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| Compare | Best | A+ Program Protection Preferred + |
| Compare | Best | MH Ross Platinum |
| Compare | Best | TripAssure Complete |
| Compare | Best | Nationwide Premier |
| Compare | Best | US Fire Platinum |
| Compare | Better | A+ Program Protection Preferred |
| Compare | Better | MH Ross Gold |
| Compare | Better | TripAssure Bridge |
| Compare | Better | Nationwide Superior |
| Compare | Better | US Fire Gold |
| Compare | Good | MH Ross Silver |
| Compare | Good | TripAssure Asset |
| Compare | Good | Nationwide Value |
| Compare | Good | US Fire Silver |
Benefit Limits | Nationwide | US Fire | Nationwide | US Fire | Nationwide | US Fire |
|---|---|---|---|---|---|---|
Coverage For Travel Arrangements | ||||||
| Pre-Departure Trip Cancellation | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost | Trip Cost |
| Post-Departure Trip Interruption | 200% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | 150% of Trip Cost | Trip Cost | Trip Cost |
| Missed Connection | $1,000 | $2,500 | $750 | $1,500 | $500 | $750 |
| Trip/Travel Delay | $1,000 | $1,250 | $750 | $1,000 | $500 | $750 |
| Per Day Max Limit for meals & accommodations | No Daily Sublimit | $250 | No daily sublimit | $200 | No Daily Limit | $150 |
| Required minimum delay time | 5 Hours | 8 hours | 5 Hours | 8 Hours | 5 Hours | 8 Hours |
| Cancel For Any Reason | 75% of Penalty Amount | 75-100% of Penalty Amount (See Certificate) | Not Included | Not Included | Not Included | Not Included |
Coverage For You | ||||||
| Medical Expense / Emergency Assistance | ||||||
| Accident & Sickness Medical Expense | $100,000 | $100,000 | $50,000 | $100,000 | $15,000 | $25,000 |
| Emergency Dental Expense | $750 | $750 | $750 | $750 | $750 | $750 |
| Emergency Medical Evacuation & Return of Remains | $1,000,000 | $500,000 | $500,000 | $250,000 | $30,000 | Included |
| 24 Hour Travel Medical Assistance Services (A non-insurance service - The cost of the plan includes travel protection and a fee for non-insurance services. You may obtain information on the pricing of the plan payment and assistance services by emailing assistancefees@TM.com. ) | ||||||
| Non-Medical Emergency Evacuation | No | $25,000 | No | $25,000 | No | No |
| Pet Medical Expense (cat or dog) | $1000 with $50 deductible | No | No | No | No | No |
| Accidental Death & Dismemberment | ||||||
| 24 Hour Coverage during trip | $25,000 | $50,000 | $25,000 | $50,000 | Not Included | $25,000 |
| Air Flight Accident | $100,000 | $100,000 | Included | $50,000 | Not Included | $25,000 |
Coverage For Your Belongings | ||||||
| Baggage & Personal Effects | $2,500 | $2,500 | $1,000 | $2,000 | $500 | $1,000 |
| Baggage Delay | $600 | $500 | $250 | $300 | $100 | $150 |
| Per Day Maximum Limit | No Daily Limit | $250 | No Daily Limit | $150 | No Daily Limit | No Daily Limit |
| Required minimum delay time | 12 Hours | 12 Hours | 12 Hours | 12 Hours | 12 Hours | 12 Hours |
Coverage For Your Activities | ||||||
| Rental Car Damage | $35,000 | $30,000 | No | No | No | No |
| Lost Golf Rounds | No | No | No | No | No | No |
| Required minimum delay time | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Sports Coverage | No | Additional Option | No | Additional Option | No | Additional Option |
| Sports Equipment Rental | No | Additional Option | No | Additional Option | No | Additional Option |
| Per Day Maximum Limit | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Required minimum time delay | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Property Damage Liability | No | No | No | No | No | No |
| Vehicle Breakdown or Disablement | No | No | No | No | No | No |
| Required minimum delay time | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Coverage Features | ||||||
Coverage For Travel Arrangements | ||||||
| Trip Cancellation or Interruption Due to: | ||||||
| Sickness, Injury or Death | ||||||
| Pre-Existing Medical Condition Waiver included if medically able to travel at the time the plan is purchased and within the specified time period of initial deposit | Within 14 days of initial trip deposit and requires you to insure total cost of all travel arrangements subject to cancellation penalties | Within 15 days of initial trip deposit | Within 14 days of initial trip deposit and requires you to insure total cost of all travel arrangements subject to cancellation penalties | Within 15 days of initial trip deposit | No | Within 15 days of initial trip deposit |
| Common Carrier Delay/Cancellation: | ||||||
| Unannounced strike | ||||||
| Mechanical breakdown | ||||||
| Bad weather | ||||||
| Residence, destination or workplace made uninhabitable by fire, flood, or natural disaster | ||||||
| Residence | ||||||
| Destination | No | |||||
| Workplace | If responsible for decision making and part of disaster recovery team | No | No | |||
| Involuntary termination of employment | ||||||
| Required length of employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment | 1 year continuous employment |
