Cancellation Insurance

ASA provides this information AS A REFERENCE ONLY and does not endorse any specific insurance or other product.

It is solely the participant's responsibility to research and understand all terms, inclusions, and exclusions of any insurance policy they choose to purchase.

Availability of plans and coverages may vary by state.

CANCELLATION INSURANCE

Because ASA program fees become non-refundable before the program starts, we strongly encourage purchasing travel insurance to protect your investment.

To have the maximum level of protection against losses for trip cancellation, CFAR (Cancel for Any Reason insurance) is needed, and we do recommend purchasing this. Please be aware that CFAR must be purchased within 15 calendar days of making your initial trip payment, which is often times your deposit.

TRAVEL/TRIP INSURANCE

If you miss the window for CFAR, the other coverages below such as Trip Cancellation Package, Trip Interruption, Trip Delay, etc. can still be purchased up until the day before your departure - and we strongly recommend doing so to protect your investment.

PERSONAL LIABILITY INSURANCE

Student participants are strongly advised to purchase personal liability insurance for the time they will be abroad.

PERSONAL PROPERTY INSURANCE

It is solely the student participant’s responsibility to insure and secure any and all personal property/belongings, as loss, theft, or damage of personal property/belongings can happen while abroad.

One of the most unknown perks of renters or homeowners insurance is that it covers your personal items not just at home, but anywhere in the world! So, if your phone or laptop is stolen while you're overseas, you may have coverage if you or a parent/guardian has this insurance. We recommend contacting your policy provider to inquire about using this benefit. You may need a separate rider or it may be part of your policy. They will also want an itemized list of all the personal effects you want covered.

ASA is NOT responsible for lost, damaged, or stolen personal property/belongings, including while stored/used in your housing, at your host institution, or any other ASA program space.

Trip Cancellation Package

This kind of policy typically covers the non-refundable cost of your program in the event you must cancel for a covered reason.

Cancel For Any Reason (CFAR)

This typically covers cancellation of a covered trip for any reason not otherwise covered by the policy, up to 75% (50% in Florida) of non-refundable trip costs. Purchase conditions apply and this may not be offered in your State.

For many policies, you must purchase within 15 days of initial trip payment, and insure the full amount of any non-refundable trip costs (i.e. your entire trip cost).

Typically, the cancellation must occur no less than 48 hours prior to the scheduled departure date. Refer to policy statements for full details.

Trip Interruption Coverage

Can reimburse up to 150% of your pre-paid and non-refundable trip cost if a portion of a program is missed, or if you must return home early due to unforeseen circumstances, including illness, injury, or death.

Trip Delay Package

Typically, these policies can reimburse up to $200 per day and $2,500 for the costs of meals, local transportation and accommodations when your program is unexpectedly delayed for covered reasons, plus Missed Connection, which can reimburse up to $1,000 for the cost of extra transportation to rejoin the program, additional local expenses, and the cost of missed arrangements.

Baggage Package

A baggage policy typically provides up to $2,500 for reimbursement of lost, stolen, or damaged luggage, sporting equipment and personal effects. Policies can also include Baggage Delay, which in some cases can provide up to $100 per day or $500 per trip to cover the purchase of clothing, toiletries, and other essential items if your luggage is delayed for a specified period of time.

battleface Travel Insurance plans are underwritten by Spinnaker Insurance Company (an IL Corporation, NAIC# 24376), with administrative office at One Pluckemin Way, Suite 102, Bedminister, NJ 07921. Plans are offered and administered by battleface Insurance Services LLC, 45 East Lincoln Street, Columbus, OH 43215, National Producer Number 18731960 (FL License number L107363/CA License number 0M75381.

Travel Retailers offering this plan may not be licensed insurance producers and cannot answer technical questions about the terms, benefits, exclusions, and conditions of this insurance or evaluate the adequacy of your existing insurance. Your Travel Retailer may be compensated for the purchase of a Plan and may provide general information about the Plans offered, including a description of the coverage and price. The purchase of this Plan is not required in order to purchase other travel products or services offered by your Travel Retailer. This is a brief description of the coverage provided under policy series RIG-1000. The Policy will contain reductions, limitations, exclusions, and termination provisions. Please refer to the Policy for complete details. If there are conflicts between the information on this site and the Policy, the Policy will govern in all cases. Not all products or coverages may be available in all jurisdictions. Non-insurance services are provided by battleface Assistance.

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Cancellation, Travel & Personal Insurance