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Plan Benefits

Shown below is a summary of benefits of the Travel Protection Plan. For full details of each benefit, please read the Description of Coverage (DOC) for your state of residence.

Benefit Limits/Values
The plan will reimburse you if cancellation occurs before your scheduled departure because of unforeseen circumstances covered by the plan, such as Illness, Injury, Sickness, Death, Strike, Weather, Employment Termination or a Terrorist Incident.
Up to 100% of non-refundable, insured Trip Cost
(maximum $120,000)
The plan will reimburse you when your Trip is interrupted after departure because of unforeseen circumstances covered by the plan. Coverage includes reimbursement for additional transportation expenses to join or rejoin the Trip or to return home.
Up to 150% of non-refundable, insured Trip Cost (maximum $180,000)
The plan 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 if you miss your group departure because your arrival at the Trip Destination is delayed 3 or more hours due to a covered reason.
If your Trip is delayed 12 hours or more due to a covered reason, you will be reimbursed up to the plan maximum for reasonable additional expenses. Covered reasons include Illness, Injury, carrier-caused delays, lost or stolen passport/travel documents and weather.
We will reimburse you, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip, provided you have taken reasonable steps to protect your Baggage against loss, theft, damage and destruction. Under this coverage, we will also provide benefits for the administrative fees to reissue lost, stolen or damaged tickets, visas or passports. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies.
Travel Protection Plan We will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Trip. We will reimburse you up to the amount shown in the Schedule for expenses incurred during your Trip to locate/track your delayed Baggage, and to retrieve your delayed Baggage or to have your delayed Baggage delivered to you. We will also reimburse you for the cost to launder your clothing during the time your Baggage is delayed. This coverage terminates when your Baggage is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.
In the unlikely event you are injured in an accident on the Trip that results in your death or dismemberment, the plan will pay up to the maximum limit on the Schedule of Benefits.

  Secondary coverage in all states, except NY.
The plan will pay up to the maximum limit of coverage for reasonable and customary medical and surgical services of a Physician, nurse and/or Hospital as a result of an Injury or Sickness first occurring on your Trip. Covered expenditures include related medication expenses and emergency dental treatment while on the Trip.
We will pay this benefit, up to the amount on the Schedule, for the following Covered Expenses incurred by you, subject to the following: 1. Covered Expenses will only be payable at the Usual and Customary level of payment; and 2. Benefits will be payable only for covered expenses listed below resulting from a Sickness that first manifests itself or an Injury that occurs while on a Trip;
Covered Expenses: 1. Expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to prior approval by us or our authorized agent; (continues...)
For the FULL list of covered expenses and complete information, see the Description of Coverage.
  Non-Insurance Services
Concierge Services include:
City profiles
Epicurean needs
Event ticketing
Flowers and gift baskets
Golf outings and tee times
Hotel accommodations
Meet-and-greet services
Personalized retail shopping assistance
Pre-trip assistance (information on travel destinations, city profiles, weather, special events, ATM locations, currency exchange rates, immunization and passport requirements, and related services)
Procurement of hard-to-find items
Restaurant reviews and reservations
Rental car reservations
Airline reservations
Pet Services Locator
For complete information, see the Description of Coverage.
  Optional Upgrade

  Additional cost applies.
  Not available to residents of NY.
The Trip Cancellation benefit covers a number of reasons—most commonly your or a family member's illness. But what if something other than the covered reasons happens, like:
-   You simply change your mind
-   An unexpected event for your child or grandchild
-   A work-related obligation
-   Weather concerns (example: not enough snow for the ski trip)
-   Fear of traveling to an area
-   A personal family issue
-   A pet’s illness
-   Etc.
The Cancel for Any Reason benefit will reimburse up to 75% of your trip costs not covered under the regular Plan benefits. To qualify, coverage must be purchased within 21 days of initial trip deposit (or, for residents of AK, IN or WA, prior to or within 24 hours of initial trip deposit); you must insure 100% of trip costs that are subject to cancellation penalties; and the trip must be cancelled at least 2 days prior to the scheduled departure.

The optional Cancel for Any Reason (CFAR) benefit covers you when you cancel for any reason not covered by the Trip Cancellation benefit.

For complete information, see the Description of Coverage.
Up to 75% of non-refundable Trip Cost
(Must be purchased prior to or within 21 days of initial trip payment. AK, IN, WA residents: Must be purchased prior to or within 24 hours of initial trip payment.)

* You must indicate in the Travel Information section of the Enrollment Form the types of pre-paid travel arrangements you are insuring. You should insure 100% of those arrangements that are subject to cancellation penalties or restrictions. Insuring a lesser amount will result in the loss of eligibility for the Pre-Existing Condition Exclusion Waiver, as well as the Cancel For Any Reason option.

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