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Benefits |
Limits/Maximums |
Trip Cancellation
Will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your
Covered Trip due to any of the Unforeseen Events listed in the Plan Document occurring on or after the Effective Date of the Policy.
(See Plan Document for full details.)
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100% of Trip Cost |
Cancel for Any Reason (CFAR) (optional upgrade)
If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:
(a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and (b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and (c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.
This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.
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75% of Trip Cost |
Trip Interruption
Will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen Events listed in the Plan Document occurring on or after the Effective Date of the Policy. (See Plan Document for full details.)
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125% of Trip Cost |
Trip Delay (6 hrs.)
Will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For the Trip Cancellation and Trip Interruption benefits occurring on or after the Effective Date of the Policy. (See Plan Document for full details.)
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$1,000 ($150/day) |
Missed Connection (3 hrs.)
Will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:
(a) additional transportation expenses needed for You to join the departed Covered Trip;
(b) reasonable accommodations and meal expenses; and
(c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip (See Plan Document for full details.)
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$750 |
Airline Ticket Change Fee
Will pay the amount shown on the Schedule of Benefits if You have to change the dates of Your airline ticket for the
following reasons and the airline charges You a penalty or change fee:
(a) Any Unforeseen Event occurring on or after the Effective Date of the Policy listed under the Trip Cancellation and Trip
Interruption benefits;
(b) You or Your Traveling Companion are delayed by Inclement Weather while en route to a departure provided You or
Your Traveling Companion were scheduled to arrive at the point of departure at least the number of hours shown on
the Schedule of Benefits before the scheduled time of departure; or
(c) Your medical emergency or that of a Traveling Companion or a Family Member. The medical emergency requires a
documented examination by a Physician.
(See Plan Document for full details.)
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$200 |
Baggage/Personal Effects Loss
Will pay You up to the maximum shown on the Schedule of Benefits, for loss, theft or damage to Baggage and
personal effects, provided that You, Your Traveling Companion or Your Family Member has taken all reasonable measures
to protect, save and/or recover the property at all times. The Baggage and personal effects must be owned by and
accompany You during the Covered Trip. Original receipts and a police report from the local jurisdiction (in the event of
theft) must be provided for reimbursement. You have checked Your Baggage with a Common Carrier and delivery is
delayed, coverage for Baggage will be extended until the Common Carrier delivers the property. (See Plan Document for full details.)
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$1,500 ($250 per article, $500 combined) |
Baggage Delay (12 hrs.)
Will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the Schedule of
Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for at least the number of hours shown
on the Schedule of Benefits, while on a Covered Trip, except for return travel to Your primary residence.
(See Plan Document for full details.)
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$500 |
Emergency Medical Expense
Will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits, subject to
the Deductible, if You incur necessary Covered Expenses while on your Covered Trip and as a result of an Accidental
Injury or Emergency Sickness that first manifests itself during the Covered Trip.
Covered Expenses for this benefit include but are not limited to:
(a) the services of a Physician;
(b) charges for Hospital confinement and use of operating rooms;
(c) Hospital or ambulatory medical-surgical center services (this may also include expenses for a cruise ship cabin or
Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital
room for recovery from an Emergency Sickness);
(d) charges for anesthetics (including administration);
(e) x-ray examinations or treatments, and laboratory tests;
(f) ambulance service;
(g) drugs, medicines, prosthetics and therapeutic services and supplies; and
(h) emergency dental treatment for the relief of pain.
(See Plan Document for full details.)
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$150,000 |
Emergency Medical Evacuation
Will pay, subject to the limitations set out herein, for covered Emergency Medical Evacuation expenses reasonably
incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.
(See Plan Document for full details.)
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$250,000 |
Repatriation of Remains
We will pay the reasonable Covered Expenses incurred to return Your body to Your place of permanent residence if You
die due to Accidental Injury or a Covered Sickness during the Covered Trip. No payment will exceed the maximum shown
on the Schedule of Benefits. (See Plan Document for full details.)
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$250,000 |
Accidental Death & Dismemberment
Will pay a percentage of the Principal Sum listed in the Schedule of Benefits when You, as a result of an Accidental
Injury occurring during the Covered Trip, sustain a loss shown in the Table of Losses in the Plan Document. The loss must occur within
365 days after the date of the Accident causing the loss. (See Plan Document for full details.)
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$25,000 |
Pre-Existing Condition Coverage
The exclusion for Pre-Existing Conditions is waived if: a) the Policy is purchased within 14 days of Your initial trip deposit; b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and c) You are not disabled in a way that prevents you from travelling at the time You pay the premium. (See Plan Document for full details.)
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Yes, if purchased within 14 days of initial trip deposit |
24-hour Emergency & Concierge Travel Assistance
This non-insurance benefit may include:
• Arrangements for last-minute flight and hotel changes
• Luggage Locator (reporting/tracking of lost, stolen or delayed baggage)
• Hotel finder and reservations
• Airport transportation
• Rental car reservations and automobile return
• Coordination of travel for visitors to bedside
• Return travel for dependent/minor children
• Assistance locating the nearest embassy or consulate
• Cash transfers
• Assistance with bail bonds
• Destination guides (hotels, restaurants, etc.)
• Weather updates and advisories
• Passport requirements
• Currency exchange
• Health and safety advisories
• Assistance with lost travel documents or passports
• Live email and phone messaging to family and friends
• Emergency message relay service
• Multilingual translation and interpretation services
• Medical case management, consultation and monitoring
• Medical Transportation
• Dispatch of a doctor or specialist
• Referrals to local medical and dental service providers
• Worldwide medical information, up-to-the-minute travel medical advisories, and immunization requirements
• Prescription drug replacement
• Replacement of eyeglasses, contact lenses and dental appliances
• Emergency evacuation arrangements
• Repatriation of mortal remains arrangements
• Emergency medical and dental assistance
• Emergency legal assistance
• Emergency medical payment assistance
• Emergency family travel arrangements (See Plan Document for full details.)
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Included |