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CompareBestA+ Program Protection Preferred +
CompareBestMH Ross Platinum
CompareBestTripAssure Complete
CompareBestNationwide Premier
CompareBestUS Fire Platinum
  
CompareBetterA+ Program Protection Preferred
CompareBetterMH Ross Gold
CompareBetterTripAssure Bridge
CompareBetterNationwide Superior
CompareBetterUS Fire Gold
  
CompareGoodMH Ross Silver
CompareGoodTripAssure Asset
CompareGoodNationwide Value
CompareGoodUS Fire Silver

Prices are total for all travelers. Benefits are quoted per person.

Benefit Limits
and
Coverage Features

Please note: plan benefits, limits,
and provisions may vary by
state jurisdiction.

Nationwide
Latitudes
Premier Plan

US Fire
Ez Travel
Platinum Plan

TripAssure
Complete

Nationwide
Latitudes
Superior Plan

US Fire
EZ Travel
Gold Plan

TripAssure
Bridge

Nationwide
Latitudes
Value Plan

US Fire
EZ Travel
Silver Plan

TripAssure
Asset

Coverage For Travel Arrangements

Pre-Departure Trip CancellationTrip CostTrip CostTrip CostTrip CostTrip CostTrip CostTrip CostTrip CostTrip Cost
Post-Departure Trip Interruption200% of Trip Cost150% of Trip Cost200% of Trip Cost up to $50,000150% of Trip Cost150% of Trip Cost150% of Trip Cost up to $50,000Trip CostTrip Cost125% of Trip Cost up to $50,000
Missed Connection$1,000 $2,500 Covered under Trip Interruption$750 $1,500 Covered under Trip Interruption$500 $750 Covered under Trip Interruption
Trip/Travel Delay$1,000 $1,250 $1,000 $750 $1,000 $1,000 $500 $750 $750
Per Day Max Limit for meals & accommodationsNo Daily Sublimit$250 $200 No daily sublimit$200 $200 No Daily Limit$150 $150
Required minimum delay time5 Hours8 hours6 Hours5 Hours8 Hours6 Hours5 Hours8 Hours6 Hours
Cancel For Any Reason75% of Penalty Amount75-100% of Penalty Amount (See Certificate)75% of Non-Refundable Trip CostNot IncludedNot IncludedNot IncludedNot IncludedNot IncludedNot Included

Coverage For You

Medical Expense / Emergency Assistance
Accident & Sickness Medical Expense$100,000 $100,000 $250,000 $50,000 $100,000 $100,000 $15,000 $50,000 $50,000
Emergency Dental Expense$750 $750 Included in Medical$750 $750 Included in Medical$750 $750 Included in Medical
Emergency Medical Evacuation$1,000,000 $500,000 $500,000 $500,000 $250,000 $500,000 $30,000 Included in Med Exp$500,000
Return of RemainsIncludedIncludedIncludedIncludedIncludedIncluded$30,000 Included in Med ExpIncluded
24 Hour Travel Medical Assistance Services
Non-Medical Emergency EvacuationNo$25,000 Not IncludedNo$25,000 Not IncludedNoNoNot Included
Pet Medical Expense (cat or dog)NoNoNot IncludedNoNoNot IncludedNoNoNot Included
Accidental Death & Dismemberment
24 Hour Coverage during trip$25,000 $50,000 $25,000 $25,000 $50,000 $25,000 Not Included$25,000 $25,000
Air Flight Coverage$100,000 $100,000 Additional Option$25,000 $50,000 Additional OptionNot Included$25,000 Additional Option

Coverage For Your Belongings

Baggage and Personal Effects$2,500 $2,500 $2,000 $1,000 $2,000 $2,000 $500 $1,000 $1,500
Baggage Delay$600 $500 $400 $250 $300 $300 $100 $150 $250
Per Day Maximum LimitNo Daily Limit$250 No Daily LimitNo Daily LimitNo Daily LimitNo Daily LimitNo Daily LimitNo Daily Limit
Required minimum delay time12 Hours12 Hours12 Hours12 Hours12 Hours12 Hours12 Hours12 Hours12 Hours

Coverage For Your Activities

Rental Car Damage $35,000 $30,000 $25,000 (additional option)NoNo$25,000 (additional option)NoNo$25,000 (additional option)
Lost Golf RoundsNoNoNoNoNoNoNoNoNo
Required minimum delay timeNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable
Sports CoverageNoNoNoNoNoNoNoNoNo
Sports Equipment RentalNoNoNoNoNoNoNoNoNo
Per Day Maximum LimitNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable
Required minimum time delayNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable
Property Damage LiabilityNoNoNoNoNoNoNoNoNo
Vehicle Breakdown or DisablementNoNoNoNoNoNoNoNoNo
Required minimum delay timeNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable

