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Benefit Limits | US Fire | US Fire | US Fire | US Fire | US Fire | IMG | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | IMG | US Fire | US Fire | US Fire | US Fire | US Fire | IMG |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Coverage For Travel Arrangements | |||||||||||||||||||
| Pre-Departure Trip Cancellation | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Not Included | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost |
| Post-Departure Trip Interruption | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 150% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 150% of Trip Cost | Up to 100% of Trip Cost | Up to 100% of Trip Cost | Up to 125% of Trip Cost |
| Missed Connection | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $500 | $750 | $750 | $750 | $750 | $750 | $125/day up to $500 |
| Trip/Travel Delay | $250/day up to $2,500 | $250/day up to $2,500 | $250/day up to $2,500 | $250/day up to $2,500 | $250/day up to $2,500 | $250/day up to $2,500 | $200/day up to $2,000 | $200/day up to $2,000 | $200/day up to $2,000 | $200/day up to $2,000 | $200/day up to $2,000 | $200/day up to $2,000 | $125/day up to $2,000 | $150/day up to $750 | $150/day up to $750 | $150/day up to $750 | $150/day up to $750 | $150/day up to $750 | $125/day up to $500 |
| Per Day Max Limit for meals & accommodations | $250 | $250 | $250 | $250 | $250 | $250 | $200 | $200 | $200 | $200 | $200 | $200 | $125 | $150 | $150 | $150 | $150 | $150 | $125 |
| Required minimum delay time | 8 hours | 8 hours | 8 hours | 8 hours | 8 hours | 6 hours | 8 hours | 8 hours | 8 hours | 8 hours | 8 hours | 8 hours | 12 hours | 8 hours | 8 hours | 8 hours | 8 hours | 8 hours | 12 hours |
| Cancel For Any Reason | 75% of Trip Cost Included at no additional cost | 75% of Trip Cost Included at no additional cost | 75% of Trip Cost Included at no additional cost | 75% of Trip Cost Included at no additional cost | Up to 100% of Trip Cost Included at no additional cost | 75% of Trip Cost Optional - Additional cost | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Trip Interruption For Any Reason | 75% of Trip Cost Included at no additional cost | 75% of Trip Cost Included at no additional cost | 75% of Trip Cost Included at no additional cost Must interrupt 48+ hours after departure | 75% of Trip Cost Included at no additional cost | Not Available in Washington | 75% of Trip Cost Optional - Additional cost | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
Coverage For You | |||||||||||||||||||
| Medical Expense / Emergency Assistance | |||||||||||||||||||
| Accident & Sickness Medical Expense | $150,000 | $150,000 | $150,000 | $150,000 | $150,000 | $500,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $250,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $100,000 |
| Emergency Dental Expense | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $750 | $750 | $750 | $750 | $750 | $750 | $1,000 | $750 | $750 | $750 | $750 | $750 | $1,000 |
| Emergency Medical Evacuation & Return of Remains | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $1,000,000 | $250,000 | $250,000 | $250,000 | $250,000 | $250,000 | $250,000 | $500,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $500,000 |
| 24 Hour Travel Medical Assistance Services (A non-insurance service - The cost of the plan includes travel protection and a fee for non-insurance services. You may obtain information on the pricing of the plan payment and assistance services by emailing [email protected].) | |||||||||||||||||||
| Non-Medical Emergency Evacuation | |||||||||||||||||||
| Search and Rescue | $10,000 | $10,000 | Not Included | $10,000 | Not Included | $10,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Political or Security Evacuation | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Natural Disaster Evacuation | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Pet Medical Expense (cat or dog) | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Accidental Death & Dismemberment | |||||||||||||||||||
| 24 Hour Coverage during trip | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | Not Included | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | Not Included | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | Not Included |
| Air Flight Accident | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | $25,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
Coverage For Your Belongings | |||||||||||||||||||
| Baggage & Personal Effects | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $1,500 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $750 |
