We provide travel insurance coverage and assistance through Travel Guard one of the world's largest providers of travel insurance and assistance.

SPF 24/7

Our SPF 24/7 plan which combines the industry's most comprehensive "Cancel for Any Reason" pre departure coverage, with deluxe Post Departure insurance by Travel Guard can be purchased to enhance the plan that you automatically receive. If purchased, your plan will be upgraded to include the following benefits:

• Cancel for any Reason
  
• Trip Cancellation (Trip Cost in Excess of $5,000)
• Trip Cost Trip Interruption (up to $15,000) - Reimburses you for forfeited, nonrefundable, unused payments or deposits if you must cancel your trip due to unforeseen covered reasons.
• Increased coverage limits:
• Trip Delay increases to $1,000 ($200/day)
• Baggage & Personal Effects Loss increases to $1,000
• Baggage Delay increases to $600 ($200/day)
• Medical Expense increases to $30,000
• Emergency Evacuation and Repatriation increases to $50,000
• Accidental Death & Dismemberment increases to $50,000
• AND Concierge Services* - 24-hour access to Restaurant Referrals, Event Ticketing, Golf Course Recommendations & Tee Times, arrangement of ground transportation and Floral Services

*Non-insurance services are provided by Travel Guard.

The following coverages are automatically provided to all of Island Destinations' clients at no additional cost:

• $300 Trip Delay - Reimburses you up to $200 per day if your trip is delayed for more than 12 hours for reasonable additional expenses until travel becomes possible.


• $500 Baggage & Personal Effects Loss - Reimburses you if your luggage is lost, damaged, or stolen while you are on your trip.


• $200 Baggage Delay - Reimburses you for the purchase of essential items if your bags are delayed for more than 24 hours.


• $10,000 Medical Expense - Covers necessary medical expenses for up to one year after the covered sickness or injury, provided you sought initial medical treatment while on your trip.


• $25,000 Emergency Evacuation and Repatriation - Covers evacuation and transportation to the nearest adequate medical facility for a covered sickness or injury while on your trip.


• $10,000 Accidental Death & Dismemberment – Covers death and loss of limb or eyesight within 180 days.


• Travel Medical Assistance and Worldwide Travel Assistance*
  Offers emergency assistance anywhere in the world.


• LiveTravel®*
  24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more!


• Live messaging*
  Relay of any e-mail or phone message to family, friends or business associates.


• Emergency Cash transfers
  Assistance in coordinating an emergency cash advance.


• Pre-trip travel advisories*
  Around-the-clock access to passport, visa, inoculation and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information – all for your planned destination.


• Lost Baggage Tracking*
  Assists in locating lost or stolen possessions for one year!

For a full Description of Coverage, please click below. You will also receive a copy of the corresponding plan upon purchase of the policy.

Click here to download the Island Destinations Embedded Post Departure Plan description of coverage

Click here to download the SPF 24/7 description of coverage

Click here to download the SPF 24/7 Holiday Plan description of coverage

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