Coverage Highlights

Coverage Highlights

The information below is a brief summary of coverage. Restrictions Apply. Click here for a complete Description of Coverage (DOC).

Trip Cancellation
The plan will reimburse your nonrefundable, pre-paid Trip payments/ deposits, up to the amount insured, if cancellation occurs before your scheduled departure because of unforeseen circumstances covered by the plan, such as Illness, Injury, Sickness, Death, Strike, Weather or a Terrorist Incident.

Missed Connection
The plan will reimburse you up to a maximum of $2,500 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 6 or more hours due to a covered reason.

Trip Interruption
The plan will reimburse (up to 150% of non-refundable trip cost) your nonrefundable, pre-paid and unused Trip payments 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.

Trip Delay
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 carrier-caused delays and weather.

Medical Expense
The plan will pay excess coverage 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.

Emergency Evacuation & Repatriation of Remains
The plan will pay up to the maximum limit of coverage for reasonable charges for Emergency Evacuation, required by the attending Physician due to Injury or Sickness which is acute or life threatening, to the nearest adequate medical facility or home if medically necessary. Coverage also includes the cost of returning the insured’s body home in the event of a death, and roundtrip airfare for a person to visit if you are alone (if hospitalized for at least seven days). All evacuations require advance notification to or authorization by On Call International.

Baggage and Personal Effects/Loss Baggage Delay
The plan will reimburse up to the Baggage & Personal Effects Loss maximum for lost, damaged, or stolen baggage, passports, or visas while on your Trip. The plan will pay up to the Baggage Delay maximum for the incidental purchase of personal effects if baggage is delayed more than 24 hours while you are on your trip. You must retain copies of your receipts for reimbursement.

Accidental Death and Dismemberment
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

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 21 days of your first deposit/payment for the Trip, provided the full Trip Cost at that time is covered, additional coverage is also purchased for all nonrefundable arrangements added to the Trip at a later date, and you are medically able to travel when coverage is purchased.

Non-insurance Services

The following services are included with the National Trust Travel Plan:

On Call International
Includes a full range of assistance services such as arranging emergency medical services/evacuations, medical monitoring, and 24-hour access to travel agents for help with emergency travel arrangements such as rebooking flights and making hotel arrangements.

Includes services such as restaurant referrals/reservations, theater/ concert and sporting event arrangements.

*Non-insurance Services are provided by On Call International.

Optional Cancel For Any Reason (CFAR)
This option is available only if purchased within 21 days of initial payment/ deposit. This benefit will reimburse your pre-paid, nonrefundable Trip payments/deposits up to 75% of Total Trip Cost if your Trip is canceled for any reason not otherwise covered by the plan, provided you purchase CFAR within 21 days of your initial Trip payment/deposit, insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the payment for those arrangements added to your trip, and cancel your Trip two days or more before your scheduled Trip Departure Date.

Not available to residents of NY; call 1-800-937-1387 for other options.

Trade Sanction Notice
Any payments under the policy will only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”). Therefore, any expenses incurred or claims made involving travel that is in violation of such sanctions, laws and regulations will not be covered under the policy.

For more information, you may consult the OFAC internet website at



This website contains highlights of the plan, which includes travel insurance coverages underwritten by United States Fire Insurance Company under form series T210 et. al. and TP-401 et. al. The plan also contains non insurance Travel Assistance Services provided by On Call International. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2019. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Coverages may vary and not all coverage is available in all jurisdictions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may provide general information about the plan offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact USI Insurance Services, LLC d/b/a USI Affinity Travel Insurance Services at 800-937-1387.

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