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Coverage Highlights

Why Do I Need Travel Insurance?

Your health insurance may not cover you while you're traveling

  • Medical policies and HMO's may provide you limited coverage outsite of the United States.
  • Medicare provides no coverage.

That may leave you with high bills if a medical emergency strikes. If you need to be medically evacuated, costs to you can easily reach $50,000 or more.

If your cruise leaves without you, it may cost extra to catch up

If you purchase the TravelSecure Elite Plan and you miss your cruise departure due to a cancelled or delayed flight of 3 hours or more due to inclement weather, the plan will pay the additional transportation expenses needed for you to join your departed cruise.


Coverage Highlights

Trip Cancellation
The plan will reimburse, up to the plan maximum, the amount of prepaid, non-refundable cancellation charges imposed by the travel supplier if cancellation occurs before your scheduled departure date because of unforeseen circumstances such as illness, injury, death, strike, and weather. The plan will also reimburse reissue fees charges by the airline to retain your frequent flyer miles if not used to purchase another airline ticket for your trip.

Trip Interruption
The plan will reimburse up to the maximum if you are prevented from continuing or resuming your trip due to unforeseen circumstances such as illness, injury, death, strike and weather.

Trip Delay
The plan will reimburse additional expenses on a one-time basis, up to the plan maximum, if you are delayed en route to or from your trip for 12 or more hours due to an unforeseen hazard such as delay of Common Carrier, traffic accident, weather, or lost or stolen passport.

Emergency Medical Expense
The plan will pay for reasonable and customary emergency medical and surgical services of a physician, nurse or hospital as a result of a covered injury or sickness first occurring on your trip, up to the plan maximum. Included is anesthetics, x-ray examinations, laboratory tests, ambulance service, drugs, medicine and emergency dental treatment for injury to teeth.

Emergency Evacuation & Repatriation of Remains
The plan will pay reasonable charges for emergency medical evacuation ordered by a physician, for a covered injury or sickness, to the closest adequate medical facility using the most direct and economical conveyance and route possible. All evacuations must be authorized and arranged in advance by the assistance company.

Pre-Existing Medical Condition Exclusion Waiver
The 60 day Pre-Existing Medical Condition Exclusion found in the plan is waived if coverage is purchased within 14 days of your initial payment/deposit for the Trip, provided you purchase the plan for the full trip cost and you are not disabled from travel at the time you purchase coverage.

Cancel for Any Reason (Elite only)
This benefit is available only with the TravelSecure Elite plan which will pay up to 70% of your prepaid, forfeited, non-refundable payments/deposits for the covered trip provided:

  1. You purchase the optional Cancel For Any Reason coverage within 14 days of your initial trip payment/deposit;
  2. You insure the full cost of all non-refundable prepaid trip arrangements;
  3. You insure the full cost of any subsequently booked trip arrangements within 14 days of payment/confirmation for those additional arrangements; and
  4. The trip is cancelled at least 2 days prior to the scheduled departure.

 

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