| Baggage Delay | up to $250 Per Day, to a Maximum of $500 up to $50 to Expedite the Return | up to $250 Per Day, to a Maximum of $500 | up to $250 Per Day, to a Maximum of $500 up to $50 to Expedite the Return | up to $250 Per Day, to a Maximum of $500 up to $50 to Expedite the Return | up to $250 Per Day, to a Maximum of $500 | $500 | up to $150 Per Day, to a Maximum of $300 up to $50 to Expedite the Return | up to $150 Per Day, to a Maximum of $300 | up to $150 Per Day, to a Maximum of $300 up to $50 to Expedite the Return | up to $150 Per Day, to a Maximum of $300 up to $50 to Expedite the Return | up to $150 Per Day, to a Maximum of $300 | up to $150 Per Day, to a Maximum of $300 up to $50 to Expedite the Return | $250 | up to $150 up to $50 to Expedite the Return | up to $150 | up to $150 up to $50 to Expedite the Return | up to $150 | up to $150 up to $50 to Expedite the Return | $150 |
| Per Day Maximum Limit | $250 | $250 | $250 | $250 | $250 | N/A - not applicable for baggage delay | $150 | $150 | $150 | $150 | $150 | $150 | N/A - not applicable for baggage delay | No Daily Limit | No Daily Limit | No Daily Limit | No Daily Limit | No Daily Limit | N/A - not applicable for baggage delay |
| Required minimum delay time | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 24 hours |
Coverage For Your Activities | |||||||||||||||||||
| Rental Car Damage | $40,000 | $40,000 | $40,000 | $40,000 | $40,000 | $40,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | $40,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Lost Golf Rounds | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Required minimum delay time | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Sports Equipment Coverage | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Sports Equipment Rental | Not Included | Not Included | Not Included | Not Included | Not Included | $500/day up to $2,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Per Day Maximum Limit | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 500 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Required minimum time delay | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Property Damage Liability | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Vehicle Breakdown or Disablement | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Required minimum time delay | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Coverage Features | |||||||||||||||||||
Coverage for Travel Arrangements | |||||||||||||||||||
| Trip Cancellation or Interruption Due to: | |||||||||||||||||||
| Sickness, Injury or Death | |||||||||||||||||||
| Sickness, injury or death of Child Caregiver | Within 21 days of initial trip deposit (Time Sensitive) | Within 20 days of initial trip deposit (Time Sensitive) | Within 21 days of initial trip deposit (Time Sensitive) | Within 21 days of initial trip deposit (Time Sensitive) | Not a separate covered reason (included in Sickness/Injury) | None | Within 21 days of initial trip deposit (Time Sensitive) | Within 20 days of initial trip deposit (Time Sensitive) | Within 21 days of initial trip deposit (Time Sensitive) | Within 21 days of initial trip deposit (Time Sensitive) | Not a separate covered reason | Not Included | None | Within 21 days of initial trip deposit (Time Sensitive) | Within 20 days of initial trip deposit (Time Sensitive) | Within 21 days of initial trip deposit (Time Sensitive) | (Includes Child Caregiver - unlike WA Platinum/Gold) | Within 21 days of initial trip deposit (Time Sensitive) | None |
| Pre-Existing Medical Condition Waiver included if medically able to travel at time of purchase and within specified time period | Within 21 days of initial trip deposit (Time Sensitive) | Within 20 days of initial trip deposit (Time Sensitive) | Within 21 days of initial trip deposit Does not include medication dosage changes | Within 21 days of initial trip deposit | Within 21 days of initial trip deposit Does not include medication dosage changes | Within 20 days of initial trip deposit (Time Sensitive) | Within 21 days of initial trip deposit (Time Sensitive) | Within 20 days of initial trip deposit (Time Sensitive) | Within 21 days of initial trip deposit No medication change provision | Within 21 days of initial trip deposit (Time Sensitive) | Within 21 days of initial trip deposit No medication change provision | Within 21 days of initial trip deposit (Time Sensitive) | Within 20 days of initial trip deposit | Within 21 days of initial trip deposit | Within 20 days of initial trip deposit | Within 21 days of initial trip deposit No medication change provision | Within 21 days of initial trip deposit | Within 21 days of initial trip deposit | Within 20 days of initial trip deposit |
