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Review each plan’s limits, coverages, and benefits, then select the best plan for you.

 
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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 Assistance    
Accident & Sickness Medical Expense $25,000 $50,000
Emergency Dental Expense $500 $750
Emergency Medical Evacuation &
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
Trip 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, destination or workplace made uninhabitable by fire, flood, or natural disaster    
Residence
Destination
Workplace
Being hijacked, quarantined or jury duty
Bankruptcy or default of a travel supplier
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 natural disaster
Revocation of previously granted military leave
Documented work reasons
Trip 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
Trip or Travel Delay Due to:    
Common Carrier Delay
Lost/stolen passports, travel documents or money.
Quarantine, hijacking, strike, natural disaster, terrorism or riot
A documented road closure by authorities
Trip/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
Hospital services
Ambulance transportation to and/or from a hospital
Medical Evacuation due to:    
Injury or Sickness when appropriate care, treatment or facilities are not available locally
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
Return of Remains reimburses:    
Transportation and preparation expenses for return of remains home
Coverage For Your Belongings – Benefit Provisions
Plan Essentials Premium
Baggage & Personal Effects loss or damage 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:    
Cost of necessary personal items 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
24 Hour Business Assistance Services    
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