What Are Travel Insurance Benefits?

Travel insurance benefits are coverages and services available to you when you purchase a travel insurance plan. Each company has unique coverage, but there are a set of industry standards.

For instance, comprehensive travel insurance plans tend to provide benefits for cancellation, interruption, and medical emergencies. In contrast, long-term coverage typically only covers for medical emergencies and evacuations.

However there are exceptions to every industry standard, so be sure to check your plan documents!

Coverage for You & Your Traveling Companions

Perhaps the most important area of coverage when it comes to travel insurance benefits, coverage for travelers provides coverage for medical emergencies, evacuations, repatriation, and accidental death & dismemberment.

Emergency Medical

Accident & Sickness Medical Expense can provide reimbursement for emergency medical expenses you paid out of pocket while traveling. Read more on coverage for medical emergencies here

 

24-Hour Assistance Services

24-Hour Assistance with a broad range of services. Should you have a medical emergency, need legal assistance, need emergency travel arrangements, cash transfers, or real time weather reports, 24-Hour Assistance can help. This non-insurance service is included in all TravelSafe Vacation Protection plans. Read more on 24 Hour Assistance here

 

24-Hour Accidental Death & Dismemberment

TravelSafe provides cash payment if you tragically lose a limb or your life. Read more on 24-Hour AD&D here.

Emergency Medical Evacuation & Repatriation

If you suffer and illness or injury while traveling, are in critical condition, and, for whatever reason, adequate medical treatment is not be available in the immediate area. Emergency Medical Evacuation will arrange to medically transport you to an appropriate medical facility. 

Furthermore, if you need to return home for proper or long-term care, Medical Repatriation will arrange for your transportation. Repatriation of Remains will arrange for the return of your remains should you die abroad. Read more on this benefit here

 

Non-Medical Emergency Evacuation

This benefit will arrange transportation so you can get to safety in the event of natural disaster or political, civil, or military unrest at your travel destination. The evacuation must be a formal recommendation by the U.S. Department of State. Read more on this benefit here.

 

Air Flight Only Accidental Death & Dismemberment

This optional benefit provides cash payment should you lose your life or a limb while a passenger in an aircraft. Read more about air flight only AD&D here.

Coverage for Your Trip

You may have to cancel your trip due to unforeseen reasons. Maybe bad weather keeps your flight from departing, which causes you to miss a connection. These travel insurance benefits provide coverage for these scenarios, so you don’t have to carry the unexpected costs alone.

Trip Cancellation

Trip Cancellation provides repayment for non-refundable trip payments and deposits. For example, if you have an ear infection and your doctor recommends you do not fly, you would be covered by this benefit. 

Read more about this benefit here.

Trip Interruption

Sometimes you have to interrupt your trip because of illness or other unplanned reasons. Whether you are ending your trip early or starting your trip late, Trip Interruption provides repayment for non-refundable trip payments and deposits.

Always be sure to read your travel insurance policy for full details and read more about the Trip Interruption benefits here

 

Travel Delay

Travel Delay reimburses you for accommodations, meals, and local transportation expenses when you are unexpectedly delayed while on your trip.

Read the specifics on Travel Delay here

Itinerary Change

Itinerary Change is designed to reimburse you for non-refundable travel payments you’ve already made when your travel supplier changes their itinerary.

Read more about this benefit here.

Missed Connection

There are time you miss your flight or cruise departure for reasons out of your control. TravelSafe’s Missed Connection benefit covers any additional costs you incur to get to your final destination.

This coverage applies in the form of reimbursements for any additional expenses. Be sure to keep all documentation and receipts if you miss a connection. Remember, your arrival to your trip destination must be delayed by 3 hours or more to qualify for this benefit.

Read more about this benefit here.

Cancel For Any Reason

You may want to cancel your trip for reasons not covered in your policy. With Cancel For Any Reason, TravelSafe reimburses you with up to 75% of your non-refundable trip payments and deposits.

This is an optional benefit and is not available with every TravelSafe plan. To qualify for the Cancel For Any Reason benefit, you must insure 100% of you prepaid trip costs.

Read more about this benefit here.

Coverage for Your Things

From lost, damaged or delayed baggage and sports equipment, there are options for coverage in every TravelSafe plan. Our most basic plan covers these travel mishaps. You can also add more coverage with our Extended Personal Property Pac.

Baggage & Personal Effects

If your baggage or personal items are lost, stolen, or damaged while on your trip, the Baggage And Personal Effects benefit can help cover the costs it takes to replace them. You’ll be covered for the entire length of your trip.

Read more about this coverage here.

Baggage Delay

This allows for reimbursement for the cost of clothing and personal articles purchased by you if your baggage is delayed upon your arrival. The delay does, however, have to be of 12 hours or more to qualify.

Read more about this benefit here.

Extended Personal Property Benefits

Should you choose to do so,  you can purchase extra coverage for personal property you bring along with you on your travels. The Extended Personal Property Benefit will cover baggage and personal effects. Furthermore, exclusions for things like computers and professional equipment are amended.

Read more about this benefit here.

Rental Car Damage

You may plan on renting a car while traveling so you may want to purchase Rental Car Damage coverage.

Read more about Rental Car coverage here.

Important Plan Information

Not all coverages apply to the TravelSafe Basic Plan. Benefits in this website are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all coverages and services. This web page does not constitute or form any part of the Plan Document or any other contract of any kind. Plan benefits limits, and provisions may vary by state jurisdiction or may not be available in all states. The Pre-Existing Condition exclusion is waived (under the Classic and Classic Plus Plans only) provided You have purchased the plan within 21 days of the date of your initial trip deposit and you are not disabled from travel at the time you purchase this your plan. It is important to read your plan documents to have a full understanding of the coverage available to you.

To review full plan details for each plan visit our plan documents page. Any questions regarding TravelSafe Plans can be answered by calling 888-885-7233.