| Mental, Nervous or Psychological condition requiring hospitalization | If hospitalized while plan is in effect | If hospitalized or partially hospitalized for 5+ days before scheduled trip | If hospitalized while plan is in effect | If hospitalized while plan is in effect | Not Included | None | 5+ days before trip | If hospitalized or partially hospitalized for 5+ days before scheduled trip | 5+ days before trip | 5+ days before trip | Not Included | Not Included | None | 5+ days before trip | If hospitalized or partially hospitalized for 5+ days before scheduled trip | 5+ days before trip | 5+ days before trip | If hospitalized | None |
| Common Carrier Delay/Cancellation: | |||||||||||||||||||
| Unannounced strike | |||||||||||||||||||
| Mechanical breakdown | |||||||||||||||||||
| Bad weather | |||||||||||||||||||
| Residence, destination or workplace made uninhabitable: | |||||||||||||||||||
| Residence | If purchased within 20 days of trip deposit | If purchased within 20 days of trip deposit | If purchased within 20 days of trip deposit | ||||||||||||||||
| Destination | If purchased within 20 days of trip deposit | If purchased within 20 days of trip deposit | If purchased within 20 days of trip deposit | ||||||||||||||||
| Workplace | If purchased within 20 days of trip deposit | If purchased within 20 days of trip deposit | If purchased within 20 days of trip deposit | ||||||||||||||||
| Involuntary termination of employment | |||||||||||||||||||
| Required length of employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment |
| Permanent transfer of employment | |||||||||||||||||||
| Distance of transfer | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more |
| Being hijacked, quarantined or jury duty | Not Included | Not Included | Not Included | Not Included | |||||||||||||||
| Death/hospitalization of Host at destination | |||||||||||||||||||
| Traffic accident while en route to departure | |||||||||||||||||||
| Bankruptcy or default of a travel supplier | (Time Sensitive) | (Time Sensitive) | (Time Sensitive) | (Time Sensitive) | (Time Sensitive) | (Time Sensitive) | (Time Sensitive) | (Time Sensitive) | (Time Sensitive) | (Time Sensitive) | (Time Sensitive) | ||||||||
| Required time for bankruptcy/default coverage to start | More than 14 days after effective date | More than 30 days after effective date | More than 14 days after effective date | More than 14 days after effective date | More than 14 days after effective date | More than 30 days after effective date | More than 14 days after effective date | More than 30 days after effective date | More than 14 days after effective date | More than 14 days after effective date | More than 14 days after effective date | More than 14 days after effective date | More than 30 days after effective date | Not Included | More than 30 days after effective date | Not Included | Not Included | Not Included | More than 30 days after effective date |
| Terrorist attack in a city listed on itinerary | Not Included | ||||||||||||||||||
| Required timeframe | Within 30 days of departure | Within 30 days of departure, within 30 miles of city on itinerary | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure, within 30 miles of city on itinerary | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure, within 30 miles of city on itinerary | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure | Within 30 days of departure |
| Documented theft of passports or visas | |||||||||||||||||||
| Victim of Felonious Assault within 10 days prior to departure | None | None | Not Included | Not Included | Not Included | Not Included | Not Included | None | |||||||||||
| Military personnel called to emergency duty | (Includes emergency aid for Epidemic) | (Includes emergency aid for Epidemic) | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||||||||
| Revocation of previously granted military leave | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||||||||||
| Documented work reasons | |||||||||||||||||||
| Required to work during merger/acquisition | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | |||||||||||||
| Mandatory evacuation due to weather or natural disaster | If purchased within 20 days of trip deposit | If purchased within 20 days of trip deposit | Not Included | Not Included | Not Included | Not Included | Not Included | If purchased within 20 days of trip deposit | |||||||||||
| Hurricane warning at destination | (24 hours before departure) | (24 hours before departure) | Not Included | 24 hours before scheduled departure (Time Sensitive) | Not Included | Not Included | Not Included | ||||||||||||
| Cancellation of scheduled event due to weather | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | |||||||
