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Policies & Claims
# Changing Your Travel Plans
## Tag
Policy Changes
## Author
Sara B
## Published
May 27, 2015
## Last Updated
January 23, 2025
## Share
Often, you’ll need to purchase insurance well before you’ve booked all your travel arrangements. You may not be booking your airfare for several months. Maybe you aren’t sure of your exact dates of travel. Perhaps you’ll be booking excursions or tours as you get closer to your trip and want to make sure they’re included in your trip cost.
Whatever the case, once you have purchased a policy it’s a simple matter to make changes to the details and update a travel insurance plan. Total trip cost, destination, or the dates of travel can be adjusted once you have purchased coverage, usually right up until the day before you depart on your trip (**although we strongly recommend you don’t wait until then!**).
The process of updating a travel insurance plan is relatively simple. If you need to make a change, just contact our Customer Care department with your Confirmation/Order Number and let one of our representatives know what you need to adjust in your policy. The representative will update your policy to see if these changes will affect your premium. If you are increasing the trip cost or adding days to the length of your trip, you may need to pay an additional charge for the additional coverage. Not to worry though; there’s no penalty fee for changing your policy. You are only charged the difference between the original cost and the updated cost. Conversely, if you need to reduce the total trip cost or will be traveling for a shorter period than you originally planned on, this may result in a refund of excess premium .
**Once you confirm that you would like to proceed with the change, we will need two things from you:**
1. An email confirmation stating that you would like us to make the changes to your coverage, and your permission to charge the additional premium.
2. You will need to call us with your credit card information if there is an increase/refund of premium unless you want to use the card that you purchased the policy with.
Once we have these, we will send the information to the insurance company to have the policy updated.
Changes are typically handled quickly but can take up to 24-48 hours for the company to complete. As soon as they have processed the changes, an updated Confirmation and Policy will be emailed to you.
This is how making a change to a travel insurance plan generally works. There can be some exceptions depending on the insurance company and the type of policy you have.
**Disclaimer:** The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
## 12 Questions
* Question
  Does the insurance cover cancellation of trip due to non issuance of visa
  By SohailM - September 9, 2018
+ Answer
  For this particular concern, you would need a policy that has Cancel for Any Reason as this is not a covered reason with Trip Cancellation.
  There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.
  By MattG - September 10, 2018
  Is there an insurance that will cover the cost of the trip if the travellers decide to cancel because of the Coronavirus?
  By DonnaP - March 13, 2020
  Standard comprehensive travel insurance policies do not cover fear of travel. If fear of travel is the main concern, you would want to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.
  By Meghan - March 13, 2020
  Does trip cancellation coverage apply if the cruise lines cancels the trip you have insured?
  By ElsieR - March 14, 2020
  Trip Cancellation only provides coverage for specified reasons listed in the policy certificate. If the travel suppliers cancel, they are generally responsible for reimbursing you.
  The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.
  By MattG - March 16, 2020
  Am I able to purchase Nationwide Cruise Travel insurance if just part of the trip is a cruise and the other half is a safari?
  By RenaeS - March 30, 2021
  Yes, as long as part of your trip involves a cruise, you can insure your entire trip from the time you leave home until the time you return back to your home. However, the Nationwide Cruise policies only cover specific cruise lines so please be sure to give us a call prior to purchase so a customer care representative can confirm that the policy is available to you. Thank you.
  By MattG - March 30, 2021
  If I just put a deposit on a trip, should I just insure that amount and add the balance when I pay it?
  By NancyG - May 17, 2021
  You can insure what you have paid for to date and any known costs, and once you make subsequent payments towards the trip prior to departure, you can contact us and update your existing policy accordingly.
  However, if you are buying coverage for pre-existing medical conditions or 'cancel for any reason, you may have to insure the full known cost of the trip up front even though you only paid a deposit. I would highly recommend calling us at 800 487 4722 that way we can gather some additional information from you and from there we can go over the wording with you and help you find a policy for your upcoming trip.
  By MattG - May 18, 2021
  Can insurance be transferred to another trip?
  By KarenW - April 8, 2022
  If the trip is cancelled or rescheduled by the travel suppliers and you were refunded in full or issued a credit for the amount paid for the trip, typically you can request to have the policy cover you on the rescheduled trip as long as you contact us prior to the original departure date.
  By MattG - April 16, 2022
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