We offer Travel Insurance plans for everyone’s budget. We offer exclusive Good/Better/Best Plans to choose from that are underwritten by carriers rated “A+” (Strong) by Standard & Poor’s and “A” (Excellent) by A.M. Best for when it really matters.

Yes our plans offer travel insurance for those who are 75Yrs old. You can buy our Comprehensive Trip Protection plans up to 100 years old. Our exclusive plans are underwritten by carriers rated “A+” (Strong) by Standard & Poor’s and “A” (Excellent) by A.M. Best for claims-paying ability for when it really matters.

Yes our plans offer travel insurance for those who are over 75 yrs of age . You can actually buy our Comprehensive Trip Protection plans up to 100 years old! Which makes you lucky for a couple reasons, you’re ALIVE, and you’re TRAVELING!

Yes you can.  If you reside in the same state and are traveling together you can enroll in a single plan even if you are not living together.  If you reside in separate states, a separate plan must be purchased based on one’s state of residence.  The exception would be a student whose primary residence and address is their home state if not considered a permanent resident where they  go to school.

Trip Insurance covers your non-refundable costs.  Take all those costs that are non-refundable and total them together to determine the amount to insure.

Only if you buy the optional benefit CFAR (Cancel For Any Reason).   CFAR allows you to cancel your entire trip two (2) or more days before your scheduled departure date for any reason not already covered on the standard policy and will cover 75% of the non-refundable costs.    Without this optional benefit, a standard trip insurance plan generally covers when you have to cancel your trip for loss of a job, injury, or illness to you or a family member.

Generally, travel insurance protects your non-refundable costs if you have to cancel your trip for a covered reason, offers coverage if your trip is interrupted, covers out of pocket medical costs and an emergency evacuation due to a medical emergency, along with many other benefits that can offer you peace of mind when traveling.  Knowing you have protection against unexpected events can make your travel less stressful.  The specific benefits can vary depending on the plan and underwriter.

There are many benefits and protections to travelers.  Generally, travel insurance protects your non-refundable costs if you have to cancel your trip for a covered reason, offers coverage if your trip is interrupted, covers out of pocket medical costs and an emergency evacuation due to a medical emergency, along with many other benefits that can offer you peace of mind when traveling.  Knowing you have protection against unexpected events can make your travel less stressful.  The specific benefits can vary depending on the plan and underwriter.

Trip Plans are worth paying the premium in order to have financial protection from the losses you may incur before or during a trip.  Beyond protecting your trips’ non-refundable costs due to unexpectedly canceling your trip or your trip being interrupted and numerous other benefits, there is also peace of mind in the event of an emergency:  if you are hospitalized you have coverage for your out-of-pocket medical expenses and if necessary a medical evacuation.

It depends.  Each plan is different and the claims paying history of the Insurance Company which underwrites  the plan is important.  Some plans out there are very limited in coverage, and you want a reliable underwriter for when you do have a claim.  All of TME’s Travel Insurance Trip Plans are worth paying the premium in order to have financial protection from the losses you may incur for a canceled or interrupted Trip    We also provide peace of mind in the event of an Emergency:  If  you are hospitalized your out of pocket medical expenses and if necessary under certain circumstances a medical evacuation are covered.  Our underwriter carry  a Financial Strength Rating of A+ (Superior) from AM Best

Trip and Travel Insurance can be intertwined or mean different things.  For TME Travel Insurance we offer three Trip Plans that include the cost of the trip, out-of-pocket costs associated with a medical emergency, and an emergency evacuation.  We also offer two other limited Travel Insurance Plans, one that includes only medical emergencies and an emergency evacuation and another that includes coverage for an emergency evacuation.  Both of these plans offer the added optional benefit of taking you to a hospital back home in the U.S.

You can.  But you will have better benefits and limits buying from a company like TME Travel Insurance, where they offer comprehensive benefits with higher limits, more coverage, and you can bundle all of your trip costs under one policy.

They may include some coverage. You should call them directly and ask specifically what is covered.  But similar to the limitations of adding trip cancellation insurance to your flight, you will have better benefits and coverage limits buying from a company like TME Travel Insurance, We offer comprehensive benefits with higher limits and you can bundle all of your trip’s costs under one policy when you buy from us.

No, it is usually less expensive and much less complex and time-consuming to buy one policy that will cover all your covered expenses.

Get a quote in 2 minutes, plus 2 minutes to issue your own policy online using our state-of-the-art quoting platform.

