Renewable Policies are a type of travel insurance coverage that can be extended by a policyholder prior to their policy’s expiration date. Plans that offer renewals can typically be extended for 12-24 months, depending on the policy.
Not all travel insurance policies are eligible for renewal, and this benefit typically only applies to select annual plans.
To renew a travel insurance policy, you must contact your insurance company before your coverage is set to expire. Refer to your policy’s Certificate of Insurance to see renewal eligibility requirements, details, and exclusions.
A traveler may choose to renew their annual travel insurance policy for a variety of reasons. Most often, a traveler will renew their policy out of convenience and because they’re satisfied with the travel protection the plan provides.
Renewing a policy is essentially the same as purchasing the same coverage again, with your new policy starting immediately after your current one expires.
This is typically a quick process, as a lot of your information and billing details will already be on file with your travel insurance provider. Renewals can take place online or over the phone, with some providers allowing for seamless auto-renewals.
When renewing an annual plan, you may be required to update certain details, such as your age, the approximate number of trips you plan on taking, and the estimated length of the longest trip you plan on taking during your coverage period.
Renewable Policies and Extension of Coverage are both travel insurance benefits that involve prolonging one’s travel insurance coverage. However, they are different in the way in which they are applied.
Extension of Coverage is a much more common benefit, and is a feature of the majority of single-trip plans. In short, a travel insurance policy can be extended if you’re unable to return home on your scheduled return date for reasons outside of your control, such as inclement weather or an unforeseen medical emergency. In most cases, a policy can be extended for 5-10 days at no additional cost to you.
Renewable Policies are different in the fact they’re most commonly a feature of annual travel insurance plans. Policies are commonly renewed voluntarily, rather than out of necessity, and involve paying additional premium for further coverage.
If you have purchased a travel insurance policy that allows renewals, the best way to extend your coverage is to contact your travel insurance company’s 24 Hour Assistance Services directly.
From there, your provider may be able to handle your request over the phone or instruct you to complete the remainder of the renewal process online. Your provider will also be able to provide the effective date of your renewal, as well as any other additional information you may need.
To be granted renewal, you must continue to meet your plan’s eligibility requirements.
Travel insurance companies will factor in details such as your age, state of residence, and coverage needs when determining your premium for annual travel insurance.
Assuming your travel details remain the same, your premium, meaning the cost of the policy, will remain relatively the same if you choose to renew your coverage.
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Renewable Policy coverage.
Enter your trip information on our custom quote form. Once you receive your results, select the Renewable Policy filter to find the best policy for your trip with the coverage that you need.
Global Underwriters | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
1 |
Not renewable |
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Renewal – Coverage under this Plan is not renewable. If additional coverage time is needed, a new application must be completed and correct Premium submitted to Global Underwriters Agency. A new Deductible, Coinsurance, and Pre-existing Condition Exclusion will apply at each succeeding or subsequent Period of Coverage. |
IMG | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
2 |
Renewable up to 24 months |
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(21) RENEWAL; AMENDMENTS: Subject to the Terms of the TERMINATION OF MASTER POLICY and TERMINATION OF COVERAGE FOR INSURED PERSONS subparagraphs of the CONDITIONS AND GENERAL PROVISIONS, an Insured Person can request coverage under this insurance plan to be extended a minimum of five (5) days for up to a three hundred sixty-five (365) day period until reaching a maximum of twenty-four (24) continuous months in accordance with and subject to the Terms of the plan then in effect (including the Terms of the then applicable Master Policy) and so long as extension Premium is paid when due and the Insured Person otherwise continues to meet the applicable eligibility requirements of the plan. The Company’s commitment and the Insured Person’s ability to request extension is also subject to termination upon thirty (30) days written notice to the other party prior to the expiration date of the then existing Period of Coverage. The Company reserves the right in its sole discretion to make changes, additions, and/or deletions to the Terms of the Master Policy, this Certificate, extensions or replacements of either, and/or to the insurance plan (including the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of this Certificate, upon no less than thirty (30) days prior written notice to the Assured and the Insured Person (Notice of Amendment). The Notice of Amendment shall include a complete description of the changes, additions, and/or deletions to be made, the Effective Date thereof (the |
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3 |
Renewable up to 24 months |
