Brief Description of Insurance Coverage

• Pre-Existing Condition Exclusion Waiver: You don't have to worry about Pre-Existing medical conditions.
• Trip Cost Financial Default Protection: Covers you if the tour operator, cruise line or airline declares bankruptcy more than fourteen days after the effective date of coverage under the policy. Must be purchased within fifteen days of initial trip deposit to receive this coverage - see description of coverage for complete details.
  (Bankruptcy protection is not covered for all suppliers.)
• Missed Connection: This benefit will increase in coverage to $500.

• Trip Cost: Trip Cancellation - Covers you if you cancel your trip for a covered reason.
• Trip Cost: Trip Interruption - Covers you if you interrupt your trip for a covered reason.
• $1,000: Trip Interruption - Return Air Only - Covers the additional transportation expenses incurred by the Insured to the Return Destination.
• $1,500: Trip Delay - Reimburses you up to $150 a day for additional accommodations or travel expenses if you are delayed for more than 12 hours.
• $250: Missed Connection - Reimburses you for transportation expenses incurred if you miss a connection due to weather or common carrier delay.
• $750: Lost, Stolen, or Damaged Baggage & Personal Effects - Reimburses you if your luggage is lost, damaged, or stolen while you are on your trip.
• $250: Baggage Delay - Reimburses you for the purchase of essential items if your bags are delayed for more than 24 hours.
• $25,000: Medical Expenses - Covers necessary medical expenses up to one year after the sickness or injury, provided you sought initial medical treatment while on your trip.
• $500,000: Emergency Medical Transportation - Covers evacuation and transportation to the nearest adequate medical facility.
• Travel Guard® Assist - Offers emergency assistance for your peace of mind 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.
• FREE Lost Baggage Tracking - Assists in locating lost or stolen possessions - free for one year!

• $35,000: Renter's Collision Insurance - $35,000 in primary coverage! Covers cost of repairs for collision damage to a rental car, up to the limit of coverage, for which the car rental contract holds you responsible.
• Umbrella Package - Valuable additions to increase your coverages. Your medical and emergency evacuation benefits will double in coverage. Your medical coverage will be upgraded to primary coverage. For Emergency Evacuation, we will coordinate the appropriate medical transportation to bring you home, or if medically necessary, to the nearest adequate medical facility. You will also receive a detailed pre-trip travel advisory. (Cannot be purchased separately.)