Review of Basic from Access America | Travel Insurance Review

Editor Review

The Good: This is individual coverage for the basic travel protections necessary on a trip. Pre-existing condition coverage is included (if purchased within 14 days of initial trip deposit) and the plan can be enhanced with rental car coverage too.

The Drawbacks: The medical and evacuation coverage limits are relatively low when compared to other plans, especially if your trip is outside the U.S.

The Bottom Line: This plan provides coverage for the travel basics: cancellation, interruption, emergency medical and evacuations, but the coverage limits are not high.

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Coverage

Benefits	Maximum
Trip cancellation	100% (maximum trip cost $10,000)
Trip interruption	100%
Travel delays (6 hours or more)	$150
Medical expenses	$10,000
Emergency evacuations	$50,000
Baggage loss	$500
Baggage delay (24 hours or more)	$100
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Covered reasons for trip cancellation and interruption are relatively broad, including death and illness, foreign and domestic terrorism (within 30 days of departure), natural disasters, and jury duty.
Pre-existing medical conditions covered if plan is purchased within 14 days of initial trip purchase and 100% of non refundable trip costs are covered.
Plan includes 24-hour emergency assistance services for medical and travel emergencies, legal assistance, emergency cash, flight information and more.

Optional Coverage

The following optional coverage is available when you purchase this plan:

Optional rental car damage protection for up to $35,000 at just $9 a day.

Limitations

The following are the limitations on this plan’s coverage:

Medical and evacuation coverage is relatively low when compared to other plans – especially if you are traveling abroad.
Baggage delay time frame is relatively long and the coverage is relatively low when compared to other plans.
For trips over 30 days in length, and additional daily rate of $3 applies.
No coverage for supplier default is available.
No missed connection coverage.
No coverage for AD&D or flight accidents.
Plans with 0$ trip cost will not have trip cancellation or interruption benefits.