Benefits and Limits

Benefits

Limits/Values

Trip Cancellation

The plan can reimburse you if cancellation occurs before your scheduled departure because of unforeseen circumstances covered by the plan, such as injury, sickness, death, strike, weather, employment termination or a terrorist act.

See Additional Details

Up to 100% of non-refundable, insured Trip Cost (maximum $120,000) - per plan

Cancel For Any Reason (CFAR) - 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 a covered reason happens, like:

- An unexpected event for your child or grandchild
- A work-related obligation
- Fear of traveling to an area
- You simply change your mind
- 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 48 hours 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.

Up to 75% of non-refundable Trip Cost - per plan (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.

Trip Interruption

The plan can 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.

See Additional Details

Up to 150% of non-refundable, insured Trip Cost - per plan (maximum $180,000)

Travel Delay - Minimum 12 Hours Delay

If your Trip is delayed 12 hours or more due to a covered reason, you can be reimbursed up to the plan maximum for reasonable additional expenses. Covered reasons include sickness, injury, carrier-caused delays, lost or stolen passport/travel documents and weather.

Missed Connection - Minimum 3 Hours Delay

The plan can 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 as a result of the cancellation or delay of your flight for 3 hours or more due to adverse weather.

Baggage Coverage

The plan can reimburse up to the Baggage Coverage maximum for lost, damaged, or stolen baggage, passports, or visas while on your Trip. 

Baggage Delay - Minimum 24 Hours Delay

Travel Protection Plan 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. (You must retain copies of your receipts for reimbursement.) 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.

Reimbursement of Miles and/or Reward Points

In the event you used frequent flyer miles to arrange air transportation for this Trip, and you cancel due to a Covered Event, we will reimburse you for the cost to reinstate your miles to your account, up to the limit.

Accidental Death & Dismemberment - Travel Accident

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.

Medical and Dental - Secondary coverage in all states, except NY.

The plan can reimburse 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 Assistance & Transportation 

Can reimburse for emergency medical evacuation, return air fare for your dependent children, round trip air fare for someone from home to visit while you recover (if you are traveling alone and are hospitalized for more than 7 days), and the cost of returning remains home (in the event of death). All evacuations require advance authorization by our service provider, Generali Global Assistance.

For the FULL list of covered expenses and complete information, see the Description of Coverage.

$500,000 - per person

Visit to Bedside: Included up to $10,000 max.

Return of Dependent Children: Included up to $10,000 max.

24/7 Worldwide Assistance Services (Non-insurance services)

Call any time, from anywhere, to get assistance with changing plans or reservations, finding a doctor, getting in touch with the nearest embassy, general concierge and travel planning services, and more.

For complete information, see the Description of Coverage.