Review of Classic from Access America | Travel Insurance Review

Editor Review

The Good: This plan covers all the essential benefits with adequate limits and includes a lot of extras like coverage for change fees and redepositing frequent flyer points. Medical coverage is primary, and optional benefits enhance the plan with rental car coverage and cancellations due to work reasons. Kids under 18 are covered at no additional cost.

The Drawbacks: The medical coverage may be low if you’re traveling outside the U.S., and there’s no coverage for AD&D or flight accidents. Not available to residents of all U.S. states.

The Bottom Line: This is a comprehensive travel insurance with adequate limits for most of the benefits. While emergency medical coverage may be low, the evacuation coverage is high, as is travel delay and missed connection coverage. Plus, the plan offers some valuable extras and optional plan add-ons at very affordable prices.

How to get a quote & buy online

Quote and buy direct: Get a quote directly at the Access America website. A good choice if you know you want an Access America plan and are ready to enroll.

Compare plans from all companies: Use our travel insurance comparison tool to compare plans from all companies, get quotes, and buy online.

Coverage

Benefits	Maximum
Trip cancellation	100% (maximum trip cost $100,000)
Trip interruption	150%
Missed connections (24 hours or more)	$800
Travel delays (6 hours or more)	$200 per day/$800 maximum
Medical expenses	$25,000
Emergency evacuations	$500,000
Baggage loss	$1,000
Baggage delay (24 hours or more)	$300
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Kids under 18 are covered at no additional cost.
Covered reasons for trip cancellation and interruption are extensive and include job loss, felonious assault, normal pregnancy, legal separation or divorce, natural disasters, financial default, and more,
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 up to $250 for redepositing frequent flyer points.
Change fees are also covered up to $250.
Plan includes 24-hour emergency assistance services for medical and travel emergencies, legal assistance, emergency cash, flight information and more.
Financial default coverage included if purchased within 14 days of initial trip deposit (conditions apply).

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.
Optional ‘cancel for work reasons’ coverage available for only $25/per adult (purchase within 14 days of initial trip deposit).

Limitations

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

No coverage for AD&D or flight accidents.
Plans with 0$ trip cost will not have trip cancellation or interruption benefits.
The coverage limit for medical care may be limited if your trip is outside the U.S.
The baggage delay time frame is relatively long when compared to other plans.