Review of Worldwide Trip Protector Gold

Editor Review

The Good: Offering very broad coverage for trip cancellation and interruption, this is their most popular plan. High car rental coverage is included in the base plan, as well as good coverage for delays, missed connections, and baggage losses. Travel accident protection is also included in base plan and trips as long as 180 days are covered.

The Drawbacks: Not all benefits are available to residents of all U.S. states. Plans with $0 trip costs have reduced benefits.

The Bottom Line: It’s easy to see why this is Travel Insured’s most popular plan because it has high limits and inclusive benefits like pet protection, car rental coverage, and AD&D in the base plan. Optional coverage upgrades have simple and affordable per-person pricing, so it’s easy to know how much the coverage will cost right up front.

Quote and buy direct: Get a quote directly at the Travel Insured website. A good choice if you know you want a Travel Insured plan and are ready to enroll.

Benefits	Maximum
Trip cancellation	100% (maximum trip cost $50,000)
Trip interruption	150%
Missed connections (3 hours or more)	$750
Travel delays (6 hours or more)	$200 per day/$1,500 maximum
Medical expenses	$50,000 ($50 deductible)
Emergency evacuations	$1,000,000
Baggage loss	$2,500
Baggage delay (12 hours or more)	$500
Car rental collision	$50,000
AD&D	$100,000 (flight accident)/$25,000 (24-hour)
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

High limits for emergency medical, evacuation and repatriation – plus medical coverage is primary.
Covered reasons for trip cancellation are broad and include school year extensions, job loss, terrorist attacks at your destination, traffic accidents, hospitalization of destination host, pregnancies occurring after the plan effective date, and more.
Purchase the plan within 30 days of initial trip deposit and you’re eligible for pre-existing medical conditions coverage.
Pet care is included in the base plan ($50/day, $300 maximum).
The baggage loss and baggage delay limits are relatively high when compared to other plans, as are the coverage limit for missed connections and travel delays.
Plan includes political evacuation services.
AD&D – flight accident and 24-hour – are included in the base plan, as well as high car rental collision coverage (limitations for residents of TX and WA apply).
Travel Insured International’s worldwide travel assistance services include a high number of services, including translation services, meet and greet services, shopping assistance, emergency cash advances, and more.

Optional Coverage

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

Optional medical upgrade to double the medical coverage and eliminate the deductible for a cost of $25 per person.
‘Cancel for any reason’ upgrade available for up to 75% of trip costs.
‘Cancel for work reasons’ upgrade available at a standard $24 per person cost.
Sports coverage upgrade available at $30 per person.
Optional AD&D available up to the amount purchased.

Limitations

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

Plans with $0 trip cost have reduced coverage.

Related Travel Insured International Plans

Quote and buy direct: Get a quote directly at the Travel Insured website. A good choice if you know you want a Travel Insured plan and are ready to enroll.