The Travelex Insurance TSB-1220 Plan, also known as Travel Select, is a premium travel insurance policy designed to provide financial protection for travelers against trip cancellations, medical emergencies, baggage loss, travel delays, and more. With primary coverage and no deductibles, this plan offers peace of mind for families, frequent travelers, and those with pre-existing medical conditions.
This in-depth guide covers everything you need to know about the TSB-1220 Plan, including its benefits, exclusions, pricing, comparisons with other policies, and how to choose the right coverage for your trip.
What Is the Travelex Insurance TSB-1220 Plan?
The TSB-1220 Plan is a comprehensive travel insurance plan offered by Travelex Insurance Services, one of the most reputable names in the travel insurance industry. The plan is particularly popular due to its high coverage limits, flexibility, and optional add-ons, including:
- Pre-existing condition waiver (if purchased within 15 days of initial trip payment)
- Cancel for Any Reason (CFAR) coverage
- Medical evacuation coverage up to $500,000
- Protection against financial default of travel suppliers
Designed for domestic and international travelers, the TSB-1220 Plan ensures financial security in unexpected situations while allowing customization based on individual travel needs.
Travelex Insurance TSB-1220 Plan Benefits
The TSB-1220 Plan includes an array of benefits to protect travelers from financial risks while on the go.
Trip Cancellation and Interruption Coverage
- Reimburses 100% of non-refundable trip costs (up to $50,000) for covered cancellation reasons, such as:
- Illness, injury, or death of the insured, a traveling companion, or a family member
- Natural disasters or severe weather preventing travel
- Financial default of a travel supplier (if purchased within 15 days of initial trip deposit)
- Work-related emergencies, including job loss
- 150% reimbursement (up to $75,000) for trip interruptions caused by medical emergencies, airline strikes, and other unforeseen events.
Emergency Medical and Dental Coverage
- Covers up to $50,000 in emergency medical expenses, including:
- Hospital stays and medical treatments
- Ambulance transportation
- Doctor visits and prescriptions
- $500 dental sublimit for unexpected dental emergencies during the trip.
Emergency Medical Evacuation and Repatriation
- Covers up to $500,000 for emergency transportation to the nearest hospital or a medical facility of choice.
- Includes repatriation of remains in case of fatal incidents.
Travel Delay and Missed Connection Coverage
- $2,000 trip delay coverage for hotel stays, meals, and transportation if travel is delayed for over 5 hours.
- $200 baggage delay reimbursement for purchasing essential items.
Baggage and Personal Effects Coverage
- Reimburses up to $1,000 for lost, stolen, or damaged baggage.
- Includes coverage for travel documents, electronics, and clothing.
Cancel for Any Reason (CFAR) Upgrade
- Offers 50% reimbursement for trips canceled for reasons not covered under standard cancellation benefits.
- Must be purchased within 15 days of initial trip payment.
Read: Shop Weekend Travel Bag: Perfect Travel Companion
How to Purchase the Travelex Insurance TSB-1220 Plan?
- Visit the Official Travelex Website:
- Navigate to the official Travelex Insurance website. Make sure you are on the right page to purchase the TSB-1220 Plan.
- Select Your Plan:
- Choose the Travel Select (TSB-1220 Plan) option from the available products. Ensure that this plan matches your travel needs, especially if you need the pre-existing condition waiver or Cancel for Any Reason (CFAR) coverage.
- Enter Trip Details:
- Input information about your trip, including departure and return dates, your destination, and the number of travelers.
- Review the Coverage:
- Check the coverage options to confirm that you’re getting the right benefits for your travel situation. Ensure that optional coverages like Adventure Sports Coverage or Car Rental Collision Coverage are included if needed.
- Add Personal Information:
- Provide your personal details and any relevant health information if requested (e.g., for pre-existing conditions). This is especially crucial if you plan to take advantage of the pre-existing condition waiver.
- Make Payment:
- Once you’ve reviewed your options, proceed to the payment section. Payment can be made via credit card or other methods accepted by Travelex.
- Receive Confirmation:
- After payment, you’ll receive a confirmation email with your policy details and a copy of your travel insurance certificate. Keep this document safe as you will need it if you need to file a claim or verify your coverage.
Exclusions and Limitations of the Travelex Insurance TSB-1220 Plan
Pre-Existing Condition Exclusion:
The pre-existing condition waiver only applies if the policy is purchased within 15 days of the initial trip deposit. If purchased later, any medical condition you had before the policy was issued may not be covered under the plan. This can include chronic illnesses, prior surgeries, or ongoing treatments.
Trip Cancellation and Interruption:
The plan covers trip cancellations and interruptions caused by sickness, injury, death, or other covered events, but there are specific limitations. For example:
- Fear of travel: If you cancel due to fear of travel, including situations related to COVID-19, it will not be covered unless you have purchased the Cancel for Any Reason (CFAR) upgrade.
