Enhanced 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
- Travelers seeking higher levels of comprehensive coverage- Enhanced has additional coverages and higher levels of coverage, making it a top-notch trip insurance policy.
Overview of Enhanced from M.H. Ross:
- Provides $50,000 of emergency medical and accident coverage
- $1,500 coverage for lost, stolen, or damaged baggage, including golf equipment
- $50,000 of emergency medical evacuation coverage
The Travel Insurance Services Enhanced travel plan allows a maximum trip duration of 180 days and includes a full range of basic, expected features along with some useful and advanced features such as coverage for supplier bankruptcy or financial default, terrorism, pre-existing medical conditions (with some exclusions) and rental car benefits. Emergency medical evacuation is a unique feature of this plan along with air flight benefits and flight accident coverage. This plan is a truly comprehensive plan with standard 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 an impromptu tee time at a local golf course.
This plan is ideal for individuals and families who have some extra costs associated with their travel and want comprehensive coverage for the normal expenditures plus a little extra.
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 Enhanced?
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 $30,000 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 $200 per day for a maximum of $1,000.
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 $45,000 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 $50,000 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.
Common Carrier accidental death and dismemberment coverage up to $50,000.
Travel accidental death and dismemberment coverage up to $10,000.
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 $200 per day for a maximum of $400.
Baggage and personal effects
This coverage provides reimbursement for lost, stolen, or damaged baggage and personal effects up to $1,500.
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.
Primary Rental Car Damage Benefit
Provides primary coverage if the car you rented is damaged while in your possession. This coverage provides up to a maximum of $25,000.
Accidental death and dismemberment flight benefits up to $100,000
Emergency Medical Evacuation
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 remains up to $1,000,000.
Optional coverage you can purchase:
- Flight accident coverage up to $300,000
- Flight accident coverage with the Executive Upgrade up to $500,000 (must purchase policy within 15 days of trip deposit)
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.
