Basic Review
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This travel insurance plan is perfect for…
- Vacation Travelers-This plan is a good, overall package plan suitable for most travelers
Overview of Basic from M.H. Ross:
- Provides $25,000 of emergency medical and accident coverage
- $1,000 coverage for lost, stolen, or damaged baggage, including golf equipment
- $50,000 of emergency medical evacuation coverage
The Travel Insurance Services Basic travel plan allows a maximum trip duration of 31 days and includes some advanced features such as coverage for supplier bankruptcy or financial default, terrorism, and pre-existing medical conditions (with some exclusions). This plan is a truly comprehensive plan with expected benefits for trip cancellation, interruption and delay, and loss or delay of baggage.
The WeCare Traveler Assistance and Concierge services are a standard feature. The WeCare representatives can help you navigate many common and complicated travel problems that can occur after your departure, including emergency medical referrals, arrangement for evacuation, translation services, relay of messages to family and friends, emergency cash advanced, assistance replacing lost or stolen travel documents or tickets, and much more. The Concierge Services can provide dining reservations, arrange for flower delivery, provide information on local sightseeing tours and schedule a impromptu tee time at a local golf course.
This plan is ideal for individuals and families who want basic coverage that protects them against a wide array of common incidents that can occur while traveling.
Where to buy this policy:
1. Buy direct from the company- Get a quote and purchase this plan directly from TripInsurance.com (the M.H. Ross website)
2. Compare this plan with other plans- The best way to buy travel insurance is to use a comparison website (similar to using Expedia or Travelocity for airline tickets). There are several, but we recommend a comparison site called Squaremouth.com to get instant quotes and purchase online. Squaremouth.com only works with reputable companies, and you can get instant quotes and purchase instantly online with a credit card.
What is the coverage with Basic?
Trip Cancellation
This coverage provides reimbursement for non-refundable trip payments and deposits if you must cancel your trip before it starts. This coverage reimburses the trip cost up to a $15,000 maximum.
Trip Delay
This coverage provides reimbursement for means and accommodations related to your travel if it is delayed more than the defined number of hours in the policy, which in this case is more than 6 hours. This coverage reimburses up to $100 per day for a maximum of $500.
Trip Interruption
This coverage provides reimbursement for non-refundable costs or deposits related to your trip if it is interrupted after it starts. . This coverage reimburses up to $150% of the entire trip cost to a $15,000 maximum.
Emergency Medical Expenses
This coverage provides emergency medical coverage if you become ill or are injured while traveling and need medical attention. This plan provides up to $25,000 in emergency medical costs.
Emergency Medical Evacuation & Repatriation of Remains
This coverage provides reimbursement for the cost to transport you or other covered members of your party to a medical facility to receive care. This coverage also ensures repatriation or return of mortal remains up to $50,000.
Baggage Delay
This coverage provides reimbursement for essential items related to your trip if your luggage is delayed more than the defined number of hours in the policy, which in this case is 12 hours. The coverage provides up to $250.
Baggage and personal effects
This coverage provides reimbursement for lost, stolen, or damaged baggage and personal effects up to $1,000.
Bankruptcy/Financial Default of Travel Suppliers
This unique feature provides reimbursement for pre-paid expenses if a travel supplier is in bankruptcy or financial default when you arrive. This coverage must be purchased within 15 days of the trip deposit.
Pre-existing Condition Exclusion
This policy does not cover trip cancellation or interruption or emergency medical benefits if they result from an undisclosed pre-existing condition occurring within 60 days of travel.
Waiver of Pre-existing Exclusion
The Company will waive pre-existing conditions to a maximum of $25,000 provided the insurance is purchased within 15 days of trip deposit, the insured had not filed a claim for trip cancellation/interruption due to sickness or injury within 90 days, and the condition is not excluded by general exclusions and limitations.
Where to buy this policy:
1. Buy direct from the company- Get a quote and purchase this plan directly from TripInsurance.com (the M.H. Ross website)
2. Compare this plan with other plans- The best way to buy travel insurance is to use a comparison website (similar to using Expedia or Travelocity for airline tickets). There are several, but we recommend a comparison site called Squaremouth.com to get instant quotes and purchase online. Squaremouth.com only works with reputable companies, and you can get instant quotes and purchase instantly online with a credit card.
