Travel insurance is designed to cover both you and the cost of your travel arrangements against a variety of unforeseeable reasons that may affect you or your travel plans.

Emergencies happen when you least expect it. Travel insurance can provide coverage for Trip Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Travel Delay and much more.  Plus, we offer 24-hour Traveler Assistance Service to help you with emergency situations that arise during your trip.

There are 2 types of travel insurance.  

1. (1) Trip Cancellation & Interruption Insurance is higher cost and provides coverage for your trip expenses as well as medical and evacuation expenses.  
2. (2) Travel Medical Insurance is lower cost and provides coverage for medical and evacuation expenses.

Travel insurance plans include benefits intended to protect you, your travel investment and your belongings. The basic benefits include:

Trip Cancellation/ Interruption to reimburse you should you have to cancel or interrupt your trip for a covered medical or non-medical reason.

Medical Expense/Emergency Assistance to cover medical expenses and emergency transportation for a sickness or injury that occurs while you are traveling.

Travel Delay Benefits to cover your out-of-pocket meal and accommodation expenses due to flight delays or cancellations or for other similar covered reasons. You must be delayed for a specified amount of time, such as 8 hours or more.

Baggage and Baggage Delay to cover loss or damage to your baggage or personal items or the cost of buying toiletries or personal articles if your baggage is delayed for a specified amount of time.

This benefit covers the non-refundable trip costs when you must cancel your travel plans.

This benefit covers cancellation for covered medical reasons (such as Sickness, Injury or death of you, a Family Member or Traveling Companion).

Additionally, certain non-medical reasons will be covered as well, such as: air carrier delays or cancellations, theft of travel documents, damage or destruction of your home, etc.

This benefit covers the cost of your unused, non-refundable land or water travel arrangements and the additional air expense to either resume your trip or return home, if you interrupt your travel plans and/or return home early from your trip for the same types of medical or non-medical reasons covered for Trip Cancellation.

This benefit reimburses you for medical treatment during your trip if you become sick or are injured while traveling. Additionally, air transport expenses (such as upgraded air arrangements, air ambulance, including doctor or nurse escort expenses) for medical evacuation are covered, if needed to obtain the appropriate level of care required for your condition.

This benefit covers you for transportation expenses to the nearest place of safety if a formal recommendation from appropriate local authorities or the US State Department is issued to leave a country due to: 1) a natural disaster such as an earthquake, wild fires or tsunami; 2) civil, military or political unrest; or 3) being expelled or declared a persona non-grata.

This benefit allows you to cancel your trip for any reason whatsoever and still be reimbursed for most of your non-refundable trip costs. To be eligible for this coverage, the plan must be purchased within a specified numer of days (e.g. 15 or 21 days) of the date you made your initial payment for your trip and you must cancel your trip 2 days or more prior to your scheduled departure.

Important Tip! Non-covered medical conditions, divorces, canceled wedding plans, economic hardships, a change in plans, just a few of the types of reasons not typically covered under Trip Cancellation, but covered under Cancel For Any Reason.

For a variety of reasons, it is prudent to purchase travel insurance when you first book your trip (i.e. make your first payment for travel arrangements).

Why? Most travel insurance policies contain time sensitive provisions that broaden coverage, if you purchase your insurance policy within 15 - 21 days of your intitial trip deposit. The time sensitive provisions which are included in most of our plans apply to several coverage enhancements, such as: waiving of the Pre-Existing Conditions Exclusion; Travel Supplier Bankruptcy or Insolvency protection and the Cancel For Any Reason Benefit.

What if your airline or travel supplier ceases operations? Other airlines or travel suppliers will try to find space for you but usually at a cost, what happens if they can't meet your needs? We have plans to cover a trip cancellation or interruption due to supplier Bankruptcy or default.