Review of Complete from MH Ross | Travel Insurance Review

Editor Review

The Good: This coverage is available to travelers up to age 75 and you can cover trips costing as much as $100,000 per person. Very high plan limits. It automatically includes ‘cancel for any reason’ coverage for up to 100% of trip costs and rental car damage protection up to $30,000.

The Drawbacks: Only available for U.S. and Canadian citizens and residents.

The Bottom Line: As the name implies, this is complete travel protection with high benefit limits and many extras included in the base plan. Purchase early for automatic pre-existing medical condition and supplier default protection.

How to get a quote & buy online

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 $100,000)
Trip interruption	200%
Missed connections (3 hours or more)	$1,500
Travel delays (8 hours or more)	$200 per day/$1,000 maximum
Medical expenses	$250,000
Emergency evacuations	$500,000 (non medical emergency evacuations up to $25.000)
Baggage loss	$2,000
Baggage delay (12 hours or more)	$200 per day/$400 maximum
‘Cancel for any reason’ (up to 100%)	Included (see the penalty schedule)
Car rental collision	$30,000
AD&D	$25,000 (24-hour)
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

High benefit limits for all coverages.
‘Cancel for any reason’ included in base plan for up to 100% of trip costs. Cancel your trip within two days of scheduled departure with this coverage. See the penalty schedule.
Cancel your trip for a covered reason up to the time of departure with trip cancellation in base plan.
Includes emergency dental treatment due to injury up to $750.
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 $25,000.
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 R790C).
Includes additional reimbursement of up to $500 for unused non refundable payments for shore excursions, theater, tour and other costs if you have to interrupt your trip for a covered reason.
Covered reasons for trip cancellation and interruption include revoked leave, required to work, mandatory evacuations, felonious assault, hurricanes, and more.
Includes up to $150 for airline-imposed fees to rebank frequent flyer miles if you have to cancel your trip for a covered reason.

Optional Coverage

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.