Trip Protection Insurance

Trip Protection plans typically reimburse your non-refundable travel expenses if an unexpected crises
(e.g., death, sickness, airline strike, travel company bankruptcy, among other crises) occurs before or during your trip causing it to be canceled, interrupted or delayed. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

Compare plan benefits
Plan NameEssential Travel Insurance PlanTravel BasicPreferred Travel Insurance Plan
CompanyRoamRightTravelex Insurance ServicesRoamRight
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UnderwriterArch Insurance CompanyStonebridge Casualty Insurance Company – AM Best Rating A- (Excellent)Arch Insurance Company
Available ToUS ResidentsUS ResidentsUS Residents
Coverage AreaWorldwideWorldwideWorldwide
Individual Pricing*from $11from $68from $15
Family Pricing**from $102
Trip Investment Coverage
Plan NameEssential Travel Insurance PlanTravel BasicPreferred Travel Insurance Plan
Trip CancellationUp to Trip Cost100% of Trip CostUp to Trip Cost
Trip Interruption100% of Trip Cost100% of Trip Cost150% of Trip Cost.
Trip Interruption – $0.00
Trip Cost Insured $750 Return Air Only
Trip Delay(12 hours) $500 ($100/day)$500 Per Person – if delayed 5 hours or more(6 hours) $1,000 ($200/day)
TerrorismIf within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.Trip Cancellation or Interruption due to a Terrorist Event is not coveredIf within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
Supplier Bankruptcy/DefaultNo Coverage Provided, See Policy DetailsCoverage begins 14 days after policy effective date.No Coverage Provided, See Policy Details
Hurricane/WeatherMandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.This coverage applies if the insurance is purchased within 15 calendar days of the initial trip payment or deposit
14 day waiting period
Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
Labor StrikeStrike that causes complete cessation of services for at least 24 consecutive hours.Unforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hoursStrike that causes complete cessation of services for at least 24 consecutive hours.
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Health Coverage
Plan NameEssential Travel Insurance PlanTravel BasicPreferred Travel Insurance Plan
Medical Expenses$15,000 – Emergency Accident and Sickness Medical Expense$15,000 Sickness Expenses and $15,000 Accident Expenses – Primary Coverage$50,000 – Emergency Accident and Sickness Medical Expense
Deductible$50 deductible$50 Deductible$50 Deductible
CoinsuranceNoneNoneNone
Emergency Evacuation$150.000 – Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains$100,000 Per Person$500,000 – Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains
Emergency Dental$500 – Dental SublimitUp to $750 – accidental injury to sound natural teeth$750 – Dental Sublimit
Sports & Hazardous ActivitiesNo Exclusions for Hazardous Sporting Activities.Bodily contact sports, hazardous sports and participation as a professional in athletics excluded. Exclusion does not apply to trip cancellation. See plan detailsNo Exclusions for Hazardous Sporting Activities.
Pre-existing ConditionsFourteen Day Free Look (not applicable to NY and WA; residents of IN 30 days) – IncludedNo Coverage – Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions.Fourteen Day Free Look – Included
Repatriation of RemainsIncluded in Emergency EvacuationIncluded in Emergency EvacuationIncluded in Emergency Evacuation
Emergency ReunionNo Coverage Provided, See Policy DetailsNo coverageNo Coverage Provided
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Property Coverage
Plan NameEssential Travel Insurance PlanTravel BasicPreferred Travel Insurance Plan
Lost BaggageBaggage and Personal Effects $750 Per Article Limit $250 Combined Articles Limit $500 Deductible $50$500 per person / $300 per articleBaggage and Personal Effects $1,000 Per Article Limit $250 Combined Articles Limit $500
Baggage Delay(24 hours) $200$100 if baggage is delayed or misdirected for more than 12 hours(12 hours) $300
Rental Car ProtectionOptional Benefits Available $25,000Transportation Pak upgrade available – as confirmed on your confirmation of coverage letterRenters Collision Insurance
Coverage $50,000
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Accidental Death Coverage
Plan NameEssential Travel Insurance PlanTravel BasicPreferred Travel Insurance Plan
Accidental Death & DismembermentOptional Benefits Available Accidental Death & Dismemberment – Air Only UpgradeNo coverage$10,000
Flight AccidentNo CoverageUpgrade available in Optional Transportation Pak $200,000 – as confirmed on your confirmation of coverage letterNo Coverage
Common Carrier Accident(Air Only) $25,000No coverage(Air Only) Coverage $50,000 – Up to 75% of nonrefundable
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Additional Plan Features
Plan NameEssential Travel Insurance PlanTravel BasicPreferred Travel Insurance Plan
24-Hour Emergency Assistance24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service and Political Evacuation ServiceIncluded24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service and Political Evacuation Service
Special FeaturesAvailable Upgrades
Medical and Evacuation Coverage Upgrade Accidental Death and Dismemberment – Air Only Upgrade Rental Car Collision Insurance Upgrade (Not Available to Residents of Texas)
Children under 18 are covered at no additional cost. Children must be related to the primary insured.
Exclusions for Pre-Existing Conditions do not apply to Non Traveling Family Members
Available Upgrades
Medical and Evacuation Coverage Upgrade Accidental Death and Dismemberment Upgrade Accidental Death and Dismemberment – Air Only Upgrade Cancel for Any Reason Upgrade Cancel for Work Reason Upgrade Rental Car Collision Insurance Upgrade (Not Available to Residents of Texas) Baggage and Personal Effects (Including Sports Equipment) Delayed, Lost, Stolen or Damaged – Upgrade
Length Of CoverageMaximum Trip Length 180 days30 daysMaximum Trip Length 180 days
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TRAVEL MEDICAL INSURANCE

Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country.

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TRIP PROTECTION INSURANCE

Trip Protection Insurance reimburses your travel expenses if an unexpected crisis (e.g. sickness, airline strike etc) occurs before or during your trip causing it to be cancelled, interrupted or delayed.

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When accidents happen

Imagine if you have become seriously ill, or had a car accident whilst traveling, would you be covered for treatment in the country? Would you have the support of an emergency assistant team to make sure you get the best treatment? Travel Insurance provides you with this.

When it gets really serious

Then imagine if you had to be repatriated? The cost of chartering a medivac flight, medical support in flight can run hundreds of thousands of dollars. Travel Insurance will keep you covered.

When plans change

1 week into your trip a hurricane wipes out your destination, perhaps a family member becomes ill, will you have to bear the burden of the cost of cancelling your trip? Travel Insurance can cover you.