PLAN
Classic
Basic
Coverage For Your Arrangements - Benefit Limits
Travel Delay
Required minimum delay time
Coverage For You - Benefit Limits
Medical Expense / Emergency Assistance
Accident & Sickness Medical Expense
$100,000
Emergency Medical Evacuation & Return of Remains
Non-Medical Emergency Evacuation
Accidental Death & Dismemberment
24 Hour Coverage during Trip
Coverage For Your Belongings - Benefit Limit
Baggage & Personal Effects
Required minimum delay time
Coverage For Your Travel Arrangements - Benefit Provisions
Trip Cancellation or Interruption Due to:
Sickness, Injury or Death
A Pre-Existing Medical Condition
Not available except in FL, KS, MO, VA & WA
Required time period for purchase
Within 21 days of initial trip deposit
For FL, KS, MO, VA & WA Only- Within 21 Days of Trip Deposit
Required insurance amount
Common Carrier Delay/Cancellation:
Residence, destination or workplace made uninhabitable by fire, flood, or natural disaster
Involuntary termination of employment
1 year continuous employment
Permanent transfer of employment
Being hijacked, quarantined or jury duty
Death/hospitalization of Host at destination
Traffic accident while en route to departure
Bankruptcy or default of a travel supplier
Within 21 days of initial trip deposit
Effective date for bankruptcy/default
More than 14 days after purchase
Documented theft of passports or visas
Military personnel called to emergency duty for a natural disaster
Revocation of previously granted military leave
Mandatory evacuation due to bad weather or natural disaster
A hurricane warning being issued for your trip destination
Effective Date for Hurricane Warning
More then 14 days after purchase.
Trip Cancellation reimburses:
Prepaid, forfeited, non-refundable trip payments or deposits
Airline reissue fees or frequent flyer fees due to covered reasons
Single Occupancy Upgrade charges incurred due to a covered reason
Trip Interruption reimburses:
Prepaid, unused, non-refundable land or water travel arrangements
Additional airfare expense to return home, or to join/rejoin the trip
Single Occupancy Upgrade charges incurred due to a covered reason
Missed Connection Due to:
Any Common Carrier caused delay
Missed Connection reimburses:
Additional Transportation Cost to join the trip
Unused portion of the prepaid expenses for covered travel arrangements
Trip or Travel Delay Due to:
Involvement in traffic accident en route to departure
Lost/stolen passports, travel documents or money
Quarantine, hijacking, strike, natural disaster, terrorism or riot
A documented road closure by authorities
Trip/Travel Delay reimburses:
Additional meal and accommodation expenses
Local transportation expenses
Cancel For Any Reason Benefit Eligibility:
Required time period for purchase
Within 21 days of initial trip deposit
Required insurance amount
Insure non-refundable trip costs
Required time period for cancellation
2 days or more before your scheduled departure date
Coverage For You - Benefit Provisions
Accident & Sickness Medical Expense due to:
Injury or Sickness occurring during the trip
Pre-Existing Medical Conditions
Not available except in FL, KS, MO, VA & WA
Required insurance amount
For FL, KS, MO, VA & WA Only- Within 21 Days of Trip Deposit
Required time period for purchase
This is a brief description of coverage provided under the plan that includes insurance under form series TP-401 and T210. The coverage is subject to the terms, conditions, limitations and exclusions of the insurance policy or certificate. Please
see the policy and certificate for complete details. Coverage may vary or may not be available in all states. Plans are underwritten by United States Fire Insurance Company, Eatontown, NJ
Accident & Sickness Medical Expense reimburses:
Primary or Secondary Coverage
Primary
(on trip expenses)
Primary
(on trip expenses)
Services of a physician; prescribed drugs, prosthetics and therapeutic services/supplies
Emergency dental expenses incurred during the trip
Ambulance transportation to and/or from a hospital
Medical Evacuation due to:
Injury or Sickness when appropriate care, treatment or facilities are not available locally
Medical Evacuation reimburses:
Medically required transportation expenses to a Hospital for care and treatment or home
Transportation expenses to return an unattended dependent home due to a hospitalization
Transportation expenses for a bedside visit when hospitalized
Return of Remains due to:
Death occurring during a trip
Return of Remains reimburses:
Transportation expenses for return of remains home (i.e. casket, air tray and preparation expenses)
Non-Medical Emergency Evacuation due to:
Natural disaster, civil, military or political unrest
Being expelled or declared a person non-grata by a country
Non-Medical Emergency Evacuation reimburses:
Transportation expenses to the nearest place of safety or to your home
Coverage For Your Belongings - Benefit Provisions
Baggage & Personal Effects loss or damage due to:
Baggage & Personal Effects reimburses:
Cost to replace clothing and other personal articles
Cost to replace lost/stolen passports or visas
Maximum categorylimit for loss to jewelry, furs, cameras & accessories, etc.
Per Article Maximum Limit
Misdirection by a Common Carrier
Baggage Delay reimburses:
Cost of necessary personal items purchased during the delay
24 Hour Worldwide Assistance Services
24 Hour Medical Assistance Services:
24 Hour Emergency Medical Hotline
Medical consultation and monitoring when you are hospitalized
Coordinate medical evacuation arrangements
Help with replacing lost/stolen prescriptions
Help arranging for return of remains
Nurse Helpline for general health information before and during your trip
24 Hour Travel Assistance Services
Sending emergency messages to friends, family or business associates
Language interpretation services
Help with emergency cash transfers
Passport/Visa, vaccinations, & travel health Information
Help with replacing lost/stolen tickets or travel documents
24 Hour Business Assistance Services
Assistance with emergency communications
Assistance with locating available business services
Telephone or web conference assistance
Information about weather conditions, travel delays & flight status
Emergency travel arrangements
Optional Benefits Available
Air Flight Accidental Death & Dismemberment
$100,000, $250,000, & $500,000 Available
$100,000, $250,000, & $500,000 Available
Covers You while riding as a passenger on or boarding or alighting from a regularly scheduled airline flight
Additional Cost:
$10, $25, $50
Additional Cost:
$10, $25, $50
Rental Car Damage (Collision Damage Waiver)
Covers loss or damage to a rental car due to collision, fire, theft, windstorm, vandalism, hail, flood or other causes not within Your control while the car is in Your possession
Additional Cost:
$7 per day
Additional Cost:
$7 per day
Extended Personal Property Pac
Covers loss or damage to cell phones, laptops, tablets, and PDA's ($100 deductible applies) and Sports Equipment Rental