Compare Plans
Review each plan’s limits, coverages, and benefits, then select the best plan for you.
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Basic Plan
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Deluxe Plan
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Deluxe+ Plan
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| Please Note: Plan benefits, limits, and provisions may vary by state or jurisdiction. All travelers on a plan must reside in the same state. | |||
| Coverage For Your Arrangements – Benefit Limits | |||
| Plan | Basic Plan | Deluxe Plan | Deluxe+ Plan |
| Trip Cancellation | Trip Cost | Trip Cost | Trip Cost |
| Trip Interruption | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost |
| Missed Connection | $750 | $1500 | $1,500 |
| Travel Delay | $1,000 | $4,200 | $4,200 |
| Per Day Maximum Limit | $200 | $300 | $300 |
| Required minimum delay time | 12 Hours | 12 Hours | 12 Hours |
| Cancel For Any Reason | Not Included | Not Included | 75% of Non-Refundable Trip Cost |
| Coverage For You – Benefit Limits | |||
| Plan | Basic Plan | Deluxe Plan | Deluxe+ Plan |
| Medical Expense / Emergency Evacuation | |||
| Accident & Sickness Medical Expense | $50,000 | $50,000 | $50,000 |
| Emergency Dental Expense | $750 | $750 | $750 |
| Emergency Medical Evacuation, Medical Repatriation and Return of Remains | $500,000 | $500,000 | $500,000 |
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24 Hour Travel Assistance Services (Non-Insurance Service) |
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| Accidental Death & Dismemberment | |||
| 24 Hour Coverage during Trip | $25,000 | $25,000 | $25,000 |
| Coverage For Your Belongings – Benefit Limits | |||
| Plan | Basic Plan | Deluxe Plan | Deluxe+ Plan |
| Baggage & Personal Effects | $1,000 | $1,500 | $1,500 |
| Baggage Delay | $500 | $750 | $750 |
| Per Day Maximum Limit | $250 | $250 | $250 |
| Required minimum delay time | 24 Hours | 24 Hours | 24 Hours |
| Coverage For Your Travel Arrangements – Benefit Provisions | |||
| Plan | Basic Plan | Deluxe Plan | Deluxe+ Plan |
| Program Cancellation or Interruption Due to: | |||
| Sickness, Injury or Death | |||
| A Pre-Existing Medical Condition | |||
| Required time period for purchase |
Within 21 days of initial trip deposit |
Within 21 days of initial trip deposit |
Within 21 days of initial trip deposit |
| Common Carrier Delay: | |||
| Unannounced strike | |||
| Mechanical breakdown | |||
| Bad weather | |||
| Residence or destination made uninhabitable by fire, flood, or natural disaster | |||
| Workplace rendered unsuitable for business | |||
| Involuntary termination of employment |
1 year continuous employment |
1 year continuous employment |
1 year continuous employment |
| Permanent transfer of employment | |||
| Being hijacked, quarantined or jury duty | |||
| Traffic accident while en route to departure | |||
| Bankruptcy or default of a travel provider | |||
| Required time period for bankruptcy/default |
Within 21 days of initial trip deposit |
Within 21 days of initial trip deposit |
Within 21 days of initial trip deposit |
| A Terrorist Incident | |||
| Documented theft of passports or visas | |||
| Military personnel called to emergency duty for a national disaster | |||
| Revocation of previously granted military leave |
(due to war) |
(due to war) |
(due to war) |
| Your normal pregnancy as long as the pregnancy occurs after Your effective date | |||
| Attending a Family Member’s childbirth if pregnancy occurs after your effective date | |||
| Program Cancellation reimburses: | |||
| Prepaid, forfeited, non-refundable trip payments or deposits | |||
| Trip Interruption reimburses: | |||
| Prepaid, unused non-refundable program arrangements | |||
| Additional airfare expense to return home, or to join/rejoin the trip | |||
| Single Occupancy Upgrade charges incurred due to a covered reason | |||
| Missed Connection Due to: | |||
| Any Common Carrier Delay | |||
| Missed Connection reimburses: | |||
| Additional transportation cost to join the trip | |||
| Unused portion of the prepaid expenses for covered land or water program arrangements | |||
| Travel Delay Due to: | |||
