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Benefit Limits and Coverage Features Please note: plan benefits, limits, and provisions may vary by state jurisdiction.	TripAssure Challenger +	TripAssure Golf Pro +	TripAssure Lodging Pro +	TripAssure Point Protector +	TripAssure Ski Mogul +	TripAssure Challenger	TripAssure Golf Pro	TripAssure Lodging Pro	TripAssure Point Protector	TripAssure Ski Mogul	Nationwide Latitudes Premier Plan	US Fire Ez Travel Platinum Plan	A+ Program Protection Preferred +	MH Ross Platinum	TripAssure Complete	Nationwide Latitudes Superior Plan	US Fire EZ Travel Gold Plan	A+ Program Protection Preferred	MH Ross Gold	TripAssure Bridge	Nationwide Latitudes Value Plan	US Fire EZ Travel Silver Plan	MH Ross Silver	TripAssure Asset

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 & Return of Remains	$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
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	$1000 with $50 deductible	No	No	$1000 w/$50 deductible	Not Included	No	No	No	Not Included	Not Included	No	No	Not Included	Not Included
Accidental Death & Dismemberment
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 Accident	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	Included	$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 attack in a city listed on your itinerary within 30 days of your scheduled departure date											If purchased within 14 days of initial trip deposit					If purchased 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
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

How we rate the plans

Best plans have broadest coverage & Cancel For Any Reason...

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 give higher limits & substantially more coverage...

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...

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.

How to Compare Travel Insurance Plans

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!

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What is Travel Insurance?

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.

Compare The Best Travel Insurance Features

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 – Trip Cancellation, Travel Interruptions & Delays

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:

Compare the conditions of when the insurance companies cover cancellations, delays and interruptions. Some companies cover cancellations if there has been a recent terrorist attack or an outbreak of a disease at your destination, but others don’t.
Some insurance companies offer all-encompassing trip cancellation policies at an extra cost, so you can cancel for any reason and still get imbursed. You will often need to buy this extra coverage within a certain time period after making the initial trip deposit.
Note that trip cancellation insurance is different from cancellation waivers sometimes offered by cruise or tour operators, which are much more limited in their coverage.
Compare the maximum daily limits and trip costs that can be reimbursed in the policies.

Medical Insurance

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:

If relevant for you, check to see if the policy covers pre-existing conditions. Also, note that death due to a pre-existing medical condition is usually not covered by accidental death and dismemberment coverage.
Note that Medicare and Medicaid do not provide coverage outside the US
Check coverage and limits for big-ticket medical expenses such as medical emergency evacuation.
Look for a plan where the insurance provider makes payments directly to the hospital or medical service provider, so you don’t have to foot a large medical bill.
If you are planning on taking part in any sport and adventure activities, such as skydiving, skiing, or an organized sporting event, check to see if you need additional medical travel insurance coverage.
If you’re bringing pets on your trip, consider buying a plan that covers pet medical expenses.

Activity 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:

Check whether your car insurance covers rental cars for the country you’re travelling to. US car insurance companies usually don’t cover rental cars outside the USA and Canada.
If you are renting a car, check with them in advance about what their insurance options are, so you don’t have to rush through the policy in the airport or rental office.

Baggage and Personal Belongings

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:

Check each policy to determine the reimbursement limit. There is typically a limit to how much you can be reimbursed per person, item, and type of item. This limit is especially important if you’re travelling with valuable items such as jewellery and cameras.
Check your renters or home insurance to see if you have any coverage for personal items. Note what the deductible (the amount you have to pay before the insurance kicks in) is for claims.

Additional Services

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:

Some travel insurance plans also provide helpful support and information before you go on your trip, such as information on vaccinations, visas, or travel health.
If you are going on a business trip or are working while travelling, some plans also provide business assistance services.

Compare Travel Insurance Companies

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:

Look at reviews and testimonials on the website and other review websites.
Make sure the company is accredited with the Better Business Bureau and what its BBB rating is.
Look for the word ‘insurance’ rather than ‘travel protection’ and ‘travel assistance’. If the company is not an actual insurance provider, it is not subject to the same regulation.

