Protect your vacation investment  against unforeseen events like a hurricane, sickness, injury, flight cancellation, job loss and much more with Play Travel Protection.

  • Offered by Vacasa (an authorized travel retailer of InsureStays)
  • Unique industry leading protection
  • Can protect everyone listed in Your Traveling Party.

Travel with confidence knowing Play Travel Protection is there when the unexpected happens.

This Travel Protection Program is for US Residents traveling to worldwide destinations (not subject to published travel restrictions). Play Travel - Lux has insurance that is underwritten by United States Fire Insurance Company of Morristown, New Jersey 07960.

Select Your State of Residence to View your Sample Travel Plan Document and Schedule of Benefits:


Canadian Residents - click here

*Schedule of Benefits - All references to currency are in United States dollars.

SECTION IV Travel Arrangement Protection Benefit(s)

Maximum Benefit Amount

Trip Cancellation 100% of non-refundable insured Trip Cost up to a maximum of $150,000
Trip Interruption 100% of non-refundable insured Trip Cost up to a maximum of $150,000
Trip Delay $750
Optional Cancel For Any Reason Benefit Available -  60% reimbursement of non-refundable insured trip cost included(Cancellation MUST be made 48 or more hours before scheduled trip departure date)
Single Supplement Included
Medical Evacuation and Repatriation of Remains

Medical Evacuation

Medically Necessary Repatriation and
Repatriation of Remains

up to $250,000



Ancillary Medical Evacuation

Transportation of Children & Child

Bedside Visit Transportation to Join You

up to $10,000 included 



SECTION V Protection For Your Belongings Benefit(s)

Maximum Benefit Amount

Baggage and Personal Effects

up to $1,250 subject to per item maximum of $500
Items subject to Special Limitations

$500 maximum combined

Sports Equipment Rental

up to $1,000

Baggage Delay (12 hours)

up to $1,000

SECTION VI Travel Insurance Benefit(s)

Maximum Benefit Amount

Emergency Accident & Sickness Medical


Dental Expense sublimit

up to $25,000


up to $500

SECTION VII Accidental Death and Dismemberment Benefit(s)

Maximum Benefit Amount

Accidental Death and Dismemberment

Aggregate $100,000








* Maximum Eligible Trip Cost is $150,000.

* Maximum Eligible Length of Trip is one hundred ten (110) days.

*15 day free look included in all states except Washington state; in Washington state the free look is 14 days.

*The Optional Benefit(s) listed in the schedule of benefits or plan are applicable only when specifically requested on the enrollment document(s) and applicant-purchaser have paid the additional cost and the purchase is confirmed on the confirmation of benefits delivered to the applicant-purchaser.

*The Optional Cancel For Any Reason Benefit is not available to residents of New York.

Who Is Eligible For Coverage
A person who is booked to travel on a Trip and pays the required plan cost is covered under this plan.

Non-Refundable Provision
After the 15-day free-look review period, the cost for this plan is non-refundable.

The Pre-Existing Medical Condition exclusion will be waived by the Insurer if all of the following conditions are met:
a. Your payment for this plan and enrollment form is received within the Time Sensitive Period; and
b. You or Your Traveling Companion, are medically able and not disabled from travel at the time Your plan cost is paid based on assessment of a Physician.

This Schedule is only a partial summary of your coverage benefits, and may vary by state. Your coverage benefits, including any exclusions, conditions and limitations, are described in full in the plan document, a copy of which will be emailed or mailed to you upon purchase (click "View Sample Certificate of Coverage" to view a sample). If you do not receive a copy, or want a replacement, please call (843) 286-5144 or email your request to [email protected].

This Program is provided only via licensed agents or authorized referral affiliates.

Plan Cost: 7.5% of Reservation Total.

Plan Cost with CFAR: 11.25% of Reservation Total.

Frequently Asked Questions

Travel Insurance covers unforeseen circumstances that may occur before or during your trip. It can protect you from losing your monetary investment if you have to cancel your trip within the penalty period where travel suppliers and tour operators keep your non-refundable deposits. It also provides coverage for other problems that you may face during your trip, such as lost, stolen, or damaged baggage, reimbursement of medical expenses and expenses incurred to evacuate you back to your home and more.

Travel protection covers risks incidental to planned travel such as trip interruption, trip delay, trip cancellation, and damaged or lost luggage. You can purchase Travel Insurance as a safety net to help protect yourself in case unexpected events negatively impact your travel plans. We recommend that you purchase your plan soon after making your initial trip payment to be eligible for the most coverage, but you must purchase travel insurance before anything actually happens to disrupt your trip. To understand exactly what the policy will cover and what it won’t, you must read your chosen policy carefully. If there is a problem and you need to file a claim, you’ll have to provide documentation of your issue, such as receipts, rental agreements or police reports. Like most other forms of insurance, Travel Insurance works on a reimbursement basis. That means you’ll have to pay your own costs up front, then be reimbursed by the company once they’ve approved your claim.

