Travel Insurance Benefits

Provides coverage for the necessary medical, surgical and emergency dental care costs if you become sick or accidentally injured while on your covered trip. Coverage is in excess of your standard coverage, except where prohibited.

A Pre-Existing Medical condition means a sickness or injury during the *180-day period immediately prior to your effective date for which you or your Traveling Companion:

• Received, or received a recommendation for, a diagnostic test, examination, or medical treatment, or
• Took or received a prescription for drugs or medicine.
• Exclusions apply. Item two does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the *180-day period before coverage is effective under this Policy.

The Company will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the Definition section, including death that results from.

For the Basic, Premium, and Elite travel protection plans, this Exclusion does not apply provided you meet the following requirements:

1. Coverage is purchased prior to or within 15 days of your Initial Deposit; and 
2. You are medically able to travel at the time coverage is purchased; and
3. You insure 100% of your prepaid Trip costs that are subject to cancellation penalties or restrictions.

*Day period varies by state. Purchase requirements can vary by state. Please see your state-specific Description of Coverage/Policy for complete coverage details.

Provides coverage if you are injured by an accident, which occurs while you are on a trip, and you suffer the loss of life or limb within 365 days of the accident.

Provides reimbursement for unused, non-refundable, pre-paid trip costs if you are prevented from taking your trip due to a covered reason.

Provides reimbursement up to 75% of unused, non-refundable, prepaid trip cost when you cancel for any reason. Available as an optional upgrade on the Elite plan if purchased within 24 hours of initial deposit. Other conditions apply, please see your Description of Coverage or Policy for details. 

*Not available to NY Residents

Provides reimbursement for unused, non-refundable, pre-paid trip costs if your trip is interrupted due to a covered event. Also provides reimbursement for the additional transportation cost to return home or rejoin your group.

Provides reimbursement for reasonable expenses incurred such as accommodations, meals and local transportation if you are delayed (for the specified amount of hours located in your state specific document) during your trip due to a covered reason.

Provides benefits for additional transportation expenses, reasonable local accommodation expenses and unused land or water arrangements if you miss your cruise or tour departure as the result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather.

Provides coverage for loss, theft or damage to your baggage and covered personal effects during your covered trip.

Provides reimbursement for the purchase of necessary items if baggage is delayed (for the specified amount of hours located in your state specific document) during your covered trip.

Provides coverage for loss, theft or damage of your sporting equipment and devices needed to participate in a particular sport, taken by you for use on your trip.

Provides reimbursement for the cost of sporting equipment rentals if your sporting equipment is delayed (for the specified amount of hours located in your state specific document) during your covered trip.

Provides primary coverage if your rental car is damaged due to collision, fire, flood, theft, vandalism, windstorm or hail.

Not available in TX for the trip plans. Not available in TX & WA for the annual plans.

Concierge Services

Get pre-trip assistance, and help scheduling golf tee times, making restaurant, airline and rental car reservations, and ticketing for entertainment and other special events.

Identity Theft Resolution Services

A service that provides assistance when your identity has been compromised while traveling on your vacation. This service is automatically included for a full 180 days starting on your scheduled departure date. ID Theft Resolution does not include, and shall not assist you for thefts involving non-U.S. bank accounts

Teladoc

Connect instantly with a network of physicians for information, advice, and treatment, including prescription medication, when appropriate.

*Teladoc services may not be available in all states, and international services may be limited.

No Out-of-Pocket Medical Expenses

If you get sick or injured while traveling, we can get you to a trusted provider and even handle the payment for acute treatments up to $1,000.