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Travel Insurance
*Travel Insurance Provided by Travelex
Types of Coverages
Example Plans
Glossary
Typically, travel insurance is sold as a package of various coverages. These coverages differ depending on the plan. However, most travel insurance plans include coverages for:
- Trip Cancellation
- Baggage and Personal Effects
- Emergency Medical
- Travel Accident
- Medical Evacuation
Some plans place limitations on their provided coverages. For instance, the coverage may only apply to certain situations or there may be a limit to the amount of reimbursement given. Therefore, it is best to check if your plan has any limitations.
Examples of Travel Insurance Plans
Select Plan
- Trip Cancellation: 100% of insured trip cost
- Trip Interruption: 150% of insured trip cost
- Trip Delay: $2,000 ($250/day)
- Missed Connection: $750
- Emergency Medical & Dental Expense: $50,000
- Emergency Medical Evacuation & Repatriation: $500,000
- Baggage & Personal Effects: $1,000
- Baggage Delay: $200
- Sporting Equipment Delay: $200
- AD&D: $25,000
- Kids-Included Pricing: Yes
- Travel Assistance: Included
Basic Plan
- Trip Cancellation: 100% of insured trip cost
- Trip Interruption: 100% of insured trip cost
- Trip Delay: $500 ($250/day)
- Missed Connection: $500
- Emergency Medical & Dental Expense: $15,000
- Emergency Medical Evacuation & Repatriation: $100,000
- Baggage & Personal Effects: $500
- Baggage Delay: $100
- AD&D: $10,000
- Kids-Included Pricing: No
- Travel Assistance: Included
Domestic Travel Plan
- Trip Cancellation: 100% of trip cost up to $750
- Trip Interruption: 150% of trip cost up to $1,125
- Trip Delay: $2,000
- Missed Connection: $2,000
- Emergency Medical & Dental Expense: $50,000
- Emergency Medical Evacuation & Repatriation: $100,000
- Baggage & Personal Effects: $250,000
- Baggage Delay: $1,000
- Sporting Equipment Delay: $2,000
- AD&D: $25,000
- Kids-Included Pricing: Coverages shared between the insured and up to 7 more people
- Travel Assistance: Included
- Pet Medical Expense: $1,000 ($50 deductible)
- Pet Return: $10,000
Glossary
Trip Cancellation
Have to suddenly cancel your trip? This coverage will reimburse you for any prepaid, non-refundable travel expenses you may have. Insurance plans can vary on acceptable reasons for a trip cancellation and the amount of reimbursement you will be given. Valid reasons for cancelling your trip usually include natural disasters, sudden death or injury, and pressing work circumstances.
Trip Interruption
What if your trip gets interrupted after you have departed? This coverage can help reimburse you for your unused, non-refundable, prepaid travel expenses. If the interruption causes you to stay at a destination longer than expected, this coverage can also cover additional expenses for travel and lodging.
Trip Delay
In the event that your trip gets delayed for an extended period of time, this coverage can help reimburse you for any additional expenses you obtain because of the delay.
Emergency Medical
This coverage covers any emergency medical expenses that you may obtain while traveling abroad. Medical coverage can vary based on the length of coverage and the types of medical expenses covered. For example, some emergency medical coverages include emergency medical evacuations while others sell the two policies separately.
Emergency Medical Evacuation
This coverage provides transport assistance to the nearest hospital in the event of a medical emergency. If your condition worsens, some plans will cover transport back to a hospital in your home country.
Missed Connection
In the event that you unexpectedly miss your flight, this coverage can reimburse you for unused flight tickets and additional transportation expenses.
Baggage and Personal Effects
This coverage will compensate you for any lost, stolen, or damaged luggage and personal belongings.
Travel Accident (AD&D)
Also known as Accidental Death and Dismemberment (AD&D), this coverage provides benefits to beneficiaries in case of accidental injuries, dismemberment, and deaths that may occur while traveling. In other words, this coverage acts as a sort of life insurance for when you travel.
Travel Assistance
This coverage provides you support services in case of an emergency while you are traveling. Services can include medical and legal assistance. For instance, if you need help getting a prescription or you lost your passport, travel assistance can help you. Similarly, 24/7 Travel Assistance provides support services while you are traveling, but at all hours of the day.
*For more information on these coverages, please visit Travelex’s website
*Travel Insurance Provided by Travelex
We Care Insurance does not provide or offer travel insurance. If you have questions about a specific plan or your policy please call your travel insurance company, not us. All travel insurance is provided by Travelex. If you have further questions, please refer to their website.
Travelex Phone Number: 1-800-228-9792
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