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Protect your trip payment with Travel Protection

Protect Your Vacation with Our Travel Protection Plans that Extend Coverage for Covid-19

Trafalgar’s Travel Protection plans help protect your trip payment should the unexpected occur, allowing you the flexibility to cancel your trip for ANY reason, up to 24 hours before departure. Depending on the plan you select, you’re eligible for either a Future Travel Certificate or a mix of 60% cash back insurance benefit with a 20% Future Travel Certificate. Both plans include additional coverage for COVID-19.*
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Select the plan that fits your needs 

Travel Protection Plan

WHAT'S INCLUDED:

  • Cancel for ANY reason up to 24 hours prior to departure and be eligible for a Future Travel Certificate (non-insurance feature) for 100% of the non-refundable, pre-paid trip costs
  • Medical coverage should you become sick, including COVID-19, and are unable to travel
  • Trip cancellation benefits should you need to cancel for a covered reason
  • Coverage may be available if you are required to quarantine
  • Reimbursement up to 150% of your trip cost should you need to interrupt your trip for a covered reason
  • Trip delay coverage, baggage protection, 24/7 emergency assistance and more!

    • Learn more

    *Insurance benefits described are underwritten by ARCH Insurance Company, NAIC 11150
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$149 pp

COVERAGE FOR TRIPS
UP TO $2,000

$219 pp

COVERAGE FOR TRIPS
$2,001 - $3,500


$289 pp

COVERAGE FOR TRIPS
$3,501 - $5,000


$399 pp

COVERAGE FOR TRIPS
$5,001 - $7,500


$499 pp

COVERAGE FOR TRIPS
$7,501 AND HIGHER


Travel Protection Plan Plus

WHAT'S INCLUDED:

  • Cash reimbursement for up to 60% of your non-refundable, pre-paid trip costs should you need to cancel for ANY reason up to 24 hours prior to departure, along with a 20% Future Travel Certificate
  • Medical coverage should you become sick, including COVID-19, and are unable to travel
  • Trip cancellation benefits should you need to cancel for a covered reason
  • Coverage may be available if you are required to quarantine
  • Reimbursement up to 150% of your trip cost should you need to interrupt your trip for a covered reason
  • Trip delay coverage, baggage protection, 24/7 emergency assistance and more!

    • Learn more

    *Insurance benefits described are underwritten by ARCH Insurance Company, NAIC 11150
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$209 pp

COVERAGE FOR TRIPS
UP TO $2,000

$307 pp

COVERAGE FOR TRIPS
$2,001 - $3,500


$405 pp

COVERAGE FOR TRIPS
$3,501 - $5,000


$559 pp

COVERAGE FOR TRIPS
$5,001 - $7,500


$699 pp

COVERAGE FOR TRIPS
$7,501 AND HIGHER


Travel Insurance is required to participate on our trips

We require guests to have travel insurance covering all dates of travel with Trafalgar meeting the minimum levels listed below and covering: trip interruption, trip delay, emergency evacuation/repatriation, medical expenses from illness, whether individual or related to a pandemic event, such as COVID-19, and any medically-imposed quarantine such as a guest in the group contracting COVID-19 while traveling with Trafalgar.

Coverage should be at least the following amounts:

  • Trip Interruption: Cost of the trip (excluding air)
  • Trip Delay: $150/day, $750 total per person
  • Emergency Evacuation/Repatriation:  $100,000 per person
  • Medical Expense: $25,000 per person

Most travel insurers require you to purchase your coverage within a certain time of making your initial deposit/payment. Guests are advised to research and purchase insurance as soon as possible after making the deposit/payment.

As one convenient option, Trafalgar offers Travel Protection plans, underwritten by Arch Insurance Group, that meet or exceed the above coverages. Availability of travel insurance and extent of coverage can change, so please refer to our website for information or contact one of our Travel Experts. If you wish to purchase one of Trafalgar’s Travel Protection plans, you must purchase the Travel Protection Plan within 14 days of making your initial deposit/payment.
You are not required to purchase your insurance from Trafalgar and are welcome to choose any travel insurance product that meets or exceeds the requirements above. If you purchase your insurance from another seller, we will ask you to provide Trafalgar with information regarding your insurance policy prior to final payment being due.

No policy covers every risk. Coverages, conditions, exclusions and limitations under each policy differ. The minimum amounts listed above may not cover all your costs. You will be responsible for costs in excess of coverage amounts and for all costs if coverage does not apply. We encourage you to research your choices for a policy best suited to your circumstances.

Should you choose to travel with Trafalgar without the required travel insurance, you will need to declare this option when you complete your trip registration at my.trafalgar.com.

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COVID-19 TRAVEL INSURANCE FAQs

If you need to cancel for any reason and purchased the Travel Protection Plan, you will receive reimbursement in the form of a Future Travel Certificate from your Travel Provider equal to 100% of the cancellation charges. If you purchased the Travel Protection Plan Plus and need to cancel for any reason at all, you may be eligible for cash reimbursement from Arch Insurance Company in the amount of 60% of your total trip cost** as well as a 20% Future Travel Certificate provided by your Travel Provider. 

