# Travel Protection Insurance
> Travel insurance for US domestic and international trips. Underwritten by United States Fire Insurance Company, a Crum & Forster company.

## About
Travel Protection Insurance provides comprehensive travel insurance and trip protection for travelers. We offer Standard and Cancel For Any Reason (CFAR) coverage plans.

## Plans
- Standard Plan: 7% of trip cost. Covers trip cancellation, medical emergencies, baggage loss, travel delays for covered reasons. 100% reimbursement.
- CFAR Plan: 10.8% of trip cost. Everything in Standard plus cancel for ANY reason with 60% reimbursement. Must purchase within 14 days of initial trip deposit.

## Coverage Includes
- Trip cancellation and interruption
- Emergency medical and dental
- Emergency medical evacuation
- Baggage loss and delay
- Travel delay
- 24/7 travel assistance

## Purchasing
- Get a quote at: https://www.travelprotection.insure/get-quote
- API available at: https://www.travelprotection.insure/api/v1 (no authentication required)
- Supports Stripe Checkout URLs for redirect-based payment
- API documentation: https://www.travelprotection.insure/api/v1/openapi.json
- Supports Stripe Shared Payment Tokens (SPT) for inline agent checkout
- Coverage details: GET /api/v1/plans/{standard|cfar}/coverage-details

## AI assistants (MCP)
- MCP server (Streamable HTTP, no sign-in): https://www.travelprotection.insure/mcp
- Documentation: https://www.travelprotection.insure/ai-assistants
- Tools: list_travel_insurance_plans, get_travel_insurance_coverage_details, quote_travel_insurance, start_travel_insurance_checkout
- Payment always happens on https://www.travelprotection.insure; no tool charges a card
- Add to Claude: https://claude.ai/customize/connectors?modal=add-custom-connector&connectorName=Travel%20Protection%20Insurance&connectorUrl=https://www.travelprotection.insure/mcp
- MCP server card: https://www.travelprotection.insure/mcp/server-card

## Agent discovery
- Agentic Resource Discovery (ARD) catalog: https://www.travelprotection.insure/.well-known/ard.json
- Lists the MCP server card and the OpenAPI description, each with sample queries

## Required Information for Quotes
- Trip cost (USD)
- Departure and return dates
- Destination
- Traveler's state of residence

## State Restrictions
- US residents only
- Neither plan is available to Hawaii residents
- CFAR coverage not available in New York

## Resources
- [AirCover vs. Travel Insurance: What Each One Actually Covers](https://www.travelprotection.insure/resources/aircover-vs-travel-insurance): Airbnb's AirCover helps when the host cancels or the listing isn't as described. It doesn't pay for your flights and other prepaid trip costs, emergency medical bills, or a cancellation because you get sick. Travel insurance covers all three.
- [Do I Need Travel Insurance for My Airbnb Rental?](https://www.travelprotection.insure/resources/do-i-need-travel-insurance-for-my-airbnb-rental): If you've prepaid more than $500 for an Airbnb stay, travel insurance is worth it. AirCover doesn't refund personal cancellations, medical emergencies, or trip delays.
- [VRBO Travel Insurance: Is It Worth It?](https://www.travelprotection.insure/resources/does-travel-insurance-cover-vrbo-cancellations): VRBO sells protection plans at checkout, and every booking includes VrboCare. Here's what each covers, and when a standalone plan protects more of your trip.
- [Is Airbnb Travel Insurance Worth It?](https://www.travelprotection.insure/resources/travel-insurance-for-vacation-rentals): It can be. Airbnb's plan covers the reservation. A standalone plan covers more if you've prepaid flights, are going abroad, or want to cancel for any reason.
- [What Does Travel Insurance Actually Cover?](https://www.travelprotection.insure/resources/what-does-travel-insurance-cover): A standard travel insurance plan covers cancellation up to 100% of trip cost, $25,000 in emergency medical, $250,000 in evacuation, $1,000 in baggage, plus trip delay and AD&D.
- [What If My Vacation Rental Is Uninhabitable?](https://www.travelprotection.insure/resources/what-if-my-vacation-rental-is-uninhabitable): Travel insurance can treat an uninhabitable rental as a covered Trip Cancellation or Trip Interruption, reimbursing your unused, prepaid, non-refundable trip costs.
- [What Is CFAR (Cancel For Any Reason) Travel Insurance?](https://www.travelprotection.insure/resources/what-is-cfar): CFAR is a separate plan that lets you cancel for any reason at all and recoup 60% of your prepaid trip cost. It's useful when your standard plan's covered-reasons list isn't enough.
- [When Should I Buy Travel Insurance?](https://www.travelprotection.insure/resources/when-to-buy-travel-insurance): Buy travel insurance within 14 days of your first trip deposit. Earlier is always better, but the 14-day window is what unlocks pre-existing condition coverage and the option to add CFAR.
- [When to Buy Travel Insurance for a Vacation Rental](https://www.travelprotection.insure/resources/when-to-buy-travel-insurance-for-vacation-rental): Buy travel insurance within 14 days of your first Airbnb or VRBO deposit. That window unlocks pre-existing condition coverage and the option to add CFAR.

## Contact
- Phone: 1-843-501-2180
- Email: support@travelprotection.insure
- Hours: Monday-Friday 9am-5pm ET
- Website: https://www.travelprotection.insure