• Coverage

    It is important to refer to your plan description for specific details on the program you have purchased. The following information is provided as a general guideline only.

    Please read about the benefits typically available in travel insurance and travel, passenger and cruise protections plans:

    Trip Cancellation/ Trip Interruption:

    If your plan includes "Trip Cancellation/Trip Interruption" protection you may be entitled to reimbursement (up to the dollar limit specified in your plan) if you are prevented from taking or completing your trip due to a covered reason. Please refer to your plan description for further explanation.

    Trip/Travel Delay:

    If your plan includes "Trip Delay" or "Travel Delay" protection and the flights departing to, or returning from, your travel arrangements (tour, cruise or other) are substantially delayed, you may be entitled to reimbursement of the cost of catching up with your trip, or for the expenses resulting from delays returning home - up to the dollar limit specified in your plan.

    Reimbursable expenses may include additional airfare, meal and lodging expenses (if not provided by your airline). The coverage may also include reimbursement for the days of your trip that are missed, again, up to the trip delay coverage limit indicated in your plan description brochure. Per day limits may also apply. The trip delay coverage usually "kicks in" after delays of a specified number of hours, also indicated in your plan description.

    Baggage Protection:

    If your plan includes "Baggage Protection" you may be entitled to reimbursement for loss, theft or damage to baggage and personal effects. Additionally, you may be entitled for reimbursement for expenses of necessary personal effects purchased while at a destination other than your place of residence if your bag was delayed or misdirected by a Common Carrier for more than 24 hours from the time you arrived at the destination stated on your ticket. You must be a ticketed passenger on a Common Carrier. The amount of the reimbursement is not to exceed the dollar limit specified in your plan.

    Medical Protection:

    If your plan includes "Medical Protection" you may be entitled to reimbursement for Emergency Evacuation, Repatriation of Remains and Accident and Sickness Medical Expense. Please refer to your Description of Coverage for more details and plan dollar limits.

    Rental Car Damage:

    If your plan includes "Rental Car Damage" protection and if while on a covered trip your rental car is damaged due to a covered reason, you may be entitled to reimbursement (up to the dollar limit specified in your plan). Please refer to your plan description for further explanation.

     

    Security Deposit:

    Provides reimbursement (up to the dollar limit specified in the plan description) to a property owner for covered damages that occur to their property as a result of a renter. Please refer to your plan description for further explanation.