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Learn about the benefits typically available in travel insurance and passenger protection plans.

View our Frequently Asked Questions on travel insurance and passenger protection plan claims processing.

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RETURNING TRAVELERS

Frequently Asked Questions

Why should I consider purchasing the NTA Travel Protection Plan?

Additional covered reasons for cancellation include bankruptcy of common carrier or cruise line, jury duty, terrorism, weather, subpoena, having a primary residence or scheduled destination made uninhabitable by natural disaster, and being involved in a documented traffic accident en route to departure. You may also cancel for reasons not covered under the plan if you elect to enroll in the Cancel for Any Reason Benefit Upgrade. Note that exclusions and limitations do apply. Please view your plan documentation for full details.

The Plan also provides coverage for: trip interruptions and delays; accidents and sicknesses while traveling; emergency medical evacuations and repatriations; loss, theft or damage to baggage and personal effects; delayed baggage, 24/7 non-insurance Worldwide Emergency Assistance.

Is my airfare covered, even if I purchase it on my own?

Who is an "immediate family" member under the plan, what if i am delayed and miss the start of my trip, if i am sick or injured while on my trip, will my medical expenses be reimbursable, what if my bags never show up, what do i do if i have a claim, where can i call for more information.

To enroll, please visit:

To view the full details of the plan, please visit: https://affinitytravelcert.com/docs/nta

• Protection Plan Benefits

Request a Claim Form

• Policy Number
• Did you book your trip online? * Did you book your trip online? * Yes No
• Name of website *

Your travel provider is the one with whom you booked your travel: online travel agency, cruise line, tour operator, etc.

• Is this a trip cancellation ? * Yes No
• Step 1: Notify Priceline that you are unable to travel Step 2: View reasons for which you may be eligible to receive reimbursement
• Your, an immediate family member's, traveling companion's, or business partner's sickness, injury or death; or
• You, an immediate family member traveling with you, or traveling companion:
• being directly involved in a documented traffic accident while en route to departure;
• being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an immediate family member traveling with you or a traveling companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer;
• having your home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
• a terrorist act which occurs in your departure city or in a city which is a scheduled destination for your covered trip provided: the terrorist act occurs within 30 days of the scheduled travel date for your covered trip;
• your involuntary termination of employment or layoff which occurs after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 3 years prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
• your host at destination is hospitalized or dies (applicable only to flight cancellation);
• a natural disaster occurs, which causes a complete cessation of travel services at point of departure and/or destination;
• terrorism occurs in a country included on your travel itinerary which leads the U.S. government to issue a travel warning against travel within a country included on your travel itinerary for a period that would include your scheduled covered trip; or
• your, a traveling immediate family member's or traveling companion's approved, written military leave is involuntarily revoked as a result of being temporarily or permanently reassigned, being called into active military reserve or an extension of deployment beyond a defined tour of duty within 30 days of departure. All leave must be approved prior to the Policy effective date.
• mental, nervous, or psychological disorders, except if hospitalized;
• being under the influence of drugs or intoxicants, unless prescribed by a Physician;
• normal pregnancy, except if hospitalized; or elective abortion;
• riding or driving in any motor competition;
• declared or undeclared war, or any act of war;
• service in the armed forces of any country;
• operating or learning to operate any aircraft, as pilot or crew;
• any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
• any amount paid or payable under any Worker's Compensation, Disability Benefit or similar law;
• elective Treatment and Procedures;
• medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;
• business, contractual or educational obligations of you, an Immediate Family Member or Traveling Companion;
• failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
• a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.
• Travel Dates: Departure * Return
• Booking number

Claimant 1 (Claim Contact)

