• IBMT Tours Cta 3
  • Brief Description of Coverage

    Coverage may not be available in all states.
    For questions regarding coverage, services or to file a claim please call 800.826.1300.

    Gold Plan

    We understand that your trip can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment. The Gold Plan may be purchased to do just that. For a complete Policy of Insurance, please click here:

    • 100% Trip Cost Trip Cancellation & 150% Trip Cost Trip Interruption
      Reimburses nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to an illness, injury, or death of you, a family member, traveling companion or business partner or other covered reasons.
    • $750 Trip Interruption - Return Air Only
      Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions due to one of the Unforeseen events shown in the Trip Interruption section.
    • $750 Trip Delay
      Reimburses up to $150 per day for reasonable additional expenses until travel becomes possible if your trip is delayed for more than 5 hours due to covered reasons.
    • $250 Missed Connection
      Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for three or more hours to your point of departure.
    • $1,000 Baggage & Personal Effects
      Reimburses you if your luggage is lost, damaged, or stolen while on your trip.
    • $300 Baggage Delay
      Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours.
    • $25,000 Accident Sickness Medical Expense
      Pays for medical expenses incurred while on a trip.
    • $500,000 Emergency Evacuation & Repatriation of Remains
      Covers evacuation expenses as directed by a physician to the nearest adequate medical facility or home in the event of death or if medically required.
    • $10,000 Accidental Death & Dismemberment
      Pays for loss of life and limb if it occurs within 365 days of an accident during your trip

    Extra Coverages

    (when coverage is purchased within 15 days of Initial Trip Payment)
    • Pre-Existing Medical Condition Exclusion Waiver (Limitations apply)
    • Trip Cancellation and Interruption coverage due to Financial Default of an airline, cruise line, or tour operator. (Financial default is not covered for all suppliers. Please visit www.travelguard.com/customerservice/alertlist/ for details.)
    • Missed Connection benefit increases to $500
    • $50,000 Accidental Death & Dismemberment Common Carrier Air Only
    • Medical Expense (Primary)

    Optional Coverage*

    The following will be included if elected and appropriate costs have been paid.
    • Cancel for Any Reason
      The Company will reimburse 50% of nonrefundable expenses if you cancel your Trip for any reason, up to 48 hours prior to your departure. (Cancel for any Reason can only be purchased at the time the base plan is purchased and within 15 days of initial trip payment. Coverage must be purchased for the full cost of trip.)
    • Medical Expense & Emergency Evacuation Upgrade
      Valuable addition to increase your coverage limits. Your Medical Expense and Emergency Evacuation Benefits will double. Emergency Evacuation to the adequate licensed medical facility of the Insured’s choice and Bedside Visit is included. (Upgrade not available to VA residents).
    • Accidental Death & Dismemberment Common Carrier Air Only
      Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter. Amount selected from the minimum of $100,000 up to a maximum of $500,000
    • Car Rental Collision Coverage
      $35,000 in primary coverage, subject to a $250 deductible. Covers physical damage to a rental car for which the car rental contract would hold you responsible. (Coverage is not available to residents of Kansas or Texas.)

    * Optional coverages cannot be purchased separately and may vary by state.

    Assistance Services

    • Travel Medical Assistance**
      A menu of services available for emergency medical requests, including prescription replacement, physician referrals, medical evacuations, and more.
    • Worldwide Travel Assistance**
      Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information; and more.
    • LiveTravel® Emergency Services**
      Dedicated LiveTravel® counselors available to help with any travel request, including flight or hotel rebookings, rental car reservations, roadside assistance, and more.
    • Concierge Service**
      Whatever you need, whenever, or wherever you need it, you can call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. If you need it, we'll find it for you.
    • Identity Theft Assistance** (Not available to NY residents)
      If personal information is stolen, emergency travel counselors will assist in contacting credit card companies, monitoring credit reports and working with local authorities to help with Identity restoration.
    • Business Assistant**
      You'll also have access to an array of services to help make short work of your business obligations, so you can enjoy your vacation.
    • Personal Security Assistance
      Assistance to help maintain personal safety and personal information while traveling. Services include evacuation assistance, 24/7 access to security and safety advisories and more.

    To enroll in the Gold Plan, pay the plan cost at any time up until 24 hours prior to departure. For a complete Policy of Insurance please click here.

    ** Non-insurance services are provided by Travel Guard.

    Brief Description of Coverage

    Coverage may not be available in all states.
    For questions regarding coverage, services or to file a claim please call 800.826.1300.

