Travel Insurance

Protecting your vacation is as important as making the booking itself.

Before making your travel arrangements, please take just a moment to remember how unpredictable traveling today can be. Common travel problems like flight delays, travel injuries and illness, unpredictable weather and lost or stolen luggage can result in remembering a trip for all the wrong reasons.

Basic Plan

The economical choice for domestic & international travelers.

$10,000
Maximum Trip Cost

An affordable plan for travelers interested in cancellation and trip interruption benefits as well as post-departure benefits such as emergency medical coverage and lost or damaged baggage benefits.

Classic Plan

Our most popular plan for family vacations, cruises and tours.

$100,000
Maximum Trip Cost

Our most popular plan with expanded coverage and the added benefit of FREE coverage for children 17 and under when traveling with a parent or grandparent. Ideal for both international and domestic vacations
cruises and tours.

Classic Plan with Cancel Anytime

The best coverage for dream vacations and remote destinations.

$20,000
Maximum Trip Cost

Includes all the benefits of the Classic Plan but double nearly all the post-departure benefit limits. Ideal for those traveling internationally who want the peace of mind from extra benefits.

Premier

The most comprehensive coverage for anywhere in the world.

$200,000
Maximum Trip Cost

Includes all the benefits of the Classic Plan while doubling nearly all the post-departure benefit limits. Includes more reasons for trip cancellation.

Travel Insurance Benefits

	Basic Plan	Classic Plan	Classic with Cancel Anytime	Premier
Trip Cancellation Reimburses your prepaid, non-refundable trip expenses if you must cancel your trip due to a covered reason.	Up to 100% of insured trip cost	Up to 100% of insured trip cost	Up to 100% of insured trip cost	Up to 100% of insured trip cost
Cancel Anytime Reimburses 80% of your lost non-refundable trip costs if you cancel your trip for almost any unforeseeable reason your plan does not already cover.	N/A	N/A	Up to 80% of insured trip cost	N/A
Trip Interruption Reimburses the unused, non-refundable portion of your trip expenses and the additional transportation costs required to continue your trip or return home if you need to interrupt your trip for a covered reason.	Up to 100% of insured trip cost	Up to 150% of insured trip cost	Up to 100% of insured trip cost	Up to 150% of insured trip cost
Trip Change Protector Reimburses fees or extra expenses from a carrier or supplier if you must cancel or change your airline, rail, cruise, or tour itinerary for a covered reason.	N/A	$500	$500	$1,000
Travel Delay If your trip is delayed for six or more hours due to a covered reason, this benefit reimburses up to $150 per person (basic), $200 per person (classic, classic with CAT & premier) per day for incidental or lost prepaid expenses. If this benefit is used to rejoin your cruise/tour, the daily limit does not apply.	$300	$800	$800	$1,600
Baggage Loss/Damage Benefits for the loss, damage, or theft of baggage and personal effects.	$500	$1,000	$1,000	$2,000
Baggage Delay Reimburses the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 12 hours or more. Receipts for emergency purchases are required.	$200	$300	$300	$600
Emergency Medical and Dental This primary coverage provides reimbursement for expenses incurred during your trip due to covered medical and dental emergencies. $50 deductible (basic), no deductible (classic), for outpatient care. $500 maximum for emergency dental care. (basic) $750 maximum for emergency dental care. (classic, classic with CAT & premier)	$10,000	$50,000	$50,000	$100,000
Emergency Transportation Provides benefits for the cost of medically necessary transportation to the nearest appropriate facility and can also provide benefits for the cost of your transportation back home following a covered illness or injury.	$50,000	$500,000	$500,000	$1,000,000

Trip Cancellation and Trip Interruption Benefits: Covered Reasons

This plan can provide coverage for many common causes of loss that may impact your trip. However, travel insurance doesn’t cover everything, even if it’s unforeseen. For a loss to be covered, it must be included as a “covered reason” under your plan. See plan details for full list. Below are some examples:

Cancellation and Interruption

	Basic Plan	Classic Plan	Classic with Cancel Anytime	Premier
Covered illness, injury, death of insured, family member, or traveling companion	✔	✔	✔	✔
Covered illness, injury of business partner		✔	✔	✔
24-hour delay by travel carrier	✔	✔	✔	✔
Travel supplier financial default		✔	✔	✔
Legal requirement to attend legal proceeding during your trip	✔	✔	✔	✔
Home uninhabitable	✔	✔	✔	✔
Terrorism	✔	✔	✔	✔
Military or first responder duty	✔	✔	✔	✔
Traffic accident en route	✔	✔	✔	✔
Quarantine	✔	✔	✔	✔
Attending immediate family birth		✔	✔	✔
Hurricane warning				✔
Veterinary emergency				✔

Benefits for quarantine based on exposure to an epidemic disease only apply when an eligible traveler is specifically named and individually ordered to quarantine by order or official directive of a government, public regulatory authority, or ship’s captain (not including generally or broadly applicable restrictions on movement). Benefits may not cover the full cost of your quarantine and are subject to applicable benefit limits. See plan documents for details.

Cancellation Only

	Basic Plan	Classic Plan	Classic with Cancel Anytime	Premier
Unable to receive vaccinations	✔	✔	✔	✔
Employment change, transfer, or termination	✔	✔	✔	✔
Legal separation/divorce		✔	✔	✔
Pregnancy		✔	✔	✔
Adoption	✔	✔	✔	✔
Visa refusal		✔	✔	✔
Covered illness, injury, death of caregiver				✔

Interruption Only

	Basic Plan	Classic Plan	Classic with Cancel Anytime	Premier
Hijacking	✔	✔	✔	✔
Travel Delay resulting in missing 50% or more of your trip	✔	✔	✔	✔
Denied boarding due to medical reasons	✔	✔	✔	✔

Terms, conditions, and exclusions apply. This is an overview of benefits provided by this plan. Unless stated otherwise, benefit limits are per person. Availability of benefits and covered reasons may vary by state, and sub limits may apply. This plan is only available to U.S. residents and may not be available in all jurisdictions. Plan includes insurance benefits and assistance services. Plans are offered and sold only as a single pay, single term, indivisible package of benefits and services for the purpose of covering risks associated with a trip. Plan charge includes pricing for insurance benefits and assistance services. A pricing breakdown is provided at purchase.

Exclusions. Travel insurance doesn’t cover everything, and terms, conditions, and exclusions apply to all benefits under this plan. An “exclusion” is something expressly not covered by this plan. Generally, unless specifically excepted, a loss resulting from an excluded cause is not covered. Exclusions may include, but are not limited to: pre-existing medical conditions (unless you qualify for a waiver of this exclusion); losses, conditions or events that were known, foreseeable, intended, or expected when you purchased your plan (for example, a named storm, an announced strike, or an event identified by a Coverage Alert posted on our website at azcontent.us/coverage-alerts); the use or abuse of drugs or alcohol; epidemics/pandemics; war (declared or undeclared); nuclear reaction/radiation; pollution or threat of pollution; acts, travel alerts/bulletins, or prohibitions of a government or public authority; acts committed with intent to cause loss; participation in extreme or high risk sports/activities; criminal acts (unless you are the victim of the act); and others. This is not an exhaustive list, and other exclusions apply. Exclusions may vary by state and may be subject to exceptions (for example, an insured’s illness may be covered even if caused by an epidemic or pandemic disease). A complete list of exclusions can be found in your plan details. Cancel Anytime coverage is also subject to certain exclusions. See your plan for details.