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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.

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Plan Name	HTH TripProtector	HTH TripProtector Preferred	AIG Travel Guard Essential Basic	WorldwideTrip Protector Gold	Vacation Insurance	TraveLite
Company	HTH Worldwide	HTH Worldwide	Travel Guard International	Travel Insured International	TravelSafe	Travelex Insurance Services
Purchase
Underwriter	Stonebridge Casualty Insurance Company (Rated A-)Excellent by A.M. Best.	Stonebridge Casualty Insurance Company (Rated A-) Excellent by A.M. Best	American Home Assurance Company, member of AIG -- A.M. Best Rating A++	Arch Insurance Company - AM Best Rating A-	Stonebridge Casualty Insurance Company - AM Best rating A-	Old Republic Insurance Company, Greensburg, PA (A.M. Best Rating A+).
Available To	US Residents	US Residents	US / Canadian Residents (not available to residents of Washington State)	US Residents	US and Canadian Residents	Residents of the United States
Coverage Area	Worldwide	Worldwide	Worldwide	Worldwide	Worldwide	Worldwide
Trip Investment Coverage
Plan Name	HTH TripProtector	HTH TripProtector Preferred	AIG Travel Guard Essential Basic	WorldwideTrip Protector Gold	Vacation Insurance	TraveLite
Trip Cancellation	100% of the Trip Cost up to $30,000 Per Person	100% of the Trip Cost up to $30,000 Per Person	100% of the Trip Cost	100% of the Trip Cost up to $20,000 per person (age 81+ up to $10,000 Per Person)	100% of the Trip Cost Cancel "For Any Reason" option available	100% of the Trip Cost (up to $30,000 Per Person)
Trip Interruption	100% of the Trip Cost up to $30,000 per person	150% of the Trip Cost up to $30,000 Per Person	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 up to $30,000 per person (age 81+ up to $15,000 Per Person)	150% of the Trip Cost	150% of the Trip Cost up to($45,000 limit)
Trip Delay	$1,000 Per Person after 6 hours (no policy limit)	$1,000 Per Personafter 6 hours (no policy limit)	$500 per person - $100 per day - Covered after 12 hour delay Missed connection not covered (after 24 hours)	$500 Per Person after 6 Hours	$750 per person $150 max per day Covered after 8 hour delay	$750 Per Person ($200 Per Day)(After 5 Hours)
Terrorism	Covered in your departure city or a city which is a scheduled destination on your trip provided the event occurs within 30 days of departure.	Covered in your departure city or a city which is a scheduled destination on your trip provided the event occurs within 30 days of departure.	Covered if a terrorist incident occurs in a City listed on the insured's itinerary within 30 days of the insured's scheduled arrival.	Foreign and Domestic within 30 days of scheduled departure no prior incidents within 90 days if purchased within 10 days of trip deposit	If purchased within 15 days of initial trip payment. Terrorism in a city on your itinerary with 30 days of departure.	Covered - if it is a Terrorist Incident in Your City of departure or destination if the event occurs within 30 days of your departure.
Supplier Bankruptcy/Default	14 day wait (if purchased within 24 hours of final trip payment)	14 day wait (if purchased within 24 hours of final trip payment)	No Coverage Provided, See Policy Details	14 Day Wait (if purchased within 10 days of trip deposit)	Covered if purchased within 15 days of first trip payment.	14 Day Wait, if purchased within 21 days of First Trip Payment
Hurricane/Weather	Accommodation at destination made uninhabitable Inclement weather causing delay or cancellation of travel Purchased BEFORE storm is named	Accommodations at destination made uninhabitable Inclement weather causing delay or cancellation of travel Purchased 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 48 hours Purchased BEFORE storm is named	Complete cessation of common carrier services for 8 hours Purchased BEFORE storm is named	Complete cessation of common carrier services for 24 hours Accommodation at destination made uninhabitable Purchased BEFORE storm is named
Labor Strike	Unannounced, organized Strikes are covered	Unannounced, organized Strikes are covered	Strike resulting in complete cessation of travel services at the point of departure and destination	Unannounced, organized Strikes are covered	Unannounced, organized Strikes are covered	Unforseen organized Labor Strike causing complete cessation of Common Carrier for at least 48 hrs
Purchase
Health Coverage
Plan Name	HTH TripProtector	HTH TripProtector Preferred	AIG Travel Guard Essential Basic	WorldwideTrip Protector Gold	Vacation Insurance	TraveLite
Medical Expenses	$100,000 Per Person $100,000 Policy Limit Secondary coverage (reimbursement of medical expenses)	$250,000 Per Person $250,000 Policy Limit Secondary coverage (reimbursement of 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 PRIMARY PROVIDER	$100,000 per person No policy maximum Secondary coverage	$50,000 Aggregate Policy Max Optional Upgrade Available ($150,000 Aggregate Policy Max) Primary coverage
Deductible	None	None	$50 deductible	None	None	None
Coinsurance	None	None	None	None	None	None
Emergency Evacuation	$500,000 Per Person $500,000 Policy Limit Secondary coverage	$1,000,000 Per Person $1,000,000 Policy Limit Secondary coverage	$100,000 per person - Evacuation to nearest adequate medical facility or home if medically required	$300,000 Per Person PRIMARY COVERAGE	$1,000,000 per person No policy maximum	$50,000 (Included in Medical Expenses)