| Closure of 75% of resort facilities (ski resort) | If occurs after effective date | If occurs after effective date | If occurs after effective date | If occurs after effective date | If occurs after effective date | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||
| Normal pregnancy | Not Included | Not Included | If occurs after effective date | Not Included | Not Included | Not Included | If occurs after effective date | If occurs after effective date | If occurs after effective date | If occurs after effective date | If occurs after effective date | Not Included | If occurs after effective date | ||||||
| Legal adoption of Child | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||||||
| Attending Family Member's childbirth | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||
| Extension of school year into trip dates | Not Included | Not Included | Not Included | Not Included | |||||||||||||||
| Child required to participate in sporting event | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||||||
| Required academic examination | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||
| Legal separation/divorce | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||||||
| Hunting/fishing activity restriction | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||||||
| Passport/visa denial | Not Included | Not Included | |||||||||||||||||
| Pet/Service Animal illness, injury or death | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||||||
| Trip Cancellation reimburses: | |||||||||||||||||||
| Prepaid, forfeited, non-refundable trip payments or deposits | |||||||||||||||||||
| Airline reissue fees or frequent flyer fees due to covered reasons | Reissue Fee $150 / Frequent Flyer $150 | Reissue Fee $150 / Frequent Flyer $150 | Reissue Fee $150 / Frequent Flyer $150 | Reissue Fee $150 / Frequent Flyer $150 | Reissue Fee $150 / Frequent Flyer $150 | Change Fee $300 / Frequent Flyer Reward Fee $75 | Reissue Fee $100 / Frequent Flyer $100 | Reissue Fee $100 / Frequent Flyer $100 | Reissue Fee $100 / Frequent Flyer $100 | Reissue Fee $100 / Frequent Flyer $100 | Reissue Fee $100 / Frequent Flyer $100 | Reissue Fee $100 / Frequent Flyer $100 | Change Fee $150 / Frequent Flyer Reward Fee $75 | Reissue Fee $100 / Frequent Flyer $100 | Reissue Fee $100 / Frequent Flyer $100 | Reissue Fee $100 / Frequent Flyer $100 | Reissue Fee $100 / Frequent Flyer $100 | Reissue Fee $100 / Frequent Flyer $100 | Not Included |
| Single Occupancy Upgrade charges | |||||||||||||||||||
| Cancel For Any Reason Benefit added if purchased within the specified time period of initial deposit | Within 21 days of initial trip deposit Included at no additional cost | Within 20 days of initial trip deposit Included at no additional cost | Within 21 days of initial trip deposit Included at no additional cost | Within 21 days of initial trip deposit Included at no additional cost | Within 15 days of initial trip deposit Included at no additional cost | Within 20 days of initial trip deposit Optional - Additional cost | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available |
| Cancel For Any Reason requires you to insure total cost of all travel arrangements subject to cancellation penalties | Not Required | Not Required | Not Required | Not Required | Not Required | Required | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available |
| Cancel For Any Reason must cancel by: | 2 days or more before scheduled departure | 2 days or more before scheduled departure | 2 days or more before scheduled departure | 2 days or more before scheduled departure | 2 days or more before scheduled departure | 2 days or more before scheduled departure | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available |
| Trip Interruption reimburses: | |||||||||||||||||||
| Prepaid, unused, non-refundable land or water travel arrangements | |||||||||||||||||||
| Additional airfare expense to return home | |||||||||||||||||||
| Single Occupancy Upgrade charges | |||||||||||||||||||
| Trip Interruption For Any Reason | 75% of Trip Cost Included at no additional cost | 75% of Trip Cost Included at no additional cost | 75% of Trip Cost Included at no additional cost | 75% of Trip Cost Included at no additional cost | Not Available in Washington | 75% of non-refundable insured Trip Cost Optional - Additional cost | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Purchase Timeframe | Within 21 days of initial trip deposit Included at no additional cost (Time Sensitive) | Within 21 days of initial trip deposit Included at no additional cost (Time Sensitive) | Within 21 days of initial trip deposit Included at no additional cost (Time Sensitive) | Within 21 days of initial trip deposit Included at no additional cost (Time Sensitive) | Not Available | Must be purchased within 20 days of initial trip deposit | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available |
