Travel Insurance

Add Travel Insurance To Your Next Getaway

Adding travel insurance to your trip plans can help safeguard your trip investment, whether you’re spending money on a long-awaited dream vacation or a spur-of-the-moment getaway. Travel insurance is a way to save money, time and frustration if things go wrong.

The iTravelInsured Travel SE plan is our most popular plan for domestic and international destinations. Travel insurance is available whether traveling on a cruise, tour, or vacation abroad. The plan also includes coverage for additional kennel fees caused by a travel delay.

mount dora travel insurance

With iTravelInsured Travel SE you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered reason. Benefits are also provided for travel delays, baggage delays, and emergency medical treatment while you’re away from home. Separate from these benefits, Paul Williams Insurance can provide non-insurance emergency travel assistance, such as helping you replace lost travel documents or lost prescriptions, emergency cash transfers, and legal and medical referrals when necessary.

Highlights

  • Family-friendly plan for domestic and international destinations
  • Trip cancellation maximum benefit up to 100% of trip cost
  • Trip interruption maximum benefit up to 150% of trip cost
  • Up to $125 per day per person to a maximum benefit of $2,000 for trip delay
  • $500,000 maximum benefit for medical evacuation and repatriation of remains

Made for…

  • Vacations / Holidays
  • Business Travelers

Coverage Information

Here are a few examples of covered trip cancellation and interruptions perils. Please note that the listed perils are not all applicable to both trip cancellation and interruption; refer to the wording of the plan, which is sent upon purchase, for complete details. Additional terms apply to every peril.

Trip Cancellation & Interruption – What’s Covered?*

Sickness, injury or death of insured, a family member, a travel companion, a business partner, a child caregiver, a service animal or petYes
Insured’s primary residence or scheduled destination being rendered uninhabitableYes
Documented theft of passports/visasYes
Involved in a merger, job loss or job relocationYes
Documented traffic accidentYes
Unannounced strikeYes
Inclement weather that causes delay or cancellation by your common carrierYes
Mechanical breakdown of the common carrierYes
Mandatory evacuations due to national disastersYes
Emergency military duty for a natural disasterYes
A terrorist incidentYes
Revoked military leaveYes
Financial Insolvency or Financial default of an entity that directly provides travel arrangementsYes
NOAA hurricane warning or watch at destinationYes
Court order to appear as witnessYes
Jury dutyYes
HijackYes
Pregnancy or adoptionYes
Divorce or legal separationYes
Travel alert or travel warning for levels four (4) and higher or an evacuation order or travel banYes

* This plan contains additional covered reasons not discussed above. Additional terms, conditions and limitations applyto many of the covered reasons for Trip Cancellation and Trip Interruption discussed above

Additional Information

Maximum Trip Duration180 days
Maximum Age Insured99
Pre-Existing Condition Exclusion WaiverAvailable – plan must be purchased Within 20 days of the date your initial Payments or deposits for your trip is received. Pre-Existing Condition Review Period60 days
RefundsYou may submit a cancellation request and receive a full refund within 10 days from the date of purchase, as long as you have not departed on your trip, incurred a loss, or filed a claim. The plan is non-refundable after 10 days.
Latest date plan can be purchased1 day before departure
24/7 Emergency Travel Assistance (Non-Insurance)Included
Minimum Trip Cost to be insured$300
Coverage TypePrimary

Coverage Information

Here are a few examples of covered trip cancellation and interruptions perils. Please note that the listed perils are not all applicable to both trip cancellation and interruption; refer to the wording of the plan, which is sent upon purchase, for complete details. Additional terms apply to every peril.

Trip Cancellation & Interruption – What’s Covered?*

Sickness, injury or death of insured, a family member, a travel companion, a business partner, a child caregiver, a service animal or petYes
Insured’s primary residence or scheduled destination being rendered uninhabitableYes
Documented theft of passports/visasYes
Involved in a merger, job loss or job relocationYes
Documented traffic accidentYes
Unannounced strikeYes
Inclement weather that causes delay or cancellation by your common carrierYes
Mechanical breakdown of the common carrierYes
Mandatory evacuations due to national disastersYes
Emergency military duty for a natural disasterYes
A terrorist incidentYes
Revoked military leaveYes
Financial Insolvency or Financial default of an entity that directly provides travel arrangementsYes
NOAA hurricane warning or watch at destinationYes
Court order to appear as witnessYes
Jury dutyYes
HijackYes
Pregnancy or adoptionYes
Divorce or legal separationYes
Travel alert or travel warning for levels four (4) and higher or an evacuation order or travel banYes

* This plan contains additional covered reasons not discussed above. Additional terms, conditions and limitations applyto many of the covered reasons for Trip Cancellation and Trip Interruption discussed above

Additional Information

Maximum Trip Duration180 days
Maximum Age Insured99
Pre-Existing Condition Exclusion WaiverAvailable – plan must be purchased Within 20 days of the date your initial Payments or deposits for your trip is received.
Pre-Existing Condition Review Period60 days
RefundsYou may submit a cancellation request and receive a full refund within 10 days from the date of purchase, as long as you have not departed on your trip, incurred a loss, or filed a claim. The plan is non-refundable after 10 days.
Latest date plan can be purchased1 day before departure
24/7 Emergency Travel Assistance (Non-Insurance)Included
Minimum Trip Cost to be insured$300
Coverage TypePrimary

CANCEL FOR ANY REASON (CFAR) INSURANCE

What is Cancel For Any Reason (CFAR) Insurance?

