Coverage begins at 12:01 a.m. the day after the date the required plan cost is received. This coverage automatically ends once you depart on your trip or the time you cancel your trip. 

When do other coverages end?

Most coverages end on the last scheduled day of your trip, the day you complete your trip, the day you return from your trip, the day you cancel your trip or the day this plan expires—whichever comes first.

Spot Protection Plan is 7.25% of the trip cost.

How far does a destination need to be in order to be considered an insurable trip?

Your trip must be 10 miles or more from your primary residence.

When must trip cancellations be reported?

You must report all cancellations of items on your itinerary for which the plan cost has been paid to the travel supplier within 72 hours of the qualifying event. 

Trip Cancellation or Trip Interruption for listed unforeseen covered events including, but not limited to:

• You or a family member's or travel companion’s death, sickness or injury.
• Inclement weather that causes a: delay, closure of public roadways by local government authorities or cancellation by a common carrier for at least twenty four (24) consecutive hours of a common carrier on which you or your traveling companion are scheduled to travel which prevents you from reaching your scheduled destination or scheduled trip departure city;
• Your or your traveling companion’s primary place of residence or scheduled destination accommodation is made uninhabitable due to a natural disaster, vandalism or burglary.
• Your or your traveling companion’s current employer requires you to transfer 250 miles or more which requires you or your traveling companion’s primary residence to be relocated.
• Revocation of you or your traveling companion’s previously granted military leave or re-assignment. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required.
• You or your traveling companion are involuntarily terminated or laid off from your employment. You must have been an active employee with the same employer for at least one (1) continuous year. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancers or self-employed persons.
• Spot Trip Protection also includes medical and travel-specific benefits, like Trip Delay and Baggage Delay, as well as access to 24/7 non-insurance emergency travel assistance services, all designed to help you when the unexpected disrupts your trip.
  

*Additional terms and conditions apply to all covered reasons listed above. Covered reasons for Trip Cancellation and Trip Interruption are similar, but not identical. Please review your plan document for full details and covered reasons. 

Spot has partnered with International Medical Group (IMG) and iTravelInsured to administer this plan. If something happens, we’ll provide you a link to their portal where you can submit a claim. They’re also available 24/7 to provide you with non-insurance emergency travel assistance. This plan was underwritten by and claims will be paid by United States Fire Insurance Company. More information will be included in your plan documents

Exclusions of Spot Trip Protection

Check your state’s plan below for a full list of exclusions, including more details regarding the definition of pre-existing medical conditions.

Trip Protection Plans vary depending on your state of residence. You may download and review a sample of your state's specific plan prior to purchase. Once you purchase coverage, you will also be able to view your plan document from your account.