Trip Cancellation & Travel Insurance
Play Travel Protection: Trip Cancellation & Travel Insurance for U.S. and Non-U.S. Travelers
Protection against unforeseen circumstances that may affect your trip before or during your scheduled dates. Without protection, you could lose part, or all, of your trip costs if unexpected events occur.
Play Travel Protection provides comprehensive coverage with straightforward claims processing and instant documentation.
Plans and Pricing
Coverage varies based on location. Separate plans are available for US travelers, Canadian travelers, and travelers from other regions. See below for details.
Basic Protection*
For U.S., Canadian, and International Residents
- Plan Cost: 7.0% of total trip cost
- Covers 100% of trip costs for cancellations or interruptions due to listed covered reasons
- Purchase windows:
- At time of initial booking
- Within 14 days of initial booking
Enhanced Protection*
For U.S. and Canadian Residents Only
- Plan Cost: 10.8% of total trip cost
- Covers 100% of trip costs for cancellations or interruptions due to listed covered reasons
- OR: 60% coverage for cancellations due to non-listed reasons
- Purchase windows:
- At time of initial booking
- Within 14 days of initial booking
*IMPORTANT: Please refer travelers to their plan document for specific coverage details. This document provides a general overview and does not constitute the full terms and conditions of coverage.
Comprehensive Coverage
Life is unpredictable. Play Travel Protection protects your travelers against many situations, including:
- Illness, injury, or death directly affecting traveler, their traveling companions, or their immediate family members
- Natural disasters causing mandatory evacuation or rendering the property inaccessible or uninhabitable
- Inclement weather causing major delays or cancellation of travel
- Unexpected work-related events (e.g., job transfers, mergers, acquisitions)
- Legal obligations (e.g., jury duty, court appearances, subpoenas)
- Mandatory quarantine
Here When You Need Us
Travel protection comes with dedicated support:
Full documentation sent immediately via email
Dedicated claims team
Quick response customer service
US Residents
Play Travel Protection, travel protection for US Residents is offered by InsureStays.
Travel Protection Contact—US Residents
Claims & support: (888) 885-5550
Email: [email protected]
Offered by: www.insurestays.com
Schedule of Benefits—US Residents
For complete plan details, please visit playtravelprotection.com/ptcf/.
Note: All references to currency are in United States Dollar.
Section IV—Travel Arrangement Protection Benefits
| Benefit | Maximum Benefit Amount |
|---|---|
| Trip Cancellation | 100% of non-refundable insured trip cost up to a maximum of $100,000 |
| Trip Interruption | 100% of non-refundable insured trip cost up to a maximum of $100,000 |
| Trip Delay | Up to $600 |
| Single Supplement | Included |
| Medical Evacuation and Repatriation of Remains | Up to $250,000 |
| Medical Evacuation | Included |
| Medically Necessary Repatriation and Repatriation of Remains | Included |
| Ancillary Medical Evacuation | Up to $10,000 included |
| Transportation of Children & Child | Included |
| Bedside Visit Transportation to Join You | Included |
| Cancel For Any Reason**—available for travelers who purchase this benefit within 14 days of your booking | 60% reimbursement of non-refundable insured trip cost included (Cancellation MUST be made 48 hours or more before scheduled trip departure date.) |
Section V—Protection For Your Belongings
| Benefit | Maximum Benefit Amount |
|---|---|
| Baggage and Personal Effects | Up to $1,000 subject to per item maximum of $300 |
| Items subject to Special Limitations | $500 maximum combined |
| Sports Equipment Rental | Up to $1,000 |
| Baggage Delay (12 hours) | Up to $1,000 |
Section VI—Travel Insurance Benefits
| Benefit | Maximum Benefit Amount |
|---|---|
| Emergency Accident & Sickness Medical Expense | Up to $25,000 |
| Dental Expense Sublimit | Up to $500 |
Section VII—Accidental Death and Dismemberment
| Benefit | Maximum Benefit Amount |
|---|---|
| Accidental Death and Dismemberment | Aggregate $100,000 |
| 24-Hour | $25,000 |
| Exposure | Included |
| Disappearance | Included |
| 15 Day Free Look Period | Maximum Trip Length 110 days |
*IMPORTANT: Please refer travelers to their plan document for specific coverage details. This document provides a general overview and does not constitute the full terms and conditions of coverage.
US Plan Conditions & Eligibility
Free-look period
Optional benefits
Who is eligible for coverage?
Non-refundable provision
Pre-existing medical condition exclusion waiver
The Pre-Existing Medical Condition exclusion will be waived by the Insurer if all of the following conditions are met:
- Your payment for this plan and enrollment form is received within the time-sensitive period; and
- You or your traveling companion are medically able and not disabled from travel at the time your plan cost is paid based on assessment of a physician.
