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| Compare | Best | A+ Program Protection Preferred + |
| Compare | Best | MH Ross Platinum |
| Compare | Best | TripAssure Complete |
| Compare | Best | Nationwide Premier |
| Compare | Best | US Fire Platinum |
| Compare | Better | A+ Program Protection Preferred |
| Compare | Better | MH Ross Gold |
| Compare | Better | TripAssure Bridge |
| Compare | Better | Nationwide Superior |
| Compare | Better | US Fire Gold |
| Compare | Good | MH Ross Silver |
| Compare | Good | TripAssure Asset |
| Compare | Good | Nationwide Value |
| Compare | Good | US Fire Silver |
Benefit Limits | TripAssure | TripAssure | TripAssure | TripAssure | TripAssure | TripAssure | TripAssure | TripAssure | TripAssure | TripAssure | Nationwide | US Fire | A+ Program | MH Ross | TripAssure | Nationwide | US Fire | A+ Program | MH Ross | TripAssure | Nationwide | US Fire | MH Ross | TripAssure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Coverage For Travel Arrangements | ||||||||||||||||||||||||
| Pre-Departure Trip Cancellation | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost |
| Post-Departure Trip Interruption | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 200% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 200% of Trip Cost | 200% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | Trip Cost | 150% of Trip Cost | 150% of Trip Cost | Trip Cost | Trip Cost | Trip Cost | 125% of Trip Cost |
| Missed Connection | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,000 | $2,500 | $750 | $1,500 | $1,500 | $750 | $1,500 | $500 | $1,000 | $1,500 | $500 | $750 | $500 | $1,000 |
| Trip/Travel Delay | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,250 | $750 | $1,500 | $1,000 | $750 | $1,000 | $500 | $1,000 | $1,000 | $500 | $750 | $500 | $750 |
| Per Day Max Limit for meals & accommodations | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | No Daily Sublimit | $250 | $150 | Not Applicable | $200 | No daily sublimit | $200 | $100 | Not Applicable | $200 | No Daily Limit | $150 | Not Applicable | $150 |
| Required minimum delay time | 6 Hours | 6 Hours | 6 Hours | 6 Hours | 6 Hours | 6 Hours | 6 Hours | 6 Hours | 6 Hours | 6 Hours | 5 Hours | 8 hours | 8 Hours | 5 Hours | 6 Hours | 5 Hours | 8 Hours | 8 Hours | 5 Hours | 6 Hours | 5 Hours | 8 Hours | 5 Hours | 6 Hours |
| Cancel For Any Reason | 75% of Non-Refundable Trip Cost | 75% of Non-Refundable Trip Cost | 75% of Non-Refundable Trip Cost | 75% of Non-Refundable Trip Cost | 75% of Non-Refundable Trip Cost | Not Included | Not Included | Not Included | Not Included | Not Included | 75% of Penalty Amount | 75-100% of Penalty Amount (See Certificate) | 75% to 100% of Non-Refundable Trip Cost | 75% of Non-Refundable Trip Cost | 75% of Non-Refundable Trip Cost | 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 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $50,000 | $100,000 | $250,000 | $50,000 | $100,000 | $25,000 | $100,000 | $100,000 | $15,000 | $25,000 | $25,000 | $50,000 |
| Emergency Dental Expense | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 | $750 |
| Emergency Medical Evacuation | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $1,000,000 | $500,000 | $500,000 | $1,000,000 | $500,000 | $500,000 | $250,000 | $100,000 | $1,000,000 | $500,000 | $30,000 | Included | $50,000 | $500,000 |
| Return of Remains | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | $1,000,000 | Included | Included | $500,000 | Included | Included | $30,000 | Included | ||||||
| 24 Hour Travel Medical Assistance Services (A non-insurance service) | ||||||||||||||||||||||||
| Non-Medical Emergency Evacuation | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | No | $25,000 | $25,000 | Not Included | $25,000 | No | $25,000 | $25,000 | Not Included | $25,000 | No | No | Not Included | $25,000 |
| 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 | No | No | No | $1000 w/$50 deductible | Not Included | No | No | No | Not Included | Not Included | No | No | Not Included | Not Included |
| Life Insurance | ||||||||||||||||||||||||
| 24 Hour Coverage during trip | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $50,000 | No | $25,000 | $25,000 | $25,000 | $50,000 | No | $25,000 | $25,000 | Not Included | $25,000 | Not Included | $25,000 |
| Air Flight Coverage | Additional Option | Additional Option | Additional Option | Additional Option | Additional Option | Additional Option | Additional Option | Additional Option | Additional Option | Additional Option | $100,000 | $100,000 | Additional Option | Not Included | Additional Option | $50,000 | Additional Option | Not Included | Additional Option | Not Included | $25,000 | Not Included | Additional Option | |
Coverage For Your Belongings | ||||||||||||||||||||||||
| Baggage & Personal Effects | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,500 | $2,500 | $1,500 | $2,500 | $2,000 | $1,000 | $2,000 | $1,000 | $2,500 | $2,000 | $500 | $1,000 | $1,000 | $1,500 |
| Baggage Delay | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $600 | $500 | $250 | $500 | $400 | $250 | $300 | $100 | $500 | $400 | $100 | $150 | $100 | $250 |
