Start with these frequently asked travel insurance questions to understand how our Travelex plans work and what to expect before you buy.
Check our travel insurance FAQs
for answers to your Travelex questions
Have travel insurance questions? Find clear answers here so you feel prepared before, during, and after your trip.
Top Travelex travel insurance FAQs for every traveler and trip
Our travel insurance can help if:
- Something unexpectedly goes wrong on your trip
- Your policy covers that situation
Here are examples of travel issues we can cover depending on the plan and upgrades you choose:
- Trip cancellation
- Trip interruption
- Travel delay
- Missed connection
- Medical emergencies
- Emergency medical evacuation
- Lost, stolen, damaged, or delayed baggage and belongings
We built our travel insurance with a variety of options to suit every traveler and every trip. So, each of our plans and upgrades have different benefits, exclusions, and coverage levels. When you get a quote, you'll be able to compare our plans and decide what's right for your vacation.
We offer a lot of travel insurance options at Travelex, but we can't cover everything — especially if they're extra risky. Here's what we can't cover:
- Losses from events you knew about or reasonably could have known about when you bought your policy (like hurricanes named before policy purchase or an illness that started before you purchase a policy)
- Medical expenses a doctor determines aren't medically necessary
- Losses that happen while traveling to, through, or from any of our blocked destinations
- Anything listed as an exclusion in your policy or not included as a covered benefit
So, if something comes up like:
- Having a routine medical check-up in London
- Damaging a rental moped in Thailand
- Missing your flight because you kept hitting snooze on your alarm
… your Travelex policy can't help.
It's smart to check plan exclusions before you buy. Here's how:
- Get a Travelex quote by clicking any orange "Get quote" button on our site or visiting our homepage.
- Take just a minute to enter your trip and traveler details.
- When you see your plan options, click the "View description of coverage" link under each plan cost to check the benefits and exclusions.
The Travelex plan that's best for you depends on your trip details, like your:
- Destination
- Trip length
- Trip cost
- Planned activities
- Budget
- Health and comfort level
Our comprehensive travel insurance plans can help cover a wider range of travel problems, including pre-trip cancellation. We have three coverage levels to choose from:
- Ultimate: our most supportive plan, with our highest benefit limits and access to all nine optional upgrades, including cancel for any reason and adventure activities.
- Advantage: our mid-level plan offering higher benefit limits than Essential and six optional upgrades.
- Essential: our budget-friendly plan that goes beyond the basics and includes up to six optional upgrades.
We also have three plans with more focused coverage. Here's what they work best for:
- Travel Med Go: Best for trips booked close to departure, with medical and other on trip coverage only.
- Flight Insure Plus: Helpful if you want flight accident coverage plus additional on trip benefits.
- Flight Insure: A simple option that only offers flight accident coverage.
You can compare our plans side by side when you get a quote or visit our travel insurance plans page.
Your trip cost is the total of all your prepaid, nonrefundable expenses, such as:
- Train, cruise, and flight tickets
- Hotel and vacation rental stays
- Tour payments
- Event tickets
- Meal and dining packages
Traveling with others? Calculate each traveler's trip cost separately, based on their share of the trip — not who pays. Think: "How much is this person's portion of the trip cost?" rather than "How much did this person pay for the trip?"
For example, if you're going on a cruise with your spouse and the cost is $1,000 per person, list $1,000 under your name and $1,000 under your spouse's name — even if one person is paying for everything.
Make sure you keep the receipts from all your travel purchases to help you calculate your trip cost and submit if you file a claim. If you have more questions, check out our article on how to calculate your trip cost.
We recommend buying our travel insurance as soon as you book any part of your trip (like a flight ticket or a hotel reservation).
Here's why it can pay off to buy a Travelex policy ASAP:
- You'll have more time to use trip cancellation coverage before you start traveling.
- You're eligible for coverage of your pre-existing medical conditions if you buy our Ultimate plan within 21 days of your first trip payment, insure your full trip cost, and are medically fit to travel at the time of purchase.
