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Patriot Trip – Travel insurance plan is a beneficial trip cancellation insurance plan that comes into use when a pre-planned trip gets canceled under unforeseen circumstances. The insured can file for reimbursements for expenses incurred during the trip like travel reservations, emergency reunion, travel delays, personal baggage loss, repatriation of mortal remains in case of death of the insured, emergency evacuation and also any medical expenses incurred during the travel along with dental surgery expenses during the trip.

This travel insurance is ideally suited to cover a vacation wherein you may be able to recover un-utilized payments and deposits that are normally not refundable in the case of cancellation or interruption of the trip during the planned period.

To be eligible for this travel health insurance policy which includes trip cancellation coverage benefits, the minimum cost incurred by the traveler for the trip should be $500, the destination should be at least 120 miles away from the point of start and the duration of travel should not exceed 30 consecutive days.

The trip cancellation benefits become effective from the midnight of receiving payment and the completed application form. Other coverage benefits of this travel medical insurance policy become valid right from the departure date of the insured.

The Patriot Trip – Travel insurance validity ends on the date on which the insured returns (earlier or as planned), or till the coverage period lasts as indicated in the trip cancellation insurance policy (whichever is earliest).

Travel insurance policies typically do provide a period of time within which a full refund is possible. If you cancel the Patriot Trip – Travel insurance plan and return the certification within 10 days of receiving the policy, you would be eligible for a full refund provided you have not departed before these 10 days or filed any claims under the insurance plan.

The premium rates of this travel insurance plan is calculated based on various factors like age of the individual and other members who are a part of the insurance plan and also cost of the planned trip

Medical insurance for travelers usually has a clause regarding coverage for pre-existing conditions. The clause which excludes pre-existing medical conditions from Patriot Trip – Travel insurance coverage is waived in case you are less than 70 years of age and you purchase the trip cancellation insurance within just 2 weeks (14 days) of paying the initial deposit to your travel agent for the trip and also all the insured individuals are medically fit to travel on the date of purchase of the coverage.

Ray Sondeo often writes about travel insurance.