Insurance Information

Benefit Coverage
Trip Cancellation 100%, up to $25,000 trip cost
Trip Interruption 150%, up to $37,500 trip cost
Travel Delay $750, $150 per day maximum
Emergency Medical and Dental (secondary) $50,000
Deductible $50
Dental Sublimit $500
Emergency Medical Transportation $250,000
Existing Medical Conditions coverage Available*
Baggage Coverage $1,500
High value item sublimit $500
Baggage Delay greater than 24 hours $500
Missed connection $1000
Assistance Services
24-hour hotline included
Luggage Locator included

* To ensure coverage for existing medical conditions, the policy must be purchased in AgentMax within 14 days of the initial trip deposit date.
A different plan is available for the residents out of WA.

Trip Cost Per Person ($) age 0-30 age 31-55 age 56-79 age 80+
1-500 $25 $30 $45 $80
501-1,000 $36 $40 $70 $150
1,001-1,500 $46 $57 $90 $225
1,501-2,000 $59 $74 $123 $265
2,001-2,500 $80 $105 $153 $300
2,501-3,000 $98 $115 $184 $359
3,001-3,500 $115 $130 $214 $420
3,501-4,000 $135 $150 $245 $479
4,001-4,500 $165 $185 $285 $543
4,501-5,000 $185 $215 $325 $625
5,001-5,500 $205 $235 $345 $705
5,501-6,000 $235 $255 $375 $769
6,001-6,500 $255 $285 $415 $854
6,501-7,000 $300 $320 $452 $919
7,001-8,000 $342 $375 $555 $1050
8,000-9,000 $407 $425 $635 $1,154
9,001-10,000 $478 $490 $700 $1,282
10,001-11,000 $537 $531 $794 $1,755
11,001-12,000 $565 $640 $857 $1906
12,001-13,000 $599 $680 $929 $2,105
13,001-14,000 $626 $707 $1,036 $2,217
14,001-15,000 $651 $734 $1,148 $2,340
15,001-16,000 $714 $816 $1,225 $2,536
16,001-17,000 $759 $877 $1,345 $2,603
17,001-18,000 $798 $928 $1,425 $2,757
18,001-19,000 $843 $980 $1,505 $2,959
19,001-20,000 $882 $1,031 $1,584 $3,114
20,001-21,000 $924 $1,083 $1,663 $3,270
21,001-22,000 $965 $1,134 $1,740 $3,425
22,001-23,000 $1,007 $1,186 $1,820 $3,582
23,001-24,000 $1,049 $1,234 $1,898 $3,737
24,001-25,000 $1,091 $1,288 $1,987 $3,893

General Exclusions

In addition to any other exclusions that may apply to a particular benefit, no coverage is provided for any loss that results directly or indirectly from any of the following unless as specifically included: existing medical conditions; intentional self-harm, suicide or attempted suicide; pregnancy (unless unforeseen complications or problems), fertility treatments, childbirth or elective abortion; mental or nervous health disorders, (like anxiety, depression, neurosis or psychosis); use or abuse of alcohol or drugs, or related physical complications; war (declared or undeclared), acts of war, military duty, civil disorder or unrest; participation in or training for any professional or amateur sporting competition; participating in extreme, high risk sports; flying or learning to fly an aircraft as pilot or crew; nuclear reaction, radiation or radioactive contamination; natural disasters; epidemic or pandemic; air, water or other pollution or threat of pollutant release; unlawful acts; expected or reasonably foreseeable events or problems; financial default of a travel supplier; terrorist events; travel bulletins or alerts; and government prohibition or regulations.

Covered Reasons for Trip Cancellation and Interruption

Insurance pays trip cancellation and interruption claims when necessitated by certain situations* like a death in the family or jury duty. These situations are called “covered reasons”. For the Basic plan, these reasons include:

  • Illness, Injury, Death
  • Natural Disasters**
  • Subpoena/Court Date
  • Home Uninhabitable***
  • Terrorism
  • Traffic Accident
  • Employer Termination (3 yr. minimum)
  • Severe Weather**
  • Hijacking
  • Quarantine
  • Jury Duty
  • Strikes**
  • Military Duty
  • Extended Travel Delay

*Limitations may apply.
**Resulting in complete shutdown of the travel supplier.
***Due to fire, flood, vandalism, burglary, natural disaster.

Existing Medical Conditions Coverage & Exclusion

Your plan may provide existing medical conditions coverage if you, a traveling companion or family member has an existing medical condition. An existing medical condition is an illness or injury that exhibited symptoms or was treated for any time 120 days prior to purchasing your plan. Coverage for an existing medical condition is excluded unless:

  • You purchased your plan within 14 days of making your first trip payment or first trip deposit;
  • You purchased trip cancellation coverage that covers the full cost of all your non-refundable trip arrangements;
  • You were a U.S. resident and medically able to travel on the day you purchased the plan; and
  • The total cost of your trip is $10,000 per person or less.

All other contract terms and conditions apply.