Travel Protection Insurance

Travel Protection Insurance highly recommends Travel Protection Insurance. The purpose of travel insurance is to provide protection for travelers against the unique risks associated with travel, before trip departure and during the trip itself. Read more about Travel Protection Insurance below:

Travel Protection FAQ's
Should I buy travel insurance or shouldn't I? Is it worth it? What does it cover? How much does it cost? What if I have to cancel? Everything you need to know about travel insurance. more info...
Travel Protection Coverage and Costs
Travel Protection premiums are based on the total cost of your vacation and your age at the time of travel. Prices fluctuate up as items are added to or deleted from your invoice. more info...
Complete Access America Travel Protection Policy is proud to provide Access America Travel Protection as an alternative to the cruise line's trip cancellation insurance policies. Click here to read a complete policy. more info...
What could happen? Examples of Real Claims
Here are some real life examples of unforeseen circumstances faced by real Access America Travel Protection customers before or during their vacations. more info...

Travel Protection FAQ's

What is Travel Protection Insurance?

Travel Protection is vacation insurance and it's designed to protect your vacation investment in the event you must cancel due to unforeseen circumstances that may interfere with your ability to travel, or if things to go wrong while you are on your cruise.

Back to Top

Travel Insurance covers:

  • Cancellations due to sickness, death, injury of you, a family member, domestic partner or traveling companion
  • Travel delays due to inclement weather or natural disasters
  • Bankruptcy of an airline, cruise line or other travel supplier, when this plan is purchased within 14 days of initial deposit
  • Terrorism (domestic and international)

In addition, Travel Protection covers:

  • All pre-existing medical conditions, when this plan is purchased with 14 days of initial deposit.
  • Lost, stolen, or damaged baggage and personal effects
  • Emergency medical expenses
  • Expenses incurred if your travel is delayed
  • Emergency transportation to an adequate medical facility, with an escort when medically necessary.

If must cancel your cruise or incur expenses or penalties for any of the reasons covered above, Travel Protection Insurance will reimburse you for covered costs.

Back to Top

Should I buy Travel Protection?

We highly recommend you purchase Travel Protection Insurance. All cruise lines charge penalties if you must cancel your cruise within their penalty periods. And it is unwise to expect that they will make an exception, even under the direst circumstances. Travel Protection will refund these penalties if you cancel for a covered reason.

You should also buy Travel Protection because most Americans have little or no health care coverage when they travel outside the country. When you board a foreign-flagged cruise ship, you physically enter another country. For those who do have health coverage in effect outside the US, medical evacuation is not included. Airlift transportation from a ship to a qualified medical facility can cost thousands and thousands of dollars, and without travel protection, you have no coverage and pay out of pocket, often up front!

Travel Protection covers emergency medical transportation when necessary. Medical facilities on cruise ships and in resort destinations are extremely limited and may be inadequate for your condition. While the medical facilities on many of the newest cruise ships are state of the art, they are not hospitals. They are designed only to stabilize a patient until more comprehensive care can be obtained. It is not safe to assume that a cruise ship is equipped to treat every illness or injury. If you must be evacuated, your Travel Protection would cover the costs.

Cruise Line and airlines claim little responsibility when things go wrong. It is not the responsibility of the cruise line to connect you with the ship if you miss it. And if you're flying to the port of embarkation, the airline is obligated only to fly you there and may not be willing or able to send you somewhere else to pick up the ship. Travel Protection will reimburse you the costs incurred for missed connections and fly delays.

Any one of the above reasons is good enough to buy travel protection, but consider that every one of them applies to everybody all the time! The bottom line is that travel protection is the only way you may get your money back if you have to cancel your cruise.

Back to Top

What does a Travel Protection Policy include?

A typical travel protection policy includes three main benefits:

  • Trip cancellation/interruption
  • Major medical with medical evacuation
  • Baggage protection

Most policies offer some type of travel delay coverage, but it may or may not cover delays to strikes or other labor problems.

The trip cancellation benefit is designed to reimburse you up to the total cost of your vacation in the event a medical emergency forces you to cancel under penalty with the cruise line. Trip cancellation benefits apply prior to the start of the cruise, while trip interruption coverage works for you after you have left home. If an emergency to anyone traveling, or to those immediate family members left behind, causes you to cut the trip short, trip interruption is intended to reimburse you for the missed portion of the vacation and the out-of-pocket expenses necessary to return home. Without these two important benefits, you have no recourse but to lose both cruise and the money you've paid for it.

Major medical and medical evacuation benefits offer you medical protection outside the area covered by your primary care provider without a deductible. In addition, emergency medical transportation, including helicopter airlift, is covered to transport you to a medical facility where you can be treated.