| Per Day Maximum Limit | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | No Daily Limit | $250 | Not Specified | No Daily Limit | $200 | No Daily Limit | $150 | Not Specified | Not Applicable | $200 | No Daily Limit | No Daily Limit | No Daily Limit | No Daily Limit |
| 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 | 12 Hours | 12 Hours | 12 Hours | 12 Hours | 12 Hours | 12 Hours |
Coverage For Your Activities | ||||||||||||||||||||||||
| Rental Car Damage | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | $35,000 | $30,000 | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | No | No | $35,000 (additional option) | $35,000 (additional option) | $35,000 (additional option) | No | No | $35,000 (additional option) | $35,000 (additional option) |
| Lost Golf Rounds | No | $1,000 | No | No | No | No | $1,000 | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No |
| Required minimum delay time | Not Applicable | 3 Hour | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 3 Hour | 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 Coverage | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | No | Additional Option | No | No | Additional Option | No | Additional Option | No | No | Additional Option | No | Additional Option | No | Additional Option |
| Sports Equipment Rental | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | No | Additional Option | $1,000 (additional option) | No | Additional Option | No | Additional Option | $1,000 (additional option) | No | Additional Option | No | Additional Option | No | Additional Option |
| Per Day Maximum Limit | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | Not Applicable | Not Applicable | $200 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | $200 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Required minimum time delay | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | 12 hours | Not Applicable | Not Applicable | 12 hours | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 12 hours | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Property Damage Liability | No | No | $5,000 | $5,000 | $5,000 | No | No | $5,000 | $5,000 | $5,000 | No | No | No | No | No | No | No | No | No | No | No | No | No | No |
| Vehicle Breakdown or Disablement | No | No | $750 | $750 | No | No | No | $750 | $750 | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No |
| Required minimum delay time | Not Applicable | Not Applicable | 6 hours | 6 hours | Not Applicable | Not Applicable | Not Applicable | 6 hours | 6 hours | 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 | ||||||||||||||||||||||||
| Pre-Existing Medical Condition Waiver included if medically able to travel at the time the plan is purchased and within the specified time period of initial deposit | Within 14 days of initial trip deposit and requires you to insure total cost of all travel arrangements subject to cancellation penalties | Within 15 days of initial trip deposit | With or before final payment for your trip | Within 14 days of initial trip deposit and requires you to insure total cost of all travel arrangements subject to cancellation penalties | Within 15 days of initial trip deposit | With or before final payment for your trip | No | Within 15 days of initial trip deposit | No | |||||||||||||||
| Common Carrier Delay/Cancellation: | ||||||||||||||||||||||||
| Unannounced strike | ||||||||||||||||||||||||
| Mechanical breakdown | Not Included | Not Included | Not Included | |||||||||||||||||||||
| Bad weather | ||||||||||||||||||||||||
| Residence, destination or workplace made uninhabitable by fire, flood, or natural disaster | ||||||||||||||||||||||||
| Residence | ||||||||||||||||||||||||
| Destination | No | No | ||||||||||||||||||||||
| Workplace | If responsible for decision making and part of disaster recovery team | No | No | No | No | |||||||||||||||||||
| 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 | 3 years continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 3 years continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 3 years 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 | Not Specified | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | Not Specified | 250 miles or more | 250 miles or more | 250 miles or more | Not Specified | 250 miles or more |
| Being hijacked, quarantined or jury duty | ||||||||||||||||||||||||
| Death/hospitalization of Host at destination | No | No | ||||||||||||||||||||||
| Traffic accident while en route to departure | ||||||||||||||||||||||||
| Bankruptcy or default of a travel supplier | No | No | No | |||||||||||||||||||||
| Required time for bankruptcy/default coverage to start | More than 14days after purchase | More than 14days after purchase | More than 14days after purchase | More than 14days after purchase | More than 14days after purchase | More than 14days after purchase | More than 14days after purchase | More than 14days after purchase | More than 14days after purchase | More than 14days after purchase | More than 14 day following effective date | More than 14 day following effective date | More than 14days after purchase | More than 14 days after purchase | More than 14days after purchase | More than 14 day following effective date | More than 14 day following effective date | More than 14days after purchase | More than 14 days after purchase | More than 14days after purchase | Not Applicable | Not Applicable | Not Applicable | More than 14days after purchase |
