Review of Student Group Basic from Travel Insured International

Editor Review

The Good: This plan provides strong cancellation, interruption and delay protection and is best for student groups where members already have emergency health protection. Optional ‘cancel for any reason’ can be selected by individual group members or the entire group for up to 75% of pre-paid non refundable trip cost reimbursement. Coverage for pre-existing conditions is available if plan is purchased before the final trip payment.

The Drawbacks: The look-back period for pre-existing medical conditions is long (180 days) and there is no coverage for missed connections, lost or delayed baggage, or travel accidents. At least 10 travelers must be on the trip with the same travel dates and all travelers must be insured. Plus, the full cost of the group trip must be insured. Not all benefits are available to residents of all states.

The Bottom Line: This is a great group plan for domestic student trips because the rates are not age-restricted and there is no medical coverage included.

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Coverage

Benefits	Maximum
Trip cancellation	100%
Trip interruption	150%
Travel delays (8 hours or more)	$150 per day/$750 maximum
Emergency evacuations	$100,000
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

The group plan rates are the same for students and their adult guides.
Coverage for pre-existing conditions is available if plan is purchased before final trip payment.
Covered reasons for trip cancellation and interruption are broad and include natural disasters, terrorist attacks, strikes, supplier default, traffic accidents and more.
Includes worldwide travel assistance services to help with medical evacuations, repatriations, medical referrals, translation services, and more.
Evacuation coverage includes a bedside visit if you are hospitalized more than 7 days.

Optional Coverage

The following optional coverage is available when you purchase this plan:

Optional ‘cancel for any reason’ available for up to 75% reimbursement (upgrade must be purchased at time of original plan purchase).

Limitations

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

At least 80% of those traveling must be 35 years old or younger.
All travelers must participate in the plan.
All travelers must be traveling to the same destination with the same departure and return dates.
You must insure the full cost of the group trip.
Plan does not include medical coverage, missed connection coverage, baggage coverage or travel accident coverage.