| Permanent transfer of employment | ||||||
| Distance of transfer | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more | 250 miles or more |
| Being hijacked, quarantined or jury duty | ||||||
| Death/hospitalization of Host at destination | ||||||
| Traffic accident while en route to departure | ||||||
| Bankruptcy or default of a travel supplier | No | No | ||||
| Required time for bankruptcy/default coverage to start | More than 14 day following effective date | More than 14 day following effective date | More than 14 day following effective date | More than 14 day following effective date | Not Applicable | Not Applicable |
| A terrorist attack in a city listed on your itinerary within 30 days of your scheduled departure date | If purchased within 14 days of initial trip deposit | If purchased within 14 days of initial trip deposit | No | No | ||
| Documented theft of passports or visas | No | No | No | |||
| Military personnel called to emergency duty for a natural disaster | No | |||||
| Revocation of previously granted military leave | No | No | No | |||
| Documented work reasons | No | No | No | |||
| Mandatory evacuation due to bad weather or natural disaster | No | No | No | No | ||
| A hurricane warning being issued for your trip destination | No | No | No | No | ||
| Your normal pregnancy as long as the pregnancy occurs after your effective date | No | No | No | No | ||
| Attending a Family Member’s childbirth if pregnancy occurs after your effective date | No | No | No | No | ||
| Extension of primary or secondary school year into Your trip dates due to unforeseen events | No | No | No | |||
| Trip Cancellation reimburses: | ||||||
| Prepaid, forfeited, non-refundable trip payments or deposits | ||||||
| Airline reissue fees or frequent flyer fees due to covered reasons | Up tp $250 | Up to $150 | Up to $200 | Up to $150 | No | Up to $150 |
| Single Occupancy Upgrade charges incurred when fellow traveler cancels for covered reason | ||||||
| Timeshare exchange Fees, maintenance charges, cancellation or change fees, timeshare points and guest fees imposed by your property management company | No | No | No | No | No | No |
| Cancel For Any Reason Benefit added if purchased within the specified time period of initial deposit | Within 14 days of initial trip deposit | Within 15 days of initial trip deposit | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Cancel For Any Reason requires you to insure total cost of all travel arrangements subject to cancellation penalties | Not Required | Not Applicable | Not Applicable | Not Applicable | Not Applicable | |
| Cancel For Any Reason must cancel by: | 2 days or more before scheduled departure | 2 days or more before scheduled departure | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| Trip Interruption reimburses: | ||||||
| Prepaid, unused, non-refundable land or water travel arrangements | ||||||
| Additional airfare expense to return home, or to join/rejoin the trip | ||||||
| Single Occupancy Upgrade charges incurred due to a covered reason | No | No | No | |||
| Missed Connection Due to: | ||||||
| Any Common Carrier caused delay | ||||||
| Quarantine, hijacking, Strike, natural disaster, terrorism or riot | No | No | No | |||
| Documented weather condition preventing you from getting to the point of departure | ||||||
| Missed Connection reimburses: | ||||||
| Additional transportation cost to join the trip | ||||||
| Reasonable accommodations and meal expenses | ||||||
| Unused portion of the prepaid expenses for covered travel arrangements | ||||||
| Trip or Travel Delay Due to: | ||||||
| Sickness or injury | No | No | No | |||
| Common Carrier Delay | ||||||
| Involvement in traffic accident en route to departure | ||||||
| Lost/stolen passports, travel documents or money, civil commotion or riot. | ||||||
| Quarantine, hijacking, strike, natural disaster, civil commotion or riot | ||||||
| A documented weather condition preventing you from getting to the point of departure | ||||||
| A documented road closure by authorities | ||||||
| Trip/Travel Delay reimburses: | ||||||
| Additional meal and accommodation expenses | ||||||
| Local transportation expenses | ||||||
| Airline club expenses | No | $50 | No | $50 | No | $50 |
| Internet usage fees | No | $25 | No | $25 | No | $25 |
| Kennel fees for Your cat or dog | No | $25/day | No | $25/day | No | $25/day |
| Itinerary Change made by your cruise/tour supplier | No | No | No | |||
| Itinerary Change reimburses prepaid, forfeited, non-refundable event/activity payments | No | Up to $250 | No | Up to $250 | No | Up to $250 |
Coverage For You | ||||||
| Accident & Sickness Medical Expense due to: | ||||||
| Injury or Sickness occurring during the trip | ||||||
