Elements Plans (Individual & Family) Review
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The Drawbacks: Overall lower coverage amounts, which keeps the plan cost down but some travelers might want higher coverage.These travel insurance plans are perfect for…
- Individuals seeking budget-minded yet comprehensive coverage
- Families seeking budget-minded yet comprehensive coverage
Overview of the Elements plans from TravelSafe:
- Affordable priced plans
- 24 hour emergency assistance
- Varying coverage amounts depending on whether you choose Individual or Family
When traveling with family or alone, your primary interest is to ensure that the money invested by your family members or yourself can be returned to you if an unfortunate event occurs before or during your travel. The TravelSafe Elements plan is intended specifically to cover families traveling together or individuals traveling solo.
Where to buy these policies:
1. Buy Direct from company- Get a quote and purchase directly from the TravelSafe Insurance website here. This is a good choice if you have decided on TravelSafe, and are ready to purchase.
2. 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?Individual Plans
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.
Post-departure trip interruption
This coverage provides reimbursement for non-refundable costs or deposits related to your trip if it is interrupted after it starts.
Travel delays
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 plan means 8 hours or more. Coverage is limited to $100/per day ($500 maximum).
Accident and sickness 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 $25,000 of coverage.
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 provides coverage for repatriation or return of remains and provides coverage up to $50,000.
Baggage and personal effects
This coverage provides reimbursement for lost, stolen, or damaged baggage and personal effects up to $1,000.
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 or more. This plan provides coverage for up to $150.
Optional coverages include:
‘Cancel for any reason’ benefit up to 75% of non-refundable trip cost
Coverage limitations for individual plans:
Trips totaling 30 days or less
Travelers aged 65 or less
Trips costing less than $15,000 per person
Family Plans
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.
Post-departure trip interruption
This coverage provides reimbursement for non-refundable costs or deposits related to your trip if it is interrupted after it starts.
Travel delays
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 plan means 8 hours or more. Coverage is limited to $300/per day ($1,500 maximum).
Accident and sickness 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 $25,000/per person of coverage, or up to $50,000/per family.
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 provides coverage for repatriation or return of remains and provides coverage up to $50,000/per person or up to $250,000/per family.
Baggage and personal effects
This coverage provides reimbursement for lost, stolen, or damaged baggage and personal effects up to $1,000/per person or up to $2,500/per family.
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 or more. This plan provides coverage for up to $150/per person or up to $750/per family.
Optional coverages include:
‘Cancel for any reason’ benefit up to 75% of non-refundable trip cost
Coverage limitations for family plans:
Trips totaling 30 days or less
All travelers must be aged 65 or less
A maximum of seven insured persons per policy
Trips costing less than $30,000 per total family
Where to buy these policies:
1. Buy Direct from company- Get a quote and purchase directly from the TravelSafe Insurance website here. This is a good choice if you have decided on TravelSafe, and are ready to purchase.
2. 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.
