Travel can sometimes be unpredictable, but with travel insurance from XCover via Cover Genius, you’re supported no matter what happens. It’s time to focus less on the what-ifs and more on your organized adventure
Travel insurance designed for the times
CancellationsCancellation coverage has always been crucial to travel insurance, and you’ll want to make sure that you’re prepared in case transport issues, illness, or injury get between you and your planned adventure. Safety first, after all.
Ensuring you and your travel companion(s) are covered for trip cancellations due to unforeseen circumstances, including illness, should be at the top of your travel insurance requirements.
Medical EmergenciesInsurance coverage is invaluable in cases of medical emergencies. If you or your companion falls sick while on an adventure or have an accident, the last thing you want to do is worry about hospital bills or not getting adequate support.
This also applies to dental emergencies. Credit card coverage is usually limited in these cases, which is why a comprehensive insurance package is best.
COVID IllnessSince early 2020, we’ve learned that viruses and related testing can affect not only our health but also entry and participation restrictions across the world. Today, getting COVID-specific coverage with your insurance is essential.
Every policy is different, with specific terms, conditions, and exclusions, so it’s important to read the fine print of your Product Disclosure Statement (PDS) included with your policy documents.
Adding Insurance to your TourRadar booking
Step 1: Choose your adventure and departure date
Step 2: Purchase your insurance at Checkout
Step 3: Enjoy your adventure knowing you're fully covered
TourRadar proudly partners with Cover Genius
Travel insurance from our award-winning partner, Cover Genius, means you and your travel companions can book a tour on TourRadar with complete peace of mind knowing that you’re covered in case your adventure doesn’t go according to plan, something unforeseen happens while on tour or you are prevented from participating.
XCover is one of Cover Genius’ global insurance distribution platforms that deliver personalized insurance in any country, language, and currency. Here are just a few things that are included with the XCover policy:
Tailored PolicyCover Genius has taken the legwork out of comparing policy documents. You will get the best policy for your trip at checkout without confusing options. It’s already adjusted for your departure and return dates, number of participants, and age group.
Instant claims handlingClaims are processed online and, once approved, paid instantly, replacing the lengthy and cumbersome systems of traditional insurers. Cover Genius offers quick claim payment in all major currencies: USD, CAD, AUD, NZD, EUR, and GBP.
Coverage including COVID-19Coverage varies depending on your country of residence, but one thing is certain: Cover Genius offers a broad list of insurable situations. Make sure you read the Policy Disclosure Statement available at checkout for all details, and check out our FAQs for more info.
XCover Constituents for your consideration
Your travel insurance questions, answered
Do I need travel insurance?
In short–yes! Travel insurance is mandatory for most of the adventures on TourRadar and must be purchased before you start your travels. It covers trip cancellations, medical emergencies, lost or stolen baggage, and more.
Why is travel insurance important?
Aside from covering medical expenses while on an adventure, stolen personal items, and trip cancellations, travel insurance is there for you to reduce financial stress in case something unforeseen pops up and changes your vacation plans. Some things can be quite costly, so ensuring you have the appropriate travel coverage can save you a lot of money!
Are there age limits for travel insurance?
Most travel insurance providers have an age limit, so it’s best to double-check with your insurance provider to see if you’re eligible
How do I make a claim?
It depends on your travel insurance provider. It’s a good idea to familiarize yourself with your policy’s Product Disclosure Statement (PDS) to ensure you understand all inclusions, exclusions, and limitations before leaving for your trip. Make a note of your insurance provider’s 24-hour emergency phone number and how to make a claim in case the unforeseen happens.
What does XCover’s Travel Protection cover?
Common benefits include:
- Trip Cancellation: reimbursement if you or your travel companions need to cancel due to illness or injury, including COVID-19 circumstances or an emergency at home
- Emergency Medical and Expenses: for emergency medical treatment, hospital visits, and evacuations/repatriations
- Baggage Loss/Theft: for reimbursement for personal items damaged, lost, or stolen while traveling
- COVID-19: for reimbursement in the event of a COVID-19 diagnosis
- Accidental Death
Who is covered by XCover’s Travel Protection?
XCover Travel Protection covers the travelers listed on your booking at the time of purchase. Please note that once your policy is booked and active, we cannot add extra travelers. For more information about your coverage, you can view your policy wording anytime by logging in to your XCover account with the email you used to book your tour.
How can I check my coverage?
When you obtain a quote, be sure to check the policy details to see your policy limits, exclusions, and inclusions, as they may differ depending on your home country, state, or destination.
If you have already purchased a policy, you can check your policy wording anytime by logging in to your XCover account with the email you used to book your tour.
Does XCover Travel Protection cover pre-existing medical conditions?
Like many travel insurance policies, claims arising from pre-existing medical conditions are generally not covered. You can view your policy wording at any time from your XCover account. To log in, use the email you used to book your tour.
What is not covered by XCover Travel Protection?
In most countries, XCover’s policies don’t cover pre-existing illnesses. You also wouldn’t be covered if you don’t wish to travel or change your mind about your trip. Instead, you can check your rescheduling options on the booking conversation page of your tour.
To see what’s included in your specific policy, you can check the policy wording on the insurance booking block when you book a tour and/or on the confirmation emails sent to you by our partner XCover.com.
Am I covered for my flights and other services booked outside of TourRadar?
Any travel services booked outside of TourRadar will not be covered when adding insurance to your TourRadar booking. You will need to look into a supplemental insurance plan to cover these travel services (flights, transport to and from the airport, etc.).
Which countries are covered by XCover Travel Protection?
Insurance with XCover is currently only available in the following countries:
- USA (except residents of New York and Hawaii)
- Canada (except residents of Quebec and Saskatchewan)
- New Zealand
→ Northern Ireland
Claims & Medical Emergencies
How do I make a claim with XCover?
To make a claim, head to the XCover website and select “Make a Claim.” If you’re not already logged into your account, you’ll be prompted to do so. Log in using the email address you used when booking your tour on TourRadar. Once logged in, fill out the online claim form to submit your claim. You should receive a claim confirmation and further instructions from XCover (or their third-party claims partners) via email within a few days.
I have a medical emergency. Who do I contact?
If your coverage includes medical emergency assistance, please contact XCover Assist or, for U.S. residents, your assigned emergency medical service provider.
Please note that contact numbers vary by country of residence, so you’ll need to log in to your XCover account and view your policy wording to find the contact details relevant to you.
My adventure was canceled. What now?
If your adventure/tour was canceled, TourRadar or your tour operator will contact you to review your options. You may be able to receive a partial refund for your Travel Protection policy, depending on country-specific restrictions. To find out if you’re eligible for a Travel Protection refund and/or to apply your protection to a rebooked tour, please message us on your booking conversation page.