Frequently Asked Questions

Detour Travel Protection safeguards your health and well-being, prepaid expenses, and gear and personal belongings should things wander off course. In addition to providing coverage for trip cancellation and interruption, Detour's versatile plans include coverage related to trip delays, emergency medical expenses, baggage, and emergency medical evacuations, along with enhanced benefits such as non-insurance and emergency travel assistance services. Detour's coverage options range from basic protection for the casual traveler on a budget to extreme sports coverage for the hardcore adrenaline junkie.

Detour Insurance offers coverage plans for U.S. residents up to their 80th birthday traveling anywhere in the world more than 100 miles from their home, excluding the following destinations: Afghanistan, Belarus, Crimea, Iran, Myanmar/Burma, North Korea, Palestinian Territories, Russia, Ukraine, Syria, and Venezuela. This list is current as of 2/7/25 and is subject to change.

Yes, COVID-19 is covered under Detour Insurance plans. If you get COVID before your trip and can’t go: Trip Cancellation can reimburse your prepaid, non-refundable trip costs if you (or your travel companion/family member) are sick and a doctor advises you not to travel. It also covers you if you’re officially quarantined within 10 days of departure. If you get COVID during your trip: Trip Interruption can cover unused trip portions and extra costs to get home if you’re too sick to continue. Medical bills while traveling: If you contract COVID on the trip, Emergency Accident & Sickness Medical Expense can pay for necessary treatment (doctor, hospital, tests, medicine) up to the selected plan’s limit.

No, travelers with different dates and/or states of residence are required to purchase separate policies. However, travelers with the same travel dates and the same state of residence, can receive coverage under the same policy.

The quote provided is for the total number of travelers you entered to obtain your quote. The outlined plan benefits reflect per-person limits.

Detour Insurance does not offer annual travel plans. You may select a Detour plan for trips not to exceed 180 days in length.

Your Scheduled Departure Date cannot be more than eighteen (18) months from your Purchase Date.

Detour Insurance does not offer Coverage For Any Reason (CFAR) plans.

Up to 10 travelers (comprising the primary traveler plus nine additional travelers) less than 80 years of age with the same travel dates and the same state of residence, can receive coverage under the same policy.

Please enter the U.S. state of your primary residence.

Yes, plans may be purchased for unaccompanied minors.

We are here to help you understand your options. Please give our plan administrator, Co-Ordinated Benefit Plans, a call toll-free at 1-877-390-4293 or direct at 727-483-7744, Monday through Friday, 8:30 a.m. to 5:00 p.m. Eastern Time. You may also email info@cbpinsure.com.

Aside from relaxing and getting psyched for your trip, there is nothing for you to do. Coverage is provided leading up to and throughout the duration of your trip.

We get it — adventure-planning adrenaline kicks in! Please email Detour's policy administrator, Co-Ordinated Benefit Plans, at info@cbpinsure.com with your policy I.D. number, traveler name(s), and correct travel dates along with your contact details. You will receive via email a revised Welcome Letter and updated fulfillment documentation.

That's an easy fix but please email us as soon as possible so that we can email you your Welcome Letter and fulfillment documentation. Please email your traveler's name(s) and birthdate(s) along with your correct contact details to Detour's policy administrator, Co-Ordinated Benefit Plans, at info@cbpinsure.com.

We understand that travel needs can change. Please email your plan change request to Detour's policy administrator, Co-Ordinated Benefit Plans, at info@cbpinsure.com along with your policy I.D. number, traveler name(s), and travel dates so that we can best assist you.

In the lead-up to your adventure or while you're traveling, international assistance coordinators are available, 24 hours a day/seven days a week, to provide travel assistance for travel-related questions. To Contact On Call International toll-free, dial 877-318-6891 (within the United States and Canada), or call collect 603-328-6307 (from all other locations).

Detour policies provide coverage for U.S. residents traveling 100 or more miles from their primary home excluding the following destinations: Afghanistan, Belarus, Crimea, Iran, Myanmar/Burma, North Korea, Palestinian Territories, Russia, Ukraine, Syria, and Venezuela. You will not be able to select any of these restricted destinations from the destination dropdown menu during the policy quote/purchase process. These restricted destinations impacted by war or sanctions are excluded from any and all coverage, and claims will not be paid for any events that may occur relating to travel to, from or within these destinations. This list is current as of 2/7/25 and is subject to change.

Detour Insurance has a “free look” period for residents of most States, which varies by State. If your State allows for a free look period, you will find that expiration date in your policy confirmation email: “If you change your mind for any reason by XX-XX-XX…” If you are still in that free look period and would like to cancel your policy, please email Detour Insurance at membercare@detourinsurance.com. Please include the primary traveler’s name and policy (DATP) number. You will receive a policy cancellation email as well as a full refund, provided you have not started your Trip or filed a claim.

To initiate a claim:

1. Please visit https://cbpconnect.com/ or click here to begin the process with Detour's plan administrator, Co-Ordinated Benefit Plans.
2. Click "Report a Claim" in top navigation bar. (Registering a participant is not required.)
3. Enter policy number, first name, and last name.
4. Answer the presented questions so that you can be directed to the proper form.
5. Upload required documentation.

Please allow up to 15 business days for processing.

If you'd like to check the status of your claim, you may click here to log in to your account. If you have additional questions, please email Detour's plan administrator, Co-Ordinated Benefit Plans, via email: NWTravClaims@cbpinsure.com or call toll-free at 1-877-390-4293 or direct at 727-483-7744, Monday through Friday, 8:30 a.m. to 5:00 p.m. Eastern Time.