Coverage Highlights
The examples below illustrate various situations travelers may encounter, and how Travel Protection Plan benefits can help. For further details of each benefit, please review the Benefits and Limits, and/or read the Description of Coverage (DOC) for your state of residence. Terms, conditions, and exclusions apply.
Trip Cancellation
What if you suffer an injury just before your trip and cannot go? Or, perhaps you are already on an overseas trip when you learn of the passing of a family member, and you need to return home urgently.
The Trip Cancellation and Trip Interruption coverages may reimburse you for the unused, non-refundable pre-paid portion of a trip, as well as the expenses of new or changed air tickets to return home if your travel plans change due to a Covered Reason, which can include: Injury, Sickness, Death, Strike, Weather, Job Termination, and Terrorist Acts.
Additionally, this plan includes 24-hour, collect-call access to 24/7 Worldwide Assistance Services to coordinate any emergency travel arrangements.
NOTE: Trip Cancellation and Trip Interruption benefits are not eligible for coverage if the reason for cancellation is due to a pre-existing medical condition. However, the Pre-Existing Medical Condition Exclusion will be waived when the plan is purchased within 21 days from initial trip deposit.* With this waiver, cancellations due to a chronic condition which becomes acute and/or causes you to change treatment within the 90 days prior to the effective date of the Travel Protection Plan would be covered. This provision extends to you, your spouse, parents, children, and siblings.
*For residents of AK, IN and WA, the plan must be purchased prior to or within 24 hours of final trip payment in order to have the Pre-Existing Condition Exclusion waived, and the lookback period is 180 days prior to the Plan effective date, instead of 90 days.
Travel Delay
Perhaps your flight to join a cruise was cancelled due to inclement weather, and you arrive a day late to find that the ship has already sailed.
The plan’s Missed Connection benefit 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 your flight is delayed 3 hours or more due to adverse weather. Additionally, the Travel Delay benefit of up to $250/day can reimburse you for meals and hotels if you are delayed for more than 12 hours.
Medical Emergency
You develop severe abdominal pain and fever while on a remote expedition. It turns out to be appendicitis and you may need surgery before you are able to return home.
Since few medical insurance policies or Medicare offer coverage outside the U.S., you may encounter unexpected bills if a medical emergency strikes on your trip.
The Travel Protection Plan’s $50,000 Medical Expense benefit can cover you for medical and emergency dental expenses incurred during your trip. If you need to be transported to a medical facility out of the area or transported home for care, the plan provides $500,000 in coverage for Emergency Assistance & Transportation. This plan includes 24-hour, worldwide, collect-call access to Generali Global Assistance to identify local qualified doctors who speak your language and to coordinate emergency travel arrangements as needed.
Cancel For Any Reason
Your grandchild's sports team has advanced to the state championship and you do not want to miss the big game, but it does not qualify as a Covered Reason to cancel your trip.
The plan’s Cancel For Any Reason benefit can reimburse up to 75% of your trip costs not covered under the regular Plan benefits — even if you simply change your mind.
To qualify, coverage must be purchased within 21 days 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. (Not available to residents of NY.)
* AK, IN, WA residents: Must be purchased prior to or within 24 hours of initial trip payment.
Baggage Coverage
You arrive at your starting point for a Private Expedition to discover your luggage is missing and you have unexpected expenses to replace clothes and essentials until it is found. Or, perhaps your passport is lost or stolen while you are abroad.
The Travel Protection Plan’s Baggage Coverage benefit covers loss or damage to your personal effects and can reimburse your purchase of necessities if your baggage is misdirected or lost for more than 24 hours. This plan also includes support from Generali Global Assistance* for emergency replacement of lost or stolen passports, visas, or other travel documents.
* This assistance is a non-insurance service.
This website provides a brief description of coverage provided under Master Policy number TMP1000100 and is subject to the terms, conditions, limitations and exclusions of the plan. Please see the plan documents for details. Coverage may vary by state.
Insurance benefits are underwritten by Generali U.S. Branch. Travel assistance services are not insurance and are not provided by Generali U.S. Branch.
Neither National Geographic Society nor National Geographic Partners LLC is an insurer, and neither has any liability for any coverage amounts.
Documents and descriptions posted on this website are effective for purchases made on or after January 7, 2021.