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Travel Protection

Why purchase travel protection?

Even with the most meticulous planning, travel can be full of surprises. Here are just a few situations that could arise:

  • You get sick just before traveling or while on tour.
  • A family emergency comes up the day before you're due to depart.
  • You booked a domestic connecting flight, but it's delayed, causing you to miss your international flight.
  • A severe storm causes your international 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 protection plan, you can enjoy your trip knowing that you have protection against many unforeseen circumstances.

Our Plan

For your convenience, we offer a travel protection 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.

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. Maximum covered trip cost is $15,000 per person.

These terms & prices apply to plans purchased by residents of Pennsylvania on or after Oct 1, 2020, and by residents of other states on or after Mar 18, 2020.
  • If you purchased the plan between Sep 4, 2019 and Mar 17, 2020 and are not a resident of Pennsylvania, please see this page.
  • If you purchased the plan prior to Sep 4, 2019, or are a resident of Pennsylvania who purchased prior to Oct. 1, 2020, please see this page.

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 Friendly Planet Travel 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 & CONCIERGE 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.

COVID-19 Coverage & FAQs

The plan provides emergency medical & evacuation coverage if you become ill with the virus or are quarantined while traveling; please see the policy for details.

However, like most travel protection plans, it does not provide coverage for trips that are cancelled due to travel advisories, the destination being inaccessible, or fear of getting ill, unless you purchased the plan prior to Mar 18, 2020, and selected the Cancel for Any Reason option. Unfortunately, this option is no longer available for purchase. If you did not purchase this coverage, then the following FAQs apply.

What coverage is provided in regards to coronavirus?

COVID-19 is being treated the same as any other illness, and it is subject to pre-existing medical condition exclusions. You may be eligible for trip interruption, emergency medical/evacuation coverage if you contract the virus while on your trip.

Would I be covered if I cancel my trip due to coronavirus?

To be eligible for trip cancellation/interruption coverage, one of the following must occur while your coverage is in effect:

  • You or your traveling companion would need to be sick as diagnosed by a physician and unfit for travel (which could include contracting the coronavirus and being physically quarantined as a result).
  • Your non-traveling family member is diagnosed with COVID-19, and it is considered life-threatening or they require your immediate care. This must be certified by a physician.
  • Your business partner is diagnosed with COVID-19 and you must cancel or interrupt your trip to assume daily management of the business. This must be certified by a physician.
Would I be covered if my physician advises me not to travel due to the risk of contracting the coronavirus?

Fear of contracting the coronavirus, including due to your age or underlying health conditions, even with a certified physician notice, is not an eligible reason for trip cancellation/interruption coverage. You would only be eligible for this coverage if you become ill while the policy is in place and the sickness is so disabling as to prevent you from taking or continuing the trip.

Would I be covered for trip cancellation or trip interruption due to travel advisories or travel bans?

If you are unable to travel to your destination due to a government travel warning, restriction or ban, you would not be eligible for trip cancellation/interruption coverage. Travelex may allow you to apply the policy to another trip at a later date. Please contact Travelex for further details on this option.

Would I have to be quarantined in a hospital to be eligible for coverage?

You would be eligible for trip interruption/delay coverage if you are quarantined in either a hospital, hotel, or vacation rental (i.e. Airbnb) while on a trip on a doctor's orders. This order must be submitted with your claim. You would not be eligible for coverage for the following:

  • Government-imposed quarantine
  • Self-imposed quarantine
  • Shelter-in-place order

For more information, please review the policy or see Travelex's COVID-19 Coverage Update & FAQs.

Coverage for Other Travel Arrangements

Upon request, the plan can also cover any other travel arrangements related to your trip not purchased through Friendly Planet Travel, particularly any hotel stays or domestic connecting flights (flights from your home city in the U.S. to our package departure city). 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 purchased your package from us without international flights (i.e. "land-only"), we cannot add coverage for any international or domestic flights that you purchase from other vendors.

