More information about coverages

The table below shows you the various coverages and services that are included in the products and allows you to compare the products. Click on the coverages and services for more information.

This is a summary of coverage and services and displays the maximum coverage limits for the different plans. Limits, benefits and services can vary by state and product selected. Not all coverages are available in every state.

For full details on the coverages, limitations and exclusions of the plans in your state, please reference the D.O.C (Description of coverage). The D.O.C's can be downloaded here in PDF format.

 

Coverage Limits & Benefits
 		 Basic
 		 Gold
 		 MedEvac - Per trip
 		 MedEvac - Annual
 
Info button  Trip cancellation coverage 100%of Trip Cost 100%of Trip Cost X X
Info button  Trip interruption coverage 100%of Trip Cost 150%of Trip Cost X X
Info button  Medical Expense coverage Get a quote to see exact coverages
Info button  Baggage coverage $500 $1,000 Optional Optional
Info button  Trip delay $500 $750 X X
Info button  Deductible $50 X X X
Info button  Flight Guard coverage Optional Optional X X
Info button  Rental Car Collision Coverage Optional Optional X X
Info button  Coverage for adventure sports & activities X X Optional Optional
Info button  24/7 Emergency assistance services √ √ √ √
Info button  Concierge services X √ √ √
Info button  Identity theft coverage X √ √ √
Info button  Business assistant services X √ X X



Trip cancellation & interruption coverage

Trip cancellation coverage

The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are cancelled prior to the scheduled departure for their Trip due to unforeseen events such as:

√   Sickness, Injury, or death of you, your traveling companion, family member or business partner

√   Involuntary Termination of Employment

√   Unannouced Strike

√   Inclement Weather

√   Home is made uninhabitable by natural disaster

√   Military duty

√   Terrorist incident

Please refer to the Description of Coverage for a complete listing of covered reasons by product. All coverages may not be available based on state of residency and plan selected

Trip interruption coverage

The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events mentioned under "trip cancellation coverage".

Trip Interruption coverage - Return Air Only

The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events mentioned under "trip cancellation coverage".

"Cancel for any reason" coverage

For more information scroll down to the "optional coverage" section and click the information button for "Cancellation for any reason" option. Coverage not available residents of New York State.

"Cancel for work reasons" coverage

For more information scroll down to the "optional coverage" section and click the information button for "Cancellation work reasons" option. Coverage not available residents of New York State.

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Medical Expenses and Other Coverage

Emergency Evacuation

Covers evacuation and transportation to the nearest adequate medical facility.

Medical Expenses

Covers necessary medical expenses for sickness or injury suffered while on your trip, provided you received initial treatment while on your trip.

Accidental Death and Dismemberment

Coverage against injury or loss of life while traveling.

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Lost, Stolen or Damaged Baggage and Travel Documents

Reimburses you if your luggage is lost, damaged, or stolen while you are on your trip.

Baggage Delay

Reimburses you for the purchase of essential items if your bags are delayed. Time frames of coverage may vary based on the product purchased.

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Trip Delay

Reimburses you for additional accommodations or travel expenses if you are delayed due to a covered reason. Time frames of coverage and covered reasons may vary based on the product purchased.

Missed connection

Covers you if you miss your cruise departure due to inclement weather or any common carrier caused delay.

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Deductible

Under the Basic plan, deductibles apply to the following coverages:

  • Medical Expenses
  • Baggage Coverage

 

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Flight Guard Coverage (Optional)

The Insurer will pay for the Insured’s accidental loss of life, hand, foot, or sight which occurred:

(1) while he or she was riding as a passenger on or boarding or alighting from a Scheduled Air Carrier,

and

(2) within 365 days of the accident.

For complete details of coverage refer to the Description of Coverage D.O.C.

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Rental Car Collision Coverage (Optional)

$35,000 in primary coverage. Subject to a $250 deductible.

Covers physical damage to a rental car for which the car rental contract holds you responsible.

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Coverage for Adventure Sports & Activities

Provides Trip Interruption, Medical Evacuation and Medical Expense benefits for losses caused by many adventure sports activities typically excluded in most travel insurance plans. These activities include mountaineering, aviation, hang gliding, skydiving, parachuting, bungee jumping, snow skiing or snowboarding, spelunking, water skiing, and jet skiing.

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24/7 Emergency & Travel Assistance Services

√   Emergency medical assistance  - for locating English speaking medical specialists or facilities and assistance with medical evacuations anywhere in the world.

√   Emergency evacuation  – arranges for transportation and a special medical escort if the covered person needs to be transported to a different hospital, treatment facility or back home.

√   Emergency medical payments  – assistance in arranging the advancement of funds to cover on-site medical expenses.

√   Livetravel©   24-hour travel counsellor for emergency or last-minute travel changes, such as rebooking flights, hotel reservations or ground transportation, tracking lost luggage and more.

√   Pre-trip travel advice  - access to passport, visa and vaccine requirements, travel safety and health advisories, embassy contacts, weather and currency information.

√   Email or phone messages relay  – to family, friends and business associates.

√   Cash advance  – for general travel and medical emergencies.

√   Replacing lost travel documents  - such as tickets, passport or visa.
√   Telephone interpretation  - for medical or legal emergencies.

√   Bagtrak©  – Luggage tracing services.

*Non-insurance services are provided by Travel Guard.

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Concierge Services

The concierge service provides the Insured with these services; Ground Transportation, Tee Time Reservations, Restaurant Referrals and Reservations, Floral Services, and Event Ticketing. For more details refer to the Description of Coverage.

*Non-insurance services are provided by Travel Guard.

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Identity Theft

Assist identity theft victim by ordering and reviewing credit bureau records on their behalf; Investigate financial accounts where identity theft is suspected; Interact with law enforcement to pursue prosecution of criminals; Review account activity to identify any suspicious activities; Review and resolve victims issues.

This service is not available to residents of New York State.

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Business Assistant Services

Business Assistant service is available to you 24 hours a day, anywhere in the world. Will help you make short work of your business obligations, so you can enjoy your vacation.

*Non-insurance services are provided by Travel Guard.

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