If you have the Travel Protection Plan or Travel Protection Plan Plus and need to cancel your trip due to a covered reason, you may be eligible for cash reimbursement up to 100% of your total trip cost. A full list of covered reasons for trip cancellation coverage, along with general exclusions, is found in your state-specific plan documentation. 
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You may be covered if you, a Traveling Companion* or a Family Member* contract COVID-19. If you contract COVID-19 after purchasing Travel Protection and are diagnosed prior to departure, the trip cancellation benefit may provide coverage if you need to cancel your trip. You will need to provide proof of sickness from your doctor and a statement that you are medically unable to travel.

If you contract COVID-19 once you’ve already started your trip, the trip interruption benefit may provide coverage if you need to interrupt your trip because you or a Traveling Companion* become sick. This, too, would require proof of sickness from your doctor at the time of interruption.

If you become sick with COVID-19 while traveling, your medical expenses may be reimbursed as well up to the benefit limits indicated in your plan.

*“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner, Caregiver, or Child Caregiver.

*“Traveling Companion” means a person or persons whose names appear with Yours on the same Travel Arrangements and who, during Your Trip, will share accommodations with You in the same room, cabin, condominium unit, apartment unit or other lodging.
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If you are Quarantined* prior to your trip, the trip cancellation benefit may reimburse you for unused pre-paid, non-refundable trip costs. If you are Quarantined during your trip, the trip interruption benefit may reimburse you for missed, unused pre-paid non-refundable trip costs and additional transportation costs to return home or catch up to your trip. 

If COVID-19 causes you to be Quarantined*, delaying your trip for 12 hours or more, you may be eligible for trip delay benefits which may reimburse additional expenses for transportation, meals and accommodations, as well as missed unused pre-paid, non-refundable travel arrangements (up to the limits indicated in the plan).

In each case, you would need to provide proof from a doctor or government authority verifying your need to quarantine, as well as receipts for any expenses incurred. 


*Quarantine means the enforced strict isolation and confinement of You or Your Traveling Companion at a single location, for medical reasons, pursuant to an order by an official government authority, a lawfully authorized deputy of such authority, or a licensed practicing Physician, which prevents any interaction with other persons for a specified period of time not exceeding the incubation period for a contagious disease to which You or Your Traveling Companion have been exposed. Governmental orders imposing Prohibited Access, social distancing, self-isolation that does not meet all of the requirements set forth above, shelter in place, or stay at home requirements or recommendations do not constitute a Quarantine.
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Fear of potentially contracting COVID-19 or fear of being Quarantined is not a covered reason to cancel your trip. However, if you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason insurance benefit which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider. 
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Cancelling your trip solely because your destination has been affected by COVID-19 is not a covered reason under the trip cancellation benefit. A full list of covered reasons for trip cancellation coverage, along with general exclusions, is found in your state-specific plan documentation. 
However, if you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason feature which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% future travel credit from your Travel Provider. 
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A cancellation due to a travel advisory is not a covered reason under the plan. A full list of covered reasons for trip cancellation coverage, along with general exclusions, is found in your state-specific plan documentation. 
However, if you decide to cancel your trip due to a travel advisory, you may be eligible for certain coverages. If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason feature which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider. 
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Trip cancellation or trip interruption benefits are not available in circumstances when the intended destination is the subject of a CDC Travel Warning. A full list of covered reasons for trip cancellation and trip interruption coverage, along with general exclusions, is found in your state-specific plan documentation. 

However, if you decide to cancel your trip due to a CDC Travel Warning at your destination, you may be eligible for certain coverages. If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason feature which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider. 
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You are eligible for a refund of your plan cost during the free look period, which is 10 days from the time you purchase the plan, provided all the below conditions are met:

  • You are within 10 days of plan purchase;
  • You have not started your trip; and
  • You have not filed a claim.

Your plan cost is not refundable after the free look period.

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If your trip has begun or if on your departure date your flight is delayed by the airline, or other common carrier, for 12 or more hours, the Travel Protection plan may reimburse travel delay expenses for items such as additional meals, accommodations and airfare. 
If the airline carrier has made the decision to cancel your flight in advance of your departure date and you need to cancel your trip, there may be reimbursement available to you. 

If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason benefit which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider. 

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You may be covered if you are diagnosed with COVID-19 while on your trip and it is determined that emergency medical transportationto a higher level of care is necessary as a result. All of the Travel Protection plans provide a maximum benefit limit of $100,000 for emergency medical evacuation. These arrangements must be coordinated and approved by the Assistance Service Provider – CareFree Travel Assistance™.

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Contact with someone who is positive is not a covered reason for trip cancellation or trip interruption benefits UNLESS, you were placed under Quarantine* as a result of this direct contact/exposure. If you were to become sick and are diagnosed with COVID-19 by a Physician and are deemed medically unable to travel, you may be covered with proper documentation.

Additionally, If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason benefit which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider.

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Self-quarantine upon return from a trip is not a covered reason for trip cancellation under the plan.

However, If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason benefit which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider.

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Regardless of your reason for cancellation, all cancellation claims must be reported to Aon and your Travel Provider(s) within 30 days* of becoming aware that you are sick (or otherwise unable to travel) or as soon as reasonably possible, and prior to scheduled trip. Your sickness or reason for cancellation must occur after your Travel Protection plan purchase (Effective) date.

*State variation language may apply

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Terms and Conditions

This program was designed and is administered by Aon Affinity. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkeley Insurance Agency and in NY, AIS Affinity Insurance Agency.

Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150), under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a brief overview of the coverages. Subject to terms, conditions and exclusions. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply.

** Travel Protection Plan Plus is only available for trip costs of $15,000 or less.

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