Baggage protection provides you with reimbursement for lost, stolen or damaged luggage. Most people do not consider the repercussions of taking a cruise without their clothing! Baggage benefits can provide you with the necessary cash to replace some of the missing articles so that your cruise is not a complete fashion emergency.

Back to Top

What does Travel Protection cover and not cover?

In general, the insurance portion of a travel protection plan covers medical emergencies, such as a death, illness or injury to you, your traveling companions and any immediate family members.

It is important to know that most cruise line travel protection policies do not cover pre-existing medical conditions under the trip cancellation clause. A pre-existing medical condition is usually defined as one for which you have been treated within 60 days of purchasing the insurance. However, this exemption does not preclude your need for, or the validity of, the trip interruption and medical benefits.

Business and personal obligations are not covered for trip cancellation under the insurance portion of a travel protection policy, but waivers may be available through the cruise line that offer credits toward future travel if you must cancel for a non-medical reason.

In situations when only one member of the party is unable to travel contact to learn what options are available without having to cancel the cruise altogether.

Back to Top

What is considered a "pre-existing" condition?

A pre-existing medical condition is one that existed during the 180 days (approximately six months) preceding and including the policy effective date. A condition is pre-existing if you:

1. Received a recommendation for a diagnostic test, examination or medical treatment; or
2. Took or received a prescription for drugs or medicine during the 180-day period.

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 180-day period before coverage is effective under this policy.

Back to Top

Does travel protection cover a pre-existing medical condition?'s Travel Protection includes a pre-existing medical conditions waiver if you purchase the plan within 14 days of making your first payment. This provision does allow you to file for cash reimbursement of the cruise line's penalty.

It is important to know that pre-existing medical conditions are not covered by the cruise line's insurance plans. However, many cruise lines have a waiver built into their travel protection that provides you with a credit toward future travel.

Back to Top

What happens if I get sick or hurt while I'm on the trip?

Travel protection can take much of the worry out of a bad situation by paying for the medical evacuation required to transport you to the nearest hospital. In addition, assistance services are included to verify coverage so that you can be treated immediately. The assistance services can also help you communicate with the doctors if you don't speak the same language.

Without the medical coverage included in a travel protection plan, you will be forced to pay out of pocket up front for medical treatment and medical transportation, and you'll be on your own dealing with the doctors and the hospitals in a foreign country.

Back to Top

Where can I obtain Travel Protection? offers Travel Protection, which includes a waiver for pre-existing medical conditions, and we will automatically include the premium amount on your invoice for your consideration. All cruise lines offer a travel protection policy, but the coverage amounts can vary greatly from one line to another.

Back to Top

How much does Travel Protection Insurance cost?

Travel protection premiums can be priced in a variety of ways and may depend on one or more of the following factors:

  • Length of the cruise
  • Cabin price including port charges, taxes and fees
  • Total cost of the vacation
  • Your age at the time of travel's Travel Protection is based on both the total cost of your vacation and your age at the time of travel, so the price fluctuates up and down as items are added to or deleted from your invoice. Complete policy information is available on this website for your convenience.

The cruise lines use a variety of criteria to price their premiums. For example, Carnival Cruise Line prices its premium based on the length of the cruise, with longer cruises requiring a higher premium cost than short ones. Holland America Line determines its premium amount by calculating a percentage of the cost of the vacation. In addition, some cruise lines offer more than one level of coverage.

This information is not available on most cruise line websites, so you'll have to take a look at the brochure for more information and a description of the coverage and benefit amounts. If you don't have a brochure just give us a call; we know how to figure these things out and we'll give you the best advice for your situation. Your booking agent can offer you the information by phone or you can find it on the cruise line's website.

Back to Top

What's the difference between insurance and a waiver in the cruise line's policy?

Insurance offers cash reimbursement for cancellation due specifically to medical reasons. A waiver usually means that you can cancel for any reason whatsoever, but that a large portion of your payment will be held as a credit toward future travel.

Insurance covers you from the moment you leave home until the moment you return. A waiver usually stops protecting you a day or so prior to the start of the trip.

Many cruise lines offer a combination of both a waiver and insurance, which provides maximum flexibility for you by offering recourse for a wide variety of both medical and non-medical situations.

Back to Top

Are there alternatives to the Cruise Line's Insurance? is proud to represent CSA Travel Protection. They offer a number of benefits including:

The premium amounts are often less than those being charged by the cruise line. Our plan also offers reimbursement for cancellations due to a pre-existing medical condition, which is different from the cruise line policies because they offer credit toward future travel.

Cover Other Travel Products
If you purchase your airline tickets separately from the cruise line, the cruise line's insurance will not cover the separate costs you paid for your airline tickets, hotel or rental car. CSA Travel Protection covers all travel products as long as the total cost of your vacation was factored into the premium for the insurance.