These plans do have time sensitive benefits, so we recommend that you purchase the policy right after making your initial trip payment. To receive the most benefits, you must purchase it within 14 days after making your initial trip payment. Time sensitive benefits include the Pre-existing medical conditions waiver, Financial Default and optional Cancel for Any Reason, depending on the plan you are reviewing.

The standard plan is available for purchase up to 30 days prior to the start date of your trip. If you are booking travel to start within the next 30 days, you can purchase standard travel insurance as long as it is purchased within 5 days of your reservation date (the date you make the initial payment for your booking). Travel protection with the Cancel For Any Reason (CFAR) benefit is only available for purchase within 14 days of your initial payment of your. CFAR is not available for purchase for trips within 30 days of your scheduled trip departure date (the date you depart for your travel destination). It is recommended that travel protection is purchased right after making the first payment toward any part of your trip so that you are eligible for the most benefits. If you wait to purchase your plan, you run the risk that something will happen (health, accident, death in family, etc) before the policy goes into effect. Once an event happens, you cannot insure against it. Also, pre-existing health conditions are included in any policy purchased within 14 days of your booking, thereafter pre-existing health issues are excluded.

No, you cannot purchase travel protection once you have already departed for your scheduled trip.

Standard travel protection provides 100% reimbursement up to your selected coverage maximum for 30+ different circumstances that may cause you to cancel or interrupt your travel plans. These circumstances are wide ranging and includes things like illness, weather, accidents, family death, job change, jury duty, travel delays and more. Please reference the policy for specifics. Program with CFAR benefit not available to residents of New York and Washington. Cancel For Any Reason (CFAR) coverage adds the flexibility to cancel for a reason not covered by the standard policy. Travel Protection with CFAR includes all the benefits of the standard policy (100% reimbursement) PLUS the ability to cancel for a non-covered reason. The Cancel For Any Reason reimbursement is a set percentage stated on your policy's schedule of benefits.

Simply click on your resident state in the grid above. You can view in your browser or download a copy. Eligibility rules apply; viewing a sample policy is not a guarantee of coverage or eligibility for coverage.

The Initial Trip Payment Date is the date that money first exchanged hands for the trip you are insuring.

No, you do not have to wait until the flight is booked. The policy should be purchased within 14 days of the initial trip payment in order to get the Pre-existing condition exclusion waiver and other time sensitive benefits.

Yes, if during your trip, a politically motivated Terrorist Attack occurs within a 50 mile radius of the city for which you are registered and the US government issues a travel warning indicating that Americans should not travel to a city named on the itinerary.

Yes, these travel protection plans cover your certain prepaid and non-refundable expenses for travel arrangements that you make on your own.

Start a Claim - PlayTravel US Fire





While on your trip:  24/7 Emergency Travel Assistance Call:



RentalGuardian® enabled distribution of programs from Play Travel Protection with travel insurance underwritten by United States Fire Insurance Company are offered through authorized travel retailers of InsureStays, dba of Sandhills Insurance Group, LLC, NPN 16269113. Sandhills Insurance Group, LLC is a licensed agency, dba in California InsureStays Insurance Agency, LLC, (CA license # 0M14453); dba in Florida InsureStays Agency. Contact InsureStays by mail at PO Box 4443, Pawleys Island, SC 29585, by phone at (843) 286-5144, or by email [email protected]. Visit for more information.

Travel Retailer Disclosure

Vacasa is an authorized travel retailer of Supervising Entity Insurestays.

  1. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.
  2. (i) Purchasing travel insurance is not required in order to purchase any other product or service offered by the Vacasa. (ii) As an authorized travel retailer, no employee of the travel retailer is qualified or authorized to: (a) provide technical explanations, representations or interpretations, or answer technical questions about, coverage provisions, benefits, exclusions, terminology and conditions of any of the insurance offered by travel retailer; (b) evaluate the adequacy of the prospective insured's or travel/rental guest's current existing insurance coverage; (c) otherwise advertise, hold out or present themselves in such a way as to be perceived as a fully licensed agent.

Fraud Warning

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto may be guilty of committing a fraudulent insurance act, which is a crime.
The above Fraud Warning may not apply to your state. Click here for your state-specific Fraud Warning.


Plans are underwritten by the United States Fire Insurance Company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company.

This website contains highlights of the plans developed by InsureStays, which include travel insurance coverages underwritten by United States Fire Insurance Company (“USF”), Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by On Call International.

The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions.

In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. 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 travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact InsureStays (CA license number 0M14453), by mail at PO Box 4744, Pawleys Island, SC 29585, by phone at (843) 286-5144, or by email at [email protected].

While InsureStays markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by InsureStays, and InsureStays does not receive compensation from USF for providing the non-insurance components of the plans.