 It is important to know that could be a time sensitive benefit depending on your plan. So you would need to get it within 10 to 21 days after you make your initial payment or deposit on the trip. So it's something to try to maybe get on the front end early in the planning process. And usually that kind of reimbursement would be between 50 and 75% of the insured trip cost. Nathan Diller, Consumer Travel Reporter at USA Today.