Pre-existing Medical Conditions Waiver
The waiver is included at no additional cost to you and applies if you pay the premium amount within 14 days of making your first payment on your cruise.

$250,000 per person for Emergency Evacuation Expenses
Most cruise line policies pay $50,000 per person or less, so if you exceed this amount you will pay out of pocket.

Money-back Guarantee
Within ten days of purchase, if you change your mind about having purchased the policy, we will gladly refund the premium amount.

Back to Top

When do I have to buy travel protection?

If you are making full and final payment on your cruise, and you are planning to take's travel protection plan, you should accept the travel protection at the time of booking. However, you do have up to 14 days in which to make the payment and receive the benefit of the pre-existing medical conditions waiver.

If you have elected to purchase travel protection through one of the cruise lines, you must include the premium amount with your final payment. However, do know that there are a few cruise lines that require the premium to be paid with the deposit. If this is the case, your agent will advise you properly prior to booking.

Back to Top

Who can buy Travel Protection?

US citizens. Non-US citizens should obtain travel protection from a company doing business their home country, with one exception:'s Travel Protection can be purchased by Canadian citizens, but the medical benefits do not apply. Therefore, Canadians will be covered for trip cancellation/interruption and baggage.

Back to Top

What if I have to cancel and file a claim?

If you become ill or injured, first see a doctor. Then if you find that you need to cancel, contact immediately. We will speak to the cruise line on your behalf, cancel your cruise and advise you on what to do next. Whenever possible, we will request the necessary forms to assist you in starting the claims procedure. You must complete the appropriate forms and return them to the insurance company with documentation to support your claim, so it's important to have visited the doctor first.

Back to Top

How do I make a decision about Travel Protection?

First, learn the cruise line's cancellation and refund policy so that you know what your penalties are and when they go into effect. Next, take a look at what insurance coverage you may already have in place and decide if it is adequate for you. Take the time to compare the cruise line's policy against's Travel Protection Plan so that you can make an informed decision about which one is best for you.

Contact the insurance company directly if you have specific coverage questions. At we are happy to assist you in understanding the general provisions of a travel protection policy, but are unable to actually determine how those provisions will apply to your personal situation.

If you are undecided, purchase travel protection. Before you think that nothing can happen to you, consider that 80 percent of those who cancel their vacation do so because of a medical emergency. Remember, travel protection is the only way to get your money back!

Back to Top

What else can I do to increase my chances of a trouble-free vacation?

In addition to purchasing travel protection, consider flying to the city of embarkation a day prior to the sailing date. This will help offset weather or airline mechanical delays, and you'll arrive on board your cruise more rested. This is especially important if you are traveling internationally or across several time zones.

If affordable, considering booking your airfare through the cruise line as part of the total cruise package. Most people want to compare the price of the cruise line's air add-on with the price charged directly from the airline and saving money is important. But understand that you need to save a lot of money to offset all the advantages offered through the cruise line if something goes wrong.

Make sure all of your baggage is clearly labeled. Consider keeping a separate, written inventory of all the items you are taking with you including cameras, jewelry, clothing, etc as well as their approximate values and descriptions. If you do have something that is lost or stolen, it could be easier to locate if you have this information. Additionally, it ensures that you do not forget to file a claim for something.

Back to Top

How can I learn more about my policy?

You will receive a comprehensive Travel Protection Booklet with your final payment or with your cruise documents. You can also read about the entire policy on our website. Please click here.

Back to Top

What if I have problems during my trip?

Your Travel Protection Policy will include both a US and International 24-Hour Emergency Telephone Number to call in the unlikely event you have a problem during your trip. Please document everything carefully. This includes date, time, names, supervisor names, locations, stores, facilities, phone numbers, people you spoke with, etc. Be sure to save all receipts and keep them organized so that you can file your claim later. The more thorough you are, the quicker your claim will be processed.

Back to Top

If I must cancel, when will I get my refund?

When you cancel, you must begin filing a claim with the travel insurance company. This involves paperwork. If you had to cancel for medical reasons, you will be expected to provide proof from physicians. If you experience travel delays or lost baggage, you'll be expected to provide copies of all receipts for expenses as well as a summary of events and actions taken to resolve your issues.

Upon reviewing all of the material you submit and upon approval, the insurance company will send your reimbursement check within 30 - 60 days of approval.

Back to Top

What if I have more questions?

If you have more questions about Travel Protection, please call directly or call 1-800-554-9839 and refer to plan code 1575-A.

