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 – Basic Travel Basic Travel Guard – Great Outdoors – (US & CA)
Company Travel Guard Chartis Travelex Insurance Services Travel Guard Chartis
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Underwriter American Home Assurance Company, member of — A.M. 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 US Residents US Residents
Coverage Area Worldwide Worldwide Worldwide
Individual Pricing* from $75 from $68  
Family Pricing** from $178 from $102  
Trip Investment Coverage
Plan Name Travel Guard – Basic Travel Basic Travel Guard – Great Outdoors – (US & CA)
Trip Cancellation 100% of the Trip Cost 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)
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)
$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. 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 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.
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 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.
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Health Coverage
Plan Name Travel Guard – Basic Travel Basic Travel Guard – Great Outdoors – (US & CA)
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 $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 $50 Deductible None
Coinsurance None None None
Emergency Evacuation $100,000 per person – Evacuation to nearest adequate medical facility or home if medically required $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 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) 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 Subject to 180 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 Included in Emergency Evacuation Included in Emergency Evacuation
Emergency Reunion No Coverage Provided, See Policy Details 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.
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Property Coverage
Plan Name Travel Guard – Basic Travel Basic Travel Guard – Great Outdoors – (US & CA)
Lost Baggage $500 per person-includes lost, stolen, or damaged luggage or travel documents – $50 deductible applies $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 $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 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
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Accidental Death Coverage
Plan Name Travel Guard – Basic Travel Basic Travel Guard – Great Outdoors – (US & CA)
Accidental Death & Dismemberment No Coverage No coverage $10,000 Per Person
Flight Accident No Coverage 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 $10,000 included in regular AD&D Benefit
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Additional Plan Features
Plan Name Travel Guard – Basic Travel Basic Travel Guard – Great Outdoors – (US & CA)
24-Hour Emergency Assistance 24-Hour “Live Travel” Assistance Included 24-Hour “Live Travel” Assistance
Special Features Lower cost plan equals lower benefits. No pre-existing medical condition waiver available, no bankruptcy protection. 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 30 days Maximum Trip Length 365 Days
Administration Fee $6.00 $8.00 $6.00
Money Back Guarantee 15 days 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
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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.

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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