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MH Ross – Complete

Editor Review

complete-mh-rossThe Good: This coverage is available to travelers of any age and you can cover trips costing as much as $100,000 per person. Includes primary medical benefit coverage and trip cancellation for work reasons. Very high plan limits. It automatically includes ‘cancel for any reason’ coverage for up to 100% of trip costs if purchased early (within 15 days of initial trip deposit).

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

The Bottom Line: This travel protection plan has high benefit limits and many extras are included in the base plan. It automatically includes ‘cancel for any reason’ coverage for up to 100% of trip costs if purchased within 15 days of initial trip deposit.

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.
Coverage
Benefits Maximum
Trip cancellation 100% of trip cost (maximum trip cost $100,000)
Trip interruption 200% of trip cost
Missed connections (3 hours or more) $1,500
Travel delays (6 hours or more) $200 per day/$1,000 maximum
Medical expenses $250,000 (primary)
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 coverage.
  • ‘Cancel for any reason’ included in base plan for up to 100% of trip costs (purchase within 15 days of initial trip deposit). You must cancel your trip within two days of scheduled departure as well as inurse 100% of travel costs subject to cancellation penalties or restrictions for 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 if you are hospitalized more than 7 consecutive days.
  • Includes bedside visit if you are hospitalized more than 7 consecutive days.
  • Non-medical emergency evacuations are also covered with the evacuation benefit (conditions apply) up to $25,000.
  • Hospital of choice evacuation coverage is included (subject to conditions) up to the plan maximum.
  • Includes unique online medical record service through Global Xpi (use program code R795C).
  • Includes additional reimbursement of up to $500 for unused nonrefundable 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 hurricane warnings, and more. Epidemics and pandemics are also included.
  • Includes up to $150 for airline-imposed fees to re-deposit 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 ($7 per day).
  • Optional extended personal property for $1,000 additional electronic (cell phones, laptops, tablets, and PDSs) and sports equipment coverage ($15 per person and a $100 deductible applies).

Limitations

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

  • No coverage available for hazardous or adventure sports.

Related MH Ross Plans


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.