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Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled for illness, death or other specific unforeseen circumstances.
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Provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted for illness, death or other unforeseen circumstances.
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Provides coverage in the event of a terrorist incident. Some plans only provide coverage if you are scheduled to arrive within 30 days of the incident and some plans only offer foreign coverage
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Coverage is provided usually in the event of a complete suspension of operations due to financial circumstances whether or not bankruptcy is filed. All insurance companies offer different levels of coverage, please check individual coverage statements for more detailed info. Most companies do not provide coverage if you purchase your insurance directly from your tour operator. Some companies also have a limit on the time in between making your initial trip deposit and buying your insurance.
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This information relates to Trip Cancellation and Trip Interruption only. Most policies will include travel delay coverage due to a mandatory evacuation.
Cancellation coverage is provided in the event of a complete cessation of either a common carrier (ticketed public transport) or travel supplier (hotel, condo manager etc.) or your accommodation at destination being rendered uninhabitable by weather. Check individual policies to determine which of the above scenarios is covered as this denotes whether mandatory evacuation coverage is included or not.
Complete cessation of common carrier usually means the airport has to be closed for a certain number of hours in order for a claim to be valid. If your accommodation is under a mandatory evacuation order and the airport stays open you cannot make a claim.
Complete cessation of travel supplier usually means the hotel, condo or other accommodation has to be unavailable for a certain number of hours in order to claim. In this instance, you would be able to claim for a mandatory evacuation because your travel suppler can no longer provide you with accommodation. This coverage is only available if the accommodation is provided by a company licensed to provide that service.
Accommodation being rendered uninhabitable means your hotel, condo etc. either flooding or damaged so much you cannot continue to stay there.
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Travel Delay provides reimbursement for meals and accommodations when a trip is unexpectedly delayed.
Missed Connection provides reimbursement in the event of a missed flight connection or for the additional costs to "catch up" to a cruise if the cause of delay is an accident or bad weather.
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Provides reimbursement for lost, stolen or damaged baggage or personal items. This coverage is usually for your entire trip, not just your flight. If you have items valued over $1000 it is best to have these items "scheduled" on your home-owners policy.
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Provides reimbursement for clothing, toiletries and other essential items if luggage is delayed for at least 24 hours.
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Pays for the cost of treatment associated with a medical or dental emergency incurred while traveling.
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Emergency Evacuation arranges to medically transport a patient to an appropriate medical facility or to return home in order to receive care. Emergency Repatriation arranges for return of remains back to place of residence.
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A pre-existing condition is an illness or medical condition that existed before a policy's effective date, usually excluded from coverage. Travel Protection plans may include coverage provided you meet the condition of that insurance carrier. Many carriers provide cover if the policy is purchased within a certain number of days after the initial trip deposit was made. A few carriers provide cover if the policy is purchased before the final payment date. Please refer to the policy summary to determine any conditions for coverage. Some Medical Plans may provide limited cover; Some may cover pre-existing conditions after a specified waiting period, while others do not provide any coverage.
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Provides cash payment for accidental loss of life or limb while traveling. Only a few companies offer coverage for the entire trip.
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Provides coverage ONLY for the flight portion of your trip. This coverage is optional on some plans. We do provide flight only plans, these policies appear in their own category on the policy match page.
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This coverage pays in the event of death or dismemberment while you are traveling on any form of public transport.
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24 Hour Hotline provides the traveler with a broad range of services in the event of a travel or medical emergency including: medical referral and monitoring, legal assistance, emergency message center, emergency cash transfer, arrangement of medical evacuations or repatriations, emergency translations, and pre-trip assistance.
Many companies offer additional services that differentiate them against their competitors. We have listed some of these services on the carriers page under the "why buy" heading.
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Collision loss/damage insurance for rental cars covers the costs of damage to, or theft of, a rental car.
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Insurance Company standing behind the travel protection plan.
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Money back guarantees are provided to allow you to decide if the policy you purchased is right for you. Your guarantee or "free look" period can last for up to 14 days depending on insurance company although it expires as soon as you use the policy by making a claim or reaching your departure date.
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The Identity Theft Recovery Unit (ITRU) offers fast and responsive support to victims of identity theft. This unit's trained fraud specialists will help guide you through the necessary steps of restoring your credit profile. Specialists are proactive in contacting the credit reporting agencies, creditors and in providing helpful information to assist you with recovering and restoring your credit.
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Many companies offer additional services that differentiate them against their competitors. We have listed some of these services on the carriers page under the "why buy" heading.
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The deductible is a co-pay amount which is the responsibility of the insured. Options vary by plan and can range from $0 to $2500. Deductibles can be charged 1) per policy; or 2) per individual; or 3) per incident, injury or illness; or 4) combination of the above. Most Medical Plans require you to select a deductible option while most Travel Protection plans offer a a zero deductible benefit.
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Return of Premium waiver guarantees you will be refunded the cost of your insurance premium if you cancel your trip for any reason (covered or not).
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To cover motorcycle/motor scooter riding, mountaineering (4500 meter limit), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, and snow boarding.
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Provides reimbursement for prepaid, non-refundable trip payments and deposits if a trip is canceled for specific unforeseen work related circumstances. Conditions apply.
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Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled for any reason. Some plans provide only return of premium.
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Provides an accidental death or dismemberment benefit while enrolled in the plan. Type of coverage offered varies with provider and can include one or more of the following: Accidental Death and Dismemberment, Common Carrier (death or dismemberment on any form of public transport) or Air Flight Accident (covers flight portion only). Please refer to policy details for coverage provided.
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This information relates to the covered benefit for Hospital Room expenses incurred by the insured. Benefits vary by plan and can be based on 1) usual, customary or reasonable expenses; or 2) a scheduled or fixed benefit plan. Some plans offer an additional indemnity benefit.
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This information relates to the covered benefit for Intensive Care services incurred by the insured. Benefits vary by plan and can be based on 1) usual, customary or reasonable expenses; or 2)a scheduled or fixed benefit plan.
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This information relates to the covered benefit for surgical services incurred by the insured. Benefits can vary by plan and can be based on 1) usual, customary or reasonable expenses; or 2) a scheduled or fixed benefit plan.
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This information relates to the covered benefit for Prescription Drugs while enrolled in the plan.
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