$400 Baggage Delay:
Reimbursement (up to $100 a day) for purchasing essential items (i.e., toiletries) when bags are delayed more than 12 hours.

$25,000 Medical Expense:
Covers emergency medical expenses incurred while traveling; includes emergency dental treatment.

$500,000 Emergency Medical Transportation:
Covers evacuation and transportation to the nearest adequate medical facility when required by an attending physician; also includes cost for a medical escort.

24-Hour Worldwide Emergency Assistance*:
24-hour emergency telephone assistance hotline provided by Travel Guard to help with travel-related emergencies ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring.

Q. Are the benefits listed per insured or per booking?

A. The benefits listed are the total per booking. For example if the insured purchased travel insurance coverage for a trip costing a total of $2,000, this would be the maximum reimbursement allowable under trip cancellation or interruption for that booking.

Q. Will my current homeowners, renters, credit card, or health insurance policies cover me during my trip?

A. Other insurance policies may not offer coverage while you travel due to benefit limits, territory restrictions, and deductibles. Most people don't have any insurance coverage at all if they must cancel their trip. This travel insurance plan has a wide range of travel benefits, which credit card, homeowners, and renter's insurance policies most likely do not offer. The medical coverage included in the travel insurance plan is especially beneficial for people whose health insurance policies do not pay for covered medical expenses incurred outside of the United States (e.g., Medicare, certain HMO's, etc.)

Q. I know that I have a pre-existing medical condition; will the plan cover me?

A. Even if you have a pre-existing medical condition you should still consider purchasing the travel insurance plan because we will waive the Pre-Existing Condition exclusion if you are enrolling in the plan and pay for it within 14 days of your initial deposit. So long as you are medically able to travel at time of purchase, waiving the Pre-Existing Condition exclusion is the easiest way to alleviate doubt as to coverage for chronic medical conditions. There are some conditions that are not covered by the policy such as anxiety-related mental or nervous disorders. Please see the Exclusions section of the Description of Coverage to view the exclusions and the conditions not covered.