| Additional Requirements | Must interrupt at least 48 hours after scheduled departure | Must interrupt at least 48 hours after scheduled departure | Must interrupt at least 48 hours after scheduled departure | Must interrupt at least 48 hours after scheduled departure | Must interrupt trip more than 48 hours after departure date. Must insure the full cost of additional travel arrangements within 20 days of booking | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | Not Available | |
| Missed Connection Due to: | |||||||||||||||||||
| Any Common Carrier caused delay | |||||||||||||||||||
| Quarantine, hijacking, Strike, natural disaster, terrorism or riot | |||||||||||||||||||
| Documented weather condition preventing you from getting to the point of departure | |||||||||||||||||||
| Missed Connection reimburses: | |||||||||||||||||||
| Additional transportation cost to join trip | |||||||||||||||||||
| Reasonable accommodations and meal expenses | |||||||||||||||||||
| Unused portion of prepaid expenses | |||||||||||||||||||
| Trip or Travel Delay Due to: | |||||||||||||||||||
| Sickness or injury | |||||||||||||||||||
| Common Carrier Delay | |||||||||||||||||||
| Involvement in traffic accident en route to departure | |||||||||||||||||||
| Lost/stolen passports, documents or money | |||||||||||||||||||
| Quarantine, hijacking, strike, natural disaster, civil disorder | |||||||||||||||||||
| Documented weather condition preventing you from getting to the point of departure | |||||||||||||||||||
| Documented road closure | |||||||||||||||||||
| Trip/Travel Delay reimburses: | |||||||||||||||||||
| Additional meal and accommodation expenses | |||||||||||||||||||
| Local transportation expenses | |||||||||||||||||||
| Airline club expenses | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Internet usage fees | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | $50 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Movie Rental | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | $25 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Kennel fees for Your cat or dog | Not Included | Not Included | Not Included | Not Included | Not Included | $500 ($100 per day) | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | $300 ($100 per day) | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Itinerary Change made by your cruise/tour supplier | $250 | $250 | Not Included | $250 | Not Included | Not Included | $250 | $250 | Not Included | $250 | Not Included | $250 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Itinerary Change reimburses prepaid, forfeited, non-refundable event/activity payments | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | |||||||
Coverage For You | |||||||||||||||||||
| Accident & Sickness Medical Expense due to: | |||||||||||||||||||
| Injury or Sickness occurring during the trip | |||||||||||||||||||
| Pre-Existing Medical Condition Coverage | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver | With Waiver |
| Accident & Sickness Medical Expense reimburses: | |||||||||||||||||||
| On a Primary or Excess Basis | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary | Primary |
| Services of a physician; prescribed drugs, and therapeutic services/supplies | |||||||||||||||||||
| Medical bill review companies | |||||||||||||||||||
| Hospital services | |||||||||||||||||||
| Traveling Companion Bedside Companion Daily | $250/day up to $1,000 | $250/day up to $1,000 | $250/day up to $1,000 | $250/day up to $1,000 | $250/day up to $1,000 | $200/day up to $1,000 | $200/day up to $1,000 | $200/day up to $1,000 | $200/day up to $1,000 | $200/day up to $1,000 | $200/day up to $1,000 | $200/day up to $1,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Medical Evacuation due to: | |||||||||||||||||||
| Injury or Sickness when appropriate care not available locally | |||||||||||||||||||
| Medical Evacuation reimburses: | |||||||||||||||||||
| Medically required transportation expenses to Hospital for care/treatment or home | |||||||||||||||||||
| Transportation expenses to return dependents home | |||||||||||||||||||
| Transportation expenses for bedside visit when hospitalized | If more than 7 days | If more than 7 days | If more than 7 days | If more than 7 days | If more than 7 days | If more than 3 days | If more than 7 days | If more than 7 days | If more than 7 days | If more than 7 days | If more than 7 days | If more than 7 days | If more than 3 days | If more than 7 days | If more than 7 days | If more than 7 days | If more than 7 days | If more than 7 days | If more than 3 days |