Summary limitations
Legal Disclaimer—US Residents
Play Travel Protection plans are underwritten by United States Fire Company and offered through InsureStays, a dba of Sandhills Insurance Group, LLC, NPN 16269113. Sandhills Insurance Group, LLC, is a licensed agency, in California dba InsureStays Insurance Agency, LLC, (CA license # 0M14453); dba InsureStays Agency in Florida. Contact InsureStays by mail at 4605 Duke Dr. #300, Mason, OH 45050 , by phone at (888) 885-5550, or by email at [email protected]. Visit https://www.insurestays.com/ for more information.
Travel retailers are not licensed insurance producers, agents, or insurance experts. Travel retailers may only provide general information such as a description of the coverage provided and the price. Travel retailers can also process your application and collect your premiums. Travel retailers cannot answer specific questions about your policy. Any questions you have about your policy, including coverage, benefits, exclusions, terminology, and/or conditions should be directed to InsureStays and/or to the insurance carrier underwriting the policy. Similarly, any questions you may have as to your current existing insurance coverage, or the adequacy of such coverage, should be directed to InsureStays or other licensed insurance producer/agent/agency.
Canadian Residents
Play Travel Protection, travel protection for Canada residents is offered by CanAm Special Risk Insurance Agency (2018) Limited.
Play Travel Protection Contact—Canada Residents
Claims & support: 1-877-251-4525
Email: [email protected]
Schedule of Benefits—Canadian Residents
For complete policy details, please visit playtravelprotection.com/canadian-coverage-overview/.
Note: All references to currency are in United States Dollar.
Benefits—US/Canadian citizens traveling in Canada
| Benefit | Limits |
|---|---|
| Trip cancellation | 100% of trip cost up to $100,000 |
| Trip interruption | 100% of trip cost up to $100,000 |
| Trip delay | Up to $600 (maximum $200 per day, minimum 6 hour delay) |
| Maximum trip length | 90 days |
| Cancel for any reason | Optional 60% reimbursement of non-refundable trip cost available for additional charge. |
| Baggage/personal effects | Up to $1,000 (limit of $300 per item) |
| Baggage delay | Up to $1,000 (minimum 12 hour delay) |
| Emergency medical evacuation / Medically necessary repatriation / Repatriation of remains | $250,000 |
| Emergency travel assistance | Included |
| Pre-existing conditions | Covered if purchased within 14 days of initial trip deposit. See plan document for other applicable conditions. |
| Maximum Eligible Trip Cost | $100,000 |
*IMPORTANT: Please refer travelers to their plan document for specific coverage details. This document provides a general overview and does not constitute the full terms and conditions of coverage.
*Up to the lesser of the Trip cost paid or the limit of Coverage on Your Confirmation of Benefits
**Cancel For Any Reason travel protection must be purchased for the optional 60% CFAR benefit to apply. The trip must be cancelled two (2) days or more before the scheduled departure date listed on the Schedule of Benefits for the CFAR benefit to apply.
Canadian Plan Conditions
- Coverage is not eligible for residents of Quebec.
- Maximum trip length for residents of Canada is 90 days.
- Travel protection for residents of Canada underwritten by Northbridge Insurance, 105 Adelaide St W, Toronto, ON M5H 1P9, Canada.
- Travel protection for residents of Canada is offered by CanAm Special Risk Insurance Agency (2018) Limited, PO Box 62, Station A Windsor, Ontario N9A 6J5.
International Residents
Travel Guardian by UnitedHealthcare Global (Global to U.S. destinations) offers eligible non-U.S. residents who have purchased Travel Guardian coverage a range of benefits, including travel medical insurance, trip cancellation protection, and non-insurance travel assistance services for the United States. For detailed information about the travel medical and trip cancellation plans, please refer to the example policy below.
Travel Protection Contact—Residents of Countries Outside the U.S. and Canada
Claims & support: (844) 333-6476
Email: [email protected]
Schedule of Benefits—International Residents
All references to currency are in United States dollars.
Plan Cost: 7.00% of Reservation Total
Benefits and Limits—International (non-U.S.) Residents Traveling to the U.S.
