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Coverage Highlights

3 Ways Travel Insurance Could Benefit You

Enjoy the peace of mind and comfort that a well-crafted travel insurance protection plan supplies and save yourself the hassles and expenses that an unexpected illness, injury, or travel delay can entail. Below are the top three examples of how the Travel Protection Plan can protect your travel investment or provide support or reimbursement for issues during your trip. Click on the benefit hyperlinks for coverage details.

1. You have an unexpected health issue while traveling.

Perhaps you twist an ankle while hiking Mont Blanc or contract pneumonia in Tanzania; what options do you have? Since few medical insurance policies or Medicare offer coverage outside the U.S., you may encounter unexpected bills if a medical emergency strikes.

The $50,000 primary Medical Expense benefit covers you for emergency medical expenses incurred during your trip (and for ongoing treatment after you return) as well as $500 for emergency dental care. This plan includes 24-hour, worldwide, collect-call access to On Call International for emergency travel arrangements, and $500,000 in Emergency Medical Evacuation coverage.

2. You encounter travel delays and hassles during your trip.

Your flight to join your Alaska voyage was cancelled due to inclement weather, and you arrive a day late to find that the ship has already sailed. You may incur costly transportation expenses to catch up with the group.

The plan’s Missed Connection benefit will reimburse you up to a maximum of $1,500 for additional transportation costs and reasonable accommodations to catch up to your cruise or tour. Even if joining the trip is simple, the Trip Delay benefit of up to $250/day will reimburse you for meals and hotels if you are delayed for more than 12 hours.

You arrive into Paro for your Bhutan adventure to discover your luggage is missing and you have unexpected expenses to replace clothes and essentials until it is found. Perhaps your passport is lost or stolen while you are in Tuscany.

The Travel Protection Plan’s Baggage Delay/Loss benefits cover loss or damage to your personal effects and can reimburse your purchase of necessities if your baggage is misdirected or lost for more than 24 hours. This plan includes support from On Call International for emergency replacement of lost or stolen passports, visas, or other travel documents.

3. You need to cancel or interrupt your trip.

You are eagerly anticipating your Peruvian trip to Machu Picchu but must cancel due to a serious medical condition which arises a few months/weeks/days before departure. Or perhaps you are already in Spain exploring its prehistoric caves when you learn of the passing of a family member, and you need to return home urgently.

The timing of a cancellation can impact what part of your travel investment is refundable; travel insurance may be able to recover much that is not. The Trip Cancellation/Interruption coverage may reimburse you for the unused, non-refundable pre-paid portion of a trip as well as the expenses of new or changed air tickets to return home if your travel plans change due to a reason covered by the plan. Additionally, this plan includes 24-hour, worldwide, collect-call access to On Call International for emergency travel arrangements.

NOTE: Trip Cancellation or Interruption benefits are not eligible for coverage if the reason for cancellation is due to a pre-existing medical condition. However, the Pre-Existing Medical Condition Exclusion will be waived when the plan is purchased within 21 days from initial deposit, and cancellations due to a chronic condition which becomes acute and/or causes you to change treatment within the 60 days prior to the effective date of the Travel Protection Plan would be covered. This provision extends to you, your spouse, parents, children, siblings, and business partner.

Perhaps you choose to cancel your trip because you received a work promotion or your first grandchild is expected during the dates of the trip. Or maybe you need to leave your Tanzanian safari because the kennel notifies you your dog is seriously unwell. You are faced with the dilemma of whether to continue with your travel plans or change them, with the possibility that you will have non-refundable or additional costs.

Upgrade the Travel Protection Plan with Cancel/Interruption for Any Reason coverage and know that you can cancel your trip for any reason. With CFAR/IFAR, your pre-paid, non-refundable trip payments are covered for up to 75% of your Total Trip Cost when you cancel your trip (up until 48 hours prior) or leave early (after 48 hours) for any reason not otherwise covered under the Trip Cancellation/Interruption benefit.

NOTE: This upgrade option is at additional expense and must be purchased within 21 days from your initial deposit on the trip. The optional Cancel/Interruption for Any Reason upgrade is not available to residents of NY; call 1-855-874-0252 for other options.

 

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