Cancel for Any Reason Option

As of Mar 18, 2020, the Cancel For Any Reason Option is no longer available. If you purchased the plan with the Cancel For any Reason option between Sep 4, 2019 and Mar 17, 2020, please see this page for more information.

Purchasing Options & Deadlines

When you book a trip with us, online or by phone, we'll give you the option to add on the protection plan to your booking (provided you enter an address in the U.S., excluding overseas territories, and your trip total falls within the limits listed below).

The plan may be purchased at any time until you make your final payment. It may not be purchased after we receive your final payment.

To add coverage to your existing booking, you can simply visit our payment page for most packages. Or 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. Unfortunately, we cannot refund premiums for cancelled bookings.

Pre-Existing Condition Exclusion Waiver

The pre-existing condition exclusion will be waived at no additional cost if you purchase the travel protection plan within 15 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, including all travel expenses paid to Friendly Planet, plus the cost of any other travel arrangements related to your trip not purchased through Friendly Planet, if you request that we include them in your coverage (see Coverage for Other Travel Arrangements above).

All premiums shown below are per person and are subject to change.

Total trip cost Premium
$0 – $1,500.00 $155
$1,501.00 – $3,000.00 $181
$3,001.00 – $4,500.00 $217
$4,501.00 – $6,000.00 $250
$6,001.00 – $7,500.00 $291
$7,501.00 – $10,000.00 $342
$10,001.00 – $12,500.00 $558
$12,501.00 – $15,000.00 $670

15 Day Review Period

If you are not completely satisfied with your coverage, contact us within 15 days of purchasing and we will refund your premium, provided you have not departed on your trip or filed a claim. After 15 days, the premium is nonrefundable unless you cancel your booking or we cancel your trip prior to departure and you have not filed a claim. If you change your package or departure, and select the Travel Protection Plan for the new booking, we will transfer your premium payments to the new booking.

24-Hour Emergency Travel Assistance & Concierge Services

On Call International
Within the U.S.: 855-892-6495
Outside the U.S.: 603-328-1373
24 hours a day, 7 days a week

Plan & Coverage Questions

Travelex Insurance Services
844-843-9407
Mon – Fri, 8am – 7:00pm CT
[email protected]
810 N. 96th St., Ste. 300
Omaha, NE 68114-2767

For all inquiries related to plans purchased on or after Sep. 4, 2019, excluding residents of Pennsylvania, refer to Plan #349A-0919.
If you purchased the plan prior to this date or are a resident of Pennsylvania, please see this page instead.

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

Berkshire Hathaway Specialty Insurance Claims Department
855-205-6054
Mon – Fri, 7am – 7pm CT
[email protected]
P.O. Box 2986
Clinton, IA 52733

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

The plan and benefit descriptions provided here are only brief summaries and may be changed without notice. For full coverage terms and details, including limitations and exclusions, please see the full policy, which varies by state. NY State residents, see this special notice regarding coverage related to COVID-19.

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.

Travel Insurance underwritten by Berkshire Hathaway Specialty Insurance Company NAIC #22276 under Policy Form series (all states except as otherwise noted) PG-TA-IPL-USE. In KS, MN, MO, MT, OR, and VA Policy Form series PG-TA-IPLNV. In CA Policy Form # PT-TA-IPL-CAEAH, CO Policy Form # PG-TA-IPL-COEAH and PG-TA-IPL-COEIM, IL Policy Form # PG-TA-IPL-ILE, IN Policy Form # PG-TA-IPL-INEAH and PG-TA-IPL-NVIM, MD Policy Form # PG-TA-IPL-MDE, NH Policy Form # PG-TA-IPL-NHE, NY Policy Form # PG-TA-IPL-NVIM and PG-TA-IPL-NVAH-NY, PA Policy Form # PG-TA-IPL-USIM and PG-TA-IPL-NVAH-PA, TX Policy Form # PG-TA-IPL-TXEAH and PG-TA-IPL-TXEIM, WA Policy Form # PG-TA-IPL-NVIM and PG-TA-IPL-WAEAH. YX2

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