Travelex Insurance for Americans
Table of Contents
- Travel Insurance Introduction and Eligibility
- Policy Types and Definitions
- Evacuation / Air Ambulance membership programs
- Insurance for American Clients (Travelex)
- Insurance for Canadian Clients (Manulife)
Insurance for American Clients (Travelex or Travelex plus Manulife)
I can offer the following insurance to my American clients (all are per person and links below are for California residents. Actual policies are based on residence; each state has slightly different conditions. Ask me for a state-specific policy before purchase):
Travelex Basic, with maximum trip cancellation (nonrefundable) cost of USD 10,000, up to 30 days duration, with USD 15,000 in emergency medical plus some (very few) other package benefits. No CFAR.
Policy Flyer
Travelex Deluxe, with maximum trip cost of USD 100,000, any duration, and USD 50,000 in emergency medical plus many other package benefits. No CFAR.
Policy Flyer – Full Policy
Travelex Select, with maximum trip cost of USD 50,000, any duration, and USD 50,000 in emergency medical plus many other package benefits. CFAR limited to the lesser of 50% of trip cost or USD 5,000 and must be cancelled at least 14 days prior to planned departure. Policy must be purchased within 15 days of frist payment on trip.
Full Policy
Manulife Cancellation with maximum trip cost of CAD 30,000* (approx USD 23,500), no medical (add a Travelex policy with zero cancellation coverage to secure medical protection). CFAR of 50% of trip cost if cancelled at least 14 days prior to planned departure (and policy purchased at time of first payment on trip). This policy can be purchased by any international traveller.
Full Policy
*Manulife's $30,000 trip limit may be appealed with completion of a special medical questionnaire for that purpose.
Examples of rates for a 50-yr-old traveller, one week trip duration, USD 10,000 trip cost in nonrefundable elements:
(Rates quoted were effective on January 5, 2022, and are subject to change without notice; rates only confirmed when policy is purchased, and are provided here as a comparison only)
Trip Cancellation & Emergency Medical only (no CFAR):
I can offer the following insurance to my American clients (all are per person and links below are for California residents. Actual policies are based on residence; each state has slightly different conditions. Ask me for a state-specific policy before purchase):
Travelex Basic, with maximum trip cancellation (nonrefundable) cost of USD 10,000, up to 30 days duration, with USD 15,000 in emergency medical plus some (very few) other package benefits. No CFAR.
Policy Flyer
Travelex Deluxe, with maximum trip cost of USD 100,000, any duration, and USD 50,000 in emergency medical plus many other package benefits. No CFAR.
Policy Flyer – Full Policy
Travelex Select, with maximum trip cost of USD 50,000, any duration, and USD 50,000 in emergency medical plus many other package benefits. CFAR limited to the lesser of 50% of trip cost or USD 5,000 and must be cancelled at least 14 days prior to planned departure. Policy must be purchased within 15 days of frist payment on trip.
Full Policy
Manulife Cancellation with maximum trip cost of CAD 30,000* (approx USD 23,500), no medical (add a Travelex policy with zero cancellation coverage to secure medical protection). CFAR of 50% of trip cost if cancelled at least 14 days prior to planned departure (and policy purchased at time of first payment on trip). This policy can be purchased by any international traveller.
Full Policy
*Manulife's $30,000 trip limit may be appealed with completion of a special medical questionnaire for that purpose.
Examples of rates for a 50-yr-old traveller, one week trip duration, USD 10,000 trip cost in nonrefundable elements:
(Rates quoted were effective on January 5, 2022, and are subject to change without notice; rates only confirmed when policy is purchased, and are provided here as a comparison only)
Trip Cancellation & Emergency Medical only (no CFAR):
- Travelex Basic: USD 400
- Travelex Deluxe: USD 710
- Travelex Select: USD 932 (must be purchased within 15 days of first payment)
- Manulife: CAD 806 (c. USD 635) + USD 25 for Travelex Deluxe Medical* = c. USD 660 (must be purchased within 72 hours of first payment)
- Manulife: CAD 806 = c. USD 635 (must be purchased within 72 hrs of first payment)
Errors and Omissions: Insurance is extraordinarily complicated, and evolving. Prices and details provided here are for informaiton only. Please refer to the policy links provided for full details, and whom to call for official clarification.