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Ask Our Specialists
I am looking for trip insurance to cover reasons like: Illness or injury, death of the traveler or in the immediate family or similar catastrophic occurrences.
The benefits will vary from plan to plan, however, most will cover trip cancellation due to an unexpected injury or illness of a traveler. The benefits are based on the travelers themselves.
As far as a death of an immediate family member, if they have been sick and something happens, that would not be covered under any plan with the exception of a cancel for any reason benefit. Anything that is already a possibility of happening at the time of purchase would not be covered.
If you are a U.S. resident, there are some plans that will offer a Cancel for Any Reason benefit, that can reimburse up to 75% of trip costs, as long as the trip insurance is purchased within depending on the plan 10, or 21 days of the initial trip deposit. That could be something to look into if you have not yet made an initial trip deposit.
Once the trip has started the cancellation benefit option ends, and then the other travel benefits become valid.
If you have additional questions about the plans benefits that you are viewing through the link provided, please let us know.
Can't find answers to your questions?
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More