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Review each plan’s limits, coverages, and benefits, then select the best plan for you.

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Basic Plan
Not Eligible
Deluxe Plan
Not Eligible
Deluxe+ Plan
Not Eligible
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
24 Hour Travel Assistance Services
(Non-Insurance Service)
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
Emergency dental expenses
(subject to a lower limit)
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
Basic Plan
Deluxe Plan
Deluxe+ Plan