Do you offer trip interruption/travel insurance?

Yes, we do. We offer two types of travel insurance through a third-party insurance provider: Standard Travel Protection and CFAR (Cancel for Any Reason). CFAR is an ADD-ON to Standard Travel Protection. That is, it includes all the protections of Standard Travel Protection, but ALSO, the an addiitonal cost (currently of 3.8%), you gain the ability to, as it says, also cancel for any reason not convered by the Standard Travel Protection, even ‘just not wanting to go,’ and still be able to recover 60% of the eligible trip costs.

Please note. All amounts, eligibility, and so on on this page are subject to change, and this page should not be used as a reference for making decisions as it is not dynamically updated, though we try! For the latest information, your best bet is to review the third-party provider’s site or contact them.

The coverage is provided through Nationwide Insurance, managed by RentalGuardian. Check it out!

Here is the short version of the two coverages!

  • Standard Travel Protection
    • Cost – 7% of total trip cost
    • Purchase eligibility
      • If trip arrival is more than 30 days, can be purchased at any time.*
      • If trip arrival is less than 30 days, must be purchased within 5 days of booking.*
      • Maximum trip length – 90 days
      • Maximum trip cost – $100,000
    • Coverage (general coverage, varies per policy)
      • Weather-Related – Hurricane/Mandatory evacuation
      • Illness/Injury
      • Job Loss
      • Mandated Work
      • Much more
    • Policy sample (select the state you live in at link)
  • CFAR (Cancel For Any Reason)
    • Cost – 10.8% of total trip cost
    • Purchase eligibility
      • If trip arrival is more than 30 days, can be purchased within 14 days of booking.*
      • CFAR is not available for any trips with arrival of less than 30 days.*
      • Only available for US residents, however is not available for residents of NY or WA
      • Maximum trip length – 90 days
      • Maximum trip cost – $100,000
    • Coverage
      • All Coverage benefits of the standard plan at 100% claim benefit for covered reasons listed in the policy.
      • CFAR – Cancel for any reason benefit 60%
      • To be eligible to claim the CFAR benefit, you must cancel your reservation 48 or more hours before scheduled arrival.

* Please note that if the covered event has already happened, for example if storm has been named, a diagnosis made, a job lost, whatever the potential claim may be, then purchasing insurance after that event regardless of eligibility to purchase will likely not cover that event. This is pretty reasonable… you cannot purchase insurance to cover something that already happened or is already known.

How do I add interruption/travel insurance?

You can choose either type of travel insurance when you book from the booking page of our site. You can’t miss it, as you have to choose either one of the coverages, or to decline it!

You can also add the coverages after the fact, subject to limitations. However, there is a strict TIME LIMIT on when you can add CFAR. You can add Standard Travel Insurance, almost up to the date of the trip. HOWEVER, travel insurance that is purchased after a named peril occurs (for example, say a hurricane is named in the Gulf and you THEN buy insurance, WILL NOT cover that peril. That’s pretty fair, since you would be trying to cover a risk after you incur the risk, and they would go out of business pretty fast if they allowed that!

Ready to add insurance? Just contact us. We can add it! Send us a note on any of the reservation emails stating which one, and we can add it for your. It will be the percentages above, but we can also send a quick quote too!

We just cannot answer most questions about it because we are not insurance providers, so we are not allowed to do so! Rules!

Help! Gulf Shores vacation home travel insurance