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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| 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 |
| Trip Cancellation | Trip Cost | Trip Cost |
| Trip Interruption | 150% of Trip Cost | 150% of Trip Cost |
| Missed Connection | $750 | $1500 |
| Travel Delay | $1,000 | $1,500 |
| Per Day Maximum Limit | $200 | $300 |
| Required minimum delay time | 12 Hours | 12 Hours |
| Coverage For You – Benefit Limits | ||
| Plan | Basic Plan | Deluxe Plan |
| Medical Expense / Emergency Assistance | ||
| Accident & Sickness Medical Expense | $50,000 | $50,000 |
| Emergency Dental Expense | $750 | $750 |
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Emergency Medical Evacuation & Return of Remains |
$500,000 | $500,000 |
| 24 Hour Travel Assistance Services | ||
| Accidental Death & Dismemberment | ||
| 24 Hour Coverage during Trip | $25,000 | $25,000 |
| Coverage For Your Belongings – Benefit Limits | ||
| Plan | Basic Plan | Deluxe Plan |
| Baggage & Personal Effects | $1,000 | $1,500 |
| Baggage Delay | $500 | $750 |
| Per Day Maximum Limit | $250 | $250 |
| Required minimum delay time | 24 Hours | 24 Hours |
| Coverage For Your Travel Arrangements – Benefit Provisions | ||
| Plan | Basic Plan | Deluxe Plan |
| Trip 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 |
| Common Carrier Delay/Cancellation: | ||
| Unannounced strike | ||
| Mechanical breakdown | ||
| Bad weather | ||
| Residence, destination or workplace made uninhabitable by fire, flood, or natural disaster | ||
| Residence | ||
| Destination | ||
| Workplace | ||
| Involuntary termination of 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 supplier | ||
| Required time period for bankruptcy/default | 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 natural disaster | ||
| Revocation of previously granted military leave | (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 | ||
| Trip Cancellation reimburses: | ||
| Prepaid, forfeited, non-refundable trip payments or deposits | ||
| Single Occupancy Upgrade charges incurred due to a covered reason | ||
| Trip Interruption reimburses: | ||
| Prepaid, unused, non-refundable land or water travel 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 caused delay | ||
| Missed Connection reimburses: | ||
| Additional transportation cost to join the trip | ||
| Unused portion of the prepaid expenses for covered travel arrangements | ||
| Trip or Travel Delay Due to: | ||
| Common Carrier Delay | ||
| Involvement in traffic accident en route to departure | ||
| Lost/stolen passports, travel documents or money, civil commotion or riot. | ||
| Quarantine, hijacking, strike, natural disaster, civil commotion or riot | ||
| Trip/Travel Delay reimburses: | ||
| Additional meal and accommodation expenses | ||
| Local transportation expenses | ||
| Coverage For You – Benefit Provisions | ||
| Plan | Basic 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 |
| Accident & Sickness Medical Expense reimburses: | ||
| On a Primary or Excess Basis | Excess (On trip expenses) |
Primary (On trip expenses) |
| Services of a physician; prescribed drugs, prosthetics and therapeutic services/supplies | ||
| Emergency dental expenses | ||
| Hospital services | ||
| Ambulance transportation to and/or from a hospital | ||
| Medical Evacuation due to: | ||
| Injury or Sickness when appropriate care, treatment or facilities are not available locally | ||
| 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) |
| Transportation expenses for a bedside visit when hospitalized | (More than 7 days) |
(More than 7 days) |
| Return of Remains due to: | ||
| Death occurring during a trip | ||
| Return of Remains reimburses: | ||
| Transportation and preparation expenses for return of remains home | ||
| Coverage For Your Belongings – Benefit Provisions | ||
| Plan | Basic Plan | Deluxe Plan |
| Baggage & Personal Effects loss or damage 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 | ||
| Maximum Sublimit for loss to jewelry, furs, cameras & accessories, etc. | $600 | $600 |
| Per Article Maximum Limit | $300 | $300 |
| Baggage Delay due to: | ||
| Misdirection by a Common Carrier | ||
| Baggage Delay reimburses: | ||
| Cost of necessary personal items purchased during the delay | ||
| 24 Hour Worldwide Assistance Services | ||
| Plan | Basic 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 | ||
| 24 Hour Business Assistance Services | ||
| 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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