A Partner In Empowerment

Trip Insurance

Cancellation

Trip Cancellation

Trip Cancellation provides reimbursement for prepaid and non-refundable trip payments if a trip is canceled due to unforeseen circumstances, including illness, injury, or death.

Trip Interruption

Trip Interruption provides reimbursement for prepaid and non-refundable trip payments if a portion of a trip is missed, or the traveler must return home early due to unforeseen circumstances, including illness, injury, or death.

Hurricane & Weather

Hurricane and Weather can reimburse a traveler in the event they must cancel or interrupt their trip due to inclement weather.

Terrorism

Terrorism reimburses travelers who need to cancel or interrupt their trip due to a terrorist attack.

Financial Default

Financial Default can reimburse a traveler’s trip costs if they need to cancel because of a complete suspension of operations by their travel supplier due to financial circumstances, whether or not bankruptcy is filed.

Employment Layoff

Employment Layoff can reimburse prepaid and non-refundable trip costs if a traveler cancels their trip due to involuntary layoff or termination of employment.

Cancel For Medical Reasons

Cancel For Medical Reasons can reimburse a traveler to cancel their trip due to an unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.

Cancel For Work Reasons

Cancel For Work Reasons can reimburse a traveler to cancel their trip due to specific unforeseen work-related conditions.

Cancel For Any Reason

Cancel For Any Reason is an optional upgrade that provides partial reimbursement for prepaid and non-refundable trip payments if a trip is canceled for a reason not otherwise covered by a policy.

Medical

Emergency Medical

Emergency Medical can reimburse the costs to treat a medical emergency during a trip.

Pre-Existing Condition

A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed during a policy’s lookback period.

Co-Insurance

Co-Insurance is the percentage of medical expenses, after the Medical Deductible, that are the responsibility of the insured.

Medical Deductible

The Medical Deductible is a co-pay amount that the insured is responsible for.

Home Country Coverage

Home Country Coverage provides coverage for incidental trips back to a traveler’s home country during an international trip.

Evacuation

Medical Evacuation & Repatriation

Medical Evacuation can provide coverage for transportation of a traveler to the nearest adequate medical facility in the event of a medical emergency during their trip. Repatriation can transport a traveler’s remains back home.

Non-Medical Evacuation

Non-Medical Evacuation provides transportation from a place of danger to a place of safety during a natural disaster or a time of civil or political unrest.

Loss or Delay

Travel Delay

Travel Delay reimburses the costs of meals and accommodations when a trip is unexpectedly delayed.

Baggage Delay

Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler’s luggage is delayed for a specified period of time.

Baggage & Personal Items Loss

Baggage and Personal Items Loss provides reimbursement for lost, stolen, or damaged luggage.

Missed Connection

Missed Connection can reimburse the additional costs for a traveler to catch up to their trip if they miss their departure for a covered reason.

Accidental Death

24 Hour AD&D

24-Hour AD&D provides a cash payment in the event of accidental loss of life or limb anytime during a covered trip.

Flight Only AD&D

Flight Only AD&D provides a cash payment in the event of accidental loss of life or limb that occurs while flying during a covered trip.

Common Carrier AD&D

Common Carrier AD&D provides a cash payment in the event of accidental loss of life or limb that occurs while traveling on a common carrier during a covered trip.

Sports

Sports & Activities

The Sports & Activities benefit is designed to cover travelers who are participating in sports and adventurous activities, some of which may otherwise be excluded. Travelers can indicate the activities they will be participating in by selecting the Sports & Activities filter.

Sports Equipment Loss

Sports Equipment Loss can reimburse a traveler in the event their own sports equipment is lost or damaged during a covered trip.

Sports Equipment Delay

Sports Equipment Delay can cover the cost of renting equipment in the event a traveler’s own equipment is delayed while on the way to their destination.

Sports Weather Loss

Sports Weather Loss can reimburse a traveler’s prepaid and non-refundable trip payments when they are not able to participate in a sport or activity due to inclement weather.

Search & Rescue

Search and Rescue coverage pays for the costs associated with finding a traveler in the event they become lost, disoriented, or go missing while participating in a recreational activity during their trip.

Sports Fees

Sports Fees can reimburse a traveler’s prepaid and non-refundable payments that are specific to sports and activities.

If you have any questions, please email us at [email protected] or, call one of our Service Directors – Niki or Carol at: 570.226.4571.