Insurance FAQ

We want you to be fully informed. Here are some frequenlty asked questions that might provide answers you are looking for. If not, please feel free to call us at any time.

Q: Why should I purchase travel insurance for my vacation?

A: You've saved, you've waited, and now you're all set to go on vacation. Preparing for your trip includes covering yourself for unfortunate occurrences that threaten to interfere with even your best-laid plans. By purchasing travel insurance, you can insure yourself for covered cancellation penalties, medical costs, baggage delays, as well as gain access to a wide range of traveler's assistance services.

Q: How do I purchase a Travel Insurance Plan?

A: You can purchase a Vacation Rental Insurance plan directly through your vacation rental company.

Q: What if my trip is delayed?

A: Travel Delay coverage will pay up to $600 for reasonable additional accommodation and traveling expenses due to a covered delay of 12 hours or more.

Q: When can I pay for Travel Insurance?

A: We recommend you pay for the insurance at the time of reservation, however you can purchase Vacation Rental Insurance anytime prior to or with your final trip payment.

Q: What is a pre-existing medical condition?

A: A pre-existing medical condition means an illness, disease, or other condition during the 60-day period immediately prior to your effective date for which you, your traveling companion or family member scheduled or booked to travel with you; 1) Received, or received a recommendation for, a diagnostic test, examination, or medical treatment, or 2) Took or received a prescription for drugs or medicine. Item 2 of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine, and remains treated or controlled without any adjustment or change in the required prescription throughout the 60-day period before coverage is effective under this Policy.

Q: What will be reimbursed for if I have to cancel my trip?

A: You will be reimbursed for prepaid, non-refundable payments made for your trip when your cancellation falls under one or more of the reasons listed in your Policy or Certificate.

Q: What should I do if I have to cancel my trip?

A: First, you should notify your vacation rental company. Then call your insurer to request a claim form.

Q: Will a Vacation Rental Insurance plan refund my booking fees?

A: Yes. You can insure any service fees charged up front and invoiced by your reservation company. The costs will be reimbursed if your trip is canceled for a covered reason.

Q: When is the latest Vacation Rental insurance can be purchased?

A: This insurance can be purchased up until the final trip payment is made or 30 days prior to arrival, whichever comes first.

Q: How do I file a claim?

A: Call AIG Travel Guard, the plan administrator at 1-888-409-7749 and refer to product number 008085 or if you are out of the United States, call collect at 1-715-295-5452.

Q: What is the maximum trip length I can insure?

A: 180 days.