Frequently Asked Questions

Travel protection insurance helps protect your prepaid, non-refundable trip investment from unforeseen circumstances that could cause you to cancel, interrupt, or delay your trip. It provides financial reimbursement for covered losses and expenses.

One in six travelers experience unforeseen circumstances that can result in a cancelled or delayed trip. Travel protection provides peace of mind and financial protection for your vacation investment, covering over 30 different types of unforeseen events.

Coverage is available for USA residents traveling domestically or internationally. International residents can access coverage through a separate process. CFAR (Cancel For Any Reason) coverage is not available to residents of New York.

Yes. Travel insurance reimburses your prepaid, non-refundable Airbnb stay when you cancel for a covered reason — illness, injury, family emergency, weather, job loss, and 30+ others. Add Cancel For Any Reason (CFAR) for partial reimbursement on cancellations not on the covered list.

Read the full Airbnb guide →

Travel insurance can reimburse the difference if your host cancels and a comparable replacement rental costs more, plus non-refundable trip costs that no longer make sense (flights, tours, etc.). AirCover from Airbnb only covers your booking refund — it doesn't make you whole on the trip around it.

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Yes. The same covered reasons that apply to any prepaid trip — illness, hurricane, job loss, family emergency — apply to VRBO bookings. CFAR adds partial reimbursement when you cancel for reasons outside that list.

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AirCover is host-side and platform-limited: it covers your Airbnb refund, not your flights, your tours, your medical emergency, or a hurricane evacuation. Travel insurance covers the trip, not just the booking.

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If a covered event — fire, flood, hurricane damage — makes your rental uninhabitable, travel insurance can reimburse the unused prepaid cost and reasonable additional accommodations. Some policies also cover mandatory hurricane evacuations from your destination.

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For most vacation-rental travelers: yes. AirCover and credit-card coverage have gaps that show up exactly when you need them most — medical emergencies abroad, named hurricanes, family emergencies, and the prepaid trip costs around the rental itself.

Read the flagship guide →

Standard Coverage provides 100% reimbursement for over 30 specified covered reasons, such as illness, weather, job loss, or family emergencies.

CFAR Coverage includes everything in Standard coverage PLUS the ability to cancel for ANY reason and receive 60% reimbursement, even if the reason isn't covered by the standard policy.

Covered reasons include: sickness, injury, or death of you or a traveling companion; weather-related disruptions; hurricanes and natural disasters; flight cancellations; job loss; death in the family; road closures; family pet death; medical emergencies; accidents; terrorist incidents; and many more. See your policy for the complete list.

Yes, both Standard and CFAR coverage include medical emergency coverage, which can reimburse medical expenses for injury or illness during your trip, provide emergency medical evacuation, and help locate appropriate medical facilities. 24/7 travel assistance is also available.

Group coverage protects up to 20 travelers in your party with a single policy at one low price. You don't need to list all travelers individually — the coverage automatically applies to everyone, making it convenient and affordable for families and groups.

Getting a quote is quick and easy. Visit our quote page and provide basic information about your trip: travel dates, destination, and trip cost. You'll receive instant pricing for both Standard and CFAR coverage options.

Standard coverage can be purchased anytime up to 24 hours before your scheduled check-in, regardless of when you booked your trip. However, we recommend purchasing as early as possible to maximize your protection. Cancel For Any Reason (CFAR) coverage must be purchased within 14 days of your initial trip deposit. The no cost pre-existing medical conditions waiver also requires purchase within 14 days of booking.

You'll receive your policy documents immediately via email after completing your purchase. The process is quick and secure, and you can access your policy documents at any time.

Yes. You can review a sample policy before making your purchase. This allows you to understand the terms, conditions, and coverage details before committing to a policy.

You can file a claim online through our simplified claim wizard. Visit our Claims page to get started. The process guides you step-by-step and allows you to upload required documentation and track your claim status.

Required documentation typically includes: your policy number, proof of loss (medical records, cancellation notices, etc.), original receipts for expenses, travel documents (itineraries, booking confirmations), and any other documents relevant to your specific claim type. See our Claims page for complete details.

For straightforward claims with complete documentation, you can typically expect a decision within 10 business days. Complex claims may require additional time. Once approved, reimbursement is processed within 5-7 business days. You'll be notified if we need any additional information.

Our travel protection programs are underwritten by world-class, respected insurance providers including Nationwide® Mutual Insurance Companies (trusted since 1926) and Crum & Forster, a subsidiary of United States Fire Insurance Company. These established companies provide financial stability and comprehensive coverage you can count on.

Yes. Our underwriters are highly respected, established insurance companies with strong financial ratings. Nationwide® has been a trusted name since 1926, and Crum & Forster is a well-established insurance provider. We work only with financially stable underwriters to ensure your coverage is reliable.