Lodgix offers guests the option to purchase trip protection through Vertical Insure, a third-party travel insurance provider. This article explains what is covered, how pricing works, and what guests should do if they need to file a claim.
How Guests Purchase Coverage
After completing a booking through the Lodgix booking engine, or when they receive a payment request, guests are offered the option to add trip protection through Vertical Insure. The purchase is a separate transaction made directly with Vertical Insure — it does not appear on the Lodgix invoice and does not flow through the property manager's payment gateway. Eligibility requires a trip total between $100 and $20,000 USD.
Coverage Tiers
Vertical Insure offers three tiers of trip cancellation and interruption coverage. For full policy details, terms, and exclusions for each tier, refer to the official Vertical Insure policy documentation at https://partner.battleface.com/library/vertical-insure-trip-cancellation-and-interruption.
Pricing
The premium for each tier is calculated based on a combination of underwriting variables: the total cost of the trip, the coverage tier selected, the age of the traveler, and the state of residence. Because these factors vary by guest and booking, there is no single fixed price. The approximate premium ranges are:
Basic tier: approximately 5–6% of the total trip cost
Trip Protection Plus: approximately 7–8% of the total trip cost
Cancel for any reason: approximately 13–15% of the total trip cost
These are estimates. The exact quote a guest sees at checkout will reflect their specific trip details.
How to File a Claim
If a guest needs to file a claim, they do so directly through Vertical Insure — the property manager and Lodgix are not involved in the claims process. Full instructions are available here.
For Property Managers
When a guest purchases a policy, a small icon appears on the reservation in Lodgix. You can view all insured bookings across your account at https://www.lodgix.com/app/travel-insurance/issuances/ — this page shows which guests purchased policies, coverage dates, and policy numbers.