Travel Insurance Coverages
What you can do with Travel Insurance Coverages?Our system provides you with some of the most advanced tools in the industry. Here, you are can do research and compare prices of all major travel insurance companies arranged by coverage.
| Click on Trip Cancellation to review all plans offered in each coverage category.||
|Compare Travel Insurance using |
different travel insurance coverages.
Coverages that protect Your Trip Investment
|Trip Cancellation||Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled for sickness, injury, death or other specific unforeseen circumstances.|
|Trip Interruption||Provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted for sickness, injury, death or other specific unforeseen circumstances.|
|Travel Delay||Trip Delay provides reimbursement for meals, taxi fares, essential phone calls and accommodations when a trip is unexpectedly delayed.|
|Missed Connection||Missed Connection provides reimbursement in the event of a missed flight connection or for the additional costs to "catch up" to a cruise if the cause of delay is an accident or bad weather.|
| ||Terrorism at Departure / Destination||Provides coverage if a terrorist act occurs at your destination or departure. Some plans only provide coverage if you are scheduled to arrive within 30 days of the incident and some plans only offer foreign coverage.|
| ||Financial Default of Travel Provider||Coverage is provided usually in the event of a complete suspension of operations due to financial circumstances whether or not bankruptcy is filed. All insurance companies offer different levels of coverage, please check individual coverage statements for more detailed info. Most companies do not provide coverage if you purchase your insurance directly from your tour operator. Some companies also have a limit on the time in between making your initial trip payment and buying your insurance.|
| ||Weather Related (Snow, Hurricane)||Coverage is provided for weather-related conditions such as your home being made uninhabitable as a result of a natural disaster, a mandatory evacuation in effect due to an anticipated natural disaster, if your accommodations at your destinations are made uninhabitable, if you are called for duty to clean-up after a natural disaster, or if your travel supplier cancels travel due to a weather related emergency.|
| ||Cancel For Any Reason||This coverage allows you to cancel your trip for any reason. There is however, a co-insurance applied on most plans.|
Coverages that protect Your Property
|Lost Luggage||Provides reimbursement for lost, stolen or damaged luggage or personal items. This coverage is for your entire trip, not just your flight. Laptops and some camera equipment are not covered. If you have items valued over $1,000 it is best to have these items "scheduled" on your home-owners policy.|
|Baggage Delay||Provides reimbursement for clothing, toiletries and other essential items if luggage is delayed for at least 24 hours.|
|Rental Car Protection||Collision loss/damage insurance for rental cars covers the costs of damage to, or theft of, a rental car.|
Coverages that protect Your Health
Pays for the cost of treatment associated with a medical emergency incurred while traveling. "Primary Coverage" protects you when you do not have medical insurance at your destination.
"Secondary Coverage" means that our insurance will only cover medical expenses that your own Primary Coverage does not. This includes items such as co-payment and deductible. If you have no Primary Coverage, you will need to provide an affidavit to the insurance company at the time of loss. If you have Primary Coverage you will need to provide a disposition of your claim with your primary insurance and supplemental insurance carriers upon filing a claim.
"Schedule Benefits" plans limit payments to based on a schedule of prices and procedures determined by an insurance company.
| ||Deductible||Medical deductible represents amount that the insured will pay before the insurance company starts to pay for your medical bill.|
| ||Coinsurance (claims in US or Canada)||Coinsurance is the portion of the claim that you will share with the insurance company. This effects only the claim incurred in United States or Canada.|
| ||Coinsurance (claims outside US or Canada)||Coinsurance is the portion of the claim that you will share with the insurance company. This effects only the claim incurred outside United States or Canada.|
| ||Emergency Dental||Pays for the cost of treatment associated with a dental emergency incurred while traveling.|
| ||Pre-Existing Condition||Coverage is provided only if the policy is purchased within a certain number of days after the initial trip payment was made. If you book outside of this range, coverage is not provided for any loss due to injury or sickness (a medical condition) of you or a family member if, during a certain number of days preceding and including the coverage effective date, there was medical care, advice, consultation or treatment received for the condition, or if there was any adjustment of medication for the condition.|
|Emergency Evacuation||Emergency Evacuation arranges to medically transport a patient to an appropriate medical facility or to return home in order to receive care. All Emergency Evacuation coverage is PRIMARY if the insured calls the 24-hour assistance line.|
| ||Repatriation of Remains||Emergency Repatriation arranges for return of remains back to place of residence.|
Coverages that protect Your Life
|Accidental Death||Provides cash payment for accidental loss of life or limb while traveling. Only a few companies offer coverage for the entire trip.|
|Common Carrier Accident||Provides coverage only for the accident while traveling on a common carrier. This is not just the flight portion of your trip but includes any other common carrier such as a cruise ship. This coverage is optional on some plans. We do provide flight only plans, these policies appear in their own category on the pricing page.|
| ||Flight Accident||Provides coverage only for the accident while taking a flight. This coverage is optional on some plans. We do provide flight only plans, these policies appear in their own category on the pricing page.|
Medical Plan Riders
|Athletic/Sports Coverage||Provides reimbursement when participating in sports activities other than amateur, club, intramural, interscholastic or intercollegiate tennis, swimming, cross country, track, baseball, softball, volleyball and golf sports only.|
|Hazardous Activity Coverage||Provides protection when participating in hazardous activities such as motorcycling, scuba diving, jet, snow, and water skiing, mountain climbing, sky diving, amateur racing, piloting any aircraft, bungee jumping, spelunking, whitewater rafting, surfing, and parasailing.|
|Home Country Coverage||Provides coverage when a covered person visits his or her Home Country.|
|Terrorism Coverage||Provides coverage for injuries and illness incurred as a result of an act of Terrorism.|
|Maternity Coverage||Provides maternity coverage for normal and complicated deliveries plus newborn care.|
|Dental Coverage||Provides dental coverage for families including preventative care for children and Basic and Major Dental benefits for both children and adults.|
|24 Hour Hotline and Services||24 Hour Hotline provides the traveler with a broad range of services in the event of a travel or medical emergency including: medical referral and monitoring, legal assistance, emergency message center, emergency cash transfer, arrangement of medical evacuations or repatriations, emergency translations, and pre-trip assistance.
Many companies offer additional services that differentiate them against their competitors. We have listed some of these services on the carriers page under the "why buy" heading.
|Underwritten by||The Insurance Company that stands behind the plan being offered.|
|Money Back Guarantee||Money back guarantees are provided to allow you to decide if the policy you purchased is right for you. Your guarantee or "free look" period can last for up to 14 days depending on insurance company although it expires as soon as you use the policy by making a claim or reaching your departure date.|
|Administrative Fee||Some plan administrators charge a non-refundable administrative fee for processing the plan. This fee is charged per plan and not per person. The fee is already included in the price quoted.|
|Plan Eligibility||Some plans have strict eligibility requirements. Please review them before purchasing the plan.|
| ||Coverage Area||Most plans have worldwide coverage. Some plans have restrictions. Please review them before purchasing the plan.|
|Identity Theft||This coverage is not insurance but a service to assist you in restoring your identity, when it was compromised while you were traveling.|
|Additional Benefits||This coverage is not insurance but a list of additional benefits offered by the plan.|
Travel Insurance Terms
The term "coverage" referers to protection offered under an insurance policy.