Travel Insurance Select Elite Review
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This travel insurance plan is perfect for…
- General Travel/Vacationers- This is a very well-rounded plan that provides the highest level of travel insurance coverage
- Luxury travelers- This plan provides very extensive coverage for the discriminating traveler
Overview of Travel Insurance Select Elite from Travel Insurance Services:
- Provides up to $100,000 of emergency medical and accident coverage
- UP to $2,000 for baggage loss
- Up to $1,000,000 of emergency medical evacuation coverage
This plan is ideal for U.S. and Canadian residents traveling anywhere in the world. It provides basic traveler’s insurance benefits and coverage, plus a little extra coverage for pre-existing conditions (when necessary) and a terrorism benefit.
This plan automatically includes access to 24-hour assistance with multilingual support to locate and arrange for medical care or evacuation. Worldwide phone services are available to support you from anywhere in the world. The representatives can arrange for medical evacuation, locate medical facilities, arrange airfares, coordinate emergency cash transfers, relay emergency messages to family, and more.
Benefits are priced on a per traveler basis and age-rated. A unique addition to this plan is the Live Travel Service, which provides 24-hour access to a certified travel agent to assist with emergency travel arrangements such as rebooking flights, hotel arrangements or replacing lost credit cards. This plan also includes concierge services, which can help you with restaurant referrals and reservations, theater or event tickets, floral delivery services and golf course recommendations, when required. This plan includes the Cancel for any reason coverage, which provides up to 75% of your trip costs if the trip must be canceled within 21 days of the initial payment or deposit.
Where to buy this policy:
1. Compare Quotes from all companies- If you are still undecided but would like to start with some quotes, the best way 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 Travel Insurance Select Elite?
Pre-departure trip cancellation
This coverage provides reimbursement for non-refundable trip payments and deposits if you must cancel your trip before it starts. This plan provides trip cancellation coverage up to the trip cost.
Trip Interruption
This coverage provides reimbursement for non-refundable costs or deposits related to your trip if it is interrupted after it starts. This plan provides trip interruption protection up to 150% of the trip costs.
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 12 hours. This plan provides up to $250 per day to a maximum of $1,500.
Emergency Medical Assistance
This coverage provides emergency medical coverage if you become ill or are injured while traveling and need medical attention. This plan provides up to $100,000 for reasonable and customary medical and surgical services as a result of an injury or illness, including emergency dental treatment.
Emergency Medical Transportation/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. This plan provides up to $100,000 in coverage.
Baggage loss or delay
This coverage provides reimbursement for essential items related to your trip if your luggage is delayed more than 24 hours or permanently lost. This plan provides up to $1,000 for lost luggage, and $100 per day for delayed luggage.
Accidental death and dismemberment provides up to $50,000.
Pre-existing medical condition waiver
A 60-day pre-existing medical condition exclusion is waived if coverage is purchased within 15 days of the first payment or deposit on the trip.
Terrorism
Acts of terrorism are covered if the plan is purchased within 15 days of your initial trip deposit or payment.
LiveTravel Service for 24-hour access to a certified travel agent
Concierge Services for 24 hour concierge services
Primary medical
The medical expense benefit will be paid without regard to other group, health, or accident insurance which may also cover the expenses.
Exclusions:
The Elite option is not available to residents of NY or WA at this time.
Where to buy this policy:
1. Compare Quotes from all companies- If you are still undecided but would like to start with some quotes, the best way 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.
