Plan details for the InsureandGo USA Platinum Policy

InsureandGo USA InsureandGo USA

Provider Insureandgo logo 75x20 pngInsureandGo USA
Plan Name Platinum
  Certificate
Ratings
AM Best Rating Underwritten by American Commerce Insurance Company

AM Best's Rating of A (Excellent)
Effective as of: 04/09/2014

Verify Rating at
www.ambest.com
Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee
Cancellation
Trip Cancellation

100% of the trip cost

Trip Interruption

150% of the trip cost

Hurricane & Weather

Common carrier delay for 24 hours
Accommodation made uninhabitable
Must be purchased before storm is named

Terrorism

Covered for foreign and domestic if purchased within 21 days of deposit

Financial Default

No coverage

Employment Layoff

Covered
If employed for 3 continuous years

Cancel For Medical Reasons

Included in Trip Cancellation and Trip Interruption

Cancel For Work Reasons

No coverage

Cancel For Any Reason

No coverage
This benefit is separate from Trip Cancellation

Medical
Emergency Medical

$500,000 per person
Secondary coverage

Pre-Existing Condition

Covered if purchased within 14 days of trip deposit

Co-Insurance

No Co-Insurance

Medical Deductible

No Medical Deductible

Home Country Coverage

No coverage

Evacuation
Medical Evacuation & Repatriation

$500,000 per person

Non-Medical Evacuation

No coverage

Loss or Delay
Travel Delay

$500 per person
$200 daily limit
Covered after 6 hour delay

Baggage Delay

$800 per person
Covered after 12 hour delay

Baggage & Personal Items Loss

$2,000 per person
$250 per item
$300 specific items limit

Missed Connection

$500 per person
Covered after 3 hour delay
Cruise only

Accidental Death
24 Hour AD&D

$25,000 per person

Flight Only AD&D

$50,000 per person

Common Carrier AD&D

No coverage

Sports
Hazardous Sports

No coverage

Sports Equipment & Fees

No coverage

Amateur Sports

No coverage

Other Benefits
Rental Car Damage

No coverage

Money Back Guarantee

Up to 10 days after purchase

24 Hour Assistance Service

24 hour assistance provided

Additional Benefits

Concierge Services Coverage

Identity Theft

No coverage

Renewable Policy

Not renewable

Maximum Trip Length

Not applicable

Maximum Number of Trips

Not applicable

All Events Upgrade

No coverage