Why Buy Travel Insurance?
Program Protection insurance is a package of benefits and services designed to protect you in three ways: 1) to reimburse you for your financial investment (i.e. the cost of your program arrangements) should a variety of unforeseen reasons force you to cancel or interrupt your program or delay you while traveling; 2) most importantly, to protect you against the costs incurred during your program for medical expenses, a medical evacuation, services to assist you in an emergency situation; and 3) to protect against loss, damage or destruction of your personal belongings.
Some things are beyond our control. Program Protection insurance provides coverage for: Program Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Program Delay and much more.
Our plans include Non-Insurance 24-Hour Assistance Services to help you in emergency situations and we also include a service to register your important medical information which then can be accessed should the need arise during your program.
Remember, many of your program arrangements may be either non-refundable or subject to strict cancellation penalties. The lowest cost airfares, cruise and land packages generally include significant penalties if you are unable to actually take your trip.
Baggage/Personal Effects Loss
You have heard it before, leave your valuables at home! But sometimes a camera or expensive clothing is taken on the trip and is lost or stolen.
Bankruptcy & Default Protection
What if your airline or tour operator ceases operations due to bankruptcy and no other airline can meet your needs? We have plans to cover a program cancellation or interruption due to Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the program supplier from whom you purchased program arrangements). Additional terms apply.
Program Cancellation or Interruption
Do you want to protect your prepaid program costs if you must cancel or interrupt your program? Program Cancellation and Interruption protects the financial investment you’ve made in your program arrangements against a variety of covered reasons, both medical and non-medical, that may affect you or your program plans.
Does your health insurance cover you away from home? Our plans cover on-trip medical expenses and also provide coverage for medical transportation costs if you must be medically evacuated to receive appropriate care for an acute or life-threatening sickness or injury.
Terrorist Attacks that disrupt travel plans are an unfortunate reality. If you must cancel or interrupt your program due to an unforeseen Terrorist Incident, our plans can help minimize the financial loss that you may incur.
Rental Car Damage – Optional Coverage
Rental car companies charge high fees to cover collision or other damage to a rental vehicle. Rental Car Damage is available to protect you from this damage liability.