What If My Trip Cost Changes After I Buy Insurance?

The important thing is to let us know as soon as possible so we can update your insured amount.

💵 Why Trip Cost Accuracy Matters

• Underestimating: If you list a lower trip cost than you actually paid, you may not be fully reimbursed if you cancel.

• Overestimating: If you list more than you actually paid, you’ll pay a higher premium without gaining extra coverage.

🔄 How to Update Your Trip Cost

1. Gather your updated receipts or invoices (final payments, added tours, airfare).

2. Submit a change request form with your insurance agent or provider.

   • ICI Change Request Form

3. We’ll update your policy with the new trip cost and adjust your premium if needed.

⏰ Why Timing Is Critical

• Always notify us of any changes as soon as you make additional payments.

• Updates must be made before your departure date.

• If you purchased your plan within the time-sensitive benefit window (20–21 days from your first deposit), updating your trip cost later will not affect those benefits—as long as you keep your totals current with us.

🛡️ Bottom Line

If your trip cost changes, don’t wait—tell us right away. Keeping your policy up to date ensures your full investment is protected and avoids delays if you need to file a claim.

👉 Use our Change Request Form or contact our office immediately if your trip cost increases.

⚖️ Disclaimer

This article is for general informational purposes only and does not guarantee coverage or benefit eligibility. Plans vary by provider, and all benefits are subject to policy terms and exclusions.

Please note: Insurance Consultants International is not the claims department and does not determine claim outcomes. All decisions regarding coverage and reimbursement are made by the licensed claims administrator named in your plan documents.

It is the insured’s responsibility to review their full policy documents to understand what is and is not covered.