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Plan Name Essential Essential Preferred Preferred Elite Elite Active Active Adventure Adventure Multi-Trip Multi-Trip Medical excl US Medical excl US Evacuation
  Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate
Ratings
AM Best Rating Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

Verify Rating at
www.ambest.com
Underwritten by Arch Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 03/20/2014

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

100% of the trip cost

100% of the trip cost

100% of the trip cost

100% of the trip cost

100% of the trip cost

100% of the trip cost

100% of the trip cost

100% of the trip cost

100% of the trip cost

100% of the trip cost

$1,500 per person per year

No coverage

No coverage

No coverage

Trip Interruption

100% of the trip cost

100% of the trip cost

150% of the trip cost

150% of the trip cost

150% of the trip cost

150% of the trip cost

150% of the trip cost

150% of the trip cost

150% of the trip cost

150% of the trip cost

$1,500 per person per year

No coverage

$5,000 per person
Return transportation only

No coverage

Hurricane & Weather

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

Common carrier delay for 24 hours
Mandatory evacuation conditionally covered
Accommodation made uninhabitable
Hurricane warning conditionally covered

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

Common carrier delay for 24 hours
Mandatory evacuation conditionally covered
Accommodation made uninhabitable
Hurricane warning conditionally covered

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

Common carrier delay for 24 hours
Mandatory evacuation conditionally covered
Accommodation made uninhabitable
Hurricane warning conditionally covered

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

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

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

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

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

No coverage

No coverage

No coverage

Terrorism

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

No coverage

No coverage

No coverage

Financial Default

Covered after 14 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 21 days of trip deposit

No coverage

No coverage

No coverage

No coverage

Employment Layoff

Covered
If employed for 1 continuous year

Covered
If employed for 1 continuous year

Covered
If employed for 1 continuous year

Covered
If employed for 1 continuous year

Covered
If employed for 1 continuous year

Covered
If employed for 1 continuous year

Covered
If employed for 1 continuous year

Covered
If employed for 1 continuous year

Covered
If employed for 1 continuous year

No coverage

Covered
If employed for 1 continuous year

No coverage

No coverage

No coverage

Cancel For Medical Reasons

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

No coverage

No coverage

No coverage

Cancel For Work Reasons

No coverage

No coverage

No coverage

Optional coverage

Covered for 100% of trip cost if purchased within 21 days of trip deposit
This benefit is separate from Trip Cancellation and Employment Layoff

