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Making Changes to your Travel Insurance Policy

10 May 2011
Making Changes to your Travel Insurance Policy

Travel insurance companies are typically happy to work with customers who need to make changes to their policy. Since travelers are encouraged to make their travel insurance purchase soon after their initial trip deposit date, they may not have all the details when they make their travel insurance purchase. Starting with an estimate is a good way to ensure you have coverage in place in case something unexpected occurs.

Travelers often make these changes

Some of the changes that are often made are:

  • Changes to the specific contact information or traveler information
  • Changes to add additional trip costs, such as new tours or airline tickets
  • Changes to add additional family members who decided to come along
  • Changes to your return date (often due to purchasing air fare later)
  • Changes to deductible amounts (either higher or lower) for medical benefits

Adding trip costs to your plan may result in a premium increase, but if your travel costs happen to be lower than you originally estimated, your premium will be reduced and you’ll received a refund for the difference.

When to make policy changes

Changes to your travel insurance policy must be made before you start you trip. All travel insurance plans allow you to change your travel dates and let you increase or decrease the covered trip cost (with appropriate documentation). These changes must be made prior to your scheduled departure date.

It’s important to note that pre-existing medical condition waivers require travelers to purchase an amount of coverage that equals all pre-paid nonrefundable trip expenses.

Changes made during the free review period may include canceling the travel insurance plan if you realize it’s not what you needed for your particular trip.

How to make policy changes

Contact the travel insurance provider to make chances to your policy. When you call them, it’s best to have your travel insurance policy number handy, if possible. You should have received a copy of your travel insurance policy by e-mail (check your spam or junk folder if you don’t immediately find it), and that is where you’ll find not only the travel assistance services hot-line (for when you start your trip), but also the customer service number and your policy number.

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Damian Tysdal
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DamianTysdal

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.