This coverage reimburses up to 100% of your pre-paid, nonrefundable travel costs when you are prevented from starting your trip because your passport or visa is lost or stolen. This is a listed covered reason under trip cancellation coverage and trip interruption coverage.
| Contents (click to jump down) What does Loss or Theft of Passport/Visa cover? Important notes about this coverage What type of policy covers this? How much coverage does each company provide? Summary |
Let us tell you a story
Andrea and Brian had long planned a summer getaway to the Fiji Islands. They had pored over the guide books and made plans. When Brian’s car was broken into a few days before the start of their trip, they were horrified when they realized the thieves had made off with Brian’s passport.
Brian worked with the police and made a report of the break-in while Andrea called their insurance company. Unfortunately, it would be weeks before they could get an updated passport for Brian, so they were forced to cancel their trip. With the police report, however, they were able to make a claim on their travel insurance policy and received a check for all their pre-paid expenses. They would work on replacing Brian’s passport and reschedule the trip as soon as they could.
What does Loss or Theft of Passport/Visa cover?
As part of the covered reasons for pre-trip cancellation, this coverage lets you cancel your trip and receive reimbursement for your pre-paid nonrefundable trip costs (up to the policy limit) if your travel documents (passport or visa) is lost or stolen prior to starting your trip.
Important notes about this coverage
- Your claim must be verifiable with documentation, so be sure to report the loss and get a copy of the report
What type of policy covers this?
This is a covered reason for trip cancellations, and as such, it is found in travel insurance package plans with trip cancellation coverage.
How much coverage does each company provide?
| Plan | Company | Loss or theft |
|---|---|---|
| None | Allianz | |
| Custom | CSA | Yes |
| Custom Luxe | CSA | Yes |
| None | FrontierMEDEX | |
| Essentials | Global Alert | Yes |
| Preferred | Global Alert | Yes |
| Preferred Plus | Global Alert | Yes |
| Trip Protect e-Saver | HTH Worldwide | Yes |
| Trip Protector | HTH Worldwide | Yes |
| Trip Protector Preferred | HTH Worldwide | Yes |
| None | IMG | |
| Asset | MH Ross | Yes |
| Bridge | MH Ross | Yes |
| Complete | MH Ross | Yes |
| None | Seven Corners | |
| None | Travel Guard | |
| Elite | Travel Insurance Services | Yes |
| Plus | Travel Insurance Services | Yes |
| Basic | Travel Insurance Services | Yes |
| None | Travel Insured | |
| Basic | Travelex | Yes |
| Travel Select | Travelex | Yes |
| Travel Max | Travelex | Yes |
| TraveLite | Travelex | Yes |
| Travel Plus | Travelex | Yes |
| Vacation Classic | TravelSafe | Yes |
| Protect-a-Group | TravelSafe | Yes |
Summary
- Not all travel insurance plans have coverage for every schedule conflict, so carefully review your plan’s covered reasons
- The theft must be verifiable with documentation (such as a police report)
- As always, we recommend that you retain copies of these important documents when you travel