    My Travel Guard

    We understand that your trip can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment. The My Travel Guard plan may be purchased to do just that. For a complete Policy of Insurance, please click here

    • 100% Trip Cost Trip Cancellation & Trip Interruption
      Reimburses nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to an illness, injury, or death of you, a family member, traveling companion or business partner or other covered reasons.
    • $1,000 Trip Interruption - Return Air Only
      Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions.
    • $500 Trip Delay
      Reimburses up to $100 per day/per person up to the Maximum Limit shown on the Schedule of Benefits for reasonable additional expenses if the insured is delayed for more than 12 consecutive hours due to a covered reason.
    • $500 Missed Connection
      Reimburses up to the Maximum Benefit shown on the Schedule of Benefits if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for 3 or more hours to your point of departure.
    • $500 Baggage & Personal Effects
      Reimburses you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Benefit. $50 Deductible applies. This coverage is in excess of any other coverage or indemnity.
    • $100 Baggage Delay
      If your Baggage is delayed more than 12 hours, you can be reimbursed for the purchase of Necessary Personal Effects, subject to the Maximum Benefit.
    • $10,000 Accident Sickness Medical Expense
      Pays for medical expenses incurred while on a trip. $50 Deductible applies.
    • $100,000 Emergency Evacuation & Repatriation of Remains
      Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Pays for special medical escort if recommended in writing by the attending Physician.

    Optional Coverage*

    The following will be included if elected and appropriate costs have been paid.
    • Cancel for Any Reason
      You have the option to purchase a maximum limit of either 50% or 75% of Trip cost which provides reimbursement if you decide to cancel for any reason up to 48 hours prior to departure. (Must be purchased within 21 days of initial trip payment or by final trip payment.)
    • Medical Expense Upgrade
      Waives the $50 deductible and increases the Medical Expense limit of the base plan from $10,000 to either $25,000, $50,000 or $100,000. Also, offers a separate option to upgrade your Medical Expense benefit to Primary coverage.
    • “Hospital of Choice” Evacuation Upgrade
      For medical emergencies, includes evacuation to the adequate licensed medical facility of your choice or home. Base plan provides evacuation to the nearest adequate licensed medical facility. Maximum limit is increased to $1 million.
    • Baggage Upgrade
      Increases the Baggage and Personal Effects limit to $1,000, $1,500 or $2,500 and waives the $50 deductible. Increases the Baggage Delay limit to $200, $300, $400 or $500. Also, offers a separate option to upgrade your Baggage and Personal Effects benefit to Primary coverage.
    • Car Rental Collision Coverage
      You have the option to purchase a maximum limit of either $35,000 or $50,000 in primary coverage. Subject to a $250 deductible. Covers collision damage to a rental car for which the car rental contract would hold you responsible.
    • Accidental Death & Dismemberment (Common Carrier Air Only)
      Amount Purchased (up to $500,000) Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter, subject to the Maximum shown in the Schedule.
    • Adventure Sports Coverage
      Provides Trip Cancellation/Interruption, Emergency Evacuation and Medical Expense coverage for losses caused by many adventure sports activities typically excluded in many travel insurance plans.
    • Accident, Interruption & Delay Upgrade
      Increases the Trip Interruption benefit to 150% of Trip Cost; increases Trip Delay to $1,000 ($200 per day); increases Missed Connection to $1,000; and adds $50,000 Accidental Death & Dismemberment coverage.
    • Additional Unforeseen Events Upgrade
      Includes Trip Cancellation/Interruption coverage due to Financial Default, Terrorist Incident and a waiver for pre-existing medical conditions. Also covers Trip Cancellation/Interruption due to involuntary job loss or layoff. For complete details of coverage refer to the Policy of Insurance. (Must be purchased within 21 days of initial trip payment or by final payment.)

    * Optional coverages cannot be purchased separately and may vary by state.


    Assistance Services**

    Assistance Services listed below are not insurance benefits and are not provided by the Company. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

    • Travel Medical Assistance
      A menu of services available for emergency medical requests, including prescription replacement assistance, physician referrals, medical evacuations, and more.
    • Worldwide Travel Assistance
      Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information and more.
    • LiveTravel®Emergency Assistance
      24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more.
    • At Your Service
      Provides access to a world of conveniences that can help simplify and enrich your travel experience. Available 24/7, At Your Service can help get you into exclusive restaurants, concerts and other places you want to be during your travels!
    • Personal Security Assistance
      Assistance to help maintain personal safety and personal information while traveling. Services include evacuation assistance, 24/7 access to security and safety advisories and more.

    To enroll in the My Travel Guard plan, pay the plan cost at any time up until 24 hours prior to departure. For a complete Policy of Insurance please click here.

    **Non-insurance services provided by Travel Guard.

Non insurance services are provided by Travel Guard. 
 
This plan provides insurance coverage that only applies during the covered trip.
You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.