- Non-covered reasons: Trip cancellations resulting from issues like personal travel changes, financial difficulties not caused by a travel supplier’s bankruptcy, or canceled plans due to change in employment conditions might not be covered unless specified under a separate upgrade.
Baggage Loss:
While baggage loss is covered up to $1,000, certain items are excluded, such as cash, jewelry, and electronics if they are not declared or stored properly. Be sure to read the fine print regarding these exclusions.
Travel Delays:
The policy covers delays, but typically only after a delay of 5 hours or more. If the delay is under that time, you will not be eligible for compensation.
Read: Travel Background: Bringing Travel Dreams To Life
What Travelers Are Saying About the TSB-1220 Plan?
To give you a better idea of how the Travelex Insurance TSB-1220 Plan has worked for real travelers, here are some hypothetical customer testimonials based on typical experiences. These stories can help illustrate the value of the plan.
Testimonial 1:
“We purchased the TSB-1220 Plan for our family trip to Europe, and I couldn’t be happier with the coverage. When my daughter fell ill and had to be hospitalized during the trip, the medical expenses were fully covered up to the $50,000 limit. The emergency evacuation also made us feel safe knowing we could be transported to a preferred hospital if needed. It gave us peace of mind throughout the entire vacation. I highly recommend this plan for anyone traveling with kids.”
Testimonial 2:
“As a person with a chronic condition, I’ve always been hesitant about purchasing travel insurance. However, with the pre-existing condition waiver on the TSB-1220 Plan, I was able to travel without fear. When I had a medical issue while on a trip to Asia, the medical coverage took care of my hospital stay and treatment without any hassle. The claims process was simple, and the support team was extremely helpful. I will definitely use this plan again for future travels.”
Travelex Insurance TSB-1220 Plan Coverage Details
| Benefit | Coverage Amount |
| Trip Cancellation | 100% of trip cost (up to $50,000) |
| Trip Interruption | 150% of trip cost (up to $75,000) |
| Emergency Medical & Dental | $50,000 ($500 dental sublimit) |
| Emergency Evacuation & Repatriation | $500,000 |
| Accidental Death & Dismemberment | $25,000 |
| Baggage & Personal Effects | $1,000 |
| Trip Delay Coverage | $2,000 |
| Baggage Delay | $200 |
How Pre-Existing Condition Waiver works?
One of the biggest advantages of the TSB-1220 Plan is the pre-existing condition waiver, which:
- Covers pre-existing medical conditions if the policy is purchased within 15 days of the initial trip deposit.
- Ensures travelers with chronic conditions receive full coverage for medical expenses.
- Provides a major advantage over standard travel insurance policies that typically exclude pre-existing conditions.
Read: Traveling Through Time And Space To Become An Unlucky NPC: A Comedic Journey
Travelex Insurance TSB-1220 Plan vs. Other Travel Insurance Plans
| Feature | Travelex TSB-1220 | Allianz OneTrip Prime | World Nomads Explorer |
| Trip Cancellation | 100% (up to $50,000) | 100% (up to $100,000) | 100% (varies) |
| Trip Interruption | 150% (up to $75,000) | 150% (up to $150,000) | 100% (varies) |
| Medical Coverage | $50,000 | $25,000 | $100,000 |
| Emergency Evacuation | $500,000 | $500,000 | $300,000 |
| CFAR Option | Yes (50% reimbursement) | No | Yes (75% reimbursement) |
| Pre-Existing Condition Waiver | Yes | Yes | No |
| Adventure Sports Coverage | Optional Upgrade | No | Yes |
Who Should Consider the Travelex Insurance TSB-1220 Plan?
The TSB-1220 Plan is ideal for:
✅ Families traveling with children (includes free coverage for kids under 18)
✅ Travelers with pre-existing conditions (waiver included)
✅ Those needing high medical evacuation limits
✅ Vacationers seeking Cancel for Any Reason coverage
FAQs
What is the maximum trip length covered?
The plan covers trips up to 364 days, making it ideal for long-term travelers.
Does the plan cover COVID-19 cancellations?
Yes, trip cancellations due to COVID-19 illness are covered. Fear of travel due to COVID-19 is not covered unless CFAR is purchased.
Can I upgrade my plan after purchasing?
No, optional upgrades must be selected at the time of purchase.
How do I file a claim?
Claims can be submitted online via the Travelex Insurance website, with supporting documentation required.
Is the Travelex Insurance TSB-1220 plan refundable?
Yes, the policy is fully refundable within 15 days of purchase, as long as no claims have been filed.
Final Thoughts
The Travelex Insurance TSB-1220 Plan is a top-tier travel insurance policy with comprehensive coverage, strong medical benefits, and flexible add-ons. It is particularly valuable for families, long-term travelers, and those with pre-existing medical conditions.
Planning a trip? Consider the TSB-1220 Plan for financial security and peace of mind. Have you used this plan before? Share your experience in the comments!
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