Should I purchase insurance for the total pre-paid, non-refundable cost of my trip?

Yes. You should determine your premium amount based upon the total cost of your trip per person, including airfare. You do not need to include the cost of any travel arrangements that are refundable and not subject to cancellation charges or restrictions.

If you insure an amount less than your total prepaid trip costs that are subject to cancellation penalties or restrictions:

1. the maximum benefit for the Pre-Departure Trip Cancellation and/or Post-Departure Trip Interruption will be limited to the amount of coverage you purchased; and

2. there will be no coverage available under the optional Cancel For Any Reason benefit, if purchased. Also, there will be no waiver of exclusion for Pre-Existing Conditions and financial insolvency.

The Travel Insurance Experts