Travel Insurance - Full Coverage

100% Trip Cost | Trip Cancellation: Reimburses forfeited, non-refundable, unused payments or deposits for Trips that are canceled prior to the scheduled departure date.

100% Trip Cost | Trip Interruption: Reimburses forfeited, non-refundable, unused payments or deposits for Trips that are interrupted after the scheduled departure date.

$1,000 | Trip Interruption - Return Air Only: Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions.

$500 | Trip Delay:  Reimburses up to $100 per day per person for reasonable additional expenses if the insured is delayed for more than 12 consecutive hours due to a covered reason.

$500 | Missed Connection: Reimburses the additional transportation expenses to join a departed trip; and or prepaid, unused, nonrefundable trip payments if you miss the Trip departure resulting from cancellation or delay of 3 or more hours of all regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay.

$500 | Baggage & Personal Effects: Reimburses you if your baggage or personal effects are lost, stolen or damaged while on your Trip after satisfaction of the $50 Deductible. 

$100 | Baggage Delay: If your Baggage is delayed more than 12 hours, you can be reimbursed for the purchase of Necessary Personal Effects.

$10,000 | Accident Sickness Medical Expense: If, while on your trip you suffer from an injury or sickness that requires you to be treated by a physician, the plan reimburses for the reasonable and customary charges after satisfaction of the deductible. Also, reimburses for emergency dental expenses incurred only during a Trip due to injury to sound, natural teeth while on the trip. 

Covered expenses include medical and surgical treatment by a licensed physician; professional nursing, hospital, x-ray and ambulance services within one year of the date of the accident that caused the injury or the onset of the sickness and physical therapy up to 90 days after the Insured reaches his/her destination, provided initial treatment was received during the trip. $100,000 | Emergency Evacuation and Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Pays for special medical escort if recommended in writing by the attending Physician.

Additional Coverage: 

The following will be included if elected and appropriate costs have been paid. 

Cancel for Any Reason: You have the option to purchase a maximum limit of either 50% or 75% of Trip cost which provides reimbursement if you decide to cancel for any reason up to 48 hours prior to departure. (Must be purchased within 21 days of initial trip payment or by final trip deposit.)Medical Expense Upgrade:Waives the $50 deductible and increases the Medical Expense limit of the base plan from $10,000 to $25,000, $50,000 or $100,000. Also, offers a separate option to upgrade your Medical Expense benefit to Primary coverage.

“Hospital of Choice” Evacuation Upgrade: 

Transportation from a licensed medical facility to an adequate licensed medical facility of the Insured’s choice, If the onsite physician certifies that you are in need of further medically necessary treatment and you are medically able to travel.

Emergency Evacuation limit is increased to $1 million.

Baggage Upgrade: Waives the $50 deductible and Increases the Baggage and Personal Effects limit of the base plan from $500 to $1,000, $1,500 or $2,500. Increases the Baggage Delay limit to $200, $300, or $500. Also, offers a separate option to upgrade your Baggage and Personal Effects benefit to Primary coverage.

Car Rental Collision Coverage: You have the option to purchase a maximum limit of either $35,000 or $50,000 in primary car rental collision coverage. Subject to a $250 deductible. 

Flight Guard:

You have the option to purchase up to $500,000 in coverage if you are injured on a Trip while riding as a passenger in or boarding or alighting from or being struck or run down by a certified passenger aircraft.

Adventure Sports Coverage: Provides coverage for many sports activities which would otherwise be excluded under this plan.

Accident, Interruption and Delay Upgrade:Increases the Trip Interruption benefit to 150% of Trip Cost; increases Trip Delay to $1,000 ($200 per day); increases Missed Connection to $1,000; and adds $50,000 Accidental Death & Dismemberment coverage.  Additional Unforeseen Events Upgrade: Enhances your trip cancellation and trip interruption reasons and provides preexisting medical condition exclusion wavier. (Must be purchased within 21 days of initial trip payment or by final payment.) 

This is a brief insurance summary - restrictions apply. 

For a complete list of covered reasons, please refer to the Certificate of Insurance or Policy. 

For questions regarding coverage, services or to file a claim please call 1.800.826.1300. 

Assistance Services

Non-insurance services provided through Travel Guard offer assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance: From physician referrals to coordination of medical evacuations, we attend to your medical needs all over the world.

LiveTravel® Emergency Assistance: It’s a unique service that is like having a dedicated around-the-clock travel counselor just a phone call away to help solve last-minute travel problems or emergencies. LiveTravel® keeps you on the move.

Worldwide Travel Assistance: Avoid hassles while traveling with this complete suite of travel help. Our assistance coordinators will help arrange your travel affairs and are always connected to the latest travel information.

Personal Security Services: You can feel safe and secure with Travel Guard’s Personal Security Assistance at home or while traveling.

At Your Service: You receive the comfort, care, and attention of Travel Guard’s personal assistance coordinators available 24/7 to respond to virtually any request - large or small. At Your Service can help get you into exclusive restaurants, concerts and other places you want to be during your travels!