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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
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+
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
Coverage Area	Worldwide	Worldwide	Worldwide	Worldwide
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
Trip Interruption	150% of the Trip Cost	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
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 (after 24 hours)	$750 per person $150 max per day Covered after 8 hour delay	$500 Per Person – if delayed 5 hours or more
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
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.
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
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
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 No policy maximum Secondary coverage	$15,000 Sickness Expenses and $15,000 Accident Expenses – Primary Coverage
Deductible	None	$50 deductible	None	$50 Deductible
Coinsurance	None	None	None	None
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 No policy maximum	$100,000 Per Person
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
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
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.
Repatriation of Remains	Included in Emergency Evacuation	Included in Emergency Evacuation	$1,000,000 (included in evacuation)	Included in Emergency Evacuation
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
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 No policy maximum $250 max per article	$500 per person / $300 per article
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 Covered after 12 hour delay	$100 if baggage is delayed or misdirected for more than 12 hours
Rental Car Protection	None $25,000 coverage included when Optional Part A is selected at purchase.	No Coverage	No Coverage	Transportation Pak upgrade available – as confirmed on your confirmation of coverage letter
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 $150,000 max per policy	No coverage
Flight Accident	$50,000 (included in Common Carrier)	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
Common Carrier Accident	$50,000	No Coverage	No Coverage	No coverage
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
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 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
Length Of Coverage	180 days	Maximum Trip Length 365 Days	90 days	30 days
Administration Fee	$5.00	$6.00	$5.00	$8.00
Money Back Guarantee	10 Days free look	15 days	Up to 10 days after purchase	10 days after purchase
Credit Cards Accepted	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express, Discover
Purchase

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