Provider & Policy |
Trip Protection Choice
Certificate
|
Trip Protection Basic
Certificate
|
Travel Medical Basic incl US
Certificate
|
Travel Medical Choice incl US
Certificate
|
Cruise
Certificate
|
|
Ratings | ||||||
AM Best Rating |
Underwritten by United States Fire Insurance Company AM Best's Rating of A (Excellent) Effective as of: 08/03/2023 Verify this rating at www.ambest.com |
Underwritten by United States Fire Insurance Company AM Best's Rating of A (Excellent) Effective as of: 08/03/2023 Verify this rating at www.ambest.com |
Underwritten by Crum & Forster SPC AM Best's Rating of A (Excellent) Effective as of: 08/03/2023 Verify this rating at www.ambest.com |
Underwritten by Crum & Forster SPC AM Best's Rating of A (Excellent) Effective as of: 08/03/2023 Verify this rating at www.ambest.com |
Underwritten by United States Fire Insurance Company AM Best's Rating of A (Excellent) Effective as of: 08/03/2023 Verify this rating at www.ambest.com |
|
Zero Complaint Guarantee |
This provider complies with Squaremouth's Zero Complaint Guarantee |
This provider complies with Squaremouth's Zero Complaint Guarantee |
This provider complies with Squaremouth's Zero Complaint Guarantee |
This provider complies with Squaremouth's Zero Complaint Guarantee |
This provider complies with Squaremouth's Zero Complaint Guarantee |
|
Cancellation | ||||||
Cancel for Covid-19 Sickness |
Included in Trip Cancellation & Interruption |
Included in Trip Cancellation & Interruption |
No coverage |
No coverage |
Included in Trip Cancellation & Interruption |
|
Trip Cancellation |
100% of the trip cost |
100% of the trip cost |
No coverage |
No coverage |
100% of the trip cost |
|
Trip Interruption |
150% of the trip cost |
100% of the trip cost |
$2,500 per person
|
$5,000 per person
|
150% of the trip cost |
|
Hurricane & Weather |
Common carrier delay for 48 hours
|
Common carrier delay for 48 hours
|
Accommodation made uninhabitable
|
Accommodation made uninhabitable
|
Complete cessation of common carrier for 6 hours
|
|
Terrorism |
Covered for foreign and domestic |
Covered for foreign and domestic |
No coverage |
No coverage |
Covered for foreign and domestic |
|
Financial Default |
Covered after 14 day wait |
Covered after 14 day wait |
No coverage |
No coverage |
No coverage |
|
Employment Layoff |
Covered after 30 day wait
|
Covered after 30 day wait
|
No coverage |
No coverage |
Covered after 30 day wait
|
|
Cancel For Medical Reasons |
Included in Trip Cancellation and Trip Interruption |
Included in Trip Cancellation and Trip Interruption |
Included in Trip Interruption |
Included in Trip Interruption |
Included in Trip Cancellation and Trip Interruption |
|
Cancel For Work Reasons |
No coverage |
No coverage |
No coverage |
No coverage |
Included in Trip Cancellation and Trip Interruption |
|
Cancel For Any Reason |
Optional coverage
|
Optional coverage
|
No coverage |
No coverage |
Optional coverage
|
|
Interruption For Any Reason |
Optional coverage
|
Optional coverage
|
No coverage |
No coverage |
Optional coverage
|
|
Medical | ||||||
Medical Coverage for Covid-19 |
Included in Emergency Medical |
Included in Emergency Medical |
Included in Emergency Medical |
Included in Emergency Medical |
Included in Emergency Medical |
|
Emergency Medical |
$500,000 per person
|
$100,000 per person
|
$50,000 per person
|
$50,000 per person
|
$250,000 per person
|
|
Pre-Existing Condition |
Covered if purchased within 20 days of trip deposit |
No coverage
|
$25,000 per person Emergency Medical for Unexpected Recurrence |
$50,000 per person Emergency Medical for Unexpected Recurrence |
Covered if purchased within 20 days of trip deposit |
|
Co-Insurance |
No Co-Insurance |
No Co-Insurance |
Plan pays 100% after deductible outside USA |
Plan pays 100% after deductible outside USA |
No Co-Insurance |
|
Medical Deductible |
No Medical Deductible |
No Medical Deductible |
$250 per person |
$250 per person |
No Medical Deductible |
|
Home Country Coverage |
No coverage |
No coverage |
5 days per 1 month purchased $5,000 per person |
5 days per 1 month purchased $10,000 per person |
No coverage |
|
Evacuation | ||||||
Medical Evacuation & Repatriation |
$1,000,000 per person |
$250,000 per person |
$250,000 per person |
$500,000 per person |
$500,000 per person |
|
Non-Medical Evacuation |
$20,000 per person |
No coverage |
$10,000 per person |
$10,000 per person |
No coverage |
|
Loss or Delay | ||||||
Extension Of Coverage |
Coverage can extend up to 10 days
|
Coverage can extend up to 10 days
|
No coverage |
No coverage |
Coverage can extend up to 10 days
|
|
Travel Delay |
$2,000 per person
|
$600 per person
|
No coverage |
No coverage |
$1,000 per person
|
|
Baggage Delay |
$500 per person
|
$500 per person
|
No coverage |
No coverage |
$100 daily limit
|
|
Baggage & Personal Items Loss |
$2,500 per person
|
$500 per person
|
$250 per person
|
$500 per person
|
$2,000 per person
|
|
Missed Connection |
$1,500 per person
|
$500 per person
|
No coverage |
No coverage |
$1,500 per person
|
|
Accidental Death | ||||||
24 Hour AD&D |
$20,000 per person |
No coverage |
$10,000 per adult
|
$25,000 per adult
|
No coverage |
|
Common Carrier AD&D |
$40,000 per person |
No coverage |
$20,000 per adult
|
$50,000 per adult
|
No coverage |
|
Sports | ||||||
Sports & Activities |
Covered
|
Covered
|
Covered
|
Covered
|
Covered
|
|
Sports Equipment Loss |
Included in Baggage & Personal Items Loss |
No coverage |
No coverage |
No coverage |
No coverage |
|
Sports Equipment Delay |
Optional coverage |
Optional coverage |
No coverage |
No coverage |
No coverage |
|
Sports Fees |
Included in Cancellation & Interruption |
Included in Cancellation & Interruption |
No coverage |
No coverage |
Included in Cancellation & Interruption |
|
Other Benefits | ||||||
Rental Car Damage |
Optional coverage |
Optional coverage |
No coverage |
No coverage |
No coverage |
|
Money Back Guarantee |
Free look up to 14 days after purchase |
Free look up to 14 days after purchase |
Free look up to the day before effective date |
Free look up to the day before effective date |
Free look up to 14 days after purchase |
|
24 Hour Assistance Service |
24 hour assistance provided |
24 hour assistance provided |
24 hour assistance provided |
24 hour assistance provided |
24 hour assistance provided |
|
Renewable Policy |
Not renewable |
Not renewable |
Renewable up to 364 days |
Renewable up to 364 days |
Not renewable |
Insurance Providers
Additional Information