| Benefit | Limits |
|---|---|
| Trip Cancellation | 100% of Insured Trip Cost; $50,000 maximum, per policy |
| Hurricane & Weather | Included |
| Cancel for Work Reason | Included |
| Trip Interruption | 100% of Insured Trip Cost, per policy |
| Trip Delay | 12+ hour delay $200 per day; $600 maximum, per policy |
| Baggage Loss | $250 per item; $500 maximum, per person* |
| Baggage Delay | 24+ hour delay; $250 maximum, per person* |
| Sporting Equipment Loss | $1,000 maximum, per person* |
| Sporting Equipment Delay | 6+ hour delay; $200 maximum, per person* |
| Accidental Death & Dismemberment (AD&D) 24-hour Full Coverage | Principal Sum $25,000, per person* — Included |
| AD&D Common Carrier | Included in 24-hour Full Coverage |
| Accident & Sickness Medical Expense | $25,000 maximum, per person; $100,000 maximum, per policy |
| Emergency Dental Treatment | $500 maximum, per person* |
| Palliative Dental Treatment | $500 maximum, per person* |
| Medical Evacuation | $1,000,000 maximum, per policy |
| Emergency Reunion | Included |
| Return of Dependent Child(ren) | Included |
| Medical Repatriation | Included |
| Return of Remains | $25,000 maximum, per person* |
| Maximum Eligible Trip Cost | $50,000 |
*IMPORTANT: Please refer travelers to their plan document for specific coverage details. This document provides a general overview and does not constitute the full terms and conditions of coverage.
International Plan Conditions & Eligibility
- Maximum eligible length of trip is ninety (90) days.
- Maximum eligible age is 85 years old.
- 30 Day Free Look: If You are not satisfied for any reason, You may cancel Insurance under this Policy by giving the Company or the agent written notice within: (a) 30 days from the effective date of your insurance; or (b) prior to your scheduled departure date, whichever occurs first. If you do this, your premium will be refunded, provided you have not already departed on the trip or filed a claim. If premium is returned, all coverages under this policy are invalid from date of initial purchase.
Who Is Eligible For Coverage
The person who is booked on a trip and up to nine additional traveling companions that pay the required costs are covered under this plan.
Non-Refundable Provision
After the 30-day free-look review period, the cost for this plan is non-refundable.
Pre-Existing Medical Condition Exclusion Waiver
The Pre-Existing Medical Condition exclusion will be waived by the insurer if all of the following conditions are met:
- Your payment for this plan and enrollment form is received within the time sensitive period; and
- You or your traveling companion are medically able and not disabled from travel at the time your plan cost is paid based on assessment of a physician.
Plan Details & Disclosure
Policyholder and insurer
The Policy is a legal contract between the Policyholder ITA Global Trust Ltd. As Trustee of the Global Solutions Insurance Trust, Governors Square Unite 3-107A, PO Box 32203, Grand Cayman, KY1-1208, Cayman Islands and the Insurer, H&W Indemnity SPC for and on behalf of Global Solutions SP.
This Policy is issued in the Cayman Islands by H&W Indemnity SPC for and on behalf of Global Solutions SP to ITA Global Trust Ltd. As Trustee of the Global Solutions Insurance Trust. By completion of this enrolment, the applicant is applying to be a Plan Participant of the Global Solutions Insurance Trust (the “Trust”) and to participate in the insurance coverage extended to participants under the Trust by H&W Indemnity (SPC) Ltd. for and on behalf of Global Solutions SP (the “Company”) to Plan Participants under the Trust (the “Coverage”).
This Policy is not subject to U.S. jurisdiction.
Reviewing your schedule of benefits
It is important that the Purchaser and Traveling Companion(s) read the Policy carefully. Please refer to the Schedule of Benefits, which provides specific information about the program purchased. The purchaser should contact the travel supplier or insurer: H&W Indemnity SPC Ltd. for and on behalf of Global Solutions SP immediately if purchaser believes that the Schedule of Benefits is incorrect.
Purchaser should confirm the benefits and coverages for the plan that purchased. Defined terms are capitalized, and their meanings are listed in the policy under Definitions, Section III.
Sanctions and excluded countries
Any payments under the Policy will only be made in full compliance with all United States economic or trade sanction laws or regulations, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC). Therefore, any expenses incurred, or claims made involving travel that is in violation of such sanctions, laws, and regulations will not be covered under the policy. For more information, you may consult the OFAC internet website at www.treas.gov/resource-center/sanctions or a Company representative. In addition, coverage is not available in certain countries. For a complete list of excluded countries, please visit www.uhcsafetrip.com.
Partial summary notice and how to request your plan document
This Schedule is only a partial summary of your coverage benefits. Your coverage benefits, including any exclusions, conditions and limitations, are described in full in the plan document, a copy of which will be emailed or mailed to you upon purchase (click “View Sample Policy Document” to view a sample). If you do not receive a copy or want a replacement, please call (843) 286-5144 or email your request to [email protected].
This Program is provided only via licensed agents, authorized retailers or authorized referral affiliates.
Contact & Claims
U.S. Residents
Offered by InsureStays
Claims & support: (888) 885-5550,
[email protected],
www.insurestays.com
Canadian Residents
Offered by CanAm Special Risk Insurance Agency (2018) Limited
Claims & support: 1-877-251-4525,
[email protected]
International Residents
Travel Guardian by UnitedHealthcare Global
Claims & support: (844) 333-6476,
[email protected]
**Cancel For Any Reason travel protection must be purchased for the optional 60% CFAR benefit to apply.