| Non-Medical Emergency Evacuation | |||||||||||||||||||
| Search and Rescue | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Political or Security Evacuation | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
| Natural Disaster Evacuation | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included |
Coverage For Your Belongings | |||||||||||||||||||
| 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, etc. | $600 | $600 | $600 | $600 | $600 | $250 | $600 | $600 | $600 | $600 | $600 | $600 | $250 | $600 | $600 | $600 | $600 | $600 | $250 |
| Per Article Maximum Limit | $300 | $300 | $300 | $300 | $300 | $250 | $300 | $300 | $300 | $300 | $300 | $300 | $250 | $300 | $300 | $300 | $300 | $300 | $250 |
| Baggage Delay due to: | |||||||||||||||||||
| Misdirection by a Common Carrier | |||||||||||||||||||
| Baggage Delay reimburses cost of necessary personal items purchased during the delay | |||||||||||||||||||
| Trip Length Limitation | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days | 180 days |
| Underwriter | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire | US Fire |
Additional Non-Insurance Services | |||||||||||||||||||
| 24 Hour Worldwide Assistance Services | |||||||||||||||||||
| 24 Hour Emergency Medical Hotline | |||||||||||||||||||
| Medical consultation and monitoring when hospitalized | |||||||||||||||||||
| Coordinate medical evacuation arrangements | |||||||||||||||||||
| Help with replacing lost/stolen prescriptions | |||||||||||||||||||
| Help arranging for return of remains | |||||||||||||||||||
| Nurse Helpline | |||||||||||||||||||
| 24 Hour Travel Assistance Services | |||||||||||||||||||
| Sending emergency messages | |||||||||||||||||||
| 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 |
Travel insurance is a great way to give you peace of mind when you travel – both in the United States and abroad.
With many different travel insurance providers and a vast number of travel insurance plans to choose from including flight insurance, cruise insurance and travel health insurance, it can be confusing to find the right travel insurance policy. At TripInsurance, we make it easy to find a travel insurance plan that works for your specific needs and circumstances.
With our travel insurance comparison tool, you can compare plans, including their features and prices, to find a plan that best fits your insurance coverage needs – at the lowest cost!
Travel insurance also known as trip insurance provides coverage when you travel in the US or abroad, and offsets all or some of the financial risks associated with travelling, such as unexpected medical expenses, accidents, lost or stolen baggage, and any trip delays or interruptions.
Unless you’re going on a short trip within the US that doesn’t require a non-refundable deposit, you probably need trip insurance. Trip insurance is a way to protect the financial investment in your trip and make sure you have adequate coverage if an unexpected medical issue or a travel-related issue on your trip. Just a single issue on your trip can cost you thousands of dollars, which makes travel insurance well worth the cost.
Getting travel insurance is especially important if you or a family member has a higher risk of a medical issue that could lead you to cancel or interrupt your trip. Some destinations and activities also come with a higher risk of injury, illness, natural disasters, and political unrest. Your unique circumstances and the type of trip will help you decide what travel insurance coverage works for you.
Whether you’re travelling for a change in scenery, adventure, relaxation, or something else, travel insurance lets you enjoy your trip rather than worrying about what could go wrong.
Travel insurance is often sold as a package, a comprehensive plan that offers a combination of coverage. Sometimes, insurance companies allow you to put together a custom travel insurance policy.
With so many travel insurance features to choose from, what is the best way to go about comparing travel insurance plans?
When comparing travel insurance, you’ll need to keep in mind what your specific needs are, your destination and type of trip, and weighing the risks you’re willing to take with your travel insurance budget. You should also check whether you have existing travel insurance coverage, maybe on your credit card or through your health insurance plan, and what is covered under those existing plans.
Travel arrangements coverage can include all aspects of travelling from cancellations before your departure to delays and interruptions while travelling to your destination.