Cancel For Any Reason coverage is a travel insurance benefit that allows you to get partially reimbursed for cancelling a trip for a reason not otherwise covered under your plan. You can quite literally cancel a trip for any reason, and still get some of your money back.

The Paul Williams Insurance Agency partners with carriers that offer Travel plans which offers Cancel For Any Reason as an optional add-on benefit.

What’s the difference between Trip Cancellation benefits & Cancel For Any Reason benefits?

The two key differences are how much you get reimbursed and the covered reasons that apply to each benefit. Trip Cancellation benefits are usually included on most travel protection plans but Cancel For Any Reason coverage is often an optional add-on benefit for an additional cost. Trip Cancellation benefits reimburse you up to 100% of your insured trip cost, but only if certain covered reasons cause the cancellation. Cancel For Any Reason benefits reimburse you a portion of your trip cost, but the benefit applies no matter the reason for cancellation.
The following situations are examples of common covered reasons that standard Trip Cancellation benefits may cover:

  • Illness
  • Hurricanes & other natural disasters
  • Job loss or involuntary job relocation
  • Complications of Pregnancy
  • Death of your family member or traveling companion

Please note that the above listed perils are subject to further restrictions and additional terms apply. Refer to the plan document, which is sent upon purchase, for complete details.

Why get Cancel For Any Reason Insurance?

Nobody wants to cancel a trip, but unfortunately life happens. There are many reasons why you may have to call off a trip, and standard Trip Cancellation benefits do not cover all of them. Adding Cancel For Any Reason coverage gives you peace of mind knowing if you do have to make the tough choice and cancel a trip, you can get some of your hard-earned money reimbursed.

Here are some scenarios that can be covered by Cancel For Any Reason benefits, but not standard Trip Cancellation benefits:

  • Worry or fear over travel because of COVID-19 or other safety concerns.
  • You change your mind about going on the trip completely and would rather stay home.
  • Unexpected family situation
  • Moving or starting a new job the week, you were supposed to travel
  • You and your traveling companion no longer want to travel together.

How much does it cost?

Cancel For Any Reason coverage comes at an additional cost to your travel protection plan. Adding CFAR typically increases your plan cost by about 50%. Additional terms apply. Get a quote today!

Ideal for Travelers Wanting CFAR

RECOMMENDED

Highlights

  • Trip cancellation maximum benefit up to 100% of trip cost
  • Trip interruption maximum benefit up to 150% of trip cost
  • Up to $250 per day per person, $2,500 maximum benefit for trip delay
  • $1,000,000 maximum benefit for medical evacuation and repatriation of remains
  • Optional Cancel for Any Reason (CFAR) / Interruption for Any Reason (IFAR) add-on benefit available (Additional cost and terms apply)

GET QUOTE TRIP PROTECTION MEDICAL BENEFITS

Additional Travel Insurance Plans

  • iTravelInsured Essential
    Limited travel protection with cost effective coverage
  • iTravelInsured Travel Sport
    Trip cancellation and interruption coverage for sport or adventure travel
  • iTravelInsured Travel SE
    Family-friendly plan for domestic and international destinations.
  • iTravelInsured Travel Lite
    budget-level plan for price-conscious travelers.

Can I really cancel my trip for any reason?

Yes, typically! However, there are other important limitations you should know about before adding CFAR to your plan.

  • Insurance with Cancel For Any Reason coverage typically offers reimbursement for a percentage of your trip cost, not 100% of your trip cost. Paul Williams Insurance’s iTravelInsured Travel LX plan Cancel For Any Reason add-on covers 75% of your non-refundable prepaid trip cost.
  • Cancel for Any Reason coverage for Paul Williams Insurance’s iTravelInsured Travel LX plan does not cover the failure of your Travel Supplier to provide the bargained-for travel arrangements due to cessation of operations for any reason.
  • You must purchase your Cancel For Any Reason coverage within a certain number of days of your initial trip deposit. Paul Williams Insurance’s iTravelInsured Travel LX plan requires you to purchase the Cancel For Any Reason add-on benefit at the same time that you purchase your base plan and within 20 days of your initial trip deposit.
  • You can’t cancel your trip at the last minute. You must cancel a certain number of days before your trip departs, depending on your plan. Paul Williams Insurance’s iTravelInsured Travel LX plan requires you to cancel no later than 2 days prior to the scheduled departure date of the trip.
  • Cancel For Any Reason benefits only apply if you cancel your trip before you depart. If you have to cancel a trip once you’ve already left, Trip Interruption or Trip Interruption For Any Reason benefits would kick in depending on your reason for interrupting your trip (if your plan includes these benefits, such as Paul Williams Insurance’s iTravelinsured Travel LX plan).