Editor Review
The Good: This plan offers good trip cancellation and interruption coverage as well as high medical and evacuation benefits, including automatic coverage for pre-existing medical conditions if plan is purchased prior to or within 24 hours of your final trip payment. Plan covers 100% of medical, surgical, inpatient, outpatient, and prescription drug costs when traveler is 100 miles or more away from home.
The Drawbacks: This plan requires travelers to have a primary health insurance plan, to be under age 85, and a resident of the U.S. Benefits limited for claims resulting from skiing or underwater diving.
The Bottom Line: Ideal coverage for U.S. travelers – even senior travelers – who care about their travel investment and want to protect themselves from unexpected financial losses due to emergency medical care.
Coverage
| Benefits | Maximum |
| Trip cancellation | 100% (maximum trip cost $30,000) |
| Trip interruption | 100% |
| Travel delays (6 hours or more) | $150 per day/$1,000 maximum |
| Medical expenses | $500,000 |
| Emergency evacuations | $1,000,000 |
| Baggage loss | $1,000 |
| Baggage delay (24 hours or more) | $200 |
| AD&D | $100,000 (flight accident)/$50,000 (24-hour) |
| 24/7 assistance services | Yes |
Plan Details
This plan is unique in that it provides the following:
- Plan covers 100% of medical care with no deductible.
- Includes $250 per tooth up to $500 maximum for emergency dental care.
- Includes bedside visit costs up to $1,500 if traveler is hospitalized or in critical condition.
- Covered reasons for trip cancellation and interruption are injury and illness, acts of terrorism, natural disasters, financial default and more.
- Includes an additional $25 reimbursement to expedite the recovery of wayward baggage.
- Includes 24-hour global health and safety resources, including destination health and security information, HTH drug translation guide, news alerts, and more.
- Includes emergency travel assistance services including cash transfers, replacement medication, embassy services, translation services, concierge services, and more.
Optional Coverage
The following optional coverage is available when you purchase this plan:
- Pre-existing medical conditions covered up to plan limits if purchased prior to or within 24 hours of final trip payment.
Limitations
The following are the limitations on this plan’s coverage:
- Repatriation limited to $25,000
- Claims resulting from downhill skiing or SCUBA diving limited to $10,000.
- Baggage delay protection is low and the time frame is relatively long (24 hours) when compared to other package plans.