Trip cancellation insurance reimburses you for any pre-paid, non-refundable expenses if you have to cancel your trip due to illness or death or natural disasters. If your tour operator or cruise line goes out of business, trip cancellation would be able to cover the deposit or other pre-paid expenses in connection with your vacation.
Trip interruption coverage can reimburse you for the non-refundable, unused portion of your trip if it gets interrupted. Trip interruptions can happen due to an emergency evacuation after a natural disaster, political unrest, yours or a family member’s medical issue. Travel delay coverage pays for any expenses in connection with a delay or missed connection, such as hotel rooms and meals.
Tips for Comparing Trip Cancellation Coverage:
Medical travel insurance covers emergency medical expenses if you fall ill or get into an accident while you’re on your trip. Emergency dental, emergency medical evacuation (transport to the nearest hospital), and medical repatriation (transportation to your home). Even if you have health insurance, your existing insurance might not give adequate medical coverage on your trip. Another benefit of buying medical travel insurance is that you typically don’t have to pay deductibles.
Accidental death and dismemberment coverage is similar to life insurance and pays a lump sum to your family or other beneficiaries if you die in an accident during your trip. Some policies will also pay out a sum if you become disabled as a result of an accident during your trip. Other insurance plans only apply to accidental death in the plane – remember to check the details of the insurance plans you’re considering.
Major medical insurance is coverage if you will be away on your trip for several months or more and need medical care while you’re away. Check with your health insurance to see how you’re covered for international travel, the limits, deductions, co-payments, and other conditions that may apply that affect the overall costs.
Tips for Comparing Medical Coverage:
Some travel insurance plans cover damage to your rental car, your hotel room or other accommodation, and accidents and damages in connection with any sports activities.
For younger or active travellers, activity coverage is an excellent option to ensure you have the right coverage for all the fun things you plan to do on your trip. Not only does sports coverage cover medical expenses if you get injured while taking part in organized sporting events and adventure sports such as skydiving, but your sports equipment is typically also covered. Depending on the specific activities you’re planning to do, check the insurance coverage.
Tips for Comparing Activity Coverage:
Travel insurance coverage for baggage and personal belongings will reimburse you if your baggage is damaged, stolen, or lost during your trip. Some policies also cover expenses in connection with a baggage delay, but there is often a minimum delay time required before this type of coverage applies.
Tips for Comparing Baggage Coverage:
Many travel insurance plans offer additional services that can make a big difference in your travel insurance experience. Before you buy travel insurance for your next trip, check that the travel insurance company offers 24-hour travel assistance for issues during your trip.
24-hour assistance is especially important for international travel where the time difference might make it difficult to get in touch with the insurance company during regular office hours. The 24-hour travel insurance might include services such as help with replacing lost prescription medicine, coordinating care in a medical emergency, language interpretation services, and help with replacing passports and other travel documents.
Some travel insurance plans also include concierge services that can help connect you with local experiences and services such as providing restaurant recommendations, book tickets and make reservations for local entertainment or sporting events, and other assistance services.
Tips for Comparing Additional Coverage:
Comparing travel insurance plans is, of course, the key to finding good travel insurance, but don’t forget to consider the travel insurance company itself.
You want to make sure you choose a travel insurance company that is reputable and has great customer service, a good track record for handling claims, and can help you before, during, and after your trip.
To find an insurance provider you can trust, look for reviews and accreditations to gauge how the travel insurance company stacks up.
Tips for Comparing Travel Insurance Companies:
Buying travel insurance shouldn’t be an afterthought to your travel planning. Finding the best insurance plan for your trip depends on your specific trip and circumstances. It is worth it to spend some time researching and comparing the different trip insurance plan options, so you can travel confidently, knowing you are prepared for any unexpected issue. Travel Insurance is the best way to protect the financial investment in your trip.
It’s best to start looking for travel insurance sooner rather than later. The best time to buy travel insurance is right after making the first deposit for your trip.
TripInsurance makes it easy to compare the many different travel insurance plans and details of plan features. We have done the legwork on researching travel insurance plans to save you both time and money. This way, you can find the best plan at the best price that matches your specific travel insurance needs.
TripInsurance is there to help you both before, during, and after your trip!