• Title * --- Select --- Mr. Miss Mrs. Ms. Dr.
• Name * First Last
• Country * Select Country --> USA Afghanistan Albania Algeria Andorra Angola Antigua Argentina Armenia Australia Austria Azerbaijan Bahamas Bahrain Bangladesh Barbados Belgium Belize Benin Bhutan Bolivia Bosnia & Herzegovina Botswana Brazil Brunei Darussalam Bulgaria Burkina Faso Burundi Cabo Verde Cambodia Cameroon Canada Chad Chile China Colombia Comoros Congo Costa Rica Croatia Cyprus Czech Republic Denmark Djibouti Dominica Dominican Republic Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Ethiopia Fiji Finland France Gabon Gambia Georgia Germany Ghana Greece Grenada Guam Guatemala Guinea Guinea Bissau Guyana Haiti Honduras Hungary Iceland India Indonesia Ireland Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Kiribati Korea Kosovo Kuwait Kyrgyzstan Lao Republic Latvia Lebanon Lesotho Liberia Liechtenstein Lithuania Luxembourg Macedonia Madagascar Malawi Malaysia Maldives Mali Malta Marshall Islands Mauritania Mauritius Mexico Micronesia Military APO Moldova Monaco Mongolia Montenegro Morocco Mozambique Myanmar Namibia Nauru Nepal Netherlands New Zealand Nicaragua Niger Nigeria Norway Oman Pakistan Palau Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Kitts & Nevis Saint Lucia Samoa San Marino Sao Tome & Principe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Slovakia Slovenia Solomon Islands South Africa Spain Sri Lanka St Vincent & Grenadi Sudan Suriname Swaziland Sweden Switzerland Taiwan Tajikistan Tanzania Thailand Timor Togo Tonga Trinidad Tunisia Turkey Turkmenistan Tuvalu Uganda Ukraine United Arab Emirates United Kingdom Uruguay Uzbekistan Vanuatu Vatican City Venezuela VietNam Zambia Zimbabwe
• Address line 1 *
• Address line 2
• State * --- Select --- Alabama Alaska American Embassy Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Military AP Military AA Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Virgin Islands Washington West Virginia Wisconsin Wyoming
• Province * --- Select --- Alberta British Columbia Manitoba New Brunswick Newfoundland Northwest Territory Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon
• State or Province of residence * Select State Outside USA and Canada Alabama Alaska American Embassy Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Military AP Military AA Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Virgin Islands Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland Northwest Territory Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon
• Phone Number * ###-###-#### -->
• Confirm Email *
• How would you like to receive your claim form(s)? * EMAIL MAIL

Hover on the claimtype to see its description here.

• Please tell us the reason for your claim *
• 57) return false;" value="" />

If cancelling a trip, please remember to notify your travel provider of the cancellation. If your plan includes "Trip Cancellation" protection you may be entitled to reimbursement (up to the dollar limit specified in your plan) if you are prevented from taking your trip due to a covered reason. Please refer to your plan description for further explanation.

If your plan includes "Trip Interruption" protection you may be entitled to reimbursement (up to the dollar limit specified in your plan) if you are prevented from completing your trip due to a covered reason. Please refer to your plan description for further explanation.

If your plan includes "Trip Delay" or "Travel Delay" protection and the flights departing to, or returning from, your travel arrangements (tour, cruise or other) are substantially delayed, you may be entitled to reimbursement of the cost of catching up with your trip, or for the expenses resulting from delays returning home - up to the dollar limit specified in your plan. Reimbursable expenses may include additional airfare, meal and lodging expenses (if not provided by your airline). The coverage may also include reimbursement for the days of your trip that are missed, again, up to the trip delay coverage limit indicated in your plan description brochure. Per day limits may also apply. The trip delay coverage usually "kicks in" after delays of a specified number of hours, also indicated in your plan description.

If your plan includes "Baggage Protection" you may be entitled to reimbursement for loss, theft or damage to baggage and personal effects. Additionally, you may be entitled for reimbursement for expenses of necessary personal effects purchased while at a destination other than your place of residence if your bag was delayed or misdirected by a Common Carrier for more than 24 hours from the time you arrived at the destination stated on your ticket. You must be a ticketed passenger on a Common Carrier. The amount of the reimbursement is not to exceed the dollar limit specified in your plan.

If your plan includes "Rental Car Damage" protection and if while on a covered trip your rental car is damaged due to a covered reason, you may be entitled to reimbursement (up to the dollar limit specified in your plan). Please refer to your plan description for further explanation.

Provides reimbursement (up to the dollar limit specified in the plan description) to a property owner for covered damages that occur to their property as a result of a renter. Please refer to your plan description for further explanation.

If your plan includes "Medical Protection" you may be entitled to reimbursement for Emergency Evacuation, Repatriation of Remains and Accident and Sickness Medical Expense. Please refer to your Description of Coverage for more details and plan dollar limits.

By editing the policy number, you may need to re-enter the travel provider name and re-select which claim types you'd like to receive. Are you sure you'd like to edit the policy number?"

• Princess Cruises

How long is Aon Affinity taking to reimburse claims?