| A Terrorist Incident | If within 14 days of initial trip deposit | No | No | No | ||||||||||||||||||||
| Documented theft of passports or visas | No | No | No | No | No | No | ||||||||||||||||||
| Military personnel called to emergency duty for a natural disaster | No | No | ||||||||||||||||||||||
| Revocation of previously granted military leave | No | (reasons other than war) | No | No | No | |||||||||||||||||||
| Documented work reasons | No | No | No | No | No | No | No | |||||||||||||||||
| Mandatory evacuation due to bad weather or natural disaster | No | No | No | No | No | No | No | No | No | |||||||||||||||
| A hurricane warning being issued for your trip destination | No | No | No | No | No | No | No | |||||||||||||||||
| Your normal pregnancy as long as the pregnancy occurs after your effective date | No | No | No | No | No | No | No | No | No | |||||||||||||||
| Attending a Family Member’s childbirth if pregnancy occurs after your effective date | No | No | No | No | No | No | No | No | No | |||||||||||||||
| Extension of primary or secondary school year into Your trip dates due to unforeseen events | No | No | No | No | No | No | ||||||||||||||||||
| Trip Cancellation reimburses: | ||||||||||||||||||||||||
| Prepaid, forfeited, non-refundable trip payments or deposits | ||||||||||||||||||||||||
| Airline reissue fees or frequent flyer fees due to covered reasons | Up to $150 | Up to $150 | Up to $150 | Up to $150 | Up to $150 | Up to $150 | Up to $150 | Up to $150 | Up to $150 | Up to $150 | Up tp $250 | Up to $150 | No | Up to $500 | Up to $150 | Up to $200 | Up to $150 | No | Up to $250 | Up to $150 | No | Up to $150 | No | Up 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 company | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | ||
| Cancel For Any Reason Benefit added if purchased within the specified time period of initial deposit | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Within 14 days of initial trip deposit | Within 15 days of initial trip deposit | Bought with or before your final payment for your trip | Not Applicable | Not Applicable | No | No | Not Applicable | Not Applicable | Not Applicable | No | Not Applicable | ||
| Cancel For Any Reason requires you to insure total cost of all travel arrangements subject to cancellation penalties | 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 | |||||
| Cancel For Any Reason must cancel by: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 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 Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not 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 | No | No | No | |||||||||||||||||||||
| Missed Connection Due to: | ||||||||||||||||||||||||
| Any Common Carrier caused delay | ||||||||||||||||||||||||
| Quarantine, hijacking, Strike, natural disaster, terrorism or riot | No | No | No | |||||||||||||||||||||
| 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 | Delayed 8 hours or more | Delayed 8 hours or more | ||||||||||||||||||||||
| Unused portion of the prepaid expenses for covered travel arrangements | ||||||||||||||||||||||||
| Trip or Travel Delay Due to: | ||||||||||||||||||||||||
| Sickness or injury | No | No | No | |||||||||||||||||||||
| 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 authorities | No | No | ||||||||||||||||||||||
| Trip/Travel Delay reimburses: | ||||||||||||||||||||||||
| Additional meal and accommodation expenses | ||||||||||||||||||||||||
| Local transportation expenses | ||||||||||||||||||||||||
| Airline club expenses | $50 | $50 | $50 | $50 | $50 | $50 | $50 | $50 | $50 | $50 | No | $50 | No | $50 | $50 | No | $50 | No | No | $50 | No | $50 | No | $50 |
| Internet usage fees | $25 | $25 | $25 | $25 | $25 | $25 | $25 | $25 | $25 | $25 | No | $25 | No | $25 | $25 | No | $25 | No | No | $25 | No | $25 | No | $25 |
| Kennel fees for Your cat or dog | $25/day | $25/day | $25/day | $25/day | $25/day | $25/day | $25/day | $25/day | $25/day | $25/day | No | $25/day | No | $25 Per Day | $25/day | No | $25/day | No | No | $25/day | No | $25/day | No | $25/day |
| Itinerary Change made by your cruise/tour supplier | No | No | No | No | No | No | No | No | ||||||||||||||||
| Itinerary Change reimburses prepaid, forfeited, non-refundable event/activity payments | Up to $250 | Up to $250 | Up to $250 | Up to $250 | Up to $250 | Up to $250 | Up to $250 | Up to $250 | Up to $250 | Up to $250 | No | Up to $250 | No | No | Up to $250 | No | Up to $250 | No | No | Up to $250 | No | Up to $250 | No | Up to $250 |
Coverage For You | ||||||||||||||||||||||||
| Accident & Sickness Medical Expense due to: | ||||||||||||||||||||||||
| Injury or Sickness occurring during the trip | ||||||||||||||||||||||||