- You're eligible for our cancel for any reason* and cancel for business reasons upgrades if you get our Ultimate plan within 21 days of your initial trip expense and meet all requirements.
- You'll have more time before your trip to explore our Travel On app. It lets you view your coverage, see destination tips, and get real-time safety alerts when you sign in with your Travelex policy email address.
Good to know: You can purchase our Essential, Advantage, and Ultimate plans up to 11:59 p.m. CST on the day before your departure, regardless of the first trip payment date.
Need last-minute travel insurance? Our Travel Med Go plan might offer the protection you're looking for.
*Cancel for any fortuitous reason in NY.
Your Travelex coverage start date depends on which plan you choose.
If you choose a comprehensive plan (Ultimate, Advantage, or Essential):
- Your pre-trip cancellation coverage starts at 12:01 a.m. Central Time the day after purchase.
- Your other on-trip benefits start on your scheduled departure date.
If you choose our Travel Med Go, Flight Insure, or Flight Insure Plus plan:
- Your coverage starts at 12:01 a.m. Central Time on your scheduled departure date.
- You'll only have on-trip coverage (these plans don't offer our pre-trip cancellation benefit).
Your coverage ends as soon as one of these happens — whichever comes first:
- You finish your trip
- You reach your scheduled return date
- You arrive back home (for a round trip) or arrive at your destination (for a one way trip)
- You cancel your trip
You can't extend your policy by choice, but we may extend your coverage in certain situations.
We'll extend your coverage if both of these are true:
- Your policy covers your entire trip.
- You meant to come home on time but couldn't, even with good planning.
Here are examples of situations where we may extend your coverage:
- A hurricane, snowstorm, wildfire, or other natural disaster cancels your flight.
- Your airline cancels your flight because of mechanical issues, staffing problems, or air traffic control delays.
- You or someone traveling with you gets sick or injured, and a doctor says you can't travel yet.
- An airport closes or borders shut down unexpectedly due to security or emergency situations.
- Strikes disrupt transportation and prevent you from getting back as planned.
If we do extend your coverage, it ends when the first of these happens:
- You reach your originally scheduled return destination
- Seven days after your original scheduled return date
Remember, you can't extend your Travelex coverage for voluntary reasons without our prior approval.
Good to know: Ending or extending your coverage won't affect a claim that's already in progress.
If you plan to visit multiple countries on your next trip, you can either:
- Enter the region as your destination (like Europe or the Caribbean).
- Enter the country where you'll be spending the most time as your destination.
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 can enter either "Italy" or "Europe" as your destination.
No, we don't cover destinations that:
- Have Office of Foreign Assets Control (OFAC) sanctions
- We list on our blocked destinations page
We want you to enjoy seeing the world — and come home safely. Some destinations carry higher safety risks for travelers, so we limit or prevent coverage for trips to, through, or from these locations.
You can cancel your Travelex policy within 21 days* after purchasing for a full refund, as long as you haven't filed a claim or departed yet.
Important: We count the date you purchased your policy as day one of your review period.
*The review period for residents of Indiana, New Hampshire, and Utah is 30 days.
Travel doesn't always go exactly as planned — and that's okay. We designed our travel insurance to help when life happens so your trip can still feel like a win.
Here are some top reasons to choose Travelex:
- Relief during uncertain moments: If your flight is canceled during a winter storm, coverage can help with rebooking and extra hotel nights.
- Medical support abroad: If you sprain an ankle hiking in Costa Rica, you're not navigating care alone.
- Trip protection: If illness forces you to cancel a long-awaited Italy trip, we can help you recover your prepaid, nonrefundable costs.
- Real human support: 24/7 assistance means someone is there when plans shift unexpectedly.
- Technology that helps keep you safe: Our Travel On app offers real-time safety alerts, security risks and travel tips for your destination, and easy access to your policy details — so you're more prepared away from home.
Your Travelex travel insurance cost depends on certain details about your trip, like your:
- Trip cost (prepaid and nonrefundable flights, hotels, tours, etc.)