Compare Travel Insurance Quicker and Easier

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!

Trip Cancellation	Trip Cost
Trip Interruption	150% of Trip Cost
Missed Connection	$1,500
Travel Delay	$1000
Maximum Daily Limit	$200/day
Minimum Delay Time	6 Hours
Cancel For Any Reason	75% of Non-Refundable Trip Cost
Medical Expense	$100,000 (Primary)
Medical Evacuation	$500,000
Non-Medical Evacuation	$25,000
Pre-Existing Condition Waiver	Included if purchased within 15 days of initial deposit
24/7 Travel Assistance	Included
Accidental Death & Dismemberment	$25,000
Baggage & Personal Effects	$2,000
Rental Car Collision	$35,000 (Additional Option)
Designed for adventure vacations like mountain climbing and deep water SCUBA diving. Allows you to cancel for any reason.

Compare Travel Insurance Plans and Save

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Plans sorted by coverage and price

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TripAssure

Challenger + Plan Benefits

TripAssure

Golf Pro + Plan Benefits

TripAssure

Lodging Pro + Plan Benefits

TripAssure

Point Portector + Plan Benefits

TripAssure

Ski Mogul + Plan Benefits

TripAssure

Challenger Plan Benefits

TripAssure

Golf Pro Plan Benefits

TripAssure

Lodging Pro Plan Benefits

TripAssure

Point Portector Plan Benefits

TripAssure

Ski Mogul Plan Benefits

A+ Program Protection

Preferred + Plan Benefits

MH Ross

Platinum Plan Benefits Summary

TripAssure

Complete Plan Benefits

Nationwide

Latitudes Premier Plan Benefits

US Fire

EZ Travel Platinum Plan Benefits

A+ Program Protection

Preferred Plan Benefits

MH Ross

Gold Plan Benefits

TripAssure

Bridge Plan Benefits

Nationwide

Latitudes Superior Plan Benefits

US Fire

EZ Travel Gold Plan Benefits

MR Ross

Silver Plan Benefits

TripAssure

Asset Plan Benefits

Nationwide

Asset Plan Benefits

US Fire

EZ Travel Silver Plan Benefits

Benefit LimitsandCoverage Features

TripAssureChallenger +

TripAssureGolf Pro +

TripAssureLodging Pro +

TripAssurePoint Protector +

TripAssureSki Mogul +

TripAssureChallenger

TripAssureGolf Pro

TripAssureLodging Pro

TripAssurePoint Protector

TripAssureSki Mogul

NationwideLatitudesPremier Plan

US FireEz TravelPlatinum Plan

A+ ProgramProtectionPreferred +

MH RossPlatinum

TripAssureComplete

NationwideLatitudesSuperior Plan

US FireEZ TravelGold Plan

A+ ProgramProtectionPreferred

MH RossGold

TripAssureBridge

NationwideLatitudesValue Plan

US FireEZ TravelSilver Plan

MH RossSilver

TripAssureAsset

How we rate the plans

Benefit Limits
and
Coverage Features

TripAssure
Challenger +

TripAssure
Golf Pro +

TripAssure
Lodging Pro +

TripAssure
Point Protector +

TripAssure
Ski Mogul +

TripAssure
Challenger

TripAssure
Golf Pro

TripAssure
Lodging Pro

TripAssure
Point Protector

TripAssure
Ski Mogul

Nationwide
Latitudes
Premier Plan

US Fire
Ez Travel
Platinum Plan

A+ Program
Protection
Preferred +

MH Ross
Platinum

TripAssure
Complete

Nationwide
Latitudes
Superior Plan

US Fire
EZ Travel
Gold Plan

A+ Program
Protection
Preferred

MH Ross
Gold

TripAssure
Bridge

Nationwide
Latitudes
Value Plan

US Fire
EZ Travel
Silver Plan

MH Ross
Silver

TripAssure
Asset