By dickinson , April 28, 2022 in Princess Cruises

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It has been five weeks now since I submitted a claim to them.  Their site still says "assigned".  Not even showing it "processing".  Anyone in a similar situation?  How long does it take to be reimbursed?  Yes, I know they are probably quite busy!

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LACruiser88

We submitted our claim on March 5th.  Ours is in final review and awaiting for Princess to confirm the trip interruption.  Call them and they can give you more info than what you see online.

In case you don't have their number, (800) 453-0567

My sisters initiated a claim back in mid-March.  It was an extremely complicated booking. More documentation was needed.  I just added my name this past Saturday by phone.  I was added 2 business days after that.  I was told it may take up to 21 business days to hear back by email on their decision.  Then communication will be with an claim processor/adjuster.  Current standing is “processing” 

The call person really can’t answer anything about the claim nor can you personally reach the adjuster.  It’s a sit and wait.  I would call, though, and see why it hasn’t started.  Did you check your junk mail for an email asking for more documents?    

Good luck.  It used to be a slam dunk reimbursement.

@cr8tiv1 Yes, I always check my junk mail.  Not there.  About to go out so I'll call when I get home.  I just hope they don't have real long hold times.

Just now, dickinson said: @cr8tiv1 Yes, I always check my junk mail.  Not there.  About to go out so I'll call when I get home.  I just hope they don't have real long hold times.

I just called the number posted above ... about a time limit for filing a claim ... there is none.

press one for english ... less than a minute later ... to whom am I speaking with today ... how can I help you ... is there anything else ...

I just called them with the phone number on their website (different than above).  I didn't have to wait.  Yay!  She looked at my claim and said they have a lot of claims right now (not a surprise) and she will put in a request to expedite.  She said the average claim takes 21 business days.  We are at 28 business days since we received the email from them (I assume it came the same day we submitted the claim) and it just shows "assigned".  Not even in progress.  It is actually a simple claim asking for less than $50 (about $38) because my other insurance paid the rest. 

Buckeye10640

Yes, still have an 'assigned' claim filed after the FLL mess on 3/12. I emailed last week and got a standard 'we have lots of claims to process' reply.  

Good Luck, I submitted 2 claims on January 21st as BF's mother passed away and we had to cancel our B2B. I just received a check yesterday for 1 claim and when I called about the other one which I have been about every 3 weeks I had been told about a month out that they had put the wrong travel supplier on it and it now had a new claim number and the process was starting all over again. So as of yesterday they were waiting to hear back from the cruise line to see if there is a penalty. Penalty- what, someone passed away. 

48 minutes ago, odie1024 said: Good Luck, I submitted 2 claims on January 21st as BF's mother passed away and we had to cancel our B2B. I just received a check yesterday for 1 claim and when I called about the other one which I have been about every 3 weeks I had been told about a month out that they had put the wrong travel supplier on it and it now had a new claim number and the process was starting all over again. So as of yesterday they were waiting to hear back from the cruise line to see if there is a penalty. Penalty- what, someone passed away. 

So sorry to hear this.  Very frustrating.

Rick&Jeannie

We've had to file 2 different claims for missed cruises (both due to airline snags that caused us to miss the boat).  I was not expecting a refund...was fully expecting to receive FCC for each.  Apparently AON still has to "process" your claim in this situation.  Both times it was right at about 28 days.  They then kick it back to Princess and send an email to me saying that I did not qualify for a cash refund (I knew that).  Within about a week it shows up as FCC in my Princess account.

Note: I am making an assumption (maybe a BIG assumption) that you really have to go through AON even if you just want FCC.  On the second claim I considered just waiting to see if it magically appeared in my Princess account...but I chickened out and filed as I had the first time around!

Does anybody know for sure if you just want the FCC will Princess automagically handle it or do you really have to go through AON?

• 3 weeks later...

On 4/28/2022 at 5:30 PM, Buckeye10640 said: Yes, still have an 'assigned' claim filed after the FLL mess on 3/12. I emailed last week and got a standard 'we have lots of claims to process' reply.  

FLL flights were a mess on Mar 19, and that is why I filed 8 weeks ago.

Have you received a refund yet?

11 minutes ago, PacnGoNow said:   FLL flights were a mess on Mar 19, and that is why I filed 8 weeks ago. Nothing! Have you received a refund yet?

No, its still in assigned status

12 minutes ago, PacnGoNow said:   FLL flights were a mess on Mar 19, and that is why I filed 8 weeks ago. Nothing! Have you received a refund yet?

