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 cancelled, 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 | M.H. Ross Enhanced Plan | Travel Guard Essential Basic | Vacation Insurance | Travel Basic | ||
| Company |
M.H. Ross |
Travel Guard International |
TravelSafe |
Travelex Insurance Services |
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| Purchase | ||||||
| Underwriter |
Old Republic Insurance Company, Greensburg, PA (A.M. Best Rating A+). |
American Home Assurance Company, member of — A.M. Best Rating A++ |
Stonebridge Casualty Insurance Company – AM Best rating A- |
Nationwide Mutual Insurance Company – AM Best Rating A+ |
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| Available To |
US & Canadian Residents |
US & Canadian Residents (not available to residents of Washington State) |
US & Canadian Residents |
US Residents – Not available in Indiana, New Hampshire or Washington State |
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| Coverage Area |
Worldwide |
Worldwide |
Worldwide |
Worldwide |
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| Trip Investment Coverage | ||||||
| Plan Name | M.H. Ross Enhanced Plan | Travel Guard Essential Basic | Vacation Insurance | Travel Basic | ||
| Trip Cancellation |
100% of the Trip Cost |
100% of the Trip Cost |
100% of the Trip Cost Cancel “For Any Reason” option available |
100% of Trip Cost |
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| Trip Interruption |
150% of the Trip Cost |
Up to 100% of the Trip Cost |
150% of the Trip Cost |
100% of Trip Cost |
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| Trip Delay |
$200/Day ($1,000 Max.) Delayed 6 hours or more |
$500 per person – $100 per day – Covered after 12 hour delay Missed connection not covered |
$750 per person |
$500 Per Person – if delayed 5 hours or more |
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| Terrorism |
Covered if the terrorist incident occurs in Your City of Departure or Destination within 30 days of the insured’s scheduled departure date |
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 |
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| Supplier Bankruptcy/Default |
Covered if insurance was purchased within 15 days of making the first trip payment or deposit. |
No Coverage Provided, See Policy Details |
Covered if purchased within 15 days of first trip payment. |
Coverage begins 14 days after policy effective date. |
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| Hurricane/Weather |
Inclement weather that causes complete cessation of services of the insured’s Common Carrier for at least 24 consecutive hours. Purchase must occur BEFORE storm is named |
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 |
Inclement weather that causes complete cessation of travel supplier services for 24 consecutive hours |
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| Labor Strike |
Unnanounced strike that causes complete cessation of travel services of the insureds common carrier for at least 24 consecutive hours |
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 |
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| Purchase | ||||||
| Health Coverage | ||||||
| Plan Name | M.H. Ross Enhanced Plan | Travel Guard Essential Basic | Vacation Insurance | Travel Basic | ||
| Medical Expenses |
$50,000 per person standard – $100,000 when Optional Part A is selected at purchase – Secondary Coverage – this plan pays after any other Primary Collectible Insurance available has paid |
$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 |
$15,000 Sickness Expenses and $15,000 Accident Expenses – Primary Coverage |
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| Deductible |
None |
$50 deductible |
None |
$50 Deductible |
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| Coinsurance |
None |
None |
None |
None |
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| Emergency Evacuation |
$50,000 per person – $1,000,000 if Optional Part A is selected at purchase – Evacuation to nearest adequate medical facility or home if medically required |
$100,000 per person – Evacuation to nearest adequate medical facility or home if medically required |
$1,000,000 per person |
$100,000 Per Person |
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| Emergency Dental |
Treatment for accidental damage to sound natural teeth covered up to $750 |
$500 – Emergency Dental Treatment |
Included in Medical |
Up to $750 – accidental injury to sound natural teeth |
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| Sports & Hazardous Activities |
Excludes participation as a professional in athletics or participation as a member of a team in an organized sporting competition. |
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 |
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| Pre-existing Conditions |
Subject to 60 day look back period from purchase date for 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. |
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| Repatriation of Remains |
Included in Emergency Evacuation |
Included in Emergency Evacuation |
$1,000,000 (included in evacuation) |
Included in Emergency Evacuation |
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| Emergency Reunion |
No coverage |
No Coverage Provided, See Policy Details |
Round trip economy airfare for person chosen by you if hospitalized more than 7 days |
No coverage |
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| Purchase | ||||||
| Property Coverage | ||||||
| Plan Name | M.H. Ross Enhanced Plan | Travel Guard Essential Basic | Vacation Insurance | Travel Basic | ||
| Lost Baggage |
$1,500 coverage per person for Baggage and Personal Effects. Max $300 per Article. |
$500 per person-includes lost, stolen, or damaged luggage or travel documents – $50 deductible applies |
$2,500 per person |
$500 per person / $300 per article |
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| Baggage Delay |
$200 per person ($400 Max) – if baggage is delayed or misdirected for more than 24hrs |
$100 per person – if baggage is delayed or misdirected for more than 24hrs |
$250 per person |
$100 if baggage is delayed or misdirected for more than 12 hours |
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| Rental Car Protection |
None |
No Coverage |
No Coverage |
Transportation Pak upgrade available – as confirmed on your confirmation of coverage letter |
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| Purchase | ||||||
| Accidental Death Coverage | ||||||
| Plan Name | M.H. Ross Enhanced Plan | Travel Guard Essential Basic | Vacation Insurance | Travel Basic | ||
| Accidental Death & Dismemberment |
$10,000 |
No Coverage |
$25,000 per person |
No coverage |
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| Flight Accident |
$50,000 (included in Common Carrier) |
No Coverage |
$25,000 per person |
Upgrade available in Optional Transportation Pak $200,000 – as confirmed on your confirmation of coverage letter |
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| Common Carrier Accident |
$50,000 |
No Coverage |
No Coverage |
No coverage |
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| Purchase | ||||||
| Additional Plan Features | ||||||
| Plan Name | M.H. Ross Enhanced Plan | Travel Guard Essential Basic | Vacation Insurance | Travel Basic | ||
| WeCare Travel Assistance available 24/7 worldwide collect 0-410-453-6330 |
24-Hour Emergency Assistance |
24-Hour “Live Travel” Assistance |
24 hour assistance provided |
Included |
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| Special Features |
Pre-Existing Conditions Limitation is Automatically Waived for Medical Evacuation / Repatriation |
Lower cost plan equals lower benefits. No pre-existing medical condition waiver available, no bankruptcy protection. |
10 day free look |
Children under 18 are covered at no additional cost. Children must be related to the primary insured. |
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| Length Of Coverage |
180 days |
Maximum Trip Length 365 Days |
90 days |
30 days |
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| Administration Fee |
$5.00 |
$6.00 |
$5.00 |
$8.00 |
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| Money Back Guarantee |
10 Days free look |
15 days |
Up to 10 days after purchase |
10 days after purchase |
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| Credit Cards Accepted |
Visa, MasterCard, American Express, Discover |
Visa, MasterCard, American Express, Discover |
Visa, MasterCard, American Express, Discover |
Visa, MasterCard, American Express, Discover |
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| Purchase | ||||||
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