Essential Travel Insurance Plan
Savvy coverage for the budget minded traveler.
The Deluxe, Preferred and Essential plans are available in all states and the District of Columbia, except NY. Residents of New York, please click here for your available plans.
You have a budget. But you also want coverage for your trip. We get it. Whether you are traveling for business or pleasure, basic coverage and access to 24/7 travel assistance services can come in very handy. Want assistance with rebooking flight and hotel? Prefer to have coverage for pre-existing medical conditions? Want Trip Cancellation, Trip Interruption and Trip Delay coverage? Need coverage for lost, stolen or damaged baggage? It’s all right here and can be yours in minutes. Our Essential Insurance Plan is a simple way to cover your travels on a budget.
This plan includes family coverage – one Child age 17 and under, who is booked to travel with and is related to the primary adult named on the enrollment form, is included in the rates for each paying adult. (Offer does not apply to optional coverages. The Child’s Trip Cost must be equal to or less than the adult traveler(s) Trip Cost).
Essential Standard Coverages
For complete coverage information and exclusions, please refer to the Policy of Insurance for your state of residence prior to purchase.
Trip Cancellation: Up to 100% Insured Trip Cost*
Reimburses nonrefundable, Unused payments or deposits if you must cancel your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $100,000.
Trip Interruption: Up to 100% Insured Trip Cost*
Reimburses nonrefundable, Unused payments or deposits if you must interrupt your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $100,000
Trip Interruption – Return Transportation Only: Up to $500
Reimburses the additional Transportation expenses incurred by you to reach the Return Destination if your Trip is interrupted by one of the Unforeseen events shown in the Policy Trip Interruption section.
Trip Delay: Up to $500
Reimburses up to $100 per day for Reasonable Additional Expenses until travel becomes possible if your Trip is delayed for more than 12 hours due to covered reasons.
Baggage Coverage: Up to $750
Reimburses you if your luggage is lost, damaged, or stolen while on your Trip. Coverage is secondary.
Baggage Delay: Up to $200
Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 24 hours.
Travel Medical Expense/Dental Expense: Up to $15,000/$500
Travel Medical Expense pays for medical expenses incurred due to a Sickness or Injury that happens while on a Trip. A $500 sub-limit applies for dental expenses.
Emergency Evacuation and Repatriation of Remains: Up to $150,000
Covers evacuation expenses as directed by a Physician to the nearest adequate medical facility or home in the event of death or if medically required.
Accidental Death & Dismemberment: Up to $30,000
Pays for loss of life and limb if it occurs within 365 days of an accident during your Trip.
Essential Extra Coverages
Pre-Existing Medical Condition Exclusion Waiver – must be purchased within 15 days of the Initial Trip Payment.
With this waiver it’s possible to be covered for some medical issues on your Trip, despite your pre-existing condition. The Company will waive the pre-existing medical condition exclusion if the following conditions are met:
- Purchasing the travel insurance with your first Trip deposit, or shortly thereafter as explained in the Policy;
- The amount of coverage purchased equals all prepaid, non-refundable Trip payments or deposits, and the cost of any subsequent arrangements added to the same Trip are insured by the date of payment or deposit for the additional arrangements;
- You are medically able to travel when your travel insurance Policy is purchased.
Trip Cancellation and Interruption due to Financial Default
$150 Missed Connection
Essential Enhancement Suite
Some enhancement options are not available online. Please call us at 800-826-5248 if you’d like more information.
Medical Bundle
Increases base plan medical expense and medical evacuation benefits, and adds Hospital of choice and additional evacuation benefits.
Security Bundle
Coverage for security evacuation, Flight Guard® and Trip Cancellation or Trip Interruption due to riot or civil disorder.
Rental Vehicle Damage Coverage
Reimburses up to the Maximum Limit shown on the Schedule of Benefits for physical damage to a rental car for which the car rental contract would hold you responsible.
Assistance Services**
All Assistance Services listed below are not insurance benefits and are not provided by the Company. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.
Travel Medical Assistance
A menu of services available for emergency medical requests including prescription replacement assistance, Physician referrals, medical evacuations, and more.
Worldwide Travel Assistance
Assistance with any travel emergency or request for general travel information including lost, stolen or delayed Baggage; replacing lost passport or travel documents; emergency cash transfers; pre-Trip travel advice; inoculation information; and more.
Emergency Travel Assistance
24-hour hotline to make emergency travel changes such as rebooking flights, Hotel reservations, tracking lost luggage and more.
Concierge Services
Call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. If you need it, we'll find it for you.
Expenses incurred from third-party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler.
*Coverage only applicable to prepaid, non-refundable Trip Costs identified on the enrollment form and if the required plan cost has been paid.
** Non-insurance services provided by Travel Guard.