Review of Deluxe from Access America | Travel Insurance Review

Editor Review

The Good: This is excellent, comprehensive travel insurance protection with high limits that should be adequate for just about any travel emergency. High rental car protection is included in the base plan, along with a number of extras like change fee reimbursement, frequent flyer point redeposit fee reimbursement, and enhanced travel assistance services.

The Drawbacks: A higher-priced plan may not be suitable for budget-minded travelers. No flight accident AD&D.

The Bottom Line: This is Access America’s top-notch comprehensive travel insurance plan, with the highest levels of protection and coverage. It covers every expected travel insurance benefit and offers a high number of included extras.

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.

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Coverage

Benefits	Maximum
Trip cancellation	100% (maximum trip cost $100,000)
Trip interruption	150%
Missed connections (24 hours or more)	$1,500
Travel delays (6 hours or more)	$300 per day/$1,500 maximum
Medical expenses	$50,000
Emergency evacuations	$1,000,000
Baggage loss	$2,500
Baggage delay (24 hours or more)	$600
Car rental collision	$50,000
AD&D	$50,000 (24-hour)
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Plan includes change fee coverage of $250.
Includes frequent flyer redeposit fees up to $250.
Includes 24-hour emergency travel assistance plus access to a unique YourDeluxeTrip.com service for valuable travel information including currency conversions, local customs, and more.
Travel concierge services are also included.
Pre-existing medical conditions and financial default are covered if plan is purchased within 14 days of initial trip deposit.
Covered reasons for trip cancellation and interruption are extensive and include job loss, traffic accidents, natural disasters, separation and divorce, normal pregnancy, and more.
The missed connection coverage is high, as is trip delay coverage, baggage coverage, emergency medical and emergency transportation.
Plan includes $50,000 in rental car protection in the base plan (some countries are excluded from coverage) and covers damage and theft.