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(21) RENEWAL; AMENDMENTS: Subject to the Terms of the TERMINATION OF MASTER POLICY and TERMINATION OF COVERAGE FOR INSURED PERSONS subparagraphs of the CONDITIONS AND GENERAL PROVISIONS, an Insured Person can request coverage under this insurance plan to be extended a minimum of five (5) days for up to a three hundred sixty-five (365) day period until reaching a maximum of thirty-six (36) continuous months in accordance with and subject to the Terms of the plan then in effect (including the Terms of the then applicable Master Policy) and so long as extension Premium is paid when due and the Insured Person otherwise continues to meet the applicable eligibility requirements of the plan. The Company’s commitment and the Insured Person’s ability to request extension is also subject to termination upon thirty (30) days written notice to the other party prior to the expiration date of the then existing Period of Coverage. The Company reserves the right in its sole discretion to make changes, additions, and/or deletions to the Terms of the Master Policy, this Certificate, extensions or replacements of either, and/or to the insurance plan (including the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of this Certificate, upon no less than thirty (30) days prior written notice to the Assured and the Insured Person (Notice of Amendment). The Notice of Amendment shall include a complete description of the changes, additions, and/or deletions to be made, the Effective Date thereof (the Change Date), and notice of the Insured Person’s cancellation rights and shall be sent first class mail, postage prepaid, to the last known residence or mailing address of the Insured Person. Upon issuance of the Notice of Amendment, the Assured |
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4 |
Renewable up to 24 months |
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(21) RENEWAL; AMENDMENTS: Subject to the Terms of the TERMINATION OF MASTER POLICY and TERMINATION OF COVERAGE FOR INSURED PERSONS subparagraphs of the CONDITIONS AND GENERAL PROVISIONS, an Insured Person can request coverage under this insurance plan to be extended a minimum of five (5) days for up to a three hundred sixty-five (365) day period until reaching a maximum of twenty-four (24) continuous months in accordance with and subject to the Terms of the plan then in effect (including the Terms of the then applicable Master Policy) and so long as extension The Company’s commitment and the Insured Person’s ability to request extension is also subject to termination upon thirty (30) days written notice to the other party prior to the expiration date of the then existing Period of Coverage. The Company reserves the right in its sole discretion to make changes, additions, and/or deletions to the Terms of the Master Policy, this Certificate, extensions or replacements of either, and/or to the insurance plan (including the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of this Certificate, upon no less than thirty (30) days prior written notice to the Assured and the Insured Person (Notice of Amendment). The Notice of Amendment shall include a complete description of the changes, additions, and/or deletions to be made, the Effective Date thereof (the Change Date), and notice of the Insured Person’s cancellation rights and shall be sent first class mail, postage prepaid, to the last known residence or mailing address of the Insured Person. Upon issuance of the Notice of Amendment, the Assured and/or the Insured Person shall have the right to request cancellation of this Certificate, at any time prior to the Change Date; provided, however that cancellation under this provision shall be at the option of the Insured Person and coverage under this insurance shall terminate with effect from the cancellation date specified by the Insured Person (subject to the Terms of the CONDITIONS AND GENERAL PROVISIONS, TERMINATION OF COVERAGE FOR INSURED PERSONS provision). If the Insured Person does not elect to cancel this Certificate in accordance with the foregoing, the changes, additions, and/or deletions as made by the Company and specified in said Notice of Amendment shall take effect as of the Change Date specified in the Company’s Notice, and this insurance shall thereafter continue in effect in accordance with |
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5 |
Renewable up to 24 months |
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(21) RENEWAL; AMENDMENTS: Subject to the Terms of the TERMINATION OF MASTER POLICY and TERMINATION OF COVERAGE FOR INSURED PERSONS subparagraphs of the CONDITIONS AND GENERAL PROVISIONS, an Insured Person can request coverage under this insurance plan to be extended a minimum of five (5) days for up to a three hundred sixty-five (365) day period until reaching a maximum of twenty-four (24) continuous months in accordance with and subject to the Terms of the plan then in effect (including the Terms of the then applicable Master Policy) and so long as extension Premium is paid when due and the Insured Person otherwise continues to meet the applicable eligibility requirements of the plan. The Company’s commitment and the Insured Person’s ability to request extension is also subject to termination upon thirty (30) days written notice to the other party prior to the expiration date of the then existing Period of Coverage. The Company reserves the right in its sole discretion to make changes, additions, and/or deletions to the Terms of the Master Policy, this Certificate, extensions or replacements of either, and/or to the insurance plan (including the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of this Certificate, upon no less than thirty (30) days prior written notice to the Assured and the Insured Person (Notice of Amendment). The Notice of Amendment shall include a complete description of the changes, additions, and/or deletions to be made, the Effective Date thereof (the Change Date), and notice of the Insured Person’s cancellation rights and shall be sent first class mail, postage prepaid, to the last known residence or mailing address of the Insured Person. Upon