| Pre-Existing Medical Condition Waiver included if medically able to travel at the time the plan is purchased and within the specified time period of initial deposit | Within 14 days of initial trip deposit and requires you to insure total cost of all travel arrangements subject to cancellation penalties | Within 15 days of initial trip deposit | Within 14 days of initial trip deposit and requires you to insure total cost of all travel arrangements subject to cancellation penalties | Within 15 days of initial trip deposit | No | Within 15 days of initial trip deposit |
| Accident & Sickness Medical Expense reimburses: | ||||||
| On a Primary or Excess Basis | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses | Primary- on trip expenses |
| Services of a physician; prescribed drugs, and therapeutic services/supplies | ||||||
| Emergency dental expenses | $750 limit | $750 limit | $750 limit | |||
| Hospital services | ||||||
| Ambulance transportation to and/or from a hospital | ||||||
| Medical Evacuation due to: | ||||||
| Injury or Sickness when appropriate care, treatment or facilities are not available locally | ||||||
| Medical Evacuation reimburses: | ||||||
| Medically required transportation expenses to a Hospital for care and treatment or home | ||||||
| Transportation expenses to return an unattended dependent home due to a hospitalization | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) |
| Transportation expenses for a bedside visit when hospitalized | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) | (More than 7 days) |
| Return of Remains due to death occuring during a trip | ||||||
| Return of Remains reimburses transportation and preparation expenses for return of remains home | ||||||
| Non-Medical Emergency Evacuation due to natural disaster, civil, military, or political unrest | Not Included | Not Included | Not Included | |||
| Non-Medical Emergency Evacuation for being expelled or declared a person non-grata by a country | Not Included | Not Included | Not Included | |||
| Non-Medical Emergency Evacuation reimburses transportation expenses to the nearest place of safety or to your home | Not Included | Not Included | Not Included | |||
Coverage For Your Belongings | ||||||
| Baggage & Personal Effects loss or damage due to loss theft or damage | ||||||
| Baggage & Personal Effects reimburses: | ||||||
| Cost to replace clothing and other personal articles | ||||||
| Cost to replace lost/stolen passports or visas | ||||||
| Maximum Sublimit for loss to jewelry, furs, cameras & accessories, etc. | $500 | $600 | $500 | $600 | $500 | $600 |
| Per Article Maximum Limit | $300 | $300 | $300 | $300 | $300 | $300 |
| Baggage Delay due to: | ||||||
| Misdirection by a Common Carrier | ||||||
| Baggage Delay reimburses cost of necessary personal items purchased during the delay | ||||||
| Underwriter | Nationwide | US Fire | Nationwide | US Fire | Nationwide | US Fire |
Additional Non-Insurance Services Included | ||||||
| 24 Hour Worldwide Assistance Services | ||||||
| (The cost of the plan includes travel protection and a fee for non-insurance services. You may obtain information on the pricing of the plan payment and assistance services by emailing assistancefees@TM.com.) | ||||||
| 24 Hour Emergency Medical Hotline | ||||||
| Medical consultation and monitoring when you are hospitalized | ||||||
| Coordinate medical evacuation arrangements | ||||||
| Help with replacing lost/stolen prescriptions | ||||||
| Help arranging for return of remains | ||||||
| Nurse Helpline for general health information before and during your trip | ||||||
| 24 Hour Travel Assistance Services | ||||||
| Sending emergency messages to friends, family or business associates | ||||||
| Language interpretation services | ||||||
| Help with emergency cash transfers | ||||||
| Passport/Visa, vaccinations, & travel health Information | ||||||
| Help with replacing lost/stolen tickets or travel documents | ||||||
| 24 Hour Concierge Services | ||||||
| Restaurant and shopping recommendations or reservations | ||||||
| Local transport, reservations, sports, theatre, & event information/ticketing | ||||||
| Golf course referrals & tee times | ||||||
| Baggage tracking/assistance | ||||||
| 24 Hour Business Assistance Services | ||||||
| Assistance with emergency communications | ||||||
| Assistance with locating available business services | ||||||
| Telephone or web conference assistance | ||||||
| Information about weather conditions, travel delays & flight status | ||||||
| Emergency travel arrangements |
Travel insurance is a great way to give you peace of mind when you travel – both in the United States and abroad.
With many different travel insurance providers and a vast number of travel insurance plans to choose from including flight insurance, cruise insurance and travel health insurance, it can be confusing to find the right travel insurance policy. At TripInsurance, we make it easy to find a travel insurance plan that works for your specific needs and circumstances.
With our travel insurance comparison tool, you can compare plans, including their features and prices, to find a plan that best fits your insurance coverage needs – at the lowest cost!
