What is covered ?

Reimburses forfeited pre-paid trip costs up to the maximum limit shown in the schedule of benefits for trips that are cancelled due to a covered unforeseen event prior to the scheduled departure date.

Reimburses the unused portion of non-refundable pre-paid trip costs and any additional covered transportation expenses incurred up to the maximum limit shown in the schedule of benefits.

Reimburses for reasonable additional expenses incurred until travel becomes possible to the originally scheduled destination, if your trip is delayed 12 or more consecutive hours because of a covered unforeseen event. (Not available on Travel Protector Standard.)

Reimburses for loss, theft, or damage to your baggage, personal effects, passports, travel documents, credit cards, and visas during a trip.

Reimburses for the purchase of necessary personal effects if your baggage is delayed or misdirected by the common carrier for more than 24 hours while on a trip.

Pays a benefit for reasonable and customary charges if you suffer an injury or sickness requiring you to be treated by a physician while on a trip and will reimburse for medically necessary covered expenses incurred to treat an injury or sickness during the course of the trip. The injury or sickness must first begin while on an overnight trip with a destination of at least 100 miles from your primary residence.

Covers the evacuation and transportation to the nearest adequate licensed medical facility, if ordered by the onsite physician. In the case of death, covers expenses for returning home. Trip must be overnight and destination must be at least 100 miles from your primary residence.

Pays if, within 365 days of an accident, loss of life, limb or eye sight occurs. (Not available on Travel Protector Standard.)

Provides accidental death & dismemberment coverage while traveling on a regularly scheduled airline or charter. (Not available on Travel Protector Standard.)

Provides epicurean needs, event ticketing, floral services, tee time reservations, restaurant reservations, rental car or airline reservations and hotel accommodations, personalized retail shopping assistance, and meet and greet services.

Provides medical monitoring, Doctor, hospital, Dentist and clinic referrals, replacement of eyeglasses, emergency medical payments, emergency medical transportation, medical evacuation or repatriation, and escort transportation.

Provides access to country specific health information, visa, passport and inoculation requirements, cultural information, embassy and consular references, foreign exchange rates, weather conditions, and travel advisories.

Provides emergency message relay to relatives, friends and business associates, emergency cash, legal and bail assistance, emergency travel arrangements, location of lost or stolen documents, assistance with foreign language and interpretation problems.

Provides on the ground security assistance in the event of a potentially life-threatening military or political even while traveling and access to a crisis hotline and assistance center to discuss any safety concerns or to secure assistance while traveling.

This plan does not cover any loss caused by or resulting from  intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Family Member, Traveling Companion or Business Partner while sane or insane; Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, or elective abortion of the Insured, a Traveling Companion or a Family Member; participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; mountaineering where ropes or guides are normally used. The ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring equipment; war or act of war, whether declared or not, participation in a civil disorder, riot, or insurrection; operating or learning to operate any aircraft, as student, pilot, or crew; air travel on any air-supported device, other than a regularly scheduled airline or air charter company; commission of or attempt to commit a felony by the Insured; Mental, Nervous or Psychological Disorder; if the Insured’s tickets do not contain specific travel dates (open tickets); being under the influence of drugs or narcotics, unless administered upon the advice of a Physician or intoxication above the legal limit; any Loss that occurs at a time when this coverage is not in effect; traveling for the purpose of securing medical treatment; any Trip taken outside the advice of a Physician; PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 90 day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

Unless otherwise provided by this plan Benefits will not be provided for any loss resulting (in whole or in part) from: travel arrangements canceled by an airline, Cruise line, or tour operator, except as provided elsewhere in the plan; changes in plans by the Insured, a Family Member, or Traveling Companion, for any reason; financial circumstances of the Insured, a Family  Member, or a Traveling Companion; any government regulation or prohibition; an event which occurs prior to the Insured’s coverage Effective Date; failure of any tour operator, Common Carrier, person or agency to provide the bargained-for travel  arrangements or to refund money due the Insured.

Benefits will not be provided for any Loss, or damage to, caused by, or resulting in whole or in part from: animals, rodents, insects or vermin; bicycles (except when checked with a Common Carrier); motor vehicles, aircraft, boats, boat motors, ATV’s and other conveyances; artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids; keys, notes, securities, accounts, currency, deeds, food stamps, bills, or other evidences of debt, or tickets; money, stamps, stocks and bonds, postal or money orders; property shipped as freight, or shipped prior to the Departure Date; contraband, illegal transportation or trade; items seized by any government, government official or customs official; defective materials or craftsmanship;  normal wear and tear; deterioration.

Unless otherwise provided by this plan Benefits will not be provided for the following:
routine physical examinations;  mental health care; replacement of hearing aids, eye glasses, contact lenses, and sunglasses; routine dental care; any service provided by the Insured, a Family Member, or Traveling Companion; alcohol or substance abuse or treatment for the same;  Experimental or Investigative treatment or procedures; care or treatment which is not Medically Necessary, except for related reconstructive surgery resulting from trauma, infection or disease; coverage for Trips less than 100 miles from the Insured’s Primary Residence.

Benefits will not be provided for the following: loss caused by or resulting directly or indirectly from Sickness or disease of any kind; stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.