Coverage For Travel Arrangements

Trip Cancellation or Interruption Due to:
Sickness, Injury or Death
Pre-Existing Medical Condition
Waiver included if purchased within 15 days of initial deposit
Within 14 days of initial trip depositWithin 15 days of initial trip depositWithin 14 days of initial trip depositWithin 15 days of initial trip depositNoWithin 15 days of initial trip deposit
Common Carrier Delay/Cancellation:
Unannounced strike
Mechanical breakdownNoNoNot Included
Bad weather
Residence, destination or workplace made uninhabitable by fire, flood, or natural disaster
Residence
DestinationNo
Workplace
Involuntary termination of employment
Required length of employment3 years continuous employment1 year continuous employment1 year continuous employment3 years continuous employment1 year continuous employment1 year continuous employment3 years continuous employment1 year continuous employment1 year continuous employment
Permanent transfer of employmentNoNoNo
Distance of transfer250 miles or more250 miles or moreNot ApplicableNot Specified250 miles or moreNot ApplicableNot Specified250 miles or moreNot Applicable
Being hijacked, quarantined or jury duty
Death/hospitalization of Host at destination
Traffic accident while en route to departure
Bankruptcy or default of a travel supplierNoNo
Required time for bankruptcy/default coverage to startMore than 14 day following effective dateMore than 14 day following effective dateMore than 14 days after purchaseMore than 14 day following effective dateMore than 14 day following effective dateMore than 14 days after purchaseNot ApplicableNot ApplicableMore than 14 days after purchase
A Terrorist IncidentIf purchased within 14 days of initial trip depositIf purchased within 14 days of initial trip depositNoNo
Documented theft of passports or visasNoNoNo
Military personnel called to emergency duty for a natural disasterNo
Revocation of previously granted military leaveNoNoNo
Documented work reasons100% of Trip CostNo100% of Trip Cost up to $35,000NoNo100% of Trip Cost up to $35,000
Mandatory evacuation due to bad weather or natural disasterNoNoNoNo
A hurricane warning being issued for your trip destinationNoNoNoNoNoNoNo
Your normal pregnancy as long as the pregnancy occurs after your effective dateNoNoNoNoNoNoNo
Attending a Family Member’s childbirth if pregnancy occurs after your effective dateNoNoNoNoNoNoNo
Extension of primary or secondary school year into Your trip dates due to unforeseen eventsNoNoNo
Trip Cancellation reimburses:
Prepaid, forfeited, non-refundable trip payments or deposits
Airline reissue fees or frequent flyer fees due to covered reasonsUp tp $250Up to $150Up to $250Up to $150NoUp to $150
Single Occupancy Upgrade charges incurred when fellow traveler cancels for covered reason
Timeshare exchange Fees, maintenance charges, cancellation or change fees, timeshare points and guest fees imposed by your property management companyNoNoNoNoNoNoNoNoNo
Cancel For Any Reason Benefit added if purchased within 15 days of initial trip depositWithin 14 days of initial trip depositNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable
Cancel For Any Reason requires you to insure total cost of all travel arrangements subject to cancellation penaltiesNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable
Cancel For Any Reason must cancel by:2 days or more before scheduled departure2 days or more before scheduled departure2 days or more before scheduled departureNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable
Trip Interruption reimburses:
Prepaid, unused, non-refundable land or water travel arrangements
Additional airfare expense to return home, or to join/rejoin the trip
Single Occupancy Upgrade charges incurred due to a covered reason
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 the trip
Reasonable accommodations and meal expenses
Unused portion of the prepaid expenses for covered travel arrangements
Trip or Travel Delay Due to:
Sickness or injury
Common Carrier Delay
Involvement in traffic accident en route to departure
Lost/stolen passports, travel documents or money, civil commotion or riot.
Quarantine, hijacking, strike, natural disaster, civil commotion or riot
A documented weather condition preventing you from getting to the point of departure
A documented road closure by authoritiesNoNoNo
Trip/Travel Delay reimburses:
Additional meal and accommodation expenses
Local transportation expenses
Airline club expenses$50 $50 NoNo$50 NoNo$50 No
Internet usage fees$25 $25 NoNo$25 NoNo$25 No
Kennel fees for Your cat or dog$25/day$25/dayNo$25/dayNo$25/day
Itinerary Change made by your cruise/tour supplierNoNoNoNoNoNo
Itinerary Change reimburses prepaid, forfeited, non-refundable event/activity paymentsNoUp to $250Not ApplicableNoUp to $250Not ApplicableNoUp to $250Not Applicable

