Trip Protection Insurance
Protect the money you've already spent on the trip
Cancellation, interruption, and lost-bag coverage so a missed flight or family emergency doesn't cost you the whole trip.
Trip protection insurance reimburses you for prepaid, non-refundable trip costs if you have to cancel or cut a trip short for a reason the plan covers. If you've put down deposits on flights, hotels, or tours, this coverage protects that money. TME sells trip protection plans (tmetravelinsurance.com/trip-protection-cancellation-insurance); read the plan terms for the covered reasons, the benefits and the limits before you buy. This page covers how to get a quote from TME and how to file a claim.
What's not covered
- Cancellations for reasons not on the plan's covered list
- Pre-existing conditions on basic plans
- Risky activities (extreme sports) without a rider
Read the plan terms on TME's site (tmetravelinsurance.com/trip-protection-cancellation-insurance) for the exact exclusions of the plan you choose.
How to get covered
- 1Enter your trip cost and dates.
- 2Pick a plan and read its terms for the covered reasons and limits.
- 3Buy within 14–21 days of your first deposit to qualify for full benefits.
- 4Buy online from TME and keep the plan documents.
Don't lose your trip cost to a cancellation. Get protected.
Get a QuoteFrequently asked questions
What is covered under trip protection insurance?
It depends on the plan. Read the plan terms on TME's site for the covered reasons and the benefit limits (tmetravelinsurance.com/trip-protection-cancellation-insurance).
Can I get coverage for pre-existing medical conditions?
Check the plan terms before you buy; if a managed condition could affect your trip, buy early and ask TME.
How do I file a claim?
Call or email the claims center, submit documentation of the canceled-trip costs (receipts, cancellation confirmations), and the insurer reimburses you directly. Most claims process within 14–30 days.
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Independent since 2017
SmartGringo is a Mexico-resident-run review site. We compare Mexican insurance products and earn affiliate commission when you buy. We don't sell insurance ourselves — we recommend it.
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Insurance through Baja Bound Insurance Services, Inc. (CA License #0D25373), IMG Global, and TME — all U.S.-licensed providers using A-rated underwriters.
Edited from Rosarito
SmartGringo is edited from Rosarito, Baja California. The newer guides are written by the founder, who lives there; older posts came from outside contributors.
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