Review of Trip Protector Lite Expanded from Travel Insured International

Editor Review

The Good: This plan that covers all the basics: cancellation, interruption, missed connections, delays and baggage plus medical and evacuation. One child under 18 per insured adult is covered free. Expand the coverage with upgrades for higher medical limits. Purchase within 14 days of your initial trip deposit for access to pre-existing medical condition coverage and optional ‘cancel for work reasons’ coverage. Coverage applies to trips up to 30 days in length.

The Drawbacks: This plan has some deductibles for baggage as well as medical. Plans with $0 trip costs have reduced benefits. The time limit for baggage delays is relatively long (24 hours) and the payout is relatively limited ($200).

The Bottom Line: An affordable, family-friendly travel insurance plan that you can expand with optional upgrades. Covered reasons for trip cancellations are broad and include natural disasters, strikes, terminations and terrorist attacks among others. Upgrade prices are clearly labeled in the plan brochure. The plan offers a long review period and can be cancelled with only an $8 administration fee.

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Coverage

Benefits	Maximum
Trip cancellation	100% (maximum trip cost $50,000)
Trip interruption	100%
Missed connections (6 hours or more)	$200
Travel delays (12 hours or more)	$100per day/$500 maximum
Medical expenses	$15,000 ($50 deductible)
Emergency evacuations	$100,000
Baggage loss	$750 ($50 deductible)
Baggage delay (24 hours or more)	$200
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Covered reasons for trip cancellation are broad and include bankruptcy of travel supplier, traffic accidents, terrorist attacks, natural disasters, termination or layoff, school year extensions, and more.
One child under 18 is free per insured adult.
Purchase within 14 days of your initial trip deposit and you are eligible for pre-existing medical condition coverage and ‘cancel for work reasons’ coverage.

Optional Coverage

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

Optional AD&D and you choose the amount.
Optional car rental coverage up to $25,000 for just $7 per day (limitations on residents of WA and TX apply).
Optional ‘cancel for work reasons’ up to the insured trip costs for just $24 per person.
Optional sports coverage (combined maximum of $1,000 per person) includes pre-paid greens fees and ski passes for just $30 per person.
Optional medical and evacuation upgrade for increased limits at only $25 per person.

Limitations

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

No AD&D in base plan.
Emergency medical coverage limit is relatively low when compared to other plans and considering the plan covers adults plus children (consider the optional upgrade).
No ‘cancel for any reason’ available.