Company Travel Guard Global Alert   Plan Name Basic (Essential) Global Alert Essentials Product Type Travel Insurance  Travel Insurance  Underwriter National Union Fire Ins Co Pittsburgh PA  United States Fire Insurance Company  AM Best Rating A Best's Rating of A (Excellent) Effective as of: 12/16/2009 For the latest rating, access www.ambest.com This carrier complies with Squaremouths zero complaint guarantee  A Best's Rating of A (Excellent) Effective as of: 06/02/2010 For the latest rating, access www.ambest.com This carrier complies with Squaremouths zero complaint guarantee  Total Plan Cost for 2 Travelers         Trip Cancellation 100% of the trip cost ($10000) 100% of the trip cost ($10000)   Trip Interruption 100% of the trip cost ($10000) 100% of the trip cost ($10000)   Terrorism Covered for foreign and domestic No coverage   Financial Default No coverage No coverage   Hurricane & Weather Complete cessation of common carrier for 24 hours Must be purchased before storm is named Complete cessation of common carrier for 12 hours Must be purchased before storm is named   Travel Delay $500 per person $100 daily limit Covered after 12 hour delay $500 per person $100 policy limit Covered after 8 hour delay   Missed Connection Included in Trip Interruption $500 per person Covered after 3 hour delay Cruise and tour only   Baggage & Personal Items Loss $500 per person $500 first item limit $250 subsequent items limit $500 specific items limit $50 deductible $1,000 per person $300 per item $600 specific items limit   Baggage Delay $100 per person Covered after 24 hour delay $250 per person Covered after 12 hour delay   Emergency Medical & Dental $10000 $30000  per person Secondary coverage $25,000 per person Secondary coverage   Medical Evacuation & Repatriation $100,000 per person $50,000 per person   Pre-Existing Condition No coverage Pre-existing look-back period 180 days No coverage because your deposit date was more than 15 days ago Pre-existing look-back period 60 days.   Life Insurance - Accidental Death No coverage $25,000 per person   Life Insurance - Air Flight Accident AD&D $0 $100000 $200000 $300000 $400000 $500000  per person No coverage   24 Hour Assistance Service 24 hour assistance provided 24 hour assistance provided   Rental Car Damage Covered Not Covered  $35,000 policy limit $250 deductible No coverage   Money Back Guarantee Up to 15 days after purchase Up to 10 days after purchase   Deductible $50 per person Baggage & Personal Items Loss $50 per person Emergency Medical & Dental $250 Rental Car Damage No deductible   Cancel for Work Reasons No coverage No coverage   Employment Layoff Covered If employed for 1 continuous year No coverage   Cancel For Any Reason No coverage No coverage   Life Insurance Please refer to Accidental Death, Air Flight Accident & Common Carrier Refer to Accidental Death, Air Flight Accident & Common Carrier Credit Cards Accepted            Total Plan Cost for 2 Travelers