“CM Solutions Insurance Agency, a subsidiary of Church Mutual Holding Company, Inc., is proud to partner with www.MissionTripInsurance.com, a division of Insurance Consultants International. We offer this program to address the risks of your ministry, members, volunteers, students and employees when traveling.”
*Church Mutual Insurance Company, S.I. (a stock insurer) is not the risk or financial underwriter of these products. This is a referral process through their affiliate, CM Solutions Insurance Agency, to help meet the needs of Church Mutual customers for products they do not offer.
Should you consider purchasing the additional Trip Cancellation Coverage?
There are many “eligible” reasons that TripArmor Trip Cancellation covers you for.
Here are the most used benefits:
- Sickness or death of you, family member, business partner, or traveling companion
- Inclement Weather, Terrorist Incident, Natural Disaster, Carrier Strike, Vacation Revoked
More than 25 eligible reasons to cancel (see Description of Coverage for full details.)
If your concern is not listed in the eligible reasons (see Description of Coverage for full details) you may want to consider purchasing CANCEL FOR ANY REASON (CFAR) coverage which would upgrade your plan to the TripArmor PLUS Plan.
Cancel for Any Reason TripArmor PLUS Plan
If you purchase this plan within 14 days of your initial payment or deposit for your trip, TripArmor allows you to cancel your trip for ANY reason not otherwise covered by the plan. You will be reimbursed for up to 75% of your unused non-refundable prepaid expenses. You MUST insure 100% of “non-refundable” trip costs that are subject to cancellation penalties or restrictions and cancel your trip 48 hours or more before your scheduled departure date. If you cancel due to an eligible reason (see Description of Coverage for full details) you will receive 100% of the trip cost.
When purchasing, make sure you select the Optional Coverage dropdown for CFAR coverage. The quoted price will adjust before purchasing. See image below.
“I’m here to answer any questions about the policy and coverage. Give me a call today!”
Purchasing the Insurance
- What are my start and end dates?
Your start date is the date you will be leaving home and your end date is the date you will be returning home.
- What if my trip does not have confirmed dates yet?
Please use estimates of when you think your trip will happen. Make sure the dates are not over 30 days. Once you have your official dates please fill out a change request form on the website to have it changed on your policy.
- Why is it not giving me an option to purchase cancel for any reason?
You need to select basic cancellation first. Once you put in your information it will ask you for your trip deposit date. As long as your trip deposit date is within the 20 day window, it will then give you the option to add cancel for any reason insurance.
- When do I have to purchase cancel for any reason insurance by?
You have 20 days starting on the day you pay your deposit. There are NO EXCEPTIONS to this rule.
- What if I don’t have an official trip cost yet?
You will need to purchase the insurance for what you believe your full non-refundable trip cost would be. If that price increases you will need to add the additional cost to your policy.
6. What if I get an error message when adding my trip cost?
Please put in $1000 for your trip cost if it is under $1000.
Types of Cancellation Insurance
- Cancel for Any Reason
Cancel for any reason means you can literally cancel for any reason. This is the plan you would want to purchase if you are worried about not being able to travel due to COVID-19. This is the plan that FOCUS recommends you purchase. With cancel for any reason insurance you are eligible for up to 75% of your trip cost back. You must purchase within 20 days of your initial trip deposit and you must cancel your trip no later than 48 hours prior to departure.
- Basic Cancellation
Basic cancellation would be if a doctor tells you that you cannot travel or if there is a death in the immediate family. There are a few other reasons, but these are the big two. This one will not cover you for cancellation due to COVID-19. You can purchase this plan at any time and you are eligible for up to 100% of your trip cost back.
When you purchase cancel for any reason insurance, you are also getting basic cancellation within your policy.
- I have a claim, now what?
You will need to fill out a claim form. At the top of the claim form it will have a list of all documentation you will need to gather in order to file your claim. You will need to fill out, sign, and submit the claim form with your documentation. The claim form will tell you where to send your claim form.