Summary

  • Trip Cancellation and Trip Interruption
  • Accident & Sickness Medical Expense is excess (pays for covered expenses not already covered by your primary insurance plan or other plans)
  • Insurance benefits underwritten by United States Fire Insurance Company

Insurance 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 100% of your trip cost when you must cut your trip short. This may cover unused vacation arrangements and added transportation costs.
Up to 100% Trip Cost*
Travel Delay (12 hours)
Up to $100 per day for unused pre-paid expenses and for reasonable replacement hotel and meal costs when you are delayed 12 hours or more, up to a maximum benefit limit of $300.
$300 ($100/day)
Missed Connection (12 hours)
Reimburses up to $300 in unplanned expenses to rejoin your trip when a 12-hour flight delay causes you to miss a cruise or trip departure.
$300
Reimbursement of Miles or Reward Points
Reimburses up to $250 for any penalty cost of putting the miles or reward points back in the account they were removed from.
$250
Change Fee
Reimburses up to a maximum of $250 for the fees associated with a change to your air itinerary.
$250
Baggage & Personal Effects
Covers up to $750 when bags or personal effects are lost, stolen, or damaged.
$750**
Baggage Delay (24 hours)
Reimburses up to $200 for necessary clothing and personal items when your bags are delayed 24 hours or more after your arrival at your destination.
$200
Accident & Sickness Medical Expense
Up to $10,000 to cover treatment costs when accident or illness strikes during your trip.
$10,000
Emergency Medical Evacuation, Medical Repatriation, and Return of Remains
Up to $100,000 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.
$100,000

Optional: Cancel for Work Reasons (part of Trip Cancellation)
Additional covered reasons for Trip Cancellation that include Required to Work, Permanent Transfer of Employment, Employer Merger/Acquisition, and Place of Employment Unsuitable for Business. Job Loss is already covered as a reason for Trip Cancellation/Trip Interruption without this option.
Optional: AD&D (Air Flight Only)
Coverage up to the limit purchased when you suffer dismemberment or death during air travel.
Up to Limit Purchased
Optional: Rental Car Damage
Up to $25,000 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.)
$25,000
Optional: Medical Upgrade
Doubles your Emergency Accident and Sickness Medical Expense benefit to $20,000 and doubles your Emergency Evacuation and Repatriation benefit to $200,000 when you purchase the optional medical upgrade.
Optional: Accident & Sickness Medical Expense
Doubles your Accident and Sickness Medical Expense benefit to $20,000 when you purchase the optional medical upgrade.
$10,000 (For a total of $20,000)
Optional: Evacuation and Repatriation
Doubles your Evacuation and Repatriation Expense benefit to $200,000 when you purchase the optional medical upgrade.
$100,000 (For a total of $200,000)

Optional coverage only applies when requested on the application and the appropriate additional plan cost has been paid.

* 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 certain valuables.
These are a highlight of the benefits and coverage in the plan. Please review the Plan Document for a full list of benefits and exclusions and limitations.

Reasons for Trip Cancellation

This is a summary of some of the covered reasons for an eligible trip cancellation. Please read the plan document for details pertaining to each reason.

  • Sickness or Injury
    The Sickness or Injury of You or Your Family Member, Your Traveling Companion or their Family Member, or Your Business Partner or their Family Member. Refer to plan document for specific details and eligibility requirements.
  • Death
    The death of You or Your Family Member, Your Traveling Companion or Your Traveling Companion’s Family Member or Your Business Partner or Your Business Partner's Family Member. Refer to plan document for specific details and eligibility requirements.
  • Inclement Weather
    Inclement Weather that causes complete stoppage of services for at least 24 consecutive hours of the Common Carrier (such as airline or train) on which You are scheduled to travel.
  • Traffic Accident en Route to Departure
    You or Your Traveling Companion is directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure.
  • Host Unable to Provide Accommodations
    Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them.
  • Strike
    Unannounced Strike that causes complete stoppage of services for at least 24 consecutive hours of the Common Carrier (such as airline or train) on which You are scheduled to travel.
  • Felonious Assault
    Felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date.
  • Terrorist Incident
    A Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip.
  • Hijack/Quarantine/Jury Duty
    You or Your Traveling Companion is hijacked, quarantined, required to serve on a jury, or served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party. Refer to plan document for specific details and eligibility requirements.
  • Home or Destination Uninhabitable
    Your or Your Traveling Companion’s primary place of residence or destination becomes uninhabitable and remains uninhabitable during Your scheduled Trip by fire, flood, burglary or other Natural Disaster. Refer to plan document for specific details and eligibility requirements.
  • Military Duty for National Disaster
    You, Your Family Member, or your Traveling Companion is in the military and called to emergency duty for a national disaster other than war.
  • Employer Termination
    Involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.
  • Cancel for Work Reasons (option)
    Work-related reasons for you or your traveling companion such as Required to Work, Permanent Transfer of Employment, Employer Merger/Acquisition, and Place of Employment Unsuitable for Business. Employer Termination is already a covered reason for Trip Cancellation without the purchase of the Cancel for Work Reasons option.

Non-Insurance 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.
  • 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.

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 coverage. We don't currently offer a "cancellation-only" plan.

Q: Does the Rental Car Damage coverage cover liability insurance?

A: Our Rental Car Damage coverage doesn’t cover liability but can cover damage to your rental car during the trip and can provide coverage if your rental car is stolen during the trip.

Q: Why doesn’t the Lite plan offer the pre-existing medical condition waiver?

A: Our Lite plan is our most cost effective coverage, providing only essential travel benefits for the budget-minded traveler. If you are in need of the pre-existing medical condition waiver, please look at one of our other Worldwide Trip Protector products.

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 Lite plan does not offer a baggage upgrade option.

Q: What if my trip is longer than 30 days?

A: Our Trip Protector Lite is only available for trips up to 30 days. If your trip is longer than 30 days it can be insured with either the Worldwide Trip Protector or Worldwide Trip Protector Plus.

Q: Can the plan information be mailed?

A: The Trip Protector Lite fulfillment is via email. Your Confirmation of Benefits and Plan Document will be forwarded to your email address immediately after purchase.

Did You Know?

  • Sickness or Injury suffered by you, your traveling companion, non-traveling parent, spouse, child, domestic partner, or certain additional family members specified in the plan or your business partner included as medical reason for Trip Cancellation/Trip Interruption.
  • Travel Insured International's underwriter for this plan, United States Fire Insurance Company, maintains an A (Excellent) AM Best rating.
  • Travel Insured International maintains an A+ Better Business Bureau rating.
  • Non-Insurance Travel Assistance services include Hospital Admission Guarantee, with advance payment if required.

Additional Information

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