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What can we say? Life happens. While you have every intention of taking that trip of a lifetime, illness, family emergencies and more can hamper your best-laid plans. We strongly urge everyone who books a smarTours package to obtain travel insurance, regardless of your age or the tour you’ve selected.

To streamline the process, we have carefully researched plans and can offer you affordable, comprehensive travel protection insurance for just $199. The benefits of this insurance are priceless and may include covering: medical expenses or evacuation; trip cancellation, interruption or delay; lost or delayed baggage; 24/7 one-call worldwide travel assistance and more. Please click below for more information about travel protection insurance and be sure to include this valuable plan as part of your travel budget. You’ll travel easier just knowing you have it!

NEW Cancel for Any Reason option: In the case you have to cancel your trip, CFAR (Cancel for Any Reason) would allow you to be refunded 75% of your total payments or deposits even if you cancel for a reason (any reason) outside of the standard insurance policy provided that a) your payment for this Plan is received on or before the final payment due date for your trip and b) you cancel your trip two (2) days or more before your scheduled departure date. Please see the plan document for additional information.

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Reporting Claims with Trip Mate

If you purchased a travel protection plan through us and believe you are eligible to submit a claim, please contact Trip Mate directly. A shelter in place has been ordered for the entire Kansas City metro region where Trip Mate is based and employees are now working from home. Therefore, please report your claims online. It is important that you give an eConsent while reporting your claim. With an eConsent, you agree to receive correspondence electronically. Unfortunately, there will be no one at the office to mail paper claim forms or other documents by USPS.

Trip Mate also encourages you to go online to:

For more information, please read these Frequently Asked Questions from Trip Mate. If you have additional questions, please contact Trip Mate.

smarTours FAQ—Cancel for Any Reason Benefit 

Plan F394U – Underwritten by United States Fire Insurance Company – Administered by Trip Mate, Inc.


Any reason really?

Yes. The great thing about the Cancel For Any Reason Benefit is that you do not need to disclose the reason why you are canceling your trip.


So, I can cancel my trip if my pet is sick or for any reason whatsoever and receive reimbursement for my trip cost?

Yes, you can cancel for any reason; however, you must meet two requirements to receive reimbursement.


What are the requirements to receive reimbursement?

  1. Your payment for Plan F394U must be received at or before the final payment due date for Your Trip;
  2. You must cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

To review the full description of coverage please click the following link: www.tripmate.com/wpf394U.


How much will I be reimbursed if I cancel my trip for any reason?

The plan will provide reimbursement for 75% of the prepaid non-refundable expenses You paid for the covered Trip.


Can I purchase the travel protection plan after the final payment for my trip?

No.  Due to insurance carrier’s regulations, the plan can only be purchased at or before the final payment.


How can I get reimbursement for more than 75% of my prepaid expenses?

While the Cancel For Any Reason Benefit allows you to receive 75% of your prepaid non-refundable expenses for your trip, you may be eligible to receive reimbursement at 100% if you cancel your trip due to a specified covered event, subject to the terms, limitations and exclusions of the plan.


What are the specified covered events for 100% reimbursement if I cancel my trip?

There are several specified covered events, such as Sickness, Injury, death etc. To review the full description of coverage please click the following link: www.tripmate.com/wpf394U.


If I get sick or injured the morning of the trip departure, will I get reimbursement under the Cancel For Any Reason Benefit?

To get reimbursement under the Cancel For Any Reason Benefit, you must cancel your trip 2 days or more before the scheduled departure date. You may be eligible for reimbursement at 100% under the Trip Cancellation Benefit. To review the full description of coverage please click the following link: www.tripmate.com/wpf394U.


How can I get more information about this plan?

You may review the Plan Document by clicking the following link: www.tripmate.com/wpf394U

You can also contact Trip Mate, the claims administrator, at 1-833-297-2255.


How do I file a claim?

Claims should be reported online at www.travelclaimsonline.com.  After you report your claim online, you will receive an email with details on how to submit your claim form so your claim can be processed.

For assistance, contact Trip Mate at 1- 833-297-2255 and refer to Plan F394U.