We only use the best insurance companies. When you have a covered claim, we don’t want anything less than a stellar claims service for our customers.   TME Travel Insurance carriers are AM Best rated A(Superior).

Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered unless you add the ‘Cancel For Any Reason’ optional coverage.  In the case of “Cancel For Any Reason” your trip costs are covered up to 75% of your total trip costs.  See more on this in our Trip Cancellation FAQ section below.

While travel insurance costs vary, the average is somewhere between 4-8% of your total trip cost*. If you’re on the fence, then consider this: an emergency can cost tens of thousands of dollars, but the insurance plan might be a fraction of your trip cost.

Though you may pay 4 to 8 percent of your trip cost for travel insurance, travel insurance is often worth the investment for its potential to help reimburse you for hundreds of thousands of dollars of covered travel-related expenses like emergency evacuation, medical bills from the hospital, and costs related to unexpected trip cancellation, delay, or interruptions.

Buy travel insurance as soon as you know your travel dates and immediately after paying for your trip.   See more on this in our Trip Cancellation FAQ section below.

Travel insurance costs, like any other kind of insurance, are based on risk. Because older travelers are more at risk for health problems, the cost of travel insurance rises with age. This doesn’t mean, however, that travel insurance is out of reach for older travelers.

Trip Protection Plans, also generally called Travel Insurance, offer protection for unexpected trip cancellation, delay or interruption along with medical expenses and evacuation for emergency illness and injury. Trip Cancellation has the highest frequency of claims.

We offer 3 Trip Insurance Plans (Good/Choice, Better/Preferred, Best/Elite) that offer benefits when a trip is canceled, delayed, or interrupted, and includes emergency medical and evacuation protection.  We also offer a plan for those who don’t have or want their nonrefundable trip costs to insure, but want to have emergency medical and evacuation protection with the added benefit of an evacuation back to your home hospital in the U.S.  We also offer a plan for those who aren’t concerned with nonrefundable trip costs, or emergency medical expenses and only are interested in an emergency evacuation protection plan that includes the benefit of flying you back to your home hospital in the U.S.   This plan is also a good complementary plan to add to any of the 3 (Good/Choice, Better/Preferred, Best/Elite) Trip Insurance plans, although all 3 of the Trip plans include emergency evacuation protection, this plan has the added benefit of flying you back to your home hospital in the U.S.

You need to insure the total amount of your non-refundable trip costs to get the most benefits and qualify for the coverage. 

Our online quote to purchase process is straight forward and usually takes 5 minutes to complete.  You will need to know your travel dates and the total cost of your trip along with trip participants’ names and ages.

Although most people in different households purchase their own plans, if you reside in the same state you can enroll in a single plan even if you are not living together.  If your traveling companion resides in a different state, a separate plan must be purchased for residents of each different state to ensure coverage and comply with State insurance regulatory rules.

A 24-hour 7 day a week Travel Assistance service through our assistance provider, On Call International.  We provide this service to all our TME Travel Insurance Plan Holders.  If you have any travel questions or need assistance during your travels, please call our complimentary service provider.

Almost! Countries currently excluded include Algeria, Belarus, Chad, Chechnya, Congo DR, Cuba, Iran, Ivory Coast, Liberia, North Korea, Palestinian Territories, Russia, Sierra Leone, Republic of South Sudan, Republic of Sudan, Syria, and Somalia, but this is subject to change.  This is due to some remote areas such as islands, arctic circle, Antarctica, and other regions may not have medical services available to properly assess and determine whether a medical transport is warranted. These regions may also lack sufficient access to airports that can handle medically equipped air ambulance jets and the requirements needed to land and take off from such areas.

Like all insurance policies, each benefit has a maximum dollar limit based on the plan selected.  You can review these on our home page, www.TMEtravelinsurance.com by selecting any plan and entering your state.

For Trip Cancellation costs, you must purchase a separate policy for each trip.  For Medical expense and Evacuation coverage, we indeed do offer annual plans.  (Currently we do not offer these plans for NY, WA, and FL).

Medical expense coverage for travel insurance is generally secondary or excess to one’s primary health insurance. When filing a claim for reimbursement, your health insurance information is required, and benefits are coordinated with your primary plan. Eligible expenses typically include physician services, hospital confinement, use of operating rooms, laboratory tests, X-Rays, examinations or treatments, prescribed drugs, and emergency dental expenses. Please see your specific plan certificate for more details on eligible expenses covered and plan limits. Please review your plan document or visit our Claims Page for more details and the appropriate form(s) to submit for reimbursement under your plan.