Trip Protection Insurance

Trip Protection plans typically reimburse your non-refundable travel expenses if an unexpected crises
(e.g., death, sickness, airline strike, travel company bankruptcy, among other crises) occurs before or during your trip causing it to be canceled, interrupted or delayed. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

Compare plan benefits
Plan Name	Travel Guard Essential Basic	Vacation Insurance	Travel Basic	Adventure Travel Protection Plan
Company	Travel Guard International	TravelSafe	Travelex Insurance Services	Travel Guard International
Purchase
Underwriter	American Home Assurance Company, member of — A.M. Best Rating A++	Stonebridge Casualty Insurance Company – AM Best rating A-	Stonebridge Casualty Insurance Company – AM Best Rating A- (Excellent)	National Union Fire Ins Co Pittsburgh PA A.M. Best Rating – “A” (Excellent)
Available To	US & Canadian Residents (not available to residents of Washington State)	US Residents only	US Residents – Not available in Indiana, New Hampshire or Washington State	US Residents – not available to residents of Washington State
Coverage Area	Worldwide	Worldwide	Worldwide	Worldwide
Individual Pricing*	from $75	from $95	from $68
Family Pricing**	from $178	from $222	from $102
Trip Investment Coverage
Plan Name	Travel Guard Essential Basic	Vacation Insurance	Travel Basic	Adventure Travel Protection Plan
Trip Cancellation	100% of the Trip Cost	100% of the Trip Cost. Cancel “For Any Reason” option available	100% of Trip Cost	100% of Trip Cost
Trip Interruption	Up to 100% of the Trip Cost. $0.00 Trip Cost = $500 Return Air Only (Forfeited, non-refundable, unused prepaid trip payments are covered)	150% of the Trip Cost	100% of Trip Cost	100% of Trip Cost
Trip Delay	$500 per person – $100 per day – Covered after 12 hour delay Missed connection not covered (after 24 hours)	$750 per person $150 max per day Covered after 8 hour delay	$500 Per Person – if delayed 5 hours or more	$1500 Per Person – $150 per day per individual – if delayed 5 hours or more
Terrorism	Covered if a terrorist incident occurs in a City listed on the insured’s itinerary within 30 days of the insured’s scheduled arrival.	If purchased within 15 days of initial trip payment. Terrorism in a city on your itinerary with 30 days of departure.	Trip Cancellation or Interruption due to a Terrorist Event is not covered	Covered if a terrorist incident occurs in a City listed on the insured’s itinerary within 30 days of the insured’s scheduled arrival.
Supplier Bankruptcy/Default	No Coverage Provided, See Policy Details	Covered if purchased within 15 days of first trip payment.	Coverage begins 14 days after policy effective date.	This coverage applies if the insurance is purchased within 15 calendar days of the initial trip payment or deposit 14 day waiting period.
Hurricane/Weather	Inclement Weather causing delay or complete cessation of services for at least 24 consecutive hours Purchase must occur BEFORE storm is named.	Complete cessation of common carrier services for 8 hours Purchased BEFORE storm is named	This coverage applies if the insurance is purchased within 15 calendar days of the initial trip payment or deposit 14 day waiting period	Inclement weather causing delay or cancellation of travel – Purchase must occur BEFORE storm is named.
Labor Strike	Strike resulting in complete cessation of travel services at the point of departure and destination	Unannounced, organized Strikes are covered	Unforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hours	Strike resulting in complete cessation of travel services at the point of departure and destination.
Purchase
Health Coverage
Plan Name	Travel Guard Essential Basic	Vacation Insurance	Travel Basic	Travel Guard International
Medical Expenses	$10,000 per person – Additional $20,000 added if Optional Benefit Upgrade is selected at purchase – secondary coverage pays after other Primary Collectible Insurance has paid	$100,000 per person No policy maximum Secondary coverage	$15,000 Sickness Expenses and $15,000 Accident Expenses – Primary Coverage	$25,000 per person – Primary Coverage – $50,000 if Medical Upgrade is selected at time of purchase
Deductible	$50 deductible	None	$50 Deductible	None
Coinsurance	None	None	None	None
Emergency Evacuation	$100,000 per person – Evacuation to nearest adequate medical facility or home if medically required	$1,000,000 per person No policy maximum	$100,000 Per Person	$500,000 per person – Primary Coverage – $1,000,000 per person when Medical Upgrade option is selected at time of purchase.
