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The Gold Plan is our most popular package of comprehensive travel insurance & assistance services for travelers.

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Trip Cancellation -
A. Having to cancel your trip due to illness, death, or injury

View Description of Coverage Excerpt

The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances:

Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted;
Inclement Weather causing delay or cancellation of travel;
Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy;
the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace;
Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Financial Default occurring on or before the Insured’s coverage effective date or less than fourteen days after the Insured’s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of Initial Trip payment. (Day one is the date the initial Trip payment is received.);
the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned;
Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must have been with the same employer for at least five continuous years;
the Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to his/her departure date; or
being involved in or delayed due to a traffic accident en route to departure.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

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10 Reasons to Purchase Travel Insurance

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.

To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.

It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?
Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?
You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?
Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?
You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?

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