Emergency Dental	Included in Medical	Included in Medical	$500 - Emergency Dental Treatment	Included in Medical	Included in Medical	Included in Medical
Sports & Hazardous Activities	Amateur Organized Sports Included	Amateur Organized Sports Included	Medical coverage for participation in amateur organized sports is included - (professional sports, motor sports, motor racing, and mountain climbing are excluded)	No Coverage	Professional, Amatuer, or Interscholastic sports are not covered.	Competitive and hazardous sports Excluded
Pre-existing Conditions	Included (if purchased prior to / or within 24 hours of final trip payment)	Included (if purchased prior to / or within 24 hours of final trip payment)	Subject to 180 day look back period	Included (if purchased within 10 days of trip deposit and insuring full trip cost)	Waived if purchased within 15 days of initial trip payment or subject to 60 day look back period	Included (if purchased within 21 days of trip deposit and insuring full trip cost)
Repatriation of Remains	Included in the Emergency Evacuation	Included in the Emergency Evacuation	Included in Emergency Evacuation	Included in emergency evacuation Primary coverage	$1,000,000 (included in evacuation)	$5,000 Max
Emergency Reunion	Round-trip Economy Transportation for a person of your choice to visit you if you are traveling alone and hospitalized more than 7 days.	Round-trip Economy Transportation for a person of your choice to visit you if you are traveling alone and hospitalized more than 7 days.	No Coverage Provided, See Policy Details	Round-trip Economy Transportation for a person of your choice to visit you if you are traveling alone and hospitalized more than 7 days.	Round trip economy airfare for person chosen by you if hospitalized more than 7 days	Transportation provided for a person of your choice to visit you (if traveling alone and hospitalized for more than 7 consecutive days)
Purchase
Property Coverage
Plan Name	HTH TripProtector	HTH TripProtector Preferred	AIG Travel Guard Essential Basic	WorldwideTrip Protector Gold	Vacation Insurance	TraveLite
Lost Baggage	$1,000 Per Person (no policy limit)	$1,500 Per Person (no policy limit)	$500 per person-includes lost, stolen, or damaged luggage or travel documents - $50 deductible applies	1,000 Per Person ($150 Per Article) PRIMARY COVERAGE	$2,500 per person No policy maximum $250 max per article	$1,000/$300 per article
Baggage Delay	$200 Per Person (after 24 hours) (no policy limit)	$200 Per Person (after 24 hours) (no policy limit)	$100 per person - if baggage is delayed or misdirected for more than 24hrs	$300 Per Person (after 24 hours)	$250 per person Covered after 12 hour delay	24 hrs $250/$200 per day
Rental Car Protection	No Coverage	$50,000 (not available in all States)	No Coverage	No Coverage	No Coverage	No Coverage
Purchase
Accidental Death Coverage
Plan Name	HTH TripProtector	HTH TripProtector Preferred	AIG Travel Guard Essential Basic	WorldwideTrip Protector Gold	Vacation Insurance	TraveLite
Accidental Death & Dismemberment	Air Flight Accident $100,000 Per Person $250,000 Policy Limit	Air Flight Accident $200,000 Per Person $250,000 Policy Limit	No Coverage	$10,000 Per Person	$25,000 per person $150,000 max per policy	$10,000 Per Person
Flight Accident	$100,000 Per Person $250,000 Policy Limit	$200,000 Per Person $250,000 Policy Limit	No Coverage	No Coverage (Coverage up to $250,000 can be added	$25,000 per person $150,000 max per policy	No Coverage optional $300,000 / $500,000 / or $1,000,000
Common Carrier Accident	Air Flight Accident $100,000 Per Person $250,000 Policy Limit	Air Flight Accident $200,000 Per Person $250,000 Policy Limit	No Coverage	No Coverage	No Coverage	$50,000 Per Person
Purchase
Additional Plan Features
Plan Name	HTH TripProtector	HTH TripProtector Preferred	AIG Travel Guard Essential Basic	WorldwideTrip Protector Gold	Vacation Insurance	TraveLite
Travel Assistance	24-Hour Emergency Assistance	24-Hour Emergency Assistance	24-Hour "Live Travel" Assistance	24-Hour Travel Assistance Services	24 hour assistance provided	24-hour worldwide assistance & concierge service
Special Features	Global Physician Network over 3000 doctors in 150+ countries City Health Profiles for 180+ int'l cities	Global Physician Network over 3000 doctors in 150+ countries City Health Profiles for 180+ int'l ci	Lower cost plan equals lower benefits. No pre-existing medical condition waiver available, no bankruptcy protection.	Covers trip cancellation if your travel destination is quarantined due to Bird Flu or SARS.	10 day free look Cancellation for "Any Reason" Option Now Available.	Children under 16 are covered at no additional cost (except for optional plan add-ons) when accompanied by a covered adult. The children must be a Family Member to the primary insured.
Length Of Coverage	Maximum Trip Length 365 days	Maximum Trip Length 365 days	Maximum Trip Length 365 Days	Maxiumu Trip Length 180 days	90 days	180 days max
Administration Fee	No Fee	No Fee	$6.00	$6.00	$5.00	$5.00
Money Back Guarantee	10 Days	10 Days	15 days	if requested within 20 Days of purchase	Up to 10 days after purchase	10 days
Credit Cards Accepted	Visa, MasterCard, American Express	Visa, MasterCard, American Express	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express	Visa, MasterCard, American Express, Discover	Visa, MasterCard, American Express, Discover
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