Frequently Asked Questions
Please read the Description of Coverage carefully for specific benefits, terms, and conditions of the Travel Protection Plan.
If you need to cancel your trip, notify your tour operator first — and any other vendor you've made arrangements with (airline, car rental, etc.) — to obtain a refund from them.
Then, file a claim for reimbursement of trip-related expenses that are not refundable.
Seek medical attention in your local area first. If you need help finding a doctor, ambulance, hospital, translator, etc., contact General Global Assistance, 24/7.
After you pay for care and/or receive a bill, file a claim for reimbursement of expenses.
For help with travel arrangements, or other concierge level assistance (shopping, entertainment, etc.), or if you have an emergency (medical, legal, financial, etc.), please contact Generali Global Assistance 24/7.
After your coverage has been verified, the assistance provider will assist you.
You should contact the claims administator as soon as possible, preferably by written notice within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible.
Claims administrator:
Broadspire Services, Inc.
Claim Benefits
P.O. Box 459084
Sunrise, FL 33345
1-844-807-3269
What if my travel dates or trip plans change, or there is an increase in trip cost after I purchase this plan?
Notify USI Affinity Travel Insurance Services in writing (email is OK) and be ready to pay additional premium, if needed, in order to obtain the additional coverage. We can help you calculate the amount.
Failure to insure 100% of your non-refundable trip costs could result in the loss of eligibility for certain benefits such as the Pre-Existing Medical Condition Exclusion Waiver.
I insured a trip, but then had to re-book it for a later date. If the new trip has a lower trip cost when re-booking, can I adjust my policy and get a refund for the over-insured portion of the premium?
Yes, this is part of the normal procedure. You can adjust the trip cost up or down. Please contact us for assistance with this.
If a trip was cancelled by the tour operator fully refunded, but the airfare costs were given as a voucher, can I refund the premium on the tour cost, and downgrade the insurance to equal the cost of the airfare to apply toward a future trip?
Generali (the insurer) will not allow downgrading or splitting the refund. Our options are to either issue full credit on the policy for future travel (tour and airfare costs combined) or issue a full premium refund.
What are my options for my travel protection plan if my trip is postponed or cancelled completely?
If your trip has been postponed or cancelled due to the Coronavirus (COVID-19) outbreak, you may be eligible to change your travel dates or receive a credit for the full value of the travel insurance policy purchased to be used for future travel. This credit is valid for up to 24 months from your original scheduled trip date. Read More
When requesting a voucher, be prepared to provide confirmation from National Geographic of your trip cancellation or postponement as we will require this confirmation prior to changing your travel dates or issuing a voucher. To apply for the credit, simply contact us by phone at 1‑855‑874‑0252 or email at natgeo@travelinsure.com and let us know your new travel dates. We will be happy to assist you.
Keep in mind that you must transfer your trip dates BEFORE your originally scheduled trip departure date.
If you were offered a travel voucher by National Geographic for a future trip but decide to forego this option and not take your trip, your travel insurance plan will not cover a trip cancellation claim in this scenario, and we are unable to offer a refund of premium since you weren’t given a full trip refund by your travel supplier. (However, if you purchased Cancel For Any Reason coverage, you may file a claim under that provision.) The travel insurance industry is highly regulated and we must comply accordingly. Thank you for your understanding.
If a trip was cancelled by the tour operator and only 50% of the trip was refunded, can I have a 50% refund of the travel insurance premium?
No, there is no provision for a pro rata refund.
How much of my trip cost should I insure?
Insure ALL pre-paid travel arrangements that have any cancellation penalties or restrictions. You cannot insure arrangements for which you have made no payment: frequent-flyer miles, credit vouchers, discount coupons, or certificates. Please note that the maximum insurable trip cost per person is $120,000.
How early or late can I buy this insurance?
You may purchase the Travel Protection Plan as early as two years before your departure date, and as late as the day before your departure date. You may also buy it on the day of departure, but Trip Cancellation and Travel Delay will not be covered.
What are the benefits to purchasing early rather than later?
