Trip Mate Why Purchase Travel Protection

Why Purchase Travel Protection


Affordable Rates

The easy, affordable way to protect your vacation investment! Missing a vacation is bad enough. Losing the money you paid for your vacation is even worse. The Overseas Adventure Travel Protection Plan is your ticket to worry-free travel. Now you can protect your travel investment at a very affordable group rate -- take the peace of mind with you when you travel.

Cancel For Any Reason Waiver

When you purchase the Travel Protection Plan, you also qualify for the Overseas Adventure Travel Cancellation Waiver Benefit that allows you to cancel your Overseas Adventure Travel Arrangements before your scheduled departure FOR ANY REASON. For complete details of the Overseas Adventure Travel Cancellation Waiver Benefit, see Plan Documents for full details. 

Pre-Existing Condition Exclusion Waiver

The exclusion for Pre-Existing Conditions will be waived if payment for this plan is received by Overseas Adventure Travel within 14 days of your initial deposit/payment for your Trip.

Below is a brief listing of the plan benefits.
Part A - The Travel Arrangement Protection Benefits of this Part A are provided by Overseas Adventure Travel.*


Schedule of Benefits - Part A

BenefitMaximum Benefit Amount
Trip Cancellation Trip Cost
Trip Interruption Trip Cost
Missed Connection $750
Travel Delay (Up to $150 Per Day) $750

* For New York Residents Only: 1) Part A Benefits are insurance benefits underwritten by United States Fire Insurance Company; and 2) The Cancel For Any Reason Waiver Benefit may be purchased separately without purchase of the Travel Protection Plan.

Part B - The Travel Insurance Benefits of this Part B are provided by United States Fire Insurance Company.


Schedule of Benefits - Part B

BenefitMaximum Benefit Amount
Accidental Death and Dismemberment $25,000
Medical Expense/Emergency Assistance
Accident and Sickness Medical Expense
Emergency Evacuation and Repatriation
One Call 24-Hour Assistance Services
Baggage and Personal Effects $1,500
Baggage Delay $250

Why you should purchase Travel Protection


If your Trip is Canceled or Interrupted, Your Travel Investment is Protected

If you are like a lot of people these days, you don't just look forward to your vacations, you need them. A vacation is your opportunity to rest, relax, and recharge your batteries. Or to catch up with friends and family. Unfortunately, many things happen that might cause you to cancel your travel plans or cut them short. Illness or injury. The death of a family member. The worst part is, without adequate protection, you can lose your travel investment. The Overseas Adventure Travel Protection Plan protects your travel investment if your Trip is canceled or interrupted for a covered reason such as injury, illness or death of you, a Family Member, a Traveling Companion or a Business Partner.

If you must interrupt your Trip or return home early for a covered reason, the plan will pay (up to the original cost of your Trip) for your unused land or water Travel Arrangements, less any refund paid or payable, plus the Additional Transportation Cost to return home or rejoin your Trip.
Medical Expense and Emergency Assistance Benefits Could Be a Real Lifesaver!
If you have a serious illness or injury, the last thing you want to worry about is getting the care you need. The Overseas Adventure Travel Protection Plan gives you peace of mind with benefits that cover, up to the plan's limits, everything from medical expenses (incurred during your Trip) to special transportation (such as an air ambulance) required for medical reasons.
Travel Delayed? You're OK!
You’ll be reimbursed up to $150 per day (to a maximum of $750 total) for meals and accommodations if your Trip is delayed for more than 12 hours for a covered reason.
Baggage Lost or Damaged? You're Protected!
It’s a traveler’s nightmare. You arrive at your destination, but your baggage has disappeared. Or has been stolen or damaged. What do you do? If you’re protected by the Overseas Adventure Travel Protection Plan, you’ll be reimbursed up to $1,500 to replace or repair your lost or damaged luggage and personal articles.
Baggage Delayed? Need Clothes and Toiletries? Count on us!
The Overseas Adventure Travel Protection Plan reimburses you up to $250 to help cover the cost of clothing, toiletries and/or personal items if your baggage is delayed for more than 24 hours while you are on your Trip.
Accidental Death Benefit
Your beneficiaries will receive payment according to the plan's Schedule of Benefits for Accidental Death which occurs within 180 days of an injury sustained while you are on your Trip.
The Travel Protection Plan is Administered by:
Trip Mate, Inc.* 
9225 Ward Parkway, Suite 200
Kansas City, Missouri 64114
Tel: 1-800-888-7292
Plan Number: F394B

*In CA & UT, dba Trip Mate Insurance Agency
The Travel Insurance is Underwritten by:
United States Fire Insurance Company under Form series TP 401. In KS, LA, SD, TX, and UT Form #’s TP-401 CW. In WA under Form #TP-401-WA. In OR under Form #TP-401 OR.

Notice: If you are a resident of one of the following states (KS, LA, MN, OR, SD, TX, UT, WA) Your coverage is provided on an individual policy form. Your policy number is Your complete name plus F394B. If You live in any other state Your coverage is provided via a certificate. Your policy or certificate (including State Exceptions for AR, FL, GA, ID, IL, KS, LA, ME, MN, MS, MO, MT, NH, NY, OR, SC, SD, TX, UT, VT, WA, WV, WI, and WY) and all General and “COB” Provisions are available at  You can also request this information by calling Trip Mate at 1-800-888-7292.

To review the complete details about the Overseas Adventure Travel Protection Plan, see Plan Documents for full details.