IMPORTANT: This feature will only be available in Australia for select travel agencies during beta. If you are interested in participating in beta, please reach out to your account manager. Please review this important information in detail before discussing XCover with your traveler or getting a quote.
If your traveler is interested in knowing more about travel protection to safeguard their booking, use this script to confidently talk about XCover. It includes disclaimers that should be shared with your traveler and questions to help in assessing their needs.
Review the coverage options available and select Add protection.
You can protect a traveler’s full trip or select separate policies to customize their coverage. Select View terms to refer to the full policy wordings.
Enter the traveler’s email address and select Email quote to traveler to send the quote and terms and conditions to the traveler. If you prefer, you can email the quote to yourself first before sending it to the traveler for review.
Important
To continue, you will need to attest that the traveler has received a copy of the quote, reviewed the terms and conditions, and that they wish to proceed with adding protection. Quotes cannot be saved for future reference or payment. If you are unable to complete all the steps above and add protection at one time, you will need to initiate a new quote.
Fill in all fields on the form related to all travelers and select Continue to payment. Traveler 1 must be over the age of 18 and will be the Policyholder. Be sure that the name you enter is as shown on the traveler’s photo ID.
Select who is paying, enter payment card details and select Pay.
Important
If you use an agency credit card, you will not be able to manage or cancel the protection plan. Only the policyholder (Traveler 1) can make cancellations.
You will receive an email with your traveler’s confirmation details, and your traveler will receive a confirmation email from XCover with relevant information about their protection. It’s very important that they follow the instructions in that email and activate their XCover Account before they travel.
From their XCover Account, they can make a claim, make changes and view their protection terms.
Please note XCover Protection is subject to additional terms, conditions, and exclusions. Your traveler should check the protection documents available in their XCover Account.
This product contains a 15-day cooling off period, so if for any reason they do not wish to retain their protection they can cancel it within the cooling off period and receive a full refund.
Once XCover Protection is booked through XCover.com for Expedia TAAP, your traveler (the policyholder) will receive an email with the details of their policy, and another one with instructions on how to log in to their XCover Account.
Please remind your travelers that it’s important to activate their XCover Account when they receive the email. The XCover Account is the easiest way for travelers to access their documents, make changes to their protection or make a claim.
To ensure your traveler receives compliant, risk-free communications about their protection once booked, general support and claims-related questions should always be handled by XCover teams (licensed agents).
You can use these resources to redirect your traveler to the appropriate channel for assistance.
Find answers to some of the most asked questions regarding a trip insurance booking.
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What travel services can be covered?
At this time, you can book trip insurance for Flights, Hotels and Packages. Hotels include alternate accommodations like vacation rentals. As part of Package bookings, rental cars are covered only for the cost of cancelling.
What is included in the total trip cost?
When you enter your travelers' trip details to get a quote for protection, you'll be asked to confirm the travel services purchased (flights, hotels or packages) and provide the total trip cost for all travelers.
Trip cost includes any prepaid travel costs, such as flights, accommodations, and prepaid activities. Government taxes are also included.
Exclusions: The total trip cost does not include any additional fees and charges applied to your booking such as prepaid food and seat selection costs, airport services (e.g. baggage or flight delay services), airport surcharges, booking fees, agent fees, administration fees, credit card processing or foreign exchange fees.
Make sure you double-check the total trip cost you enter, as it can affect your traveler’s protection price and coverage.
What’s covered?
Depending on the protection booked and whether they are traveling internationally or domestically, your traveler may be covered for the following benefits: Trip cancellation, Trip abandonment, Medical & dental issues abroad, Personal property theft or loss by the carrier, Baggage theft or damage, Missed departure, Personal liability, and Legal expenses
When reviewing coverage options, you can select “View terms” to review a summary of the protection options being quoted or booked, as well as the Product Disclosure Statement (PDS) for the full list of inclusions and exclusions.
Note: XCover Protection is subject to additional exclusions and limitations. Please check the wording for the full list of inclusions and exclusions, and encourage your traveler to check the wording in their XCover Account before making a claim, as scenarios not listed in the wording will not be covered.
What's not covered?
XCover Protection may not cover your traveler if:
They need to cancel their trip due to work, school or family commitments.
They already received compensation for their trip cost from the airline or other service provider.
They do not provide supporting evidence or necessary documents during the claim process.
They change their mind about going on their trip.
They decide to add a destination to their itinerary or change their final destination.
The event that caused their claim occurred before buying XCover Protection.
They are travelling against the advice of a medical practitioner.
XCover Protection is subject to additional exclusions, terms and limitations. Please encourage your traveler to check the wording in their XCover Account for the full list of inclusions and exclusions.
Who is covered?
All travelers included in the trip booking will be covered by XCover Protection. Make sure you include the information of all travelers included in the booking when you purchase XCover Protection. Your traveler can check the certificate in their XCover Account to see the travelers covered by their protection. For more information on submitting a claim for travel companions, please visit XCover Help.
How will payment for trip insurance appear on my agency’s or traveler’s credit card statement?
Cover Genius will be the merchant-of-record on trip insurance bookings and the merchant descriptor will be "XCover Protection".
Can group policies be purchased?
Yes, but we will need to know the number of travelers in order to know how many customers are covered. Policies only show in a single XCover account though, so groups of travelers will need to perform all policy-related activities from one location.
Is there a maximum number of travelers that can be added to a policy?
A maximum of 25 travelers per type (adults, children, infants) can be added to a policy.
Can discounts be applied to policies?
This capability is not available at this time in the booking experience, You can pay using your agency credit card and pass on a discount when billing the traveler, however the full premium amount will always be shown in their XCover Account.