While you may purchase the Travel Protection Plan with standard coverage up until you depart, you will receive the greatest benefits if you purchase this insurance within 21 calendar days of your initial payment/deposit:
- The Pre-Existing Medical Condition Exclusion will be waived.* Trip Cancellation or Trip Interruption benefits are not eligible for coverage if the reason for cancellation is due to a pre-existing medical condition. However, when the plan is purchased in the 21 day window, cancellations due to a chronic condition which becomes acute and/or causes you to seek treatment by a physician within the 90 days prior to the effective date of the Travel Protection Plan would be eligible for coverage. This provision extends to you, your spouse, parents, children, and siblings. (The lookback period for residents of AK, IN and WA is 180 days.)
* You must also insure 100% of trip costs and be medically able to travel.
What if I miss the purchase period for the Early Purchase Advantages?
You may still purchase coverage at any time prior to departure, however, the coverage would not include the early purchase benefits described above.
For how many days can I be covered?
The maximum insurable trip length is 60 days.
Is there an age limit for this insurance?
Travelers of any age may be insured.
Will this plan cover me anywhere in the world?
Coverage is not available for travel to the following countries: Crimea, Iran, North Korea, Sudan, Syria, and Venezuela.
Can I still buy travel insurance with the Coronavirus in effect?
Yes, although the policy will not cover if you cancel the trip or interrupt the trip due to fear of Coronavirus. It will still cover for all other covered reasons you would cancel a trip, such as a death in the family, health or accident that does not allow you to travel.
Please note that this policy has a general exclusion for pandemic/epidemic. Once it is declared as such by WHO or CDC, the underwriter may invoke this general exclusion which applies to all coverages in the policy.
If I am diagnosed with Coronavirus, how can travel insurance help?
If you are diagnosed with Coronavirus before or during your trip, and meet the requirements for coverage due to sickness, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical and Dental, and Emergency Assistance and Transportation. Our travel insurance plans will stop providing this coverage if the outbreak is named a Pandemic or Epidemic by the CDC.
For any plans purchased AFTER October 15th, 2020 that include coverage for losses due to sickness, we are providing coverage if you, a traveling family member, or a traveling companion contract COVID-19 and plan requirements are met. Eligible coverages can include Trip Cancellation prior to your scheduled departure, Trip Interruption, Travel Delay, Medical and Dental, and Emergency Assistance and Transportation coverage during your trip.
For your safety and the safety of others, travelers who believe they may have contracted the virus should call our 24/7 Emergency Assistance team who will coordinate local treatment on your behalf. Please read your Description of Coverage and/or Policy confirmation documents for coverage details.
How can travel insurance help if I am quarantined due to the Coronavirus?
If you are diagnosed with Coronavirus or another sickness and are quarantined, you can be covered. If you are traveling and quarantined, but not sick, coverage depends on when you bought your plan. Plans purchased on or after January 29, 2020 will not provide coverage for quarantine due to the Coronavirus outbreak. Plans purchased before that date can cover you for Trip Cancellation, Trip Interruption and Travel Delay events if you are quarantined due to the Coronavirus.
I have a trip planned to an area affected by the Coronavirus. Will I be able to cancel my trip and be reimbursed?
You can be reimbursed for unused, non-refundable, pre-paid trip costs if you need to cancel your trip for one of 20 covered reasons. (See the Description of Coverage for your state of residence) Our plans do not offer coverage if you cancel your trip due to fear of traveling due to Coronavirus, unless you added Trip Cancellation for Any Reason coverage to your plan. In that case, you could be reimbursed up to 75% of your prepaid, forfeited, non-refundable trip cost, if you meet certain requirements.
Coronavirus is a public health emergency of international concern and many airlines and other travel suppliers are canceling service, refunding trips and waiving change fees for travel for the next few months. Seeing if your travel supplier can accommodate changes should be the first step.
Do you still have questions?
Please call (1-855-874-0252) or email us. We are ready to help!
This website provides a brief description of coverage provided under Master Policy number TMP1000100 and is subject to the terms, conditions, limitations and exclusions of the plan. Please see the plan documents for details. Coverage may vary by state.
Insurance benefits are underwritten by Generali U.S. Branch. Travel assistance services are not insurance and are not provided by Generali U.S. Branch.
Neither National Geographic Society nor National Geographic Partners LLC is an insurer, and neither has any liability for any coverage amounts.
Documents and descriptions posted on this website are effective for purchases made on or after January 7, 2021.