Emergency Dental	$500 – Emergency Dental Treatment	Included in Medical	Up to $750 – accidental injury to sound natural teeth	$500 – Emergency Dental Treatment
Sports & Hazardous Activities	Medical coverage for participation in amateur organized sports is included – (professional sports, motor sports, motor racing, and mountain climbing are excluded)	Professional, Amatuer, or Interscholastic sports are not covered.	Bodily contact sports, hazardous sports and paticipation as a professional in athlectics excluded. Exclusion does not apply to trip cancellation. See plan details	No Exclusions for Hazardous Sporting Activities.
Pre-existing Conditions	Subject to 180 day look back period	Waived if purchased within 15 days of initial trip payment or subject to 60 day look back period	No Coverage – Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions.	Subject to 180 day look back period. Pre existing condition “Waiver” applies if this insurance is purchased within 15 calendar days of the “initial trip payment” and full pre-paid trip cost is insured.
Repatriation of Remains	Included in Emergency Evacuation	$1,000,000 (included in evacuation)	Included in Emergency Evacuation	Included in Emergency Evacuation
Emergency Reunion	No Coverage Provided, See Policy Details	Round trip economy airfare for person chosen by you if hospitalized more than 7 days	No coverage	Round-trip Economy Transportation for a person of your choice to visit you if you are traveling alone and hospitalized more than 7 days.
Purchase
Property Coverage
Plan Name	Travel Guard Essential Basic	Vacation Insurance	Travel Basic	Travel Guard International
Lost Baggage	$500 per person-includes lost, stolen, or damaged luggage or travel documents – $50 deductible applies	$2,500 per person No policy maximum $250 max per article	$500 per person / $300 per article	$2,500 – Covers Your Sports Equipment and Personal Effects – See Policy for Details
Baggage Delay	$100 per person – if baggage is delayed or misdirected for more than 24hrs	$250 per person Covered after 12 hour delay	$100 if baggage is delayed or misdirected for more than 12 hours	$1,500 Per Person – Sportsman Equipment delayed or misdirected for more than 12 hrs.
Rental Car Protection	No Coverage	No Coverage	Transportation Pak upgrade available – as confirmed on your confirmation of coverage letter	Optional Car Rental Collision Coverage – Available at time of purchase. $35,000 Coverage – $250 deductible
Purchase
Accidental Death Coverage
Plan Name	Travel Guard Essential Basic	Vacation Insurance	Travel Basic	Travel Guard International
Accidental Death & Dismemberment	No Coverage	$25,000 per person $150,000 max per policy	No coverage	$10,000 Per Person
Flight Accident	No Coverage	$25,000 per person $150,000 max per policy	Upgrade available in Optional Transportation Pak $200,000 – as confirmed on your confirmation of coverage letter	Optional coverage may be selected at time of purchase. Up to $500,000 per person available.
Common Carrier Accident	No Coverage	No Coverage	No coverage	$10,000 included in regular AD&D Benefit
Purchase
Additional Plan Features
Plan Name	Travel Guard Essential Basic	Vacation Insurance	Travel Basic	Travel Guard International
24-Hour Emergency Assistance	24-Hour “Live Travel” Assistance	24 hour assistance provided	Included	24-Hour “Live Travel” Assistance
Special Features	Lower cost plan equals lower benefits. No pre-existing medical condition waiver available, no bankruptcy protection.	10 day free look Cancellation for “Any Reason” Option Now Available.	Children under 18 are covered at no additional cost. Children must be related to the primary insured. Exclusions for Pre-Existing Conditions do not apply to Non Traveling Family Members	Sports Equipment Delay – $1,500 Per Person – if equipment is delayed or misdirected for more than 24hrs.
Length Of Coverage	Maximum Trip Length 365 Days	90 days	30 days	Maximum Trip Length 365 Days
Administration Fee	$6.00	$5.00	$8.00	$6.00
Money Back Guarantee	15 days	Up to 10 days after purchase	10 days after purchase	15 free look period. Non-refundable after 15 days.
Credit Cards Accepted	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express, Discover
Purchase

*Individual price quotes based on one US resident under 30-year-old traveler on a $2,500 2-week vacation with no additional add-on coverage, March 2010.
**Family price quotes based on two US resident 40-year old travelers & two under 17 travelers on a $5,000 2-week vacation with no additional add-on coverage, March 2010.