Travel Insured International

What Travel Insured International is

Travel Insured International is a plan brand: it develops and markets travel protection plans, and a separate insurer carries the risk. The site footer says its plans "include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al," and that "Travel Insured International markets the travel insurance in these plans on behalf of USF." It gives Travel Insured's address in Glastonbury, Connecticut and "California license #0I13223."

The about page says "Founded in 1994, Travel Insured International has proudly served as a trusted companion for global travelers," and that "In 2015, after years as a long-time partner, we were acquired by Crum & Forster and parent company, Fairfax Financial Holdings Limited." It is now "part of Crum & Forster (C&F) Accident & Health Division." Every plan combines insurance with non-insurance assistance; the footer names the assistance providers as "C&F Services and Blue Ribbon Bags (on select plans only)."

The single-trip plans

The site sells three single-trip plans, which its FAQ and add-on pages name as Platinum, Deluxe and Essential. The plan table sets out their headline benefits. Trip cancellation is 100% of trip cost across the range. Trip interruption is 150% of trip cost on the upper plans and 100% on the lowest. Accident & Sickness Medical Expense is listed at $500,000, $250,000 and $50,000 across the three columns, each with a "$750 Dental Expense" sublimit. Baggage and personal effects is $2,500, $1,500 and $750, with a $250 per-article limit. The FAQ confirms Platinum's figure: its optional Baggage Bundle "adds $2,500 to the maximum benefit amount (bringing the total to $5,000) and increases the per-article limit from $250 to $500."

Cancel for Any Reason and Interrupt for Any Reason are optional at "75% of Trip Cost," and the add-ons page says this bundle is "Not available on the Essential plan." Other optional bundles, each at extra cost, cover hotel and theme park tickets, pets, flights, cruises and rental car damage and theft. The Baggage Bundle and an Extreme Sports Medical Upgrade are "Available on the Platinum plan only," and a Trip Delay Upgrade "on the Deluxe plan only, increases coverage by $500, bringing the maximum benefit amount to $2,000." The FAQ adds that a non-flight AD&D benefit is included on Platinum and Deluxe, and that the Flight Bundle adds air-flight AD&D on any single-trip plan.

The medical evacuation benefit page lists "$1,000,000," "$500,000" and "$200,000" as the levels on plans that offer it. Evacuation is arranged through the assistance provider, and the page says it can return the traveler "to a hospital of choice or medical facility closest to your primary residence" when the attending physician and the assistance service agree.

The Annual Multi-Trip Protector Plan

The annual plan is priced on its page: "Adults Base coverage is $94/year one time payment" and "Children Base coverage is $64/year one time payment," for children 17 and under. It covers "trips at least 100 miles from home for 12 months," and the FAQ says "the maximum trip length is 45 days" with no limit on the number of trips. It is "not currently available to residents of the following states: MO, MT, NY, and WA."

Its base benefits apply per trip: trip delay of "up to $200 per day" after a delay of "at least 12 consecutive hours," up to "$5,000 per trip"; missed connection up to $500; medical evacuation and repatriation "up to $100,000 per trip"; political, security or natural disaster evacuation "up to $150,000 per trip"; baggage up to $2,500 and baggage delay up to $750 after 3 hours; and Accident & Sickness Medical Expense "for up to $100,000 per trip." The FAQ says the annual plan "is primary coverage, but secondary for the Accident & Sickness Medical Expense benefit (except for New Hampshire and Utah residents)." Trip cancellation and interruption are optional buy-ups for each trip, and CFAR can be added only after those.

Pre-existing conditions and exclusions

The footer states that coverages are "subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions." The FAQ ties any waiver to early purchase: buying soon after the first trip payment "may make you eligible for additional features, such as a pre-existing condition exclusion waiver," and "These early purchase windows are usually limited to 14-21 days from your initial trip deposit date." On the annual plan, cover for canceling or coming home early because of a pre-existing condition requires buying the trip cancellation and interruption add-ons for that trip, with "Other criteria" applying.

The coverage alerts page shows how known events are handled. On the Spirit Airlines closure it says "plans issued on or after May 2, 2026 will not cover this event," and the FAQ states the general rule that a plan issued after an event becomes foreseeable does not cover it. The FAQ also lists terrorism, civil disorder and political evacuation as events some plans may respond to.

Who can buy it and how it works

Pricing depends on "age, trip length, and trip cost," and a quote gives the exact figure. The FAQ says "children 17 and under may be included at no additional cost" on some plans. A plan can be bought "up until departure," but trip cancellation cover starts at 12:01 AM the next day, so it does not apply to a plan bought on the day of departure. Every plan has "a 14-day Free Look period" for a full refund if the trip has not started and no claim has been filed.

Customer care is on 1-800-243-3174. The 24/7 emergency line is 1-800-494-9907 from the US or Canada, or 1-603-328-1707 collect from elsewhere. The FAQ describes that non-insurance service as available "worldwide 24 hours a day, 7 days a week," helping with doctors, translation, emergency transport and evacuation, while Blue Ribbon Bags tracks delayed baggage. Claims are filed with Travel Insured through its claims center.

Who it suits

Travel Insured International fits a traveler who wants a published benefit table across three single-trip plans, a wide set of add-on bundles, and an annual plan with a stated price. The annual plan suits frequent trips of up to 45 days outside Missouri, Montana, New York and Washington. The site ties any pre-existing condition waiver to buying within its early purchase window.