Covered for 100% of trip cost if purchased within 21 days of trip deposit

Optional coverage

Optional coverage

Optional coverage

Optional coverage

No coverage

No coverage

No coverage

No coverage

Cancel For Any Reason

No coverage
This benefit is separate from Trip Cancellation

No coverage
This benefit is separate from Trip Cancellation

No coverage
This benefit is separate from Trip Cancellation

Optional coverage
This benefit is separate from Trip Cancellation

Optional coverage
This benefit is separate from Trip Cancellation

Optional coverage
This benefit is separate from Trip Cancellation

Optional coverage
This benefit is separate from Trip Cancellation

Optional coverage
This benefit is separate from Trip Cancellation

Optional coverage
This benefit is separate from Trip Cancellation

Optional coverage
This benefit is separate from Trip Cancellation

No coverage
This benefit is separate from Trip Cancellation

No coverage
This benefit is separate from Trip Cancellation

No coverage
This benefit is separate from Trip Cancellation

No coverage
This benefit is separate from Trip Cancellation

Medical
Emergency Medical

$15,000 per person
Secondary coverage

$15,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

$15,000 per person
Secondary coverage

$100,000 per person
Secondary coverage

$50,000 per person
Secondary coverage

No coverage

Pre-Existing Condition

Covered if purchased within 21 days of trip deposit

Covered if purchased within 21 days of trip deposit

Covered if purchased within 21 days of trip deposit

Covered if purchased within 21 days of trip deposit

Covered if purchased within 21 days of trip deposit

Covered if purchased within 21 days of trip deposit

Covered if purchased within 21 days of trip deposit

Covered if purchased within 21 days of trip deposit

Covered if purchased within 21 days of trip deposit

Covered if purchased within 21 days of trip deposit

No coverage
Pre-existing look-back period 180 days

No coverage
Pre-existing look-back period 180 days

$1,000 per person Emergency Medical for Unexpected Recurrence

Covered

Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

No Co-Insurance

Plan pays 100% after deductible

No Co-Insurance

Medical Deductible

$50 per occurrence

$50 per occurrence

$50 per occurrence

$50 per occurrence

$50 per occurrence

$50 per occurrence

$50 per occurrence

$50 per occurrence

$50 per occurrence

$50 per occurrence

No Medical Deductible

$250 per occurrence

$250 per occurrence

No Medical Deductible

Home Country Coverage

No coverage

No coverage

No coverage

No coverage

No coverage

No coverage

No coverage

No coverage

No coverage

No coverage

No coverage

No coverage

No coverage

No coverage

Evacuation
Medical Evacuation & Repatriation

$150,000 per person

$150,000 per person

$500,000 per person

$500,000 per person

$1,000,000 per person

$1,000,000 per person

$500,000 per person

$500,000 per person

$500,000 per person

$500,000 per person

$100,000 per person
1 transport per year

Included in Emergency Medical
$100,000 per person

$100,000 per person

$1,000,000 per person
2 transports per year

Non-Medical Evacuation

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

$100,000 per person

Loss or Delay
Travel Delay

$500 per person
$100 daily limit
Covered after 12 hour delay

$500 per person
$100 daily limit
Covered after 12 hour delay

$1,000 per person
$200 daily limit
Covered after 6 hour delay

$1,000 per person
$200 daily limit
Covered after 6 hour delay

$1,500 per person
$200 daily limit
Covered after 6 hour delay

$1,000 per person
$200 daily limit
Covered after 6 hour delay

$1,000 per person
$200 daily limit
Covered after 6 hour delay

$1,000 per person
$200 daily limit
Covered after 6 hour delay

$1,000 per person
$200 daily limit
Covered after 6 hour delay

$1,000 per person
$200 daily limit
Covered after 6 hour delay

No coverage

No coverage

No coverage

No coverage

Baggage Delay

$200 per person
Covered after 24 hour delay

$200 per person
Covered after 24 hour delay

$300 per person
Covered after 12 hour delay

$300 per person
Covered after 12 hour delay

$500 per person
Covered after 12 hour delay

$500 per person
Covered after 12 hour delay

$1,500 per person
Covered after 12 hour delay

$1,500 per person
Covered after 12 hour delay

$1,500 per person
Covered after 12 hour delay

$1,500 per person
Covered after 12 hour delay

$150 per person
Covered after 24 hour delay

No coverage

No coverage

No coverage

Baggage & Personal Items Loss

$750 per person
$250 per item
$500 specific items limit
$50 deductible per occurrence

$750 per person
$250 per item
$500 specific items limit

$1,000 per person
$250 per item
$500 specific items limit

$1,000 per person
$250 per item
$500 specific items limit

$2,500 per person
$250 per item
$500 specific items limit

$2,500 per person
$250 per item
$500 specific items limit

$2,500 per person
$500 per item
$500 specific items limit

$2,500 per person
$500 per item
$500 specific items limit

$2,500 per person
$500 per item
$500 specific items limit

$2,500 per person
$500 per item
$500 specific items limit

$1,000 per person
$250 per item
$500 specific items limit

No coverage

$250 per person
$50 per item
Checked luggage only

No coverage

Missed Connection

$200 per person
Covered after 6 hour delay

$200 per person
Covered after 6 hour delay

$500 per person
Covered after 3 hour delay

$500 per person
Covered after 3 hour delay

$750 per person
Covered after 3 hour delay

$750 per person
Covered after 3 hour delay

$250 per person
Covered after 3 hour delay

$250 per person
Covered after 3 hour delay

$250 per person
Covered after 3 hour delay

$250 per person
Covered after 3 hour delay

No coverage

No coverage

No coverage

No coverage

Accidental Death
24 Hour AD&D

No coverage

No coverage

$10,000 per person

$10,000 per person

$25,000 per person

$25,000 per person

$10,000 per person

$10,000 per person

$10,000 per person

$10,000 per person

No coverage

No coverage

$25,000 per person

No coverage

Flight Only AD&D

Optional coverage

Optional coverage

No coverage

Optional coverage

$100,000 per person

$100,000 per person

Optional coverage

Optional coverage

Optional coverage

Optional coverage

No coverage

No coverage

No coverage

No coverage

Sports
Hazardous Sports

No coverage

No coverage

No coverage

No coverage

Optional coverage

Optional coverage

No coverage

No coverage

Covered

Covered

No coverage

Optional coverage

Optional coverage

No coverage

Sports Equipment & Fees

No coverage

No coverage

No coverage

No coverage

Optional coverage

Optional coverage

$1,000 per person

$1,000 per person

$1,000 per person

$1,000 per person

No coverage

No coverage

No coverage

No coverage

Other Benefits
Rental Car Damage

Optional coverage

Optional coverage

No coverage

Optional coverage

Optional coverage

Optional coverage

Optional coverage

Optional coverage

Optional coverage

Optional coverage

$50,000 policy limit
$250 deductible per policy

No coverage

No coverage

No coverage

Money Back Guarantee

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

Up to 14 days after purchase

24 Hour Assistance Service

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

Additional Benefits

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Concierge Services Coverage

Renewable Policy

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Not renewable

Maximum Trip Length

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

30 days per trip

30 days per trip

Not applicable

90 days per trip

Maximum Number of Trips

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

Not applicable

4 per year

4 per year

Not applicable

No limit