbursement of all insured non-refundable pre-paid trip costs up to the maximum benefit.
How it works:
- If you need to cancel your trip, contact us immediately, at least 48 hours prior to your scheduled departure. (If you simply don't show up, you will not be covered.)
- If you are cancelling for a reason covered by our Basic Protection Plan, you are eligible for up to 100% reimbursement of all insured non-refundable pre-paid trip costs up to the maximum benefit.
- If you are cancelling for any reason NOT covered by our Basic Protection Plan, you are eligible for up to 75% reimbursement of all insured non-refundable pre-paid trip costs up to the maximum benefit.
- All other terms and conditions of the policy are the same as the Basic Protection Plan.
- If you wish to purchase the Cancel for Any Reason protection, you must purchase this coverage within 21days of any initial deposit and it must be the first protection you purchase. If you initially select Base protection; if cannot later be upgraded to Cancel for Any Reason.
- Cancel for Any Reason protection must be purchased at least 35 days prior to departure.
Purchasing Options & Deadlines
Our Basic Protection Plan may be purchased at any time until you make your final payment. It may not be purchased after we receive your final payment.
Our Basic Protection Plan with the Cancel for Any Reason Option may only be purchased within 21 days of booking.
To add coverage to your existing booking, you can simply visit our payment page for most packages. contact us.
If for some reason you need to change your departure date or even your package, we can transfer your premiums and coverage to your new booking, provided you have not filed a claim or commenced travel.
Pre-Existing Condition Exclusion Waiver
The pre-existing condition exclusion will be waived if you purchase the plan within 21 days of booking, your full trip cost is insured, and you are medically fit to travel at the time of purchase.
Price
The cost of the plan is determined by the total trip cost per person. This includes all travel expenses paid to insightCuba. It may also include the cost of other travel expenses related to your trip not purchased through insightCuba, if you request that we include them in your coverage and provided that you have purchased your international flights from us (see Coverage for Other Travel Arrangements above).
All premiums shown below are per person and are subject to change.
| Premiums | ||
|---|---|---|
| Total trip cost | Basic Protection Plan | Basic Protection Plan with Cancel for Any Reason Option |
| $0 – $1,500.00 | $188 | $310 |
| $1,501.00 – $3,000.00 | $219 | $361 |
| $3,001.00 – $4,500.00 | $263 | $433 |
| $4,501.00 – $6,000.00 | $302 | $499 |
| $6,001.00 – $7,500.00 | $352 | $581 |
| $7,501.00 – $10,000.00 | $414 | $683 |
| $10,001.00 – $12,500.00 | $676 | Not Available |
| $12,501.00 – $15,000.00 | $811 | Not Available |
21 Day Review Period
If you are not completely satisfied with your coverage, contact us within 21 days of purchasing and we will refund your premium, provided you have not departed on your trip or filed a claim. After 21 days, the premium is nonrefundable unless we cancel your trip prior to departure and you have not filed a claim. If you change your package or departure, and select travel protection coverage for the new booking; in most cases we are able to transfer your premium payments to the new booking.
24-Hour Emergency Travel Assistance & Concierge Services
Zurich Travel Assist
Within the U.S.:
Outside the U.S.:
24 hours a day, 7 days a week
Plan & Coverage Questions
Travelex Insurance Services
Mon – Fri, 8am – 7:00pm CT
customersolutions@travelexinsurance.com
810 N. 96th St., Ste. 300
Omaha, NE 68114-2767
Consumers in California may also contact the California Department of Insurance Hotline at 800-927-4357 or 213-897-8921. Consumers in Maryland may contact the Maryland Insurance Administration at 800-492-6116 or 410-468-2340.
Claim Questions & Status Inquiries
Zurich Travel Claims Administration
Within U.S. & Canada:
Outside U.S. & Canada:
Mon - Fri, 8:30am - 8:00pm, ET
P.O. Box 1019
Youngwood, PA 15697-0919
If you need to file a claim, contact us and/or the claims department as soon as reasonably or medically possible. The Claims Department will then advise you on how to obtain the appropriate form to be completed by you (and/or your attending physician, if relevant). Download claim forms at travelexinsurance.com.
Details & Disclaimers
This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America, provided solely for informational purposes. For full coverage terms and details, including limitations and exclusions, please see the full policy, which varies by state.
The plan provides insurance coverage which only applies during your covered trip. The purchase of the plan is not required in order to purchase any other travel product or service. Friendly Planet Travel is not licensed to sell travel insurance, and we will only be able to provide general information about the plan; we cannot answer questions about the terms and conditions of the insurance offered. You may have insurance coverage from other sources that provide similar benefits but may be subject to different restrictions depending upon the coverage. You may wish to compare the terms of the travel policy offered through Travelex with any existing life, health, home, and automobile insurance policies you may have. If you have questions about your coverage under your existing insurance policies, contact your insurer, insurance agent, or broker. Friendly Planet cannot evaluate the adequacy of any existing insurance coverage you may have.
To view state specific fraud warnings, visit: www.travelexinsurance.com/company/fraud-warning.
Travelex maintains an updated list of alerts and financial defaults on its website at www.travelexinsurance.com/customer-service/travel-alerts/travel-supplier.
Travelex Insurance Services Inc. CA Agency license #0D10209. Insurance coverages underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company (NAIC #16535, state of domicile: New York).