- Destination
- Trip length
- Age
- State of residence
Whether you're a senior traveling to Europe from Nebraska or in your 30's traveling with your kids to New York from Florida, your travel insurance cost can vary.
After you buy Travelex travel insurance, you'll receive a confirmation of coverage email that includes:
- Your confirmation number
- Your policy effective date
- Your benefit amounts
- Important contact information
- A Description of Coverage for your chosen plan that lists benefits, conditions, limitations, and exclusions
Be sure to save the information we send you, so you have access to it on the go. The easiest way to keep everything on hand is to download our Travel On app and log in with the email you used when purchasing your Travelex policy. You'll have easy access to certain coverage details in our app, including your confirmation number. Plus, you can get detailed travel information specific to your trip and real-time safety alerts.
If you need to, you can also request your policy documents online.
- All travel insurance FAQs
- Get help FAQs
- Travel insurance FAQs
- Benefits and upgrades FAQs
- About Travelex FAQs
- Traveler type FAQs
- Trip type FAQs
- Destination type FAQs
Find the travel insurance questions
and answers you’re looking for
Browse all Travelex FAQ topics in one place. From buying a plan to filing a claim, this hub helps you quickly find clear answers based on where you are on your travel journey.
Find support for your
policy, claims, or travel emergencies
Travel can change fast. Whether you’re dealing with a delay, trying to update your travel insurance, or just have a quick question, we’ll help you find the right answer so you can keep going confidently.
Get answers about our Travelex
plans, upgrades, and Travel On app
Choosing travel insurance doesn’t have to feel complicated. Explore plans, see what we can and can’t cover, learn about upgrades, and find out how our app helps you stay organized and safe before and during your trip.
See what we can help protect
and which options may suit your trip
From cancellations to medical care, your benefits and upgrades are there when things don’t go as planned. See how each benefit works and which you’d like to include in your travel insurance.
Take a look inside
Travelex Insurance Services
Have questions about Travelex beyond coverage? Learn more about our story, see what travelers are saying, and find out how to partner with us.
Learn which travel insurance options
may fit your travel style
Whether you’re traveling solo, with family, for business, or heading out on a cruise or adventure trip, explore our travel insurance questions and answers designed for different types of travelers and coverage needs.
Find benefits tailored
to your type of trip
Find answers to common travel insurance questions for different trip types, from business travel and cruises to beach vacations and long-term travel, including available benefits, coverage options, and upgrades.
Find destination-specific
travel insurance
Different destinations can come with different travel considerations. Explore travel insurance questions and answers for popular vacation spots around the world.
Still have travel
insurance questions?
Whether you have questions about coverage, benefits, claims, or an upcoming trip, our team is ready to help by phone, email, or online chat.
Want to call us?
We're available from 8:00 a.m. to 7:00 p.m. CST, Monday through Friday.
Want to email us?
Write to us anytime at service@travelexinsurance.com, and we'll get back to you ASAP.
Want online support?
Click the round chatbot at the bottom right of your screen to message a member of our team online.
Get help when travel
doesn't go as planned
Have travel insurance questions for when your trip doesn’t go according to plan? Learn how our emergency assistance provider can help, when to contact them, and how to navigate the claims process with confidence.
Need emergency support, fast?
Our emergency assistance provider is available 24/7 throughout your trip. Whether you've misplaced your passport, need help finding medical care, or are facing a language barrier, their compassionate team is just a call away when it matters most.
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Need to make a claim?
Submit and manage your insurance claim online. Our online claims portal makes it easy to file a claim, track its progress, and stay up to date with notifications.
Ready to get insurance that fits your travel style?
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Insurance coverage underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company (NAIC #16535, state of domicile: New York), 1299 Zurich Way, Schaumburg, IL 60196. The product descriptions provided above are only summaries. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Coverage and rates may vary by states. If there is any conflict between the contents of this website and the Policy, the Policy will govern in all cases. Travel Assistance Services are provided by the designated provider listed in the policy or on your Confirmation of Coverage. Travelex Insurance Services, Inc. 810 North 96th Street, Suite 300, Omaha, NE, 68114. CA Agency License #0D10209.
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