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Worldwide Trip Protector

Summary

  • Accident and Sickness Medical Expense is excess (pays for covered expenses not already covered by your primary insurance plan)
  • Ugrade available for Accident and Sickness Medical Expense from secondary to primary
  • Medical Evacuation and Repatriation
  • Pre-existing Medical – you are eligible for Pre-existing Medical Conditions coverage if you purchase the policy for the full trip cost within 21 days after your initial trip deposit
  • Trip Cancellation/Interruption Coverage
  • Travel Delay and Missed Connection
  • Baggage Protection and Travel Accident Protection
  • 24/7 Customer Care and Travel Assistance
  • Family Friendly– children 17 and under are insured at no extra charge when traveling with an insured related adult
  • Underwritten by United States Fire Insurance Company

Benefits

Trip Cancellation
Provides reimbursement up to 100% of your full trip cost when you are forced to cancel.
Up to 100% Trip Cost*
Trip Interruption
Can reimburse you up to 150% of your trip cost when you must cut your trip short. This may cover unused vacation arrangements and added transportation costs.
Up to 150% Trip Cost*
Travel Delay (6 hours)
Up to $200 per day for unused pre-paid expenses and for reasonable replacement hotel and meal costs when you are delayed 6 hours or more, up to a maximum benefit limit of $1,000.
$1,000 ($200/day)
Reimbursement of Miles or Reward Points
Reimburses you up to $250 for any penalty cost of putting the miles or reward points back in the account they were removed from when you must cancel your trip.
$250
Change Fee
Reimburses you up to $250 for fees associated with a change to you air itinerary.
$250
Missed Connection (3 hours)
Reimburses up to $500 in unplanned expenses to rejoin your trip when a 3-hour flight delay causes you to miss a cruise or trip departure.
$500
Itinerary Change
Reimburses up to $500 for activities missed due to a supplier’s itinerary change.
$500
Accident & Sickness Medical Expense
Up to $100,000 to cover treatment costs when accident or illness strikes during your trip.
$100,000
Evacuation & Repatriation of Remains
Up to $1 million to transport you to nearest treatment suitable by U.S. medical standards, transport you back to the U.S. with medical escort if needed, or transport your remains back to the U.S. in case of unexpected tragedy.
$1,000,000
Baggage & Personal Effects
Covers up to $1,000 when bags or personal effects are lost, stolen, or damaged.
$1,000**
Baggage Delay (12 hours)
Reimburses up to $300 for necessary clothing and personal items when your bags are delayed 12 hours or more after your arrival at your destination.
$300
Accidental Death & Dismemberment - 24 Hour
Covers you up to $10,000 when you suffer dismemberment or death in a travel accident.
$10,000
Optional Accidental Death & Dismemberment (Air Flight Only)
Coverage up to the limit purchased when you suffer dismemberment or death during air travel.
Up To the Limit Purchased
Optional Rental Car Damage
Up to $50,000 in coverage for damage to or loss of your rental car. (If your destination is Ireland, please contact your rental company, as many will not accept 3rd party collision coverage.)
$50,000
Optional Primary Coverage Upgrade
Makes medical expense coverage and baggage coverage primary.
Makes medical and baggage coverage primary
Optional Travel Benefits Upgrade
Doubles your Missed Connection, Travel Delay, Baggage & Personal Effects, and Baggage Delay benefit limits.
 
Additional Travel Delay
$1,000 (For a total of $2,000)
Additional Missed Connection
$500 (For a total of $1,000)
Additional Baggage & Personal Effects
$1,000 (For a total of $2,000)
Additional Baggage Delay
$300 (For a total of $600)

* Trip Cancellation and Interruption are up to the lesser of the Trip Cost paid or the limit of Coverage for which benefits are requested and the appropriate plan cost has been paid.
** Baggage and Personal Effects has a per article limit of $250. There is a combined maximum limit of $500 for valuables. Optional Coverage only applies when requested on the application and the appropriate additional plan cost has been paid. $0 Trip Cost means there is no coverage for Trip Cancellation; Trip Interruption up to $500 return air only.
These are a highlight of the benefits and coverage in your plan. Please review your certificate for a full list of benefits and exclusions and limitations.

