Trip Coverage FAQs

This page answers frequently asked questions (FAQs) about Trip Coverage. If your question isn't listed below, please contact us.

Q: Are there any restricted destinations?

A: No. However, there is an extra question if you indicate travel to CUBA. You have to confirm “that you are legally traveling to Cuba and have obtained all proper licenses from the Office of Foreign Asset Control.”

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Q: Is travel allowed to OFAC sanctioned countries?

A: Yes.

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Q: Are there any trip cost limitations in regard to getting the Pre-existing conditions waiver on these plans?

A: Pre-existing condition exclusion waiver may be available if purchased within 10 days of initial trip deposit.

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Q: Can these plans be purchased for one way travel, and if so, when does coverage end? Does the entire round trip duration have to be insured? For example, if someone is traveling from the US to France and they just want to insure the flight there, is this possible? Would they be eligible for the Pre-existing conditions waiver?

A: No, the coverage in the policy is defined for a full trip. The policy defines an effective date, departure date and a return date. We are unable to remove the return date component of the policy.

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Q: Can a customer insure only a certain portion/component of the trip?

For example:
I am renting a house in Florida for two months. While I am staying there, I plan to take a cruise. I am only interested in purchasing insurance for the cost and the dates of the cruise. Is the insured eligible for the policy, and are they eligible for the Pre-existing conditions waiver?

A: YES. When the individual enrolls, they would only include those dates and cost that are relevant to the cruise. If the insured is also looking to cover the cost of the FL house during the cruise dates, they would need to insure the entire trip (house for the whole 2 months and cruise).
Pre-x – You would still be eligible but only if the whole trip cost is insured. In this example, the entire cost of the cruise would need to be insured.

I paid $1,540 per person for my cruise. Can I insure for $1,500 per person? Is the insured eligible for the policy, and are they eligible for the Pre-existing conditions waiver?

Yes, this is allowed, however we would prefer the entire trip cost be purchased. Also, please note there are some perils that require the entire cost of the trip to be purchased. If the Insured doesn’t cover the entire cost, certain perils are excluded. Pre-ex is one of those items where the entire cost of the trip is required.

I paid $1,000 for my cruise and $500 for my airfare. I only want to insure the cost of the cruise. Is the insured eligible for the policy, and are they eligible for the Pre-existing conditions waiver?

Pre-ex waive would not be available for purchase since the entire cost of the trip was not purchased.

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Q: How is the initial trip payment calculated?

Final Trip Payment is the day all trip payments have been made.

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Q: How is the effective date of trip protection coverage calculated?

Payment is considered made on the day is it received by the premium administrator and coverage becomes effective the next calendar day.

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Q: Does everyone have to be immediate family members (living in the same household) to be listed on the same application/policy?

This is really two questions. 1.) the Application can have multiple individuals traveling on a trip together whether they are family members or not, as long as they live in the same state. 2.) Each individual is on their own Policy or Certificate.

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Q: Is there a time restriction for how far in advance someone can purchase a policy for their trip?

A: Purchase date to departure date must be within 12 months.

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Q: In the event that the insured has to cancel the trip, but has airline tickets that are able to be used for up to one year, do they have to insure the cost of the tickets to be eligible for the policy? Do they have to insure the cost of the tickets to be eligible for the Pre-existing conditions waiver?

A: Yes, they would have to insure the cost of the tickets to be covered. If they do cancel the trip, the insured will need to sign a waiver agreeing not to use the tickets in the future. Once signed, the cost of the tickets will be reimbursed.
Pre-ex waiver: Yes, they would need to insure the cost of the tickets to be eligible to purchase the Pre-ex waiver.

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Q: If an insured is increasing the cost of their trip, is there a time frame that they have to add the additional amount to the policy to keep the Pre-existing conditions waiver? Does the entire cost of the trip have to be insured up front, even if the entire thing has not been paid for yet?

A: The Pre-ex waiver only applies if the full cost of the trip is purchased within the allowed timeframe.

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Q: Are there any destination restrictions for rental car coverage?

A: No. However, if you are from NY, OR or TX, this coverage is not available to you.

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Q: Can the plans be purchased with a $0 trip cost? If so, is the Pre-existing Conditions Waiver available?

A: No.

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Q: Are there any non-refundable policy fees?

A: No.

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Q: Is there a maximum age limit to be covered under these plans?

A: Maximum age limit of 85 at time of purchase.

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Q: What is the maximum trip length that can be insured?

A: 31 Days.

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Q: Are residents of U.S. Territories allowed to purchase these plans?

A: No – must be continental U.S.

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Q: Is there a maximum number of travelers that can be listed on the same application?

A: Yes, you can only enroll 10 travelers at a time.

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Q: Is there a minimum trip length?

A: No.

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Q: Is there a maximum number of days that rental car coverage can be purchased for?

A: No, the Collision Damage Waiver coverage would be effective for the length of an individual’s trip.

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Q: Does the AOPA Trip Coverage include a Pre-Existing Condition Waiver?

A: Yes, the Pre-Existing Conditions exclusion is waived if You (a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within ten (10) days of the initial deposit); (b) purchase this Certificate for the full cost of Your Trip; and (c) are medically able to travel on the Effective Date.

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