Travel Insurance Frequently Asked Questions

Northwest now offers Trip Protector through an insurance provider, Access America. Trip Protector is the combination of travel insurance benefits and travel assistance services designed to provide you greater peace of mind and added protection when traveling. It's something that every traveler needs, no matter what type of trip they're taking.

Travel protection insures your financial investment (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason, and it provides valuable assistance services. Subject to the terms and conditions, here are a few of the benefits you'll enjoy:

• Reimbursement of the non-refundable portion of your travel investment if you have to cancel or interrupt your travel for a covered reason;
• Reimbursement for unexpected travel expenses you might incur;
• 24-hour access to emergency medical referrals and assistance;
• Medical assistance abroad (your case will be monitored by staff back home)

The insurance component of travel protection provides reimbursement for non-refundable financial expenses associated with certain cancelled or interrupted trips. The valuable assistance services provide help when you need it most. Click below to get the specifics:

• Trip Cancellation
• Trip Interruption
• 24-hour assistance hotline

Access America(r) offers a 24-hour hotline staffed with multilingual specialists, trained to help travelers with emergency medical, legal or travel help. And should a medical emergency arise, we will coordinate medical assistance and emergency transportation.

No. Trip Cancellation coverage will only refund prepaid, non-refundable payments if you have to cancel for a covered reason. Covered reasons include sudden medical emergencies, death of a family member or traveling companion, certain terrorist acts (as described below), or bad weather  that completely shut down your common carrier, or being called for jury duty. There are other reasons as well, see the Terms and Conditions for complete details. Please note that no benefits will be extended for cancellations due to business obligations or simply changing your mind, as these are not covered reasons.

Every insurance plan contains restrictions and limitations. Existing medical conditions are one of these limitations. For more information, please refer to the terms and conditions, or contact Access America at 1-800-496-6903 to receive more detailed information.

Benefits are provided through Access America, a service mark and a division of World Access Service Corp. Insurance coverage is provided under Form No. 52.401 or 52.201 issued by BCS Insurance Company or Form No. 101-C-XX-01 or 101-P-XX-01 issued by Jefferson Insurance Company. Please refer to the Certificate of Insurance/Policy for coverage information and the limitations, conditions and exclusions that may apply.

Call Access America(r) toll free at 1-800-496-6903.

Trip Protector is purchased directly through Access America(r), Northwest's preferred supplier. All policy documentation will be sent directly to you from Access America. Trip Protector purchase status and policy number information are viewable in the My Info section at www.nwa.com

No. Be sure to contact Access America directly to make any changes and/or cancellations to your travel protection. Our satisfaction guarantee allows you up to ten days from the purchase date of insurance to cancel your protection plan and receive a full refund of premium, as long as you have not already departed on your trip or filed a claim. No refunds shall be paid after the ten days. However, if you do have to cancel your trip, make sure you review your Certificate of Insurance/Policy: your travel protection may provide benefits if you have expenses due to the cancellation.

Right away! You can buy Trip Protector up until the day before you leave on your trip, but we recommend you purchase as early as possible to have the greater peace of mind that comes with knowing you're covered. Trip Protector is available during the airline ticket purchase process, or after your purchase by visiting www.etravelprotection.com/northwest

These are a brief description of the insurance protection and services provided by the Trip Protector. Exclusions, conditions, and limitations apply. A complete description of these is available in the Terms and Conditions section at www.etravelprotection.com/northwest, or in the Certificate of Insurance/Policy that will be sent to you upon our acceptance of your application and full payment for coverage.

Policy Amount - This is the amount or protection that each benefit provides. When purchasing travel insurance, be sure to find the plan that offers the policy amounts to meet your vacation needs.

Trip Cancellation/Interruption - Provides reimbursement of covered non-refundable trip payments or deposits if your trip is cancelled or interrupted for one of the covered reasons.

If your ability to travel is affected by one of the events listed below you may be eligible to receive benefits:

• Illness, Injury or Death of you, a covered family member or traveling companions
• Natural Disasters or Bad Weather that result in the complete cessation of services by an airline, tour operator or cruise line for at least 24 hours.
• Employer termination - if you or a traveling companion have been with the same employer for at least 3 continuous years, and are terminated through no fault of your own.
• Jury duty, court order or subpoena requiring you to cancel your trip
•  Fire, flood, burglary, vandalism or natural disasters making your home uninhabitable
• You or a traveling companion being hijacked or quarantined
• You or a traveling companion being directly involved in a traffic accident while directly en route to departure
• Certain Terrorist Acts 
  • Coverage is for incidents that occur in a foreign city within 30 days of your scheduled arrival
  • Coverage excludes travel to specific countries with documented incidents occurring in the 6 months prior to insurance purchase
• If you or a traveling companion are on Active Military Duty in the U.S. Armed Forces and:
  • Have your personal leave revoked within 10 days of departure; or
  • Are personally reassigned within 10 days prior to departure, whether temporary or permanent
• You or a traveling companion being the victim of a felonious assault within 10 days prior to departure
• Your family or friends living abroad for whom you were planning to stay, are unable to accommodate you due to a life threatening illness or injury or death