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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 & 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 |
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!