Back to Top

Coverage and Costs

Protect Your Vacation Investment
The purpose of travel insurance is to provide protection for travelers against the unique risks associated with travel, before trip departure and during the trip itself. is proud to offer Access America Travel Protection.

This plan provides coverage for:

  • Cancellations due to sickness, death, injury of you, a family member, domestic partner or traveling companion
  • Travel delays due to inclement weather or natural disasters
  • Financial Default of an airline, cruise line or other travel supplier, when this plan is purchased within 14 days of initial deposit
  • Terrorism (domestic and international)

In addition, Travel Protection covers:

  • Existing medical conditions, when this plan is purchased by final trip payment date, you are a US resident, medically able to travel on the date of purchase, and trip cost is $20,000 per person or less. (All non-refundable trip costs are covered.)
  • Lost, stolen, or damaged baggage and personal effects
  • Emergency medical and dental expenses
  • Expenses incurred if your travel is delayed
  • Emergency medical transportation to an adequate medical facility, with an escort when medically necessary.


The insurance premium is based on 6.5% of the total cost of the trip including all covered components such as air transportation purchased separately. This plan is available to persons whose primary residence is in the United States or Canada.

24-Hour Emergency Assistance Services

Access America's 24-Hour Emergency Hotline Provides You With Immediate Aid For:

  • Medical Referral
  • Legal Referral
  • Emergency Cash Transfer
  • Lost Ticket & Passport Assistance
  • Emergency Prescription Refill Assistance

Please review the Certificate of Insurance/Policy for restrictions, limitations and conditions that may apply.

Insurance benefits are underwritten by BCS Insurance Company on Form No. 52.201 or 52.401. or Jefferson Insurance Form No. 101-C-XX-01 or 101-P-XX-01, depending on the insured's state. World Access Service Corp., a company of Mondial Assistance, is the licensed producer and administrator for this plan and an affiliate of Jefferson Insurance Company.

California Residents: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan. We are doing business in California as WASC Insurance Agency. CA License # is 0B01400.
Florida Residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida.

Plan may not be available in all jurisdictions.

Back to Top

Access America Travel Protection Policy

Download Access America Travel Protection Policy

Download Policy is proud to offer Access America Travel Protection as a comprehensive and affordable alternative to the cruise lines' insurance. Access America's travel insurance and travel assistance services provide everything you need to protect your investment and travel with confidence.

To download and print's sample Access America Travel Protection Policy please click the image or the link on the right. You must have Adobe(r) Reader(r) installed to view this document.

To purchase this policy, please contact your Cruise Expert.

Adobe(r) Reader(r) 6.0 is free software that lets you view and print Adobe Portable Document Format (PDF) files on a variety of devices and operating systems.

Back to Top

What Could Happen

What could happen? Why trip insurance is so important?
Why are travel insurance and travel assistance services so important? Unforeseen circumstances can force travelers to cancel or postpone their trip and risk losing payments they've made. Below are true stories from actual travelers. Take a minute and read about what could have happened to their vacation investment if they had not purchased trip insurance.

Little one gets sick
A client's 3-year-old daughter developed an ear infection two days before the vacation was to begin. The client had to cancel the trip, but they were in a 100% penalty period with the cruise line, and stood to lose their money. Their entire claim was paid using trip insurance.

Flood damage
Mr. and Mrs. J. live in the Midwest, and their home sustained massive damage due to severe flooding. They cancelled their trip in order to take care of the damage to their house. Their entire claim was covered. (Similarly, Access America has also had clients who had to cancel due to damage from earthquakes, fires and hurricanes.)

Sickness or Injury before Trip
Tom planned a ski trip to Aspen several months in advance. Three weeks before his Aspen trip, he broke his leg at a local ski area. If not for travel insurance, he would have lost his entire trip investment.

Family Emergency back home
On the second day of their 14-day cruise to Europe, Mr. and Mrs. C. and their children received an emergency message that Mr. C.'s mother was critically ill. The family contacted the 24-Hour Emergency Hotline for assistance in making return travel arrangements. The Trip Insurance company assisted them in arranging air tickets to return home. (Their original tickets were highly restrictive and the dates could not be changed.) Because they missed most of their trip, the Trip Interruption clause covered most of their out of pocket expenses and plus the value of the unused trip components.

Medical Evacuation
A couple from Seattle was on an Alaskan cruise when one of them developed a serious medical condition that required emergency transportation to the nearest land-based hospital. The Trip Insurance provider determined that the nearest hospital was inadequate for the patient and flew him to a hospital in Seattle. Insurance covered the cost of the evacuation and also paid all related expenses incurred for getting the client to the nearest adequate medical facility and then transporting him to a hospital near his home, as well as the unused segment of the client's trip.

Back to Top

Back to FAQ Topics

Overlay Title