Coronavirus Cancellation can provide reimbursement for prepaid and non-refundable trip payments if a trip is canceled or interrupted due to a traveler contracting the coronavirus. While many providers consider virus outbreaks to be foreseen after they become publicly known, certain providers do not assign a foreseen date to contracting a virus, meaning they can reimburse a traveler’s trip costs if they contract a virus and are forced to cancel. This coverage is only available if a provider does not consider contracting a virus to be foreseen.
Coronavirus Medical can reimburse the medical costs a traveler incurs in the event they contract the coronavirus during a trip. While many providers consider virus outbreaks to be foreseen after they become publicly known, certain providers do not assign a foreseen date to contracting a virus, meaning they can cover the medical costs to treat a traveler who contracts a virus while on their trip. This coverage is only available if a provider does not consider contracting a virus to be foreseen.
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.
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 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 and Weather can reimburse a traveler in the event they must cancel or interrupt their trip due to inclement weather.
Terrorism reimburses travelers who need to cancel or interrupt their trip due to a terrorist attack.
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 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 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 can reimburse a traveler to cancel their trip due to specific unforeseen work-related conditions.
Emergency Medical can reimburse the costs to treat a medical emergency during a trip.
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 is the percentage of medical expenses, after the Medical Deductible, that are the responsibility of the insured.
The Medical Deductible is a co-pay amount that the insured is responsible for.
Home Country Coverage provides coverage for incidental trips back to a traveler’s home country during an international trip.
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 provides transportation from a place of danger to a place of safety during a natural disaster or a time of civil or political unrest.
Travel Delay reimburses the costs of meals and accommodations when a trip is unexpectedly delayed.
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 and Personal Items Loss provides reimbursement for lost, stolen, or damaged luggage.
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.
24-Hour AD&D provides a cash payment in the event of accidental loss of life or limb during a covered trip.
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 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.
The Sports & Activities benefit is designed to cover travelers who are participating in sports and adventurous activities, some of which may otherwise be excluded. Travelers can indicate the activities they will be participating in by selecting the Sports & Activities filter.
Sports Equipment Loss can reimburse a traveler in the event their own sports equipment is lost or damaged during a covered trip.
Sports Equipment Delay can cover the cost of renting equipment in the event a traveler’s own equipment is delayed while on the way to their destination.
Sports Weather Loss can reimburse a traveler’s prepaid and non-refundable trip payments when they are not able to participate in a sport or activity due to inclement weather.
Search and Rescue coverage pays for the costs associated with finding a traveler in the event they become lost, disoriented, or go missing while participating in a recreational activity during their trip.
Sports Fees can reimburse a traveler’s prepaid and non-refundable payments that are specific to sports and activities.
Rental Car Damage provides reimbursement for damage to, or theft of, a rental vehicle during a covered trip.
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.
Travel insurance providers have a 24-Hour Assistance Service department to help travelers 24/7 during their trip.
Identity Theft provides assistance with the services and costs associated with recovering a traveler’s identity and credit.
Renewable Policies can be extended during a trip, for periods of 6-36 months, depending on the policy.
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 applies only to Annual travel insurance policies. This is the most trips a traveler can take during the year they are covered.
Many travel insurance providers offer additional benefits to differentiate themselves against their competitors.
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