Travel Insurance is always a great add on because no one can see the future. Unexpected incidents that prevent you from traveling or interrupt your travel could occur and without travel insurance, you will lose your hard-earned money. 

Payments

Payment for travel insurance must be made in full and cannot be paid in installments. If buying the travel insurance when paying a deposit, the deposit + insurance payment will be due. Travel Insurance can be purchased at any time before you depart for your trip, even if you initially decline it.  

Travel Insurance Notes

• If your trip becomes 100% non-refundable after a certain timeframe period, you could just insure the entire trip costs.
• If you’re eligible to get a partial refund (for example, 50%) up until a certain date, you are welcome to cover only the percentage (in this case 50%) that becomes non-refundable after the timeframe. 
  
  

Coverage

Travel insurance coverages can include but are not limited to:

• Lost luggage
• Missed connections or train delays
• Emergency air lift assistance
• Emergency medical and/or dental assistance
• Trip Interruption- Emergencies at home affecting self and/or immediate family (children, grandchildren, aunts, uncles, brothers, sisters, nephews, nieces) 
• Trip Cancellation - Due to natural disasters, travel alerts or warnings, airport shutdown, military requirements, illness, accidents, documented loss of necessary identification (ie: passport)
• Trip Delay - Due to documented common carrier delays, inclement weather, natural disasters, unannounced strike, missed connections due to documented common carrier delays
• Death of self and/or immediate family (children, grandchildren, aunts, uncles, brothers, sisters, nephews, nieces)
• Supplier default and/or bankruptcy
• Medical assistance due to injury during an excursion (if added)
• Any other covered circumstances as outlined in the offered travel insurance policy
  
  

Some coverages are considered add-ons and are not included in basic travel insurance. You understand these add-ons will increase the costs of your travel insurance should you decide they are necessary. 

Travel insurance payments are non-refundable and even if you file an insurance claim for your getaway and receive a payment, you will not receive a refund for the amount you paid for the travel insurance.

For specific questions regarding coverage, you will be referred to the travel insurance supplier.

MULTIPLE OCCUPANCY CONSIDERATIONS

This section applies to any accommodation occupancy over single occupancy. 

If your travel plans include a shared room (i.e., double occupancy), each traveler is strongly encouraged to either:

1. Purchase separate travel insurance policies, or
2. Be explicitly named on a shared travel insurance policy at the time of booking.

Insurance for Two or More Travelers on One Policy
If one traveler purchases travel insurance and names their roommate(s) as a covered traveler on the same policy, both individuals are considered insured.

• This applies to both basic coverage and CFAR coverage. In this case, any traveler may cancel and potentially qualify for reimbursement, per policy terms.
• All parties must reside in the same state to be named as a covered traveler on the same policy.

• If one or more traveler(s) booked to share accommodations cancels or interrupts their trip due to any of the covered unforeseen reasons or other covered events and the other traveler(s) do not cancel or interrupt their trip, they will be reimbursed up to the maximum benefit amount shown in the Schedule of Benefits on the policy, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid non-refundable travel arrangements.  

Separate Insurance Policies
If each traveler purchases their own individual insurance policy, each person’s protection only applies to their own portion of the trip.

If one cancels and the other(s) remain(s):

• The remaining traveler(s) is/are responsible for any new costs associated with occupancy changes (i.e., moving from double to single occupancy rate).
• These increased costs are not covered under their individual travel insurance.

Only One Insured Traveler
If only one person is insured, and the roommate(s) is/are not named on the insured’s policy AND does not have their own policy:

• Only the insured traveler may file a claim or cancel with protection.
• If the uninsured traveler(s) cancels, the insured person may be financially impacted (price increases due to occupancy change), and those extra costs are not guaranteed to be covered.
• CFAR protection only applies to named insureds. A non-insured roommate is not eligible for reimbursement under someone else’s CFAR policy.

Travel Insurance Decision

ACCEPTANCE

Purchasing Travel Insurance through Kbyeee Getaways

• The insurance offered by Kbyeee Getaways is available as a standalone option or can be accepted when booking a social media getaway package or personalized travel.   

• If you are an individual or a member of a group obtaining travel insurance through Kbyeee Getaways, by signing below you are agreeing to the following terms:

1. You understand the invoice for the travel insurance is due in full, in addition to a deposit payment, if applicable. 
2. You understand you are required to ensure you cover the duration of your trip. 
3. You understand you are allowed to choose your coverage amount based on your specific needs.
4. You understand if it has been 15 or more days since you made any payments towards your trip, you are not eligible for CFAR insurance. 
5. You understand the travel insurance amount must be paid in full and is not eligible for any payment plans. 

Purchasing Travel Insurance on your own

• You are welcome to research your own travel insurance quote. You can visit Faye Travel Insurance to obtain free quotes and choose a policy that works best for you. 

• If you will be purchasing the travel insurance on your own, by signing below you are agreeing to the following terms:

1. You understand you are responsible for obtaining your own travel insurance, if you indicated you would do so.
2. You understand that if you are stating you will obtain your own travel insurance, but do not, Kbyeee Getaways is not responsible for any loses and/or fees you may incur due to cancellation, interruption, or delay. 

DECLINATION 

Waiver of Travel Insurance Coverage - Please read carefully.

You are a valued client, and we want to do everything possible to ensure your trip is enjoyable and worry free. Unforeseen or unexpected circumstances may occur before you travel or while you are away from home, so travel insurance is highly recommended. The travel insurance should cover all non-refundable portions of your getaway, at a minimum (flight, hotel, excursions, transportation, etc.) in the event any of those unforeseen circumstances come up.  

Choosing to decline the travel insurance is not permanent, even if you sign below. Should you decide to change your mind later and want to add travel insurance, just reach out and we can get your getaway covered or feel free to purchase your policy directly from Faye Travel Insurance.

• If you are declining the travel insurance, by signing below you are agreeing to the following terms:

1. You understand that declining travel insurance could result in the loss of 100% of any payments made towards your cruise/vacation package/travel arrangements.
2. You understand declining travel insurance could require more money to correct the situation, if your trip is cancelled or delayed.
3. You acknowledge that without insurance, there may be no way to recoup any losses, costs, or expenses incurred.  
4.  You are aware that your own medical insurance may not cover you outside of the United States.
5. You understand that you will not be covered for coverages listed above in the Coverages section.
6. You hereby release Kbyeee Getaways , its administration, personnel, and your Travel Advisor from responsibility for any consequences, both known and unknown, resulting from your refusal of travel insurance.
7.  You confirm Kbyeee Getaways has advised you of the importance of such insurance and you will not hold them responsible for any risks or lost funds. 
8. You confirm that you understand Kbyeee Getaways may not be able to assist you in any way if your trip is cancelled or delayed for any covered reason.