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You are here: Home > Companies > MH Ross > Asset Plus

MH Ross – Asset Plus

Editor Review

The Good: The Asset Plus plan includes all of the expected benefits travelers want in a package plan including ‘cancel for any reason’ and primary medical benefits. Missed connection coverage has a short time frame – just 3 hours. Baggage loss benefits are high for a budget plan. Both 24-hour and flight accident AD&D are included. Pre-existing medical condition waiver and ‘cancel for any reason’ are included if purchased within 15 days of initial trip deposit.

The Drawbacks: Depending on your travel destination and the risks, the medical and evacuation coverage may not be enough. Only available to residents of the U.S.

The Bottom Line: This is an affordable travel protection plan for budget-minded travelers that includes many benefits and services found in more expensive plans, including online medical record access and comprehensive one-call travel assistance with business, concierge, and pre-trip services.

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Coverage

BenefitsMaximum
Trip cancellation100% of trip cost (maximum trip cost $50,000)
Trip interruption125% of trip cost
Missed connections (3 hours or more)$1,000
Travel delays (6 hours or more)$150 per day/$750 maximum
Medical expenses$50,000
Emergency medical evacuations$500,000
Baggage loss$1,500
Baggage delay (12 hours or more)$250
‘Cancel for any reason’Up to 75% of non-refundable trip cost
AD&D (24-hour)$25,000
24/7 assistance servicesYes

Plan Details

This plan is unique in that it provides the following:

  • Medical is primary and the plan includes emergency dental treatment due to injury up to $750.
  • Covered reasons for cancellation, interruption, missed connections and travel delays include traffic accidents, transfer of employment, natural disasters, mechanical breakdown, terrorist attacks, strikes, inclement weather and more. Cancel your trip for a covered reason up to the time of departure.
  • Includes ‘cancel for any reason’ for up to 75% of your nonrefundable trip costs if purchased within 15 days of your first trip payment. You must cancel your trip 2 days or more prior to your scheduled departure date and time and insure 100% of the trip costs subject to cancellation penalties or restrictions by the travel supplier.
  • Includes additional trip interruption benefits if you or your traveling companion must remain hospitalized: up to $200 per day in additional accommodation and transportation expenses up to five days.
  • Includes return of minor children under age 18 if you are hospitalized for more than 7 consecutive days.
  • Includes bedside visit if you are hospitalized for more than 7 consecutive days.
  • Hospital of choice evacuation coverage is included (subject to conditions) up to the plan maximum.
  • Includes unique online medical record service through Global Xpi (use program code AR795P).
  • SCUBA diving covered with diving certification from PADI or NAUI.
  • Includes automatic waiver for pre-existing conditions if the plan is purchased within 15 days of your initial trip deposit date.

Optional Coverage

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

  • Optional air flight AD&D for $100,000 ($10 per person), $250,000 ($25 per person), or $500,000 ($50 per person).
  • Optional rental car damage for up to $35,000 ($7 per day).
  • Optional Extended Personal Property just $15 per person for $1,000 additional electronic (cell phones, laptops, tablets, and PDA devices)
  • Optional Sports Upgrade Pac provides medical expenses if injured while participating in a covered sport plus $1,000 in equipment rental fees or non-refundable tickets, green fees, and or/lessons ($25 per person).

Limitations

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

  • No coverage available for hazardous or adventure sports unless optional Sports Upgrade Pac is purchased.
  • Coverage is limited to $10,000 per trip per person. Trip cost maximum is $50,000 per person.
  • Available only to travelers age 65 and under.

Related MH Ross Plans

  • Asset
  • Bridge
  • Complete
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About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

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