Compare Our Plans
Review each plan’s limits, coverages, and benefits, then select the best plan for you.
|
more plans
|
more plans
|
|
|
Essentials
|
Premium
|
|
|---|---|---|
| Please Note: Plan benefits, limits, and provisions may vary by state or jurisdiction. All travelers on a plan must reside in the same state. | ||
| Coverage For Your Arrangements – Benefit Limits | ||
| Plan | Essentials | Premium |
| Trip Cancellation | Air Ticket Cost | Air Ticket Cost |
| Trip Interruption | Return Ticket Cost | Return Ticket Cost |
| Travel Delay | $1,000 | $1,500 |
| Required minimum delay time | 6 Hours | 6 Hours |
| Cancel For Any Reason | Not Included | 75% of Non-Refundable Trip Cost |
| Coverage For You – Benefit Limits | ||
| Plan | Essentials | Premium |
| Medical Expense / Emergency Evacuation | ||
| Accident & Sickness Medical Expense | $25,000 | $50,000 |
| Emergency Dental Expense | $500 | $750 |
| Emergency Medical Evacuation, Medical Repatriation and Return of Remains | $100,000 | $100,000 |
| Accidental Death & Dismemberment | ||
| 24 Hour Coverage during Trip | $25,000 | $50,000 |
| Coverage For Your Belongings – Benefit Limits | ||
| Plan | Essentials | Premium |
| Baggage & Personal Effects | $2,000 | $2,500 |
| Baggage Delay | $1,000 | $2,000 |
| Required minimum delay time | 12 Hours | 12 Hours |
| Coverage For Your Travel Arrangements – Benefit Provisions | ||
| Plan | Essentials | Premium |
| Program Cancellation or Interruption Due to: | ||
| Sickness, Injury or Death | ||
| A Pre-Existing Medical Condition | ||
| Required time period for purchase | Within 3 days of initial trip deposit | Within 10 days of initial trip deposit |
| Air Common Carrier Delay/Cancellation: | ||
| Unannounced strike | ||
| Bad weather | ||
| Government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster | ||
| Residence or destination made uninhabitable by fire, flood, or natural disaster | ||
| Workplace rendered unsuitable for business | ||
| Being hijacked, quarantined or jury duty | ||
| Bankruptcy or default of a travel provider | ||
| Required time period for bankruptcy/default | Within 3 days of initial trip deposit | Within 10 days of initial trip deposit |
| A Terrorist Incident | ||
| Felonious assault | ||
| Military personnel called to emergency duty for a national disaster | ||
| Revocation of previously granted military leave | ||
| Documented work reasons | ||
| Program Cancellation reimburses: | ||
| Prepaid, forfeited, non-refundable trip payments or deposits | ||
| Trip Interruption reimburses: | ||
| Additional airfare expense to return home, or to join/rejoin the trip | ||
| Travel Delay Due to: | ||
| Common Carrier Delay | ||
| Lost/stolen passports, travel documents or money. | ||
| Quarantine, hijacking, strike, natural disaster, terrorism or riot | ||
| A documented weather condition preventing you from getting to your point of departure | ||
| Travel Delay reimburses: | ||
| Additional meal and accommodation expenses | ||
| Local transportation expenses | ||
| Cancel For Any Reason Benefit Eligibility: | ||
| Required time period for purchase | Not Applicable | Within 10 days of initial trip deposit |
| Required time period for cancellation | Not Applicable | 2 days or more before scheduled departure |
| Coverage For You – Benefit Provisions | ||
| Plan | Essentials | Premium |
| Accident & Sickness Medical Expense due to: | ||
| Injury or Sickness occurring during the trip | ||
| Pre-Existing Medical Conditions | ||
| Required time period for purchase | Within 3 days of initial Trip Deposit | Within 10 days of initial Trip Deposit |
| Accident & Sickness Medical Expense reimburses: | ||
| On a Primary or Excess Basis | Primary (On trip expenses) | Primary (On trip expenses) |
| Services of a physician; prescribed drugs, and therapeutic services/supplies | ||
|
Emergency dental expenses (subject to a lower limit) |
||
| Hospital services | ||
| Ambulance transportation to and/or from a hospital | ||
| Medical Evacuation due to: | ||
| Acute or life threatening sickness or injury when appropriate care is not available in the immediate area | ||
| Medical Evacuation reimburses: | ||
| Medically required transportation expenses to a Hospital for care and treatment or home | ||
| Transportation expenses to return an unattended dependent home due to a hospitalization | (More than 7 days) |
(More than 7 days) |
| Transportation expenses for a bedside visit when hospitalized | (More than 7 days) |
(More than 7 days) |
| Return of Remains due to: | ||
| Death occurring during a trip | ||
| Transportation and preparation expenses for return of remains home | ||
| Coverage For Your Belongings – Benefit Provisions | ||
| Plan | Essentials | Premium |
| Baggage and Personal Effects due to: | ||
| Loss, theft or damage | ||
| Baggage & Personal Effects reimburses: | ||
| Cost to replace clothing and other personal articles | ||
| Cost to replace lost/stolen passports or visas | ||
| Maximum Sublimit for loss to jewelry, furs, cameras & accessories, computer, digital or electronic or media, etc. | $1,000 | $1,000 |
| Per Article Maximum Limit | $300 | $300 |
| Baggage Delay due to: | ||
| Misdirection by a Common Carrier | ||
| Baggage Delay reimburses: | ||
| The cost of reasonable additional clothing and personal articles purchased during the delay | ||
| 24 Hour Worldwide Assistance Services | ||
| Plan | Essentials | Premium |
| 24 Hour Medical Assistance Services: | ||
| 24 Hour Emergency Medical Hotline | ||
| Medical consultation and monitoring when you are hospitalized | ||
| Coordinate medical evacuation arrangements | ||
| Help with replacing lost/stolen prescriptions | ||
| Help arranging for return of remains | ||
| Nurse Helpline for general health information before and during your trip | ||
| 24 Hour Travel Assistance Services | ||
| Sending emergency messages to friends, family or business associates | ||
| Language interpretation services | ||
| Help with emergency cash transfers | ||
| Passport/Visa, vaccinations, & travel health Information | ||
| Help with replacing lost/stolen tickets or travel documents | ||
| 24 Hour Concierge Services | ||
| Restaurant and shopping recommendations or reservations | ||
| Local transport, reservations, sports, theatre, & event information/ticketing | ||
| Golf course referrals & tee times | ||
| Baggage tracking/assistance | ||
| Assistance with emergency communications | ||
| Assistance with locating available business services | ||
| Telephone or web conference assistance | ||
| Information about weather conditions, travel delays & flight status | ||
| Emergency travel arrangements | ||
|
Essentials
|
Premium
|
|