Do you know if any type of travel insurance coverage is included with your credit card? How about your domestic health care policy? Maybe your homeowner’s plan? Medicare?

Travel insurance is designed to provide coverage where none exists, or at least fill in openings that exist in other types of insurance programs. Review your personal credit card, health, homeowner’s and other insurance programs that you already own to make an informed decision about the purchase of travel protection.

Check your other insurance carefully to understand what benefits are offered with your credit card and how those benefits are activated. Airlines, cruise lines, hotels, and tour operators can sometimes have cancellation penalties. A discussion with your travel agent can help you become aware of travel exposures should the unexpected happen.

Protect your financial investment with an iTravelInsured plan.

The perils protected against are listed in your plan document. These perils are similar (but not identical) to the trip cancellation perils except they provide coverage once you depart for your covered trip. The insured can be reimbursed for unused non-refundable travel arrangements plus additional transportation costs paid to join/re-join your interrupted trip or be transported back to your originally scheduled return destination.

Coverage begins at 12:01 a.m. on the day after the date the appropriate payment for this plan is received. This is your “Effective Date” and begins the trip cancellation benefits. Most other coverages begin when you depart on the first travel arrangement for your trip.

To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your plan. Additional terms apply. You may add Cancel for Any Reason coverage to our LX plan. This allows you to cancel for any reason not otherwise covered by your plan and receive a partial refund. Additional cost and terms apply. Not available in NY.

It is best to check all of your existing coverages or insurance policies before traveling abroad so that you're aware of how you're covered and where you have gaps in your existing coverage.