Travel Select Travel Protection

From Travelex

Available for trips up to 180 days in duration, Travel Select is a quality trip cancellation insurance plan that provides a wide range of carefully chosen benefits & plan options to protect your trip cost, health, & baggage.

Due to Foreign Assets Control (OFAC) regulations this plan is not availalble for trips or cruises to the following countries: Iran - Libya - North Korea - Syria

Quote & Buy Travel Select

Travel Selection Limitations & Exclusions

The following exclusion applies to the Accidental Death & Dismemberment coverage:

  • We will not pay for loss caused by or resulting from Sickness of any kind.

The following exclusion applies to the Emergency Medical & Dental Expense, Trip Cancellation, Trip Interruption, Trip Delay and Missed Cruise Connection coverages:

We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the plan, including death that results therefrom. This Exclusion does not apply to benefits under covered expenses for emergency medical evacuation or repatriation of remains of the Emergency Evacuation & Repatriation coverage.

Waiver of the Pre-Existing Condition Exclusion

The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements:

  1. the payment for this plan is received within 21 days from the date you paid the initial Covered Trip deposit/payment for your Covered Trip;
  2. you are not disabled from travel at the time you makes your plan payment; and
  3. you insure all prepaid Covered Trip costs that are subject to cancellation penalties or restrictions and also insure the cost of any subsequent arrangements added to your Covered Trip within 21 days of the payment for those arrangements.

The following exclusion applies to all coverages:

We will not pay for any loss under the plan, caused by, or resulting from:

  1. suicide, attempted suicide, or intentionally self-inflicted injury of you, your Traveling Companion or Family Member booked to travel with you, while sane or insane (while sane in CO and MO);
  2. mental, nervous, or psychological disorders, except if hospitalized (does not apply to Medical Expense Benefits);
  3. being under the influence of drugs or intoxicants, unless prescribed by a Physician;
  4. normal pregnancy or resulting childbirth (except for complications of pregnancy or as specifically provided under Trip Cancellation) or elective abortion;
  5. participation as a professional in athletics while on your Covered Trip;
  6. riding or driving in any motor competition;
  7. declared or undeclared war, or any act of war;
  8. civil disorder (does not apply to Trip Delay), travel warning/alert;
  9. service in the armed forces of any country;
  10. operating or learning to operate any aircraft, as pilot or crew;
  11. scuba diving, mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company;
  12. any criminal acts, committed by you;
  13. a loss or damage caused by detention, confiscation or destruction by customs;
  14. Elective Treatment and Procedures;
  15. medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;
  16. a loss that results from an illness, disease, or other condition, event or circumstance and the loss occurs at a time when the plan is not in effect for you;
  17. a diagnosed sickness from which no recovery is expected and which only palliative treatment is provided and which carries a prognosis of death within 12 months of your Effective Date; Sickness, Injury or Death if insurance is purchased after entering a hospice facility or receiving hospice treatment.

The following exclusion applies to the Baggage & Personal Effects and Baggage Delay coverages:

We will not pay for damage to or loss of:

  1. animals;
  2. property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
  3. boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances;
  4. artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses;
  5. documents or tickets, except for administrative fees required to reissue tickets;
  6. money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards, except as noted above;
  7. property shipped as freight or shipped prior to the Scheduled Departure Date;
  8. contraband.

We will not pay for loss arising from:

  1. defective materials or craftsmanship; or
  2. normal wear and tear, gradual deterioration, inherent vice; or
  3. rodents, animals, insects or vermin; or
  4. theft or pilferage from an unattended vehicle; or
  5. mysterious disappearance; or
  6. electrical current, including electric arcing that damages or destroys electrical devices or appliances.

For any other exclusions or limitations, please refer to the policy description of coverage

Note: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any question about your current coverage, call your insurer or health plan.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

InsuranceQuest.com is a web site from CDA Insurance LLC. CDA Insurance LLC is not an insurance carrier, we are an agency that represents many companies offering products to the general public. We do our best to assure that all information presented on our web site is current and accurate. The information and suggestions on our site are intended for informational purposes only, and we expressly disclaim any representations or warranties, express or implied, regarding the accuracy of such information.

[ learn more ]