Reasons for Trip Cancellation

  • Sickness (includes family)
    You, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured) or either of your business partners becomes sick.
  • Pre-existing Medical Conditions
    Purchase your policy no longer than 21 days after your initial trip deposit, to be eligible for trip cancellation/interruption due to the recurrence of a pre-existing medical condition affecting you, your traveling companion (insured or uninsured), or either of your family members (spouse, parent, child, domestic partner, or other family relation, insured or uninsured).
  • Injury (includes family)
    You, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured) or either of your business partners is injured.
  • Death (includes family)
    You, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured) or either of your business partners dies.
  • Bankruptcy/Default
    Bankruptcy or default of your travel supplier that occurs more than 14 days after you purchase your policy. (Benefit applies only if you purchase your policy no longer than 21 days after your initial trip deposit.)
  • Weather
    Weather causes complete stoppage of your common carrier (such as airline or train) for at least 24 consecutive hours.
  • Traffic Accident en Route to Departure
    You or your traveling companion are directly involved in a traffic accident en route to departure. Police report required.
  • Destination Evacuation
    Mandatory evacuation at your destination due to hurricane or other natural disaster.
  • Host Death/Hospitalization
    The death or hospitalization of your destination host.
  • Strike
    Strike causes complete stoppage of services (such as airlines) for at least 24 consecutive hours.
  • Felonious Assault
    You or your traveling companion are victim of a felonious assault no more than 10 days before departure.
  • Terrorist Attack
    Politically motivated terrorist attack within a city on your itinerary that occurs after your purchase date and no more than 30 days before your trip.
  • Hijacking/Quarantine
    You or your traveling companion is involved in a hijacking or quarantine.
  • School Year Extension
    School year is extended beyond normal session for you, your traveling companion, or your children.
  • Home or Destination Uninhabitable
    Your or your traveling companion’s home or your destination is made uninhabitable by fire, flood, or other natural disaster.
  • Burglary
    Your or your traveling companion’s home is burglarized no more than 10 days before departure.
  • Military Duty for Natural Disaster
    You, your traveling companion, or your family member are called to military duty, have their leave revoked, or are reassigned due to natural disaster.
  • Jury Duty /Subpoena/Witness
    You or your traveling companion must appear in court to fulfill jury duty, a subpoena, or a witness requirement. You must not be a party in the legal action.
  • Pregnancy
    You or your traveling companion becomes pregnant after policy purchase date.
  • Attending Childbirth
    You will be attending a family member’s childbirth, if pregnancy occurred after your purchase date.
  • 50% Trip Missed Due to Missed Connection
    You lose 50% or more of trip duration due to reasons covered under your Missed Connection benefit.
  • Job Loss
    You or your traveling companion is laid off or terminated after one year of continuous employment where layoff/termination occurs.
  • Cancel for Work Reasons
    Work-related reasons for you or your traveling companion such as requirement to work during a planned vacation, transfer to other city, merger/acquisition, or interruption of company operations due to disaster or bankruptcy.
  • NOAA Hurricane Warning at Destination
    Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center. Cancellation must occur at least 14 days following Your Effective Date.
  • Theft of Passports/Visas
    You or your traveling companion has a documented theft of your passports or visas.