| Common Carrier Delay | |||
| Lost/stolen passports, travel documents or money | |||
| Quarantine, hijacking, strike, natural disaster, terrorism or riot | |||
| Travel Delay reimburses: | |||
| Additional meal and accommodation expenses | |||
| Local transportation expenses | |||
| Coverage For You – Benefit Provisions | |||
| Plan | Basic Plan | Deluxe Plan | Deluxe+ Plan |
| Accident & Sickness Medical Expense due to: | |||
| Injury or Sickness occurring during the trip | |||
| Pre-Existing Medical Conditions | |||
| Required time period for purchase |
Within 21 days of initial Trip Deposit |
Within 21 days of initial Trip Deposit |
Within 21 days of initial Trip Deposit |
| Accident & Sickness Medical Expense reimburses: | |||
| On a Primary or Excess Basis |
Excess (On trip expenses) |
Primary (On trip expenses) |
Primary (On trip expenses) |
| Services of a physician, prescription drugs, therapeutic services | |||
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Emergency dental expenses (subject to a lower limit) |
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| Hospital services | |||
| Ambulance transportation to and/or from a hospital | |||
| Medical Evacuation due to: | |||
| Acute or life threatening sickness or injury when appropriate care is not available in the immediate area | |||
| Medical Evacuation reimburses: | |||
| Medically required transportation expenses to a Hospital for care and treatment or home | |||
| Transportation expenses to return an unattended dependent home due to a hospitalization |
(More than 7 days) |
(More than 7 days) |
(More than 7 days) |
| Transportation expenses for a bedside visit when hospitalized |
(More than 7 days) |
(More than 7 days) |
(More than 7 days) |
| Return of Remains due to: | |||
| Death occurring during a trip | |||
| Transportation and preparation expenses for return of remains home | |||
| Coverage For Your Belongings – Benefit Provisions | |||
| Plan | Basic Plan | Deluxe Plan | Deluxe+ Plan |
| Baggage and Personal Effects due to: | |||
| Loss, theft or damage | |||
| Baggage & Personal Effects reimburses: | |||
| Cost to replace clothing and other personal articles | |||
| Cost to replace lost/stolen passports or visas | |||
| Combined maximum for loss to jewelry, furs, cameras & accessories, etc. | $600 | $600 | $600 |
| Per Article Maximum Limit | $300 | $300 | $300 |
| Baggage Delay due to: | |||
| Misdirection by a Common Carrier | |||
| Baggage Delay reimburses: | |||
| The cost of reasonable additional clothing and personal articles purchased during the delay | |||
| 24 Hour Worldwide Assistance Services | |||
| Plan | Basic Plan | Deluxe Plan | Deluxe+ Plan |
| 24 Hour Medical Assistance Services: | |||
| 24 Hour Emergency Medical Hotline | |||
| Medical consultation and monitoring when you are hospitalized | |||
| Coordinate medical evacuation arrangements | |||
| Help with replacing lost/stolen prescriptions | |||
| Help arranging for return of remains | |||
| Nurse Helpline for general health information before and during your trip | |||
| 24 Hour Travel Assistance Services | |||
| Sending emergency messages to friends, family or business associates | |||
| Language interpretation services | |||
| Help with emergency cash transfers | |||
| Passport/Visa, vaccinations, & travel health Information | |||
| Help with replacing lost/stolen tickets or travel documents | |||
| 24 Hour Concierge Services | |||
| Restaurant and shopping recommendations or reservations | |||
| Local transport, reservations, sports, theatre, & event information/ticketing | |||
| Golf course referrals & tee times | |||
| Baggage tracking/assistance | |||
| Assistance with emergency communications | |||
| Assistance with locating available business services | |||
| Telephone or web conference assistance | |||
| Information about weather conditions, travel delays & flight status | |||
| Emergency travel arrangements | |||
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Basic Plan
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Deluxe Plan
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Deluxe+ Plan
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