Cancellation

Trip Cancellation

Trip Cancellation provides reimbursement for prepaid and non-refundable trip payments if a trip is canceled due to unforeseen circumstances, including illness, injury, or death.

Trip Interruption

Trip Interruption provides reimbursement for prepaid and non-refundable trip payments if a portion of a trip is missed, or the traveler must return home early due to unforeseen circumstances, including illness, injury, or death.

Hurricane & Weather

Hurricane and Weather can reimburse a traveler in the event they must cancel or interrupt their trip due to inclement weather.

Terrorism

Terrorism reimburses travelers who need to cancel or interrupt their trip due to a terrorist attack.

Financial Default

Financial Default can reimburse a traveler’s trip costs if they need to cancel because of a complete suspension of operations by their travel supplier due to financial circumstances, whether or not bankruptcy is filed.

Employment Layoff

Employment Layoff can reimburse prepaid and non-refundable trip costs if a traveler cancels their trip due to involuntary layoff or termination of employment.

Cancel For Medical Reasons

Cancel For Medical Reasons can reimburse a traveler to cancel their trip due to an unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.

Cancel For Work Reasons

Cancel For Work Reasons can reimburse a traveler to cancel their trip due to specific unforeseen work-related conditions.

Cancel For Any Reason

Cancel For Any Reason is an optional upgrade that provides partial reimbursement for prepaid and non-refundable trip payments if a trip is canceled for a reason not otherwise covered by a policy.

Medical

Emergency Medical

Emergency Medical can reimburse the costs to treat a medical emergency during a trip.

Pre-Existing Condition

A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed during a policy’s lookback period.

Co-Insurance

Co-Insurance is the percentage of medical expenses, after the Medical Deductible, that are the responsibility of the insured.

Medical Deductible

The Medical Deductible is a co-pay amount that the insured is responsible for.

Home Country Coverage

Home Country Coverage provides coverage for incidental trips back to a traveler’s home country during an international trip.

Evacuation

Medical Evacuation & Repatriation

Medical Evacuation can provide coverage for transportation of a traveler to the nearest adequate medical facility in the event of a medical emergency during their trip. Repatriation can transport a traveler’s remains back home.

Non-Medical Evacuation

Non-Medical Evacuation provides transportation from a place of danger to a place of safety during a natural disaster or a time of civil or political unrest.

Loss or Delay

Travel Delay

Travel Delay reimburses the costs of meals and accommodations when a trip is unexpected delayed.

Baggage Delay

Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler’s luggage is delayed for a specified period of time.

Baggage & Personal Items Loss

Baggage and Personal Items Loss provides reimbursement for lost, stolen, or damaged luggage.

Missed Connection

Missed Connection can reimburse the additional costs for a traveler to catch up to their trip if they miss their departure for a covered reason.

Accidental Death

24 Hour AD&D

24-Hour AD&D provides a cash payment in the event of accidental loss of life or limb anytime during a covered trip.

Flight Only AD&D

Flight Only AD&D provides a cash payment in the event of accidental loss of life or limb that occurs while flying during a covered trip.

Common Carrier AD&D

Common Carrier AD&D provides a cash payment in the event of accidental loss of life or limb that occurs while traveling on a common carrier during a covered trip.

Sports

Hazardous Sports

Hazardous Sports coverage will waive the exclusion of certain sports, such as skydiving, bungee jumping, and climbing at high elevations, from a travel insurance policy.

Sports Equipment & Fees

Sports Equipment and Fees can reimburse a traveler’s prepaid and non-refundable payments for lift tickets, green fees, equipment rentals, and lessons.

Amateur Sports

Amateur Sports are any organized sporting events, including scholastic, collegiate, and other forms of non-professional sports.

Other Benefits

Rental Car Damage

Rental Car Damage provides reimbursement for damage to, or theft of, a rental vehicle during a covered trip.

Money Back Guarantee

Money Back Guarantee is the “free-look” period when a traveler can decide if the policy they purchased is right for them, and cancel for a full refund.

24 Hour Assistance Service

Travel insurance providers have a 24-Hour Assistance Service department to help travelers 24/7 during their trip.

Identity Theft

Identity Theft provides assistance with the services and costs associated with recovering a traveler’s identity and credit.

Renewable Policy

Renewable Policies can be extended during a trip, for periods of 6-36 months, depending on the policy.

Maximum Trip Length

Maximum Trip Length applies only to Annual travel insurance policies. This is the longest single trip a traveler can take during the year they are covered.

Maximum Number of Trips

Maximum Number of Trips applies only to Annual travel insurance policies. This is the most trips a traveler can take during the year they are covered.

Additional Benefits

Many travel insurance providers offer additional benefits to differentiate themselves against their competitors.

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