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Tour Protection Plan

Insure against the financial risks of traveling:
Accidents, illness, missed flights, cancellations,
lost/stolen baggage, terrorism...

Anything from terrible weather to a family emergency can derail your plans and bring your tour to an end before it even begins.

Protect your travel investment — and enjoy your adventures — with the Tour Protection Plan.

Purchase within 14 days of your initial trip deposit for maximum benefits.

Plan Benefits

Benefits Limits/Maximums
Trip Cancellation 100% of Trip Cost
Cancel for Any Reason (CFAR)
(optional upgrade)
75% of Trip Cost
Trip Interruption 100% of Trip Cost
Trip Delay (6 hrs.) $750 ($100/day)
Missed Connection (3 hrs.) $500
Airline Ticket Change Fee $100
Baggage/Personal Effects Loss $750
Described Property: $250 per item
Combined max. $500
Baggage Delay (12 hrs.) $250
Emergency Medical Expense $50,000
Emergency Medical Evacuation $150,000
Repatriation of Remains $150,000
Pre-Existing Condition Coverage Yes, if purchased within 14 days
of initial trip deposit
Accidental Death & Dismemberment $10,000
24-hour Emergency & Concierge Travel Assistance Included

Note: Benefits and limits may vary by state. Please review the state-specific Policy (below) for your complete benefits.

Plan Details (Policy)

For full plan details, download and read the Policy for your state of residence.

State of Residence Tour Protection Plan
CA Policy PDF
CO Policy PDF
IL Policy PDF
IN Policy PDF
KS Policy PDF
MA Policy PDF
MT Policy PDF
NH Policy PDF
NY Policy PDF
OR Policy PDF
PR Policy PDF
RI Policy PDF
TN Policy PDF
TX Policy PDF
UT Policy PDF
VA Policy PDF
WA Policy PDF
All Other States Policy PDF

Frequently Asked Questions

1. When should I purchase travel insurance?

2. How long prior to the departure date can a policy be purchased?

3. Can I cancel the plan after I purchase it?

4. Can I request a refund after the “Free Look” period has ended?

6. How much of my trip cost should I insure?

7. What is the maximum trip cost per person?

8. Can the trip cost be increased/decreased after purchase?

9. What is the maximum trip length allowed?

10. If a customer purchases a policy and then wants to extend the return date once already on the trip, is this allowed as long as the company is notified prior to the expiration date of the policy?

11. What if the client wants to change the dates of their trip (assuming the travel suppliers allow them to do so without penalty)? Is this permitted? Are there any restrictions?

12. What if I miss the Early Purchase Advantage period for pre-existing conditions waiver, Bankruptcy and Trip Cancellation For Any Reason (CFAR)?

13. Is there a maximum number of travelers that can be listed on the same application?

14. Can friends, family members and/or traveling companions be on the same policy? Do you have to live in the same state to be on the same policy? In the same household?

15. Can a traveler be added/removed after purchase?

16. Do travelers need to be listed on the same policy to be considered traveling companions?

17. How do we handle traveling companions that are traveling on different dates? Can they go on the same policy?

18. Are the plans available to residents of all states?

19. Are there residency or geographic requirements for travelers?

20. What if the travelers are visiting multiple countries?

21. Are there any restricted destination countries?

22. Is political/civil unrest covered?

23. Are pre-existing conditions excluded from coverage?

24. Is pregnancy considered a pre-existing condition? Is the waiver needed? Are complications of pregnancy covered? If so, what constitutes a complication?

25. Do you offer a pre-existing conditions waiver?

26. Does the emergency medical benefit continue once the insured returns home, or does it expire on the return date?

27. Does the plan provide advance payment to a hospital to secure admission?

28. Is age calculated on the date of purchase of the plan or the date of departure?

31. How is the initial trip payment calculated? Is it considered the day (or the day after) the check is written or the day (or day after) the check is cashed?

32. Are coverages per person or per policy?

33. When are weather or storms considered “foreseen”? For tropical storms/hurricanes/winter storms is it when the storm is forecasted, or when the storm is named?

34. When does my coverage become effective?