Why Buy Travel Protection?
Travel protection is a package of benefits and services designed to help protect you in three ways: 1) to reimburse you for your financial investment (i.e. the cost of your travel arrangements) should a variety of unforeseeable reasons force you to cancel or interrupt your trip or delay you while traveling; 2) most importantly, to help protect you against the costs incurred during your trip for medical expenses, a medical evacuation, services to assist you in an emergency situation; and 3) to help protect against loss, damage or destruction of your personal belongings.
Some things are beyond our control. Travel protection helps protect your travel arrangements, belongings and most importantly you with coverage for: Trip Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Trip Delay and much more.
Our plans include 24-hour Assistance Services to help you in emergency situations and we also include a service to register your important medical information which then can be accessed should the need arise during your trip.
Remember, many of your travel arrangements may be either non-refundable or subject to strict cancellation penalties. The lowest cost airfares, cruise and land packages generally include significant penalties if you are unable to actually take your trip.
Baggage/Personal Effects Loss
It’s always a good idea to leave your expensive valuables at home such as expensive jewelry, electronics, etc. But you can’t leave everything. Digital cameras, expensive clothing, and other personal articles may be lost, stolen or destroyed. Your homeowner's policy may cover only a portion of the total loss due to coinsurance and deductible requirements.
Bankruptcy & Default Protection
What if your airline or travel supplier ceases operations? Other airlines or travel suppliers may help find space for you, but usually at a cost and sometimes you lose the entire cost of your trip! Our plans provide coverage for supplier Bankruptcy or Default, provided the plan is purchased within 14 calendar days of the initial trip payment.
Trip Cancellation or Interruption
Do you want to help protect your prepaid trip costs if you must cancel or interrupt your trip? Trip Cancellation and Interruption protects the financial investment you’ve made in your travel arrangements against a variety of unforeseeable reasons, both medical and non-medical, that may affect you or your travel plans.
Primary Medical Coverage
Does your health insurance cover you away from home? Many plans offer little or no coverage for on-trip medical bills. Our plans provide primary coverage for on-trip medical expenses and also provide coverage for medical transportation costs if you must be medically evacuated for appropriate care.
Terrorist Attacks that disrupt travel plans are an unfortunate reality. If your trip is affected by an unforeseen Terrorist Attack, we have plans to help minimize the financial loss that you may incur.
Pre-Existing Conditions Waiver
All three of our plans offer a waiver for the Pre-Existing Condition exclusion. For the Essential plan and Preferred plan, the waiver is available if the travel protection is purchased within 14 days of the initial trip deposit date, and you are not disabled from travel at the time you pay the plan payment. For the Preferred Plus plan, the waiver is available if the policy is purchased on or before the date you make the final trip payment and you insure the full cost of your total trip, and you are not disabled from travel at the time you pay the plan payment.