issuance of the Notice of Amendment, the Assured and/or the Insured Person shall have the right to request cancellation of this Certificate, at any time prior to the Change Date; provided, however that cancellation under this provision shall be at the option of the Insured Person and coverage under this insurance shall terminate with effect from the cancellation date specified by the Insured Person (subject to the Terms of the CONDITIONS AND GENERAL PROVISIONS, TERMINATION OF COVERAGE FOR INSURED PERSONS provision). If the Insured Person does not elect to cancel this Certificate in accordance with the foregoing, the changes, additions, and/or deletions as made by the Company and specified in said Notice of Amendment shall take effect as of the Change Date specified in the Company’s Notice, and this insurance shall thereafter continue in effect in accordance with its Terms, as so amended and modified. |
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6 |
Patriot International Platinum Renewable up to 24 months |
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(21) RENEWAL; AMENDMENTS: Subject to the Terms of the TERMINATION OF MASTER POLICY and TERMINATION OF COVERAGE FOR INSURED PERSONS subparagraphs of the CONDITIONS AND GENERAL PROVISIONS, an Insured Person can request coverage under this insurance plan to be extended a minimum of five (5) days for up to a three hundred sixty-five (365) day period until reaching a maximum of thirty-six (36) continuous months in accordance with and subject to The Company’s commitment and the Insured Person’s ability to request extension is also subject to termination upon thirty (30) days written notice to the other party prior to the expiration date of the then existing Period of Coverage. The Company reserves the right in its sole discretion to make changes, additions, and/or deletions to the Terms of the Master Policy, this Certificate, extensions or replacements of either, and/or to the insurance plan (including the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of this Certificate, upon no less than thirty (30) days prior written notice to the Assured and the Insured Person (Notice of Amendment). The Notice of Amendment shall include a complete description of the changes, additions, and/or deletions to be made, the Effective Date thereof (the Change Date), and notice of the Insured Person’s cancellation rights and shall be sent first class mail, postage prepaid, to the last known residence or mailing address of the Insured Person. Upon issuance of the Notice of Amendment, the Assured and/or the Insured Person shall have the right to request cancellation of this Certificate, at any time prior to the Change Date; provided, however that cancellation under this provision shall be at the option of the Insured Person and coverage under this insurance shall terminate with effect from the cancellation date specified by the Insured Person (subject to the Terms of the CONDITIONS AND GENERAL PROVISIONS, TERMINATION OF COVERAGE FOR INSURED PERSONS provision). If the Insured Person does not elect to cancel this Certificate in accordance with the foregoing, the changes, additions, and/or deletions as made by the Company and specified in said Notice of Amendment shall take effect as of the Change Date specified in the Company’s Notice, and this insurance shall thereafter continue in effect in accordance with its Terms, as so amended and modified. |
Seven Corners | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
7 |
Renewable up to 364 days |
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1.6 Extension of Coverage. Coverage may be continued if the initial Period of Coverage is less than the Maximum Period of Coverage. If You elect to extend Your Trip beyond the initial Period of Coverage, You may extend the applicable Period of Coverage by a minimum of five (5) days and up to three hundred sixty four (364) days at a time, provided that the total Period of Coverage may not exceed the Maximum Period of Coverage. Upon such extension and receipt of the appropriate Plan premium and applicable fee charged for each extension, the original Certificate’s Expiration Date will be extended to the new Expiration Date. The original Effective Date will be used to calculate Your Deductible and Coinsurance, to determine whether maximum coverage amounts in the Schedule of Benefits have been obtained; and to determine any Pre-Existing Conditions. Extensions, if offered by the Company, will be subject to the definitions, benefits, and conditions in force at the time of each extension. |
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8 |
Renewable up to 364 days |
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1.6 Extension of Coverage. Coverage may be continued if the initial Period of Coverage is less than the Maximum Period of Coverage. If You elect to extend Your Trip beyond the initial Period of Coverage, You may extend the applicable Period of Coverage by a minimum of five (5) days and up to three hundred sixtyfour (364) days at a time, provided that the total Period of Coverage may not exceed the Maximum Period of Coverage. Upon such extension and receipt of the appropriate Plan premium and applicable fee charged for each extension, the original Certificate’s Expiration Date will be extended to the new Expiration Date. The original Effective Date will be used to calculate Your Deductible and Coinsurance, to determine whether maximum coverage amounts in the Schedule of Benefits have been obtained; and to determine any Pre-Existing Conditions. Extensions, if offered by the Company, will be subject to the definitions, benefits, and conditions in force at the time of each extension. |
Trawick International | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
9 |
Not renewable |
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This plan is not a Renewable Policy. |
Benefits
Additional Information