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 Essential Travel Insurance Plan Travel Basic Preferred Travel Insurance Plan
Company RoamRight Travelex Insurance Services RoamRight
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Underwriter Arch Insurance Company Stonebridge Casualty Insurance Company – AM Best Rating A- (Excellent) Arch Insurance Company
Available To US Residents US Residents US Residents
Coverage Area Worldwide Worldwide Worldwide
Individual Pricing* from $11 from $68 from $15
Family Pricing**   from $102  
Trip Investment Coverage
Plan Name Essential Travel Insurance Plan Travel Basic Preferred Travel Insurance Plan
Trip Cancellation Up to Trip Cost 100% of Trip Cost Up to Trip Cost
Trip Interruption 100% of Trip Cost 100% of Trip Cost 150% of Trip Cost.
Trip Interruption – $0.00
Trip Cost Insured $750 Return Air Only
Trip Delay (12 hours) $500 ($100/day) $500 Per Person – if delayed 5 hours or more (6 hours) $1,000 ($200/day)
Terrorism If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage. Trip Cancellation or Interruption due to a Terrorist Event is not covered If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
Supplier Bankruptcy/Default No Coverage Provided, See Policy Details Coverage begins 14 days after policy effective date. No Coverage Provided, See Policy Details
Hurricane/Weather Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip. This coverage applies if the insurance is purchased within 15 calendar days of the initial trip payment or deposit
14 day waiting period
Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
Labor Strike Strike that causes complete cessation of services for at least 24 consecutive hours. Unforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hours Strike that causes complete cessation of services for at least 24 consecutive hours.
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Health Coverage
Plan Name Essential Travel Insurance Plan Travel Basic Preferred Travel Insurance Plan
Medical Expenses $15,000 – Emergency Accident and Sickness Medical Expense $15,000 Sickness Expenses and $15,000 Accident Expenses – Primary Coverage $50,000 – Emergency Accident and Sickness Medical Expense
Deductible $50 deductible $50 Deductible $50 Deductible
Coinsurance None None None
Emergency Evacuation $150.000 – Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains $100,000 Per Person $500,000 – Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains
Emergency Dental $500 – Dental Sublimit Up to $750 – accidental injury to sound natural teeth $750 – Dental Sublimit
Sports & Hazardous Activities No Exclusions for Hazardous Sporting Activities. Bodily contact sports, hazardous sports and participation as a professional in athletics excluded. Exclusion does not apply to trip cancellation. See plan details No Exclusions for Hazardous Sporting Activities.
Pre-existing Conditions Fourteen Day Free Look (not applicable to NY and WA; residents of IN 30 days) – Included No Coverage – Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions. Fourteen Day Free Look – Included
Repatriation of Remains Included in Emergency Evacuation Included in Emergency Evacuation Included in Emergency Evacuation
Emergency Reunion No Coverage Provided, See Policy Details No coverage No Coverage Provided
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Property Coverage
Plan Name Essential Travel Insurance Plan Travel Basic Preferred Travel Insurance Plan
Lost Baggage Baggage and Personal Effects $750 Per Article Limit $250 Combined Articles Limit $500 Deductible $50 $500 per person / $300 per article Baggage and Personal Effects $1,000 Per Article Limit $250 Combined Articles Limit $500
Baggage Delay (24 hours) $200 $100 if baggage is delayed or misdirected for more than 12 hours (12 hours) $300
Rental Car Protection Optional Benefits Available $25,000 Transportation Pak upgrade available – as confirmed on your confirmation of coverage letter Renters Collision Insurance
Coverage $50,000
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Accidental Death Coverage
Plan Name Essential Travel Insurance Plan Travel Basic Preferred Travel Insurance Plan
Accidental Death & Dismemberment Optional Benefits Available Accidental Death & Dismemberment – Air Only Upgrade No coverage $10,000
Flight Accident No Coverage Upgrade available in Optional Transportation Pak $200,000 – as confirmed on your confirmation of coverage letter No Coverage
Common Carrier Accident (Air Only) $25,000 No coverage (Air Only) Coverage $50,000 – Up to 75% of nonrefundable
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Additional Plan Features
Plan Name Essential Travel Insurance Plan Travel Basic Preferred Travel Insurance Plan
24-Hour Emergency Assistance 24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service and Political Evacuation Service Included 24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service and Political Evacuation Service
Special Features Available Upgrades
Medical and Evacuation Coverage Upgrade Accidental Death and Dismemberment – Air Only Upgrade Rental Car Collision Insurance Upgrade (Not Available to Residents of Texas)
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
Available Upgrades
Medical and Evacuation Coverage Upgrade Accidental Death and Dismemberment Upgrade Accidental Death and Dismemberment – Air Only Upgrade Cancel for Any Reason Upgrade Cancel for Work Reason Upgrade Rental Car Collision Insurance Upgrade (Not Available to Residents of Texas) Baggage and Personal Effects (Including Sports Equipment) Delayed, Lost, Stolen or Damaged – Upgrade
Length Of Coverage Maximum Trip Length 180 days 30 days Maximum Trip Length 180 days
Administration Fee   $8.00  
Money Back Guarantee   10 days after purchase  
Credit Cards Accepted Visa, MasterCard, American Express, Discover Visa, MasterCard, American Express, Discover Visa, MasterCard, American Express, Discover
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*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.

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Travel Medical Insurance

Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country. Compare

Trip protection Insurance

Trip Protection Insurance reimburses your travel expenses if an unexpected crisis (e.g. sickness, airline strike etc) occurs before or during your trip causing it to be cancelled, interrupted or delayed. Compare

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When accidents happen

Imagine if you have become seriously ill, or had a car accident whilst traveling, would you be covered for treatment in the country? Would you have the support of an emergency assistant team to make sure you get the best treatment? Travel Insurance provides you with this.

When it gets really serious

Then imagine if you had to be repatriated? The cost of chartering a medivac flight, medical support in flight can run hundreds of thousands of dollars. Travel Insurance will keep you covered.

When plans change

1 week into your trip a hurricane wipes out your destination, perhaps a family member becomes ill, will you have to bear the burden of the cost of cancelling your trip? Travel Insurance can cover you.

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