Travel Assistance Services

  • Medical Evacuation
    Offered as part of your Medical Evacuation coverage, the Medical Evacuation assistance service provides emergency evacuation due to injury or sickness. A licensed physician coordinates with our travel assistance partner to determine the best and closest hospital if local medical facilities are not adequate. Covered costs can include: 1) land or air ambulance 2) commercial airline flight 3) medical escort.
  • Political Evacuation
    In the case of a political emergency, evacuation to nearest place of safety and then to your resident country is covered up to $100,000. (Please note that you are responsible for reimbursing Travel Insured's assistance company for any cash outlays.)
  • Medical or Legal Assistance
    Medical and Legal assistance services are offered in addition to your coverage for sickness or injury. They include: 1) Medical or Legal Referral 2) Bail Bond 3) Hospital Admission Guarantee (to secure hospital admission after other means have proven unsuccessful – includes advance payment if required) 4) Inoculation Information.
  • Passport Replacement/Visa Information
    In the event your passport or visa gets lost or stolen, the assistance company will provide guidance and referrals for obtaining a replacement passport and/or foreign visas.
  • Lost Baggage Retrieval
    Lost Baggage Retrieval assistance is offered in addition to your baggage coverage, and provides direct assistance in contacting airlines, etc., for locating your lost baggage.
  • Prescription Drug/Eyeglass Replacement
    This service provides assistance in replacing your prescription drugs or eyeglasses. (The cost for prescription drug replacement is covered under your baggage benefit; the cost for eyeglass replacement is not covered.)
  • ID /Credit Recovery Assistance
    – Notify Creditors of Theft – Coordinate Issue of Replacement Cards – Provide Contact Information to Notify Major Credit Reporting Agencies – Assist in Setting up a Transfer or Wire – Provide Support in Obtaining Police Report – Provide a Guide to Restore Credit
  • Business Concierge
    - Emergency Correspondence and Business Communication Assistance - Assistance Locating Services such as Express/Overnight Delivery, Internet Cafes, Print/Copy - Arrangements for Telephone and Web Conferencing - Emergency Phone/Fax/Email/Text Messages to Customers and Associates - Weather, Travel Delay, Flight Status - Worldwide Business Directory for Equipment Repair/Replacement - Emergency Travel Arrangements
  • Concierge Service
    - Pre-trip Assistance - Destination Profiles - Directions, Contact Information, & Reservations - Meet and Greet Service - Local Guides and Tours - Access to Ticket Services for Events - Tee Time Reservations - Shopping Assistance - Procurement of Hard-to-Find Items - Floral Services

Frequently Asked Questions

Q: Do you just offer cancellation on its own? I don’t need anything else.

A: Several of our plans include trip cancellation. We don't currently offer a "cancellation-only" plan.


Q: Does the rental car damage benefit cover liability insurance?

A: Our rental car damage benefit doesn’t cover liability but does cover damage to your rental car during the trip.


Q: Can I omit some of the coverage that I don’t need?

A: Our products are complete benefit packages; coverage can’t be omitted. We do offer a line of products with varying benefits and limits and are confident one of our Worldwide Trip Protector plans will be the right fit for you.


Q: Can I increase the amount on the baggage?

A: Our Worldwide Trip Protector plan offers the Travel Benefits Upgrade, which will double the coverage limits of your Baggage & Personal Effects, Missed Connection, Travel Delay, and Baggage Delay benefits.


Q: Can the policy information be mailed?

A: Yes, you can choose to have your policy information mailed or emailed. If you select email as your fulfillment method Your Confirmation of Benefits and Certificate of Insurance will be delivered to your email address immediately after purchase.

Eligibility

  • Available to U.S. residents of all ages.
  • Maximum trip duration is 180 days.

Did You Know?

  • All children 17 and under can be added to the policy of an individual insured related adult at no extra charge and benefit from full coverage.
  • Illness/accident suffered by you, your traveling companion (insured or uninsured), non-traveling parent, spouse, child, domestic partner, or other family member (insured or uninsured) or your business partner included as medical reason for Trip Cancellation/Interruption and within Pre-existing Medical Conditions protection.
  • If your insured travel companion cancels for a covered reason, you can either cancel as well or, if applicable, receive reimbursement for higher per-person trip cost.
  • Travel Assistance services include Hospital Admission Guarantee, with advance payment if required.
  • Because an early and unexpected return home in addition to your lost expenses can cost more than your original trip, Trip Interruption for this plan covers up to 150% of trip cost.
  • Travel Insured International's underwriter for this plan, United States Fire Insurance Company, maintains an A (Excellent) A.M. Best 2013 rating.
  • Travel Insured International maintains an A+ Better Business Bureau rating.

Additional Information

You will be provided with a complete Certificate of Insurance upon purchase of the plan. If you would like to review the Certificate of Insurance, please click here.