Coverage For You

Accident & Sickness Medical Expense due to:
Injury or Sickness occurring during the trip
Pre-Existing Medical Condition Waiver added if purchased within 15 days of initial depositWithin 14 days of initial trip depositWithin 14 days of initial trip depositNo
Accident & Sickness Medical Expense reimburses:
On a Primary or Excess BasisPrimary- on trip expensesPrimary- on trip expensesPrimary- on trip expensesPrimary- on trip expensesPrimary- on trip expensesPrimary- on trip expensesPrimary- on trip expensesPrimary- on trip expensesPrimary- on trip expenses
Services of a physician; prescribed drugs, prosthetics and therapeutic services/supplies
Emergency dental expenses$750 limit$750 limit$750 limit
Hospital services
Ambulance transportation to and/or from a hospital
Medical Evacuation due to:
Injury or Sickness when appropriate care, treatment or facilities are not available locally
Medical Evacuation reimburses:
Medically required transportation expenses to a Hospital for care and treatment or home
Transportation expenses to return an unattended dependent home due to a hospitalization(More than 7 days)(More than 7 days)No(More than 7 days)(More than 7 days)No(More than 7 days)(More than 7 days)No
Transportation expenses for a bedside visit when hospitalized(More than 7 days)(More than 7 days)No(More than 7 days)(More than 7 days)No(More than 7 days)(More than 7 days)No
Return of Remains due to death occuring during a trip
Return of Remains reimburses transportation and preparation expenses for return of remains home
Non-Medical Emergency Evacuation due to natural disaster, civil, military, or political unrestNot IncludedNoNot IncludedNoNot IncludedNo
Non-Medical Emergency Evacuation for being expelled or declared a person non-grata by a countryNot IncludedNoNot IncludedNoNot IncludedNo
Non-Medical Emergency Evacuation reimburses transportation expenses to the nearest place of safety or to your homeNot IncludedNoNot IncludedNoNot IncludedNo

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 visasNo
Maximum Sublimit for loss to jewelry, furs, cameras & accessories, etc.$500 $600 $600 $500 $600 $600 $500 $600 $600
Per Article Maximum Limit$300 $300 $300 $300 $300 $300 $300 $300 $300
Baggage Delay due to:
Misdirection by a Common Carrier
Baggage Delay reimburses cost of necessary personal items purchased during the delay

Coverage For Your Activities

Property Damage Reimburses:
Accidents occuring during occupancy of your lodgingNoNoNoNoNoNoNoNoNo
Vehicle Breakdown or Disablement Reimburses:
Due to collision or mechanical breakdown that prevents continued driving of your covered vehicle or a rental car you rent on your tripNoNoNoNoNoNoNoNoNo
Sports Coverage Reimburses:
For Trip Cancellation or Interruption: reimburses costs of unused, non-refundable payments arranged separately from the vacation for pre-paid lift tickets or green fees (as applicable), equipment rentals and lessonspre-paid non-refundable expenses up to benefit limitsUnused non-refundable prepaid payments or deposits up to benefit limitsNopre-paid non-refundable expenses up to benefit limitsUnused non-refundable prepaid payments or deposits up to benefit limitsNopre-paid non-refundable expenses up to benefit limitsUnused non-refundable prepaid payments or deposits up to benefit limitsNo
Lost Golf Rounds Reimburses:
Up to the maximum amount shown in the Schedule of Benefits if your round is delayed more than 3 hours on the day of play, for the pro-rata value of your prepaid golf tickets or greens fees for each lost day of golfNoNoNoNoNoNoNoNoNo

Additional Services Included

24 Hour Worldwide Assistance Services
24 Hour Emergency Medical Hotline
Medical consultation and monitoring when you are hospitalized
Coordinate medical evacuation arrangements
Help with replacing lost/stolen prescriptions
Help arranging for return of remains
Nurse Helpline for general health information before and during your trip
24 Hour Travel Assistance Services
Sending emergency messages to friends, family or business associates
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 communicationsNoNoNo
Assistance with locating available business servicesNoNoNo
Telephone or web conference assistanceNoNoNo
Information about weather conditions, travel delays & flight statusNoNoNo
Emergency travel arrangementsNoNoNo
UnderwriterNationwideUS FireGeneraliNationwideUS FireGeneraliNationwideUS FireGenerali

Optional Benefits Available

Air Flight Accidental Death & Dismemberment Covers You while riding as a passenger on or boarding or alighting from a regularly scheduled airline flight
Additional Cost$10 $10 $10
Coverage Limits$100,000 $100,000 $100,000
Rental Car Damage (Collision Damage Waiver)
Covers loss or damage to a rental car due to collision, fire, theft, windstorm, vandalism, hail, flood or other causes not within Your control while the car is in Your possession
Additional Cost$7 per day$7 per day$7 per day
Coverage Limit$35,000 $35,000 $35,000
Primary Coverage

How we rate the plans

Best plans provide the highest benefit limits and the most extensive coverage of all plans. All of the best plans include a Cancel For Any Reason or similar benefit and may also include additional coverage such as rental car damage or pet medical. For persons wanting the most extensive coverage and willing to pay a few dollars more, a best plan will be the right choice.
Better plans provide higher benefit limits and substantially more coverage than good plans. Better plans provide a good combination of coverage and price, and fit the needs of most travelers.
Good plans have lower limits and more restrictive coverage than better or best plans. For example, some good plans may not cover pre-existing medical conditions or may not cover as many circumstances for trip interruption or cancellation. If you're looking for basic protection at an economical price, a good plan can be the right choice.
Special plans feature benefits and special coverage for specific trip types or trip activities. These special features give you coverage for unique risks and help make these special vacations more worry free.