TRAVEL PROTECTION PLAN
We want your trip to be worry-free. That’s why we list the cost of our tour protection plan with our vacation packages. It can save you time and money, and provide greater peace of mind.  Our Travel Protection Plan is affordably priced and provides valuable coverage for your vacation:

Included:  Pre-existing Conditions Exclusion Waiver
When this protection plan is purchased to cover the full tour cost within 14 days of your initial deposit, and you are medically able to travel at the time of purchase (and have not filed a claim for trip cancellation due to a pre-existing illness within 120 days of the effective date of this insurance), the Pre-existing Conditions Exclusion will be waived.  The Pre-existing Conditions Exclusion Waiver is not available to Canadian residents.
The following is a brief description of the coverage available.

• Trip Cancellation/Interruption*: Coverage provides financial protection for expenses related to trip cancellation or interruption caused by a covered reason. Trip cancellation provides reimbursement for prepaid, non-refundable expenses, up to the amount of coverage purchased. Trip interruption coverage offers reimbursement for the unused, non-refundable portion of the trip and increased transportation costs to return home due to a covered reason. Some covered reasons include:

• A terrorist act committed by an organized terrorist group (recognized as such by the U.S. State Department) if it results in property damage, injury or loss of life in a domestic or foreign city within 30 days of scheduled arrival in that city. 
• Illness, injury or death of traveler, a covered family member or traveling companions. This coverage also extends to employed caregivers who live with the traveler and a person with whom the traveler lived for 12 continuous months prior to the effective date of coverage.
• Financial default of selected airline carriers that results in the complete cessation of services. Supplier default is only provided if the traveler purchases insurance within 14 days of initial trip payment or deposit, financial default occurs more than 7 days after the policy’s effective date and the travel supplier is listed on our list of covered suppliers.
• Strikes, natural disasters, bad weather, or FAA mandated shutdown resulting in the complete cessation of services by an airline, tour operator or cruise line for at least 24 consecutive hours.
• Normal pregnancy (for Trip Cancellation only) of the traveler (or the anticipated due date of an immediate family member and the traveler plans to attend the childbirth), if the pregnancy occurs after the effective date of insurance.

• Travel Delay*: Offers reimbursement to cover additional accommodation and travel expenses due to a delay of at least 6 hours. Covered reasons for travel delay include carrier caused delays (including bad weather) and unannounced strikes. Payments may not exceed $150 per person per day.
• Missed Connection*: Provides reimbursement of up to $500 to cover certain expenses caused by a covered delay that forces the traveler to miss the scheduled flight or cruise.
• Baggage Coverage*: Provides benefits for loss, damage or theft of baggage and personal effects provided all reasonable measures to protect, save and/or recover property are taken. Coverage is secondary to coverage provided by a common carrier.
• Baggage Delay*: Covers the reasonable additional purchase of essential items if baggage is delayed or misdirected by a common carrier for 24 hours or more.
• Emergency Medical/Dental Coverage*: Provides benefits for emergency medical or dental expenses incurred during the coverage period. Services must be provided by a licensed provider and must take place during the trip.
• Travel Accident Insurance*: Provides coverage up to the maximum amount listed on the brochure for loss of life, limb or eyesight within 365 days of a covered accident.
• Emergency Medical Transportation: Pays for emergency medical transportation services as a result of an injury or illness to have the traveler moved to the nearest appropriate facility. Once you are able, we will also have the traveler returned home. 
• 24 Hour Emergency Travel & Medical Assistance: Multilingual representatives are on call 24 hours a day to help you solve a variety of problems, from replacing lost tickets and travel documents to making cash transfers.