Plans can cover:

  • Trip cancellations, interruptions, and delays
  • Medical expenses, including emergency medical evacuation
  • Delayed, lost, or stolen baggage
  • Cancellations for work reasons or for any reason (only on select plans)
  • Time-sensitive benefits—only if purchased soon after booking:
    • Preexisting condition waiver*
    • Cancel for any reason*

The plans also provide non-insurance travel services like 24-hour medical and legal assistance, concierge and business assistance, and non-medical emergency evacuations.

Review Features (below) for more details.


M&A provides travel insurance options from two partners and each partner has two trip protection products. This comparison provides highlights. For quotes and more details about coverage limits and key provisions, use the links below.



Travel Insured International
Worldwide Trip
Worldwide Trip
Protector Plus
Trip Cancellation
Trip Interruption
Cancel for Any Reason
Interrupt for Any Reason
Trip Delay
Missed Connection
Baggage Loss
Baggage Delay
Emergency Medical/Dental
Emergency Medical Evacuation /Repatriation
Emergency Evacuation
Common Carrier Accidental Death & Dismemberment
Accidental Death & Dismemberment
Financial Default of Travel Supplier (Carrier)
Pre-existing condition waiver
Pre-existing condition waiver trigger
Cancel for Work Reasons
Hurricane Warning Benefit
Itinerary Change/
Change fee
Reimbursement of
Miles or Rewards Points
Car Rental Damage
(not liability)
Free Look

* Not in NY

M&A provides travel insurance options from its partners:

  • Travel Insured International (underwritten by US Fire)

Travel Insured International and United States Fire Insurance Company.

Founded in 1994 by Peter Gehris, Travel Insured International is one of the leading travel insurance providers, offering the highest quality worldwide travel protection for over 20 years. Located in Glastonbury, Connecticut, the company offers an array of travel protection benefits including non-insurance Emergency Assistance and Evacuation, as well as travel insurance benefits including, Trip Cancellation and Trip Interruption Protection, Medical Insurance, Baggage Insurance, Airline Ticket Protection, and more. Travel Insured International maintains relationships with specialty travel providers and tour operators, as well as provides 24/7 assistance that allows you to travel relaxed, travel secured, and travel insured.

Worldwide Trip Protector, Worldwide Trip Protector Plus, Worldwide Trip Protector Lite, and Airline Ticket Protector plans are underwritten by the United States Fire Insurance Company. Fairmont Specialty and Crum & Forster are registered trademarks of United State Fire Insurance Company. Not all coverage is available in all jurisdictions.


Rating Service: A.M. Best Moody’s Standard & Poors Fitch Ratings
United States Fire Insurance Co. A
not rated


Travel Insured International

This website contains highlights of the plans. The plans contain insurance benefits underwritten by the United States Fire Insurance Company. Fairmont Specialty and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015. The plans also contain non insurance Travel Assistance Services that are provided by an independent organization, OnCall International, and not by United States Fire Insurance Company or Travel Insured International. Review the Plan Document for complete terms, including benefits, conditions, limitations and exclusions that apply. The Plan Document will be provided to you upon purchase of the plan. Coverages may vary and not all coverage is available in all jurisdictions.

If you need to file a claim, please contact the claims department as soon as possible.

To file a claim with Travel Insured International (underwritten by US Fire):

You should be prepared to provide your plan number as it appears on your Confirmation of Benefits.

Once you submit notice of your claim, you will receive a claim package that provides the forms and instructions you need to complete your claims submission. Be sure to keep all documentation that may be needed to validate your claim —invoices, receipts, tickets, brochures, and all proofs of payment. You may also need to provide a statement from the airline, cruise, common carrier, or travel coordinator confirming the details of your claim.

If your claim is the result of a sickness, injury, or death (including that of a traveling companion, family member or business partner) additional documentation may be required, including documentation detailing hospital admission and discharge dates, copies of itemized bills, statements from medical providers or attending physicians, medical coverage provided by other insurance plans, authorization for release of medical information, and a death certificate, if applicable. Call your doctor or airline, if required, to begin the process.

To expedite your claim, make sure your claim forms are complete. Be sure to provide all necessary documentation with your submission. Once your claim forms are submitted, Travel Insured will send your travel supplier a Coordinators Statement that must be completed and returned by your travel supplier before your claim can be reviewed. You can review the status of your claim online at any time or contact a Claims representative at the number above to review the status of your claim.

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