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Please Note: Plan benefits, limits, and provisions may vary by state or jurisdiction. All travelers on a plan must reside in the same state.
Coverage For Your Arrangements – Benefit Limits
Plan Preferred
Trip Cancellation Trip Cost
Trip Interruption 150% of Trip Cost
Missed Connection $5,000
Trip/Travel Delay $2,000
Required minimum delay time 8 Hours
Cancel For Any Reason Not Available
Coverage For You – Benefit Limits
Plan Preferred
Medical Expense / Emergency Assistance  
Accident & Sickness Medical Expense $50,000
Emergency Dental Expense $750
Emergency Medical Evacuation &
Return of Remains
24 Hour Travel Assistance Services Included
Accidental Death & Dismemberment  
24 Hour Coverage during Trip $50,000
Coverage For Your Belongings – Benefit Limits
Plan Preferred
Baggage & Personal Effects $3,000
Baggage Delay $1,000
Per Day Maximum Limit No Daily Limit
Required minimum delay time 24 Hours
Coverage For Your Travel Arrangements – Benefit Provisions
Plan Preferred
Trip Cancellation or Interruption Due to:  
Sickness, Injury or Death
A Pre-Existing Medical Condition
Required time period for purchase Within 21 days of initial trip deposit
Common Carrier Delay/Cancellation:  
Unannounced strike
Mechanical breakdown
Bad weather
Residence, destination or workplace made uninhabitable by fire, flood, or natural disaster
Involuntary termination of employment
1 year continuous employment
Being hijacked, quarantined or jury duty
Death/hospitalization of Host at destination
Traffic accident while en route to departure
Bankruptcy or default of a travel supplier
Required time period for bankruptcy/default More than 14 days after purchase
A Terrorist Incident
Documented theft of passports or visas
Military personnel called to emergency duty for a natural disaster
Revocation of previously granted military leave
(due to war)
Trip Cancellation reimburses:  
Prepaid, forfeited, non-refundable trip payments or deposits
Single Occupancy Upgrade charges incurred due to a covered reason
Trip Interruption reimburses:  
Prepaid, unused, non-refundable land or water travel arrangements
Additional airfare expense to return home, or to join/rejoin the trip
Single Occupancy Upgrade charges incurred due to a covered reason
Missed Connection Due to:  
Any Common Carrier caused delay
Missed Connection reimburses:  
Additional transportation cost to join the trip
Unused portion of the prepaid expenses for covered travel arrangements
Trip or Travel Delay Due to:  
Common Carrier Delay
Involvement in traffic accident en route to departure
Lost/stolen passports, travel documents or money, civil commotion or riot.
Quarantine, hijacking, strike, natural disaster, civil commotion or riot
Trip/Travel Delay reimburses:  
Additional meal and accommodation expenses
Local transportation expenses
Coverage For You – Benefit Provisions
Plan Preferred
Accident & Sickness Medical Expense due to:  
Injury or Sickness occurring during the trip
Pre-Existing Medical Conditions
Required time period for purchase Within 21 days of initial Trip Deposit
Accident & Sickness Medical Expense reimburses:  
On a Primary or Excess Basis Primary
(On trip expenses)
Services of a physician; prescribed drugs, prosthetics and therapeutic services/supplies
Emergency dental expenses
Hospital services
Ambulance transportation to and/or from a hospital
Medical Evacuation due to:  
Injury or Sickness when appropriate care, treatment or facilities are not available locally
Medical Evacuation reimburses:  
Medically required transportation expenses to a Hospital for care and treatment or home
Transportation expenses to return an unattended dependent home due to a hospitalization
(More than 7 days)
Transportation expenses for a bedside visit when hospitalized
(More than 7 days)
Return of Remains due to:  
Death occurring during a trip
Return of Remains reimburses:  
Transportation and preparation expenses for return of remains home
Coverage For Your Belongings – Benefit Provisions
Plan Preferred
Baggage & Personal Effects loss or damage due to:  
Loss, theft or damage
Baggage & Personal Effects reimburses:  
Cost to replace clothing and other personal articles
Cost to replace lost/stolen passports or visas
Maximum Sublimit for loss to jewelry, furs, cameras & accessories, etc. $600
Per Article Maximum Limit $300
Baggage Delay due to:  
Misdirection by a Common Carrier
Baggage Delay reimburses:  
Cost of necessary personal items purchased during the delay
24 Hour Worldwide Assistance Services
Plan Preferred
24 Hour Medical Assistance Services:  
24 Hour Emergency Medical Hotline
Medical consultation and monitoring when you are hospitalized
Coordinate medical evacuation arrangements
Help with replacing lost/stolen prescriptions
Help arranging for return of remains
Nurse Helpline for general health information before and during your trip
24 Hour Travel Assistance Services  
Sending emergency messages to friends, family or business associates
Language interpretation services
Help with emergency cash transfers
Passport/Visa, vaccinations, & travel health Information
Help with replacing lost/stolen tickets or travel documents
24 Hour Concierge Services  
Restaurant and shopping recommendations or reservations
Local transport, reservations, sports, theatre, & event information/ticketing
Golf course referrals & tee times
Baggage tracking/assistance
24 Hour Business Assistance Services  
Assistance with emergency communications
Assistance with locating available business services
Telephone or web conference assistance
Information about weather conditions, travel delays & flight status
Emergency travel arrangements