Trip Protection plans typically reimburse your non-refundable travel expenses if an unexpected crises
(e.g., death, sickness, airline strike, travel company bankruptcy, among other crises) occurs before or during your trip causing it to be canceled, interrupted or delayed. Compare the different plans available via the matrix below and use the links at the bottom to check prices.
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| Plan Name | Essential Travel Insurance Plan | Travel Basic | Preferred Travel Insurance Plan | |||
| Company | RoamRight | Travelex Insurance Services | RoamRight | |||
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| Underwriter | Arch Insurance Company | Stonebridge Casualty Insurance Company – AM Best Rating A- (Excellent) | Arch Insurance Company | |||
| Available To | US Residents | US Residents | US Residents | |||
| Coverage Area | Worldwide | Worldwide | Worldwide | |||
| Individual Pricing* | from $11 | from $68 | from $15 | |||
| Family Pricing** | from $102 | |||||
| Trip Investment Coverage | ||||||
| Plan Name | Essential Travel Insurance Plan | Travel Basic | Preferred Travel Insurance Plan | |||
| Trip Cancellation | Up to Trip Cost | 100% of Trip Cost | Up to Trip Cost | |||
| Trip Interruption | 100% of Trip Cost | 100% of Trip Cost | 150% of Trip Cost. Trip Interruption – $0.00 Trip Cost Insured $750 Return Air Only |
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| Trip Delay | (12 hours) $500 ($100/day) | $500 Per Person – if delayed 5 hours or more | (6 hours) $1,000 ($200/day) | |||
| Terrorism | If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage. | Trip Cancellation or Interruption due to a Terrorist Event is not covered | If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage. | |||
| Supplier Bankruptcy/Default | No Coverage Provided, See Policy Details | Coverage begins 14 days after policy effective date. | No Coverage Provided, See Policy Details | |||
| Hurricane/Weather | Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip. | This coverage applies if the insurance is purchased within 15 calendar days of the initial trip payment or deposit 14 day waiting period |
Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip. | |||
| Labor Strike | Strike that causes complete cessation of services for at least 24 consecutive hours. | Unforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hours | Strike that causes complete cessation of services for at least 24 consecutive hours. | |||
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| Health Coverage | ||||||
| Plan Name | Essential Travel Insurance Plan | Travel Basic | Preferred Travel Insurance Plan | |||
| Medical Expenses | $15,000 – Emergency Accident and Sickness Medical Expense | $15,000 Sickness Expenses and $15,000 Accident Expenses – Primary Coverage | $50,000 – Emergency Accident and Sickness Medical Expense | |||
| Deductible | $50 deductible | $50 Deductible | $50 Deductible | |||
| Coinsurance | None | None | None | |||
| Emergency Evacuation | $150.000 – Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains | $100,000 Per Person | $500,000 – Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains | |||
| Emergency Dental | $500 – Dental Sublimit | Up to $750 – accidental injury to sound natural teeth | $750 – Dental Sublimit | |||
| Sports & Hazardous Activities | No Exclusions for Hazardous Sporting Activities. | Bodily contact sports, hazardous sports and participation as a professional in athletics excluded. Exclusion does not apply to trip cancellation. See plan details | No Exclusions for Hazardous Sporting Activities. | |||
| Pre-existing Conditions | Fourteen Day Free Look (not applicable to NY and WA; residents of IN 30 days) – Included | No Coverage – Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions. | Fourteen Day Free Look – Included | |||
| Repatriation of Remains | Included in Emergency Evacuation | Included in Emergency Evacuation | Included in Emergency Evacuation | |||
| Emergency Reunion | No Coverage Provided, See Policy Details | No coverage | No Coverage Provided | |||
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| Property Coverage | ||||||
| Plan Name | Essential Travel Insurance Plan | Travel Basic | Preferred Travel Insurance Plan | |||
| Lost Baggage | Baggage and Personal Effects $750 Per Article Limit $250 Combined Articles Limit $500 Deductible $50 | $500 per person / $300 per article | Baggage and Personal Effects $1,000 Per Article Limit $250 Combined Articles Limit $500 | |||
| Baggage Delay | (24 hours) $200 | $100 if baggage is delayed or misdirected for more than 12 hours | (12 hours) $300 | |||
| Rental Car Protection | Optional Benefits Available $25,000 | Transportation Pak upgrade available – as confirmed on your confirmation of coverage letter | Renters Collision Insurance Coverage $50,000 |
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| Accidental Death Coverage | ||||||
| Plan Name | Essential Travel Insurance Plan | Travel Basic | Preferred Travel Insurance Plan | |||
| Accidental Death & Dismemberment | Optional Benefits Available Accidental Death & Dismemberment – Air Only Upgrade | No coverage | $10,000 | |||
| Flight Accident | No Coverage | Upgrade available in Optional Transportation Pak $200,000 – as confirmed on your confirmation of coverage letter | No Coverage | |||
| Common Carrier Accident | (Air Only) $25,000 | No coverage | (Air Only) Coverage $50,000 – Up to 75% of nonrefundable | |||
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| Additional Plan Features | ||||||
| Plan Name | Essential Travel Insurance Plan | Travel Basic | Preferred Travel Insurance Plan | |||
| 24-Hour Emergency Assistance | 24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service and Political Evacuation Service | Included | 24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service and Political Evacuation Service | |||
| Special Features | Available Upgrades Medical and Evacuation Coverage Upgrade Accidental Death and Dismemberment – Air Only Upgrade Rental Car Collision Insurance Upgrade (Not Available to Residents of Texas) |
Children under 18 are covered at no additional cost. Children must be related to the primary insured. Exclusions for Pre-Existing Conditions do not apply to Non Traveling Family Members |
Available Upgrades Medical and Evacuation Coverage Upgrade Accidental Death and Dismemberment Upgrade Accidental Death and Dismemberment – Air Only Upgrade Cancel for Any Reason Upgrade Cancel for Work Reason Upgrade Rental Car Collision Insurance Upgrade (Not Available to Residents of Texas) Baggage and Personal Effects (Including Sports Equipment) Delayed, Lost, Stolen or Damaged – Upgrade |
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| Length Of Coverage | Maximum Trip Length 180 days | 30 days | Maximum Trip Length 180 days | |||
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*Individual price quotes based on one US resident under 30-year-old traveler on a $2,500 2-week vacation with no additional add-on coverage, March 2010.
**Family price quotes based on two US resident 40-year old travelers & two under 17 travelers on a $5,000 2-week vacation with no additional add-on coverage, March 2010.