Review of Asset from MH Ross | Travel Insurance Review

Editor Review

The Good: A comprehensive travel insurance package plan, Asset includes all of the expected benefits travelers want in a package plan including the Asset Plus upgrade with ‘cancel for any reason’ and primary medical benefits. Missed connection coverage has a short time frame – just 3 hours. Baggage loss benefits are high for a budget plan. Both 24-hour and flight accident AD&D are included. Automatic pre-existing medical condition and supplier default with early bird purchase (within 15 days of initial trip deposit).

The Drawbacks: Depending on your travel destination and the risks, the medical and evacuation coverage may not be enough. Only available to residents of the U.S. and Canada.

The Bottom Line: This is affordable protection for budget-minded travelers that includes many benefits and services found in more expensive plans, including online medical record access and comprehensive one-call travel assistance with business, concierge, and pre-trip services.

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

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Coverage

Benefits	Maximum
Trip cancellation	100% (maximum trip cost $15,000)
Trip interruption	100%
Missed connections (3 hours or more)	$500
Travel delays (8 hours or more)	$125 per day/$625 maximum
Medical expenses	$25,000
Emergency evacuations	$50,000
Baggage loss	$1,000
Baggage delay (12 hours or more)	$100 per day/$200 maximum
AD&D	$25,000 (common carrier)/$25,000 (24-hour)
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Includes emergency dental treatment due to injury up to $750.
Covered reasons for cancellation, interruption, missed connections and travel delays include traffic accidents, transfer of employment, natural disasters, mechanical breakdown, terrorist attacks, inclement weather and more.
Cancel your trip for a covered reason up to the time of departure.
Includes additional trip interruption benefits if you or your traveling companion must remain hospitalized: up to $125 per day in additional accommodation and transportation expenses up to five days.
Includes return of minor children under age 18.
Includes bedside visit if you are hospitalized as well.
Non medical emergency evacuations are also covered with the evacuation benefit (conditions apply) up to .
Hospital of choice evacuations is included (subject to conditions) up to the plan maximum.
Includes unique online medical record service through Global Xpi (use program code R790A).
SCUBA diving covered with diving certification, an accompanying dive master, and depths not to exceed 130 feet.
Includes automatic exclusion for pre-existing conditions if the plan is purchased within 15 days of your initial trip deposit date.
Includes automatic coverage for supplier bankruptcy and default if plan is purchased within 15 days of your initial trip deposit date.

Optional Coverage

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

Purchase the Asset Plus upgrade and get ‘cancel for any reason’ for up to 60% of your non refundable trip costs (purchase within 15 days of your initial trip payment). You must cancel within 2 days of your scheduled departure date and time. See the penalty schedule.
Optional air flight AD&D for $100,000 ($10 per person), $250,000 ($25 per person), or $500,000 ($50 per person).
Optional rental car damage for up to $35,000.
Optional extended personal property for $1,000 additional electronic and sports equipment coverage.
Purchase the Asset Plus upgrade and medical coverage is primary.