Reimburses you if your luggage is lost, damaged, or stolen while you are on your trip.

$200: Baggage Delay

Reimburses you for the purchase of essential items if your bags are delayed for more than 24 hours.

$25,000: Medical Expense

Covers necessary medical expenses up to one year after the sickness or injury, provided injury or sickness occurred while on your trip, and initial medical treatment was received while on your trip.

$200,000: Emergency Medical Transportation

Covers evacuation and transportation to the nearest adequate medical facility.

You automatically get the following coverage at no additional cost when you purchase your Vacation Plan Deluxe within 21days** of making your initial trip payment:

Pre-Existing Medical Condition Exclusion Waiver

(Pre-ex waiver applies to the first $50,000 of trip cost per person.)

Trip Cancellation or Trip Interruption coverage due to Financial Default

Covers you if your tour operator, cruise line or airline declares financial default more than fourteen days after your effective date of your coverage. -see Description of Coverage for complete details. (Financial default is not covered for all suppliers.)

Car Rental Collision Coverage – $25,000 in primary coverage.

Covers cost of repairs for covered collision damage to a rental car, up to the limit of coverage, for which the car rental contract holds you responsible. Subject to $250 deductible.

** Day one is the date the trip deposit is received.

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Increase your protection with these valuable optional coverages*** by adding them to your Vacation Plan Deluxe plan:

Cancel for Any Reason

The insurer will reimburse 75% of nonrefundable expenses if you cancel your trip for any reason, up to 48 hours prior to your departure. (Can only be purchased within 21 days of initial trip payment. Coverage must be purchased for the full cost of nonrefundable prepaid trip arrangements.)

Plan Cost: Multiply base plan cost by 1.5

Umbrella Package

1) Medical Expense limits is doubled.
2) Emergency Medical Transportation limit is doubled and upgraded to give you the option to be evacuated home or to the hospital of your choice for covered evacuations.
3) Missed Connection coverage increases to $750.00.

(Cannot be purchased separately)

Plan Cost: $19.00 per person

Flight Guard

Additional coverage in increments of $100,000 up to a maximum of $500,000.

Plan Cost: $9.00 per $100,000 of coverage

***Please refer to the Description of Coverage (DOC). Click here to see (DOC)

Why Buy Travel Insurance?

Reasons to Purchase Travel Insurance

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.

To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong:

It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?

Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?

Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?

You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?

If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?

You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?

Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?

You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?

Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?

You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?

Certain restrictions apply.

The best travel assistance service in the industry - Travel Guard Chartis provides its policyholders free 24-hour emergency travel assistance. Whether you need help finding medical care halfway around the world, making emergency arrangements to return home or obtaining an emergency cash advance, you can access our toll-free hotline from anywhere in the world, any time of day.

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Frequently Asked Questions

Q. What does this program cover for cancellation?
A. The plan will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your trip for an unforeseen sickness, accidental injury or death of you, your traveling companion, family member or business partner, unforeseen strike, financial default of the travel supplier, your principal residence or destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster, your being subpoenaed, required to serve on a jury, hijacked or quarantined, military duty, terrorist incident, and business reasons. Optional Cancel For Any Reason coverage can be purchased for reasons not listed. For a complete list of covered reasons for cancellation, please refer to the Description of Coverage (DOC).
Click here to see (DOC)

Q. Will I be covered if I cancel my trip for any reason?
A. Yes, if you purchase Vacation Plan Deluxe, and you purchase the optional Cancel For Any Reason coverage all within 21days of your initial trip payment (limitations apply). See the Description of Coverages (DOC) for complete details. Click here to see (DOC)

Q. What happens if a family member not traveling becomes ill or passes away? Is this covered?
A. An illness or death of a family member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions apply). The definition of family member is included in the Description of Coverage (DOC). Click here to see (DOC)

Q. What is the Pre-Existing condition waiver and how can I qualify?
A. The Pre-existing medical condition exclusion will be waived if: 1) this plan is purchased within 21calendar days of initial trip payment. This is applicable to all coverages contained in the policy. 2) the amount of trip cost insured must equal the full cost of all non-refundable trip arrangements. 3) the cost of any subsequent arrangement(s) added to the same trip are insured within 21days of the date of payment or deposit for any subsequent trip arrangement(s). 4) you are medically able to travel when you purchase this coverage. For Trip Cancellation or Trip Interruption coverage, the pre-existing condition exclusion will be waived up to the first $50,000 of trip cost per person.

Q. If I do not enroll within the 21days, how long do you look back for Pre-Existing medical conditions?
A. 180 days preceding and including the coverage effective date.

Q. Does this plan include medical evacuation back home?
A. If you purchase the optional Umbrella Package with the base plan, you upgrade your Emergency Medical Transportation coverage to include transportation home or to the hospital of your choice for covered evacuations.

Q. Does everyone going on the trip need to purchase the insurance to be covered?
A. Yes. The cost is based on a per person trip cost, therefore each individual is covered separately. However, with Vacation Plan Deluxe, children age 17 and under are covered at no additional cost if all accompanying adults purchase a policy, but you must list them as a traveler. Only those listed as travelers on the enrollment form will be covered.

Q. How large of a trip can I cover?
A. With Vacation Plan Deluxe, you can insure trip costs up to $100,000.

Q. How long do my bags need to be delayed before I will be covered for baggage delay?
A. 24 hours or more.

Q. Will the plan reimburse for the single supplement if my traveling companion cancels?
A. If a traveling companion cancels and you are held responsible for a single supplement, you would be covered for the change in the per person occupancy rate as long as the reason for the cancellation was covered under the terms of the plan.

Q. I am 55 and my husband is 60, can we enroll for coverage under the same plan?
A. Yes.

Q. When does the coverage begin?
A. The Trip Cancellation coverage begins at 12:01 am local time at the location of the insured on the day after the Enrollment Form and payment is received by Travel Guard Chartis. All other coverages will begin at 12:01 am local time at the location of the insured on the scheduled trip departure date shown on the Enrollment Form provided required payment has been received.

Q. How do I file a claim?
A. To file a claim, you can call Travel Guard Chartis between the hours of 7:00 am and 7:00 pm Central Time and start the process with a Claims Analyst. The analyst will explain what needs to be provided to process your claim. The form will then be faxed or mailed to you to provide that information.

Q. What if I want a refund?
A. Travel Guard Chartis is committed to providing products and services that will exceed expectations. If You are not completely satisfied, You can receive a refund provided 1) it is not past the original departure date; 2) you have not submitted a claim; and 3) requests must be submitted to Travel Guard Chartis in writing within 15 days of the effective date of your coverage. If past 15 days, premium and service fees are non-refundable.

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