| Pre-Existing Medical Condition Waiver included if medically able to travel at the time the plan is purchased and within the specified time period of initial deposit | Within 14 days of initial trip deposit and requires you to insure total cost of all travel arrangements subject to cancellation penalties | Within 15 days of initial trip deposit | Bought with or before your final payment for your trip | Within 14 days of initial trip deposit and requires you to insure total cost of all travel arrangements subject to cancellation penalties | Within 15 days of initial trip deposit | Bought with or before your final payment for your trip | No | Within 15 days of initial trip deposit | No | |||||||||||||||
| Accident & Sickness Medical Expense reimburses: | ||||||||||||||||||||||||
| On a Primary or Excess Basis | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses |
| Services of a physician; prescribed drugs, and therapeutic services/supplies | ||||||||||||||||||||||||
| Emergency dental expenses | $750 limit | $750 limit | $750 limit | $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) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) |
| Transportation expenses for a bedside visit when hospitalized | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) |
| 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 unrest | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||||||||||||||
| Non-Medical Emergency Evacuation for being expelled or declared a person non-grata by a country | Not Included | Not Included | Not Included | Not Included | Not Included | Not Included | ||||||||||||||||||
| Non-Medical Emergency Evacuation reimburses transportation expenses to the nearest place of safety or to your home | 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 | $600 | $600 | $600 | $600 | $600 | $500 | $600 | $600 | $500 | $600 | $500 | $600 | $600 | $500 | $600 | $500 | $600 | $500 | $600 |
| Per Article Maximum Limit | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $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 lodging | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | ||||||
| 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 trip | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | ||||
| 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 lessons | Up to benefit limits | Up to benefit limits | Up to benefit limits | Up to benefit limits | Up to benefit limits | Up to benefit limits | Up to benefit limits | Up to benefit limits | Up to benefit limits | Up to benefit limits | No | Unused non-refundable prepaid payments or deposits up to benefit limits | Optional | No | Optional | No | Unused non-refundable prepaid payments or deposits up to benefit limits | Optional | No | Optional | No | Unused non-refundable prepaid payments or deposits up to benefit limits | No | Optional |
| 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 golf | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | ||
| Underwriter | Arch | Arch | Arch | Arch | Arch | Arch | Arch | Arch | Arch | Arch | Nationwide | US Fire | US Fire | Nationwide | Arch | Nationwide | US Fire | US Fire | Nationwide | Arch | Nationwide | US Fire | Nationwide | Arch |
Additional Non-Insurance 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 communications | ||||||||||||||||||||||||
| Assistance with locating available business services | ||||||||||||||||||||||||
| Telephone or web conference assistance | ||||||||||||||||||||||||
| Information about weather conditions, travel delays & flight status | ||||||||||||||||||||||||
| Emergency travel arrangements | ||||||||||||||||||||||||
Optional Benefits Available | ||||||||||||||||||||||||
| Air Flight Life Insurance - Covers You while riding as a passenger on or boarding or alighting from a regularly scheduled airline flight | ||||||||||||||||||||||||
| Additional Cost | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | $10, $25, $50 | ||||||
| Coverage Limits | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | $100,000, $250,000, & $500,000 Available | ||||||
| Sports Upgrade Pac | ||||||||||||||||||||||||
| Additional Cost | $25 | Included | $25 | $25 | Included | $25 | Included | $25 | $25 | Included | $25 | N/A | $25 | $25 | N/A | $25 | N/A | $25 | ||||||
| Maximum Benefit Limit | $1,000 | See Plan | $1,000 | $1,000 | See plan | $1,000 | See Plan | $1,000 | $1,000 | See Plan | $1,000 | N/A | $1,000 | $1,000 | N/A | $1,000 | N/A | $1,000 | ||||||
| For Baggage Delay: expenses for rental of sporting equipment | No | No | No | |||||||||||||||||||||
| For Trip Cancellation or Interruption: non-refundable cost of pre-paid lift tickets, greens fees, equipment rentals and lessons | No | No | No | |||||||||||||||||||||
| 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 | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | $7 per day | ||||||
| Coverage Limit | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 | ||||||
| Primary Coverage | ||||||||||||||||||||||||
| Extended Personal Property Pac | ||||||||||||||||||||||||
| Covers personal computers and their accessories, professional or occupational equipment or property and telephones | ||||||||||||||||||||||||
| Additional Cost | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | $15 | ||||||
| Coverage Limit | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | ||||||
| Deductible | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 | $100 |
