Frequently Asked Questions


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Quick Reference Guide
FREQUENTLY ASKED QUESTIONS

Yes No
Q: Should I purchase CAP if I’ve already purchased travel insurance?
A: Yes
Q: Does CAP fill in common gaps typically found in most traditional travel insurance policies?
A: Yes
Q: Is CAP an insurance product?
A: No
Q: Is CAP a fully funded service guarantee?
A: Yes
Q: If I use CAP, do I ever need to pay for anything upfront and then seek reimbursement?
A: No
Q: Do I ever need to complete a claims process when accessing my CAP Plan benefits?
A: No
Q: Do I ever have to pay a deductible to use my CAP Plan benefits?
A: No
Q: Do I need to suffer a loss in order to access my CAP Plan benefits?
A: No
Q: Does CAP subrogate to other insurance products?
A: No
Q: Does CAP pay for lodging expenses if I’m forced to quarantine during a trip due to COVID-19?
A: Yes
Q: If I become hospitalized during a trip due to an injury or illness (including COVID-19), will CAP medically evacuate me back to a hospital close to my home?
A: Yes
Q: Does CAP have any monetary limits?
A: No
Q: If I come in contact with a violent protest/civil commotion during a trip, haven’t suffered bodily harm, but don’t feel safe, will CAP evacuate me to safety, up to and including bringing me back home?
A: Yes
Q: So, I only pay the plan fee and nothing else, even if I need to be evacuated and flown home in a private jet or air ambulance?
A: Yes
Q: Are CAP Plans limited to US Citizens?
A: No
Q: Can I purchase CAP if I live outside of the United States of America?
A: Yes


Travel Protection Plan
FREQUENTLY ASKED QUESTIONS

CAP travel protection is designed to fill in the gaps that exist in international travel health insurance plans. Besides having loads of exclusions, travel insurance companies require a “loss” or qualifying event, such as “bodily harm or injury,” before they’ll consider any reimbursement.

Even then, there are limitations. Most traditional insurance providers don't cover air medical evacuation and transport. CAP protection helps you get access to life-saving emergency evacuation services. If you become seriously ill or are injured and hospitalized (and stable enough to move), you’ll be medevaced to your home hospital (or hospital of choice). There are no limits on the cost of your medical transport. No other insurer or platinum card plan delivers this level of service.

Unlike travel insurance companies, CAP travel protection includes threats, giving you immediate access to your benefits (i.e. medical and travel security assistance benefits and comprehensive emergency response) before an actual “loss” or “bodily harm or injury” occurs.

With flat-fee CAP travel protection, your medical and security assistance is available on demand, which means you won’t have to worry about paying out of pocket to get help, or going through a cumbersome, time-consuming claim filing and reimbursement process.

Giving you access to immediate assistance, flat-fee CAP travel protection is best used to supplement your existing health and travel insurance policy.
Yes. As long as you have the necessary information, you can purchase CAP travel protection for your friend and relatives, no matter their age.
Yes. As long as you have the necessary information, you can purchase CAP travel protection for children, your spouse, parents, or other family members.
Your CAP protection plan benefits begin on your first day of travel.
You don’t need to list a primary destination. If you’re planning a trip with multiple destinations, just let us know all the countries you’ll be visiting during your travels. Your CAP protection plan is designed to cover the entirety of your planned trip.
Yes! You can cancel for any reason. Plans change, which is why our money-back cancellation policy allows you to cancel your protection any time before you travel.
CAP Travel Assistance is the most affordable and comprehensive medical and security plan for international travelers. Premium travel concierge services come standard, and CAP’s flat-fee annual travel protection is just over a dollar a day, giving you immediate access to benefits (without service fees or deductibles). You won’t find a better deal anywhere.

When it comes to price and value, CAP protection is unrivaled in the travel insurance market.

Get a quote, you’ll see. Quotes are fast and easy: Click Here to Begin.
CAP year-long protection is just over a dollar a day .It’s designed to be affordable, comprehensive, and accessible, delivering greater value than other products in the travel insurance market. Moreover, CAP customers have access to premium travel concierge services, and there are no premiums or deductibles to access benefits. It’s an unbeatable deal.

Click for a Quick Quote, Here.
When there’s a medical emergency, you can rest assured that we have an abundance of resources to help you, with 40,000 medical practitioners in our network and 200 critical care flight nurses with access to over 300 air ambulances.

If you need to be hospitalized for an illness or injury while traveling internationally, just contact our 24-hour emergency support team and they’ll coordinate your medical transport to the best available hospital. We’ll also refer you to doctors and help you find a language interpreter, if needed.
While we always recommend taking your CAP protection plan card with you while traveling, it isn’t required.
If there’s a pandemic outbreak, such as COVID-19, CAP protection includes hospital-to-hospital transfers (to get CAP customers home) and while limits apply, it also takes care of up to 14 days of mandatory quarantine expenses.

If a CAP customer has a traveling companion that doesn’t have a CAP protection plan and tests positive for COVID, we’ll be pleased to help on a fee-for-service basis.
CAP Travel Assistance is the most affordable and comprehensive medical and security program for international travelers.

Our U.S. domestic and international travel assistance includes benefits and services that are typically excluded by travel insurance policies.
CAP isn’t insurance, it’s a fully funded service guarantee. There are no claim forms, service fees or deductibles, reimbursement documents, or subrogation process.

Unlike travel insurance, if something goes wrong and you need medical or security assistance during your trip (including evacuation support), we’ll cover the costs and pay the travel assistance bills upfront (so our customers don’t have to).
CAP can be conveniently purchased online with a few quick, easy steps. Start the process with a Quick Quote. You’ll be asked to select when you’re leaving, where you’re going, add your contact details, and check out. That’s all.

Afterward, you’ll receive a confirmation email with your purchase details and a CAP card with your customer ID.
During an emergency, or even if you feel unsafe, you have unlimited access to our international team of travel medical, security, and crisis response specialists who will provide expert advice and/or coordinate in-country emergency response assistance service. Depending on the emergency, you have the option to continue your trip once the problem is resolved, or evacuate home for further treatment or recovery.

Transportation escorts, arrangements for travel accommodation, and assistance benefits for dependents and travel companions are also included. To access assistance, simply press the ‘Assist’ button on the CAP Advantage App or call our 24/7 hotline.
FocusPoint International is a global travel assistance company that delivers an integrated suite of health, security, and crisis response services with risk intelligence solutions for individuals, government agencies, and multinational organizations.

For the past 40 years, we have helped millions of people travel fearlessly. We are renowned as an experienced industry leader with global prowess and have an established presence in 140 countries and 600 locations worldwide. With our expansive international network, we’re able to give our customers and partners the help they need, when they need it most.
No, CAP plans are available for purchase in over 220 countries and territories. To start the process, click here for a Quick Quote.