21 minutes ago, Buckeye10640 said: No, its still in assigned status

Mine too.  I applied on March 21. Please update me when you hear back.

Was yours a claim for travel interruption?

filed 5/3 ( for an onboard medical incident on 1/29/22, yeah, I know )  "assigned"

also file with Primary insurance - snail mail - do you believe that?? - received by them on 5/8 per tracking. Called yesterday to primary - it's a medicare advantage supplement plan thru aarp - still not in process yet - could take up to 30 days - but I did learn something about I have a "Worldwide Urgent Care Coverage" with no co-pay.  So will see what happens with that, then add that to my Aon claim.

I'm thinking maybe settled by our next cruise over Thanksgiving  🦄

1 hour ago, voljeep said: filed 5/3 ( for an onboard medical incident on 1/29/22, yeah, I know )  "assigned"   also file with Primary insurance - snail mail - do you believe that?? - received by them on 5/8 per tracking. Called yesterday to primary - it's a medicare advantage supplement plan thru aarp - still not in process yet - could take up to 30 days - but I did learn something about I have a "Worldwide Urgent Care Coverage" with no co-pay.  So will see what happens with that, then add that to my Aon claim.   I'm thinking maybe settled by our next cruise over Thanksgiving  🦄

Sure hope so!  

Just got off the phone with AON (claim submitted 3/14).  Very nice representative who checked my "diary" entrees.

Everything has been reviewed.  Sent on to Princess on 4/25 to verify:

1.  Penalties (solo supplement)

2.  Amounts for each passenger

3.  Interest

Everything will go to person who initiated claim.  Individual checks.  

Once approved, 2 days to cut checks.  Mailed same day.  USPS may take from 7 - 14 days (no joke).

Still waiting for Princess.

2 minutes ago, cr8tiv1 said: 3.  Interest

On 4/28/2022 at 8:59 PM, Rick&Jeannie said: We've had to file 2 different claims for missed cruises (both due to airline snags that caused us to miss the boat).  I was not expecting a refund...was fully expecting to receive FCC for each.  Apparently AON still has to "process" your claim in this situation.  Both times it was right at about 28 days.  They then kick it back to Princess and send an email to me saying that I did not qualify for a cash refund (I knew that).  Within about a week it shows up as FCC in my Princess account. Note: I am making an assumption (maybe a BIG assumption) that you really have to go through AON even if you just want FCC.  On the second claim I considered just waiting to see if it magically appeared in my Princess account...but I chickened out and filed as I had the first time around!   Does anybody know for sure if you just want the FCC will Princess automagically handle it or do you really have to go through AON?

You still have to go through AON. The CFAR applies only  after your claim is denied by insurance because it was not a covered reason.  Covered reason= insurance. Any reason not covered by insurance= Princess FCC.

• 5 months later...

I filed a claim with AON infinity on 03 August - very straightforward, disembarked due to positive COVID test.  Submitted all the paperwork/proof and got the standard "Apologies for the wait time, we're processing a significant number of claims currently.  Waited 21 days and called, told it's "still taking a long time, they've received my paperwork and will contact me if they need anything else". Advised to wait 21 BUSINESS days.  Waited the requested time and still nothing.  Not even moved from "Assigned Examiner" to "In Progress". Called for a third time and asked for a supervisor who told me they were working as fast as possible and asked for ANOTHER 30 days!  Waited those 30 days and called for a fourth time today.  Still NO ACTION and I got the same script read to me as before: "I do apologize for the wait time, I see here we have received your paperwork and we are working as quickly as possible".  Asked for a supervisor again and she read me the same script, said it would be another 30 days and still couldn't tell me that I would have any results by then.  I'm pretty upset by now, it's been over 80 days with ZERO results or assistance.  Not happy that I have literally ZERO recourse and am at their mercy...needless to say, I will NEVER use them again and will be filing complaints with every agency and regulatory office I can.

Arizona Wildcat

You do know that AON has no incentive to resolve claims fast.  Precovid a site claim was 8 weeks.  Today could be months.

AON and other insurers will eventually get around to the claims.  Feels today that multiple calls just gets a claim returning to the bottom of the pile.

Regulatory complaints actually put things on hold, so don't raise that until after they finally settle.

We, too, are awaiting for our May 2022 claim to get resolved. 

It was 6 months for me

Filed in March and paid in full in September. 

Hazelnut1106

I used a different insurance company. Filed my claim July 8. Received reimbursement Aug 29. Satisfied customer.

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