Even the best planned trip can be impacted by the unexpected, forcing you to cancel or interrupt your travels, lose the money you’ve spent on your vacation and incur unplanned expenses. Our exclusive Protect&Tour™ plan is customized for tour goers like you and includes a variety of coverages and services designed to help protect you and your trip costs from certain covered events.
24/7 Emergency Assistance Services:
These services offer on-the-spot and immediate assistance for unexpected problems that can arise during your trip. The hotline operates 24/7 for help anytime, any place while traveling.
Trip Cancellation for Any Reason (CFAR)
Trip Cancellation for Any Reason (CFAR) is an optional coverage that you can add to your travel insurance plan for an additional cost. This add-on coverage can reimubrse you up to 65% of your penalty amount if you cancel your trip for any reason whatsoever, including travel disruptions caused by COVID-19.
To be eligible for CFAR coverage, make sure you meet the following requirements:
Coverage for Pre-Existing Medical Conditions:
Pre-Existing Medical Conditions can be accepted when the plan is purchased prior to or within 24 hours of final trip payment, if other requirements are met.
Please see the above PDF (Description of Coverage) to see a sample Description of Coverage or Policy for full details
Medical and Dental Coverage:
Do you have medical coverage outside of the U.S.? If not, a trip protection plan with Medical and Dental Coverage could be a wise choice when touring internationally. This coverage provides reimbursement for the necessary medical, surgical and emergency dental care costs if you become sick or accidentally injured while on your covered trip. Coverage is in excess of your standard coverage, except where prohibited.
Emergency Assistance and Transportation:
Benefits include transportation to the nearest suitable medical facility, help to return home if medically necessary and expenses for a companion to visit you if you are traveling alone and are hospitalized for more than 7 days.
Coverage for Flight Delays:
Trip Cancellation and Trip Interruption coverages respectively provide reimbursement for unused, non-refundable, prepaid trip costs if you are prevented from taking your trip, or your trip is interrupted due to a covered reason. Trip Interruption also provides reimbursement for additional transportation costs to return home or rejoin your group. A flight delay due to adverse weather is a listed, covered event under both of these useful coverages.
Coverage for COVID-19 Sickness:
Travel insurance can provide coverage if you, a family member or a travel companion get sick with COVID-19 before or during your trip.
To have coverage, your or your travel companion’s sickness must first occur after you purchase your plan. Pre-existing medical conditions are generally excluded from coverage. However, coverage is available if you purchased your plan prior to or within 24 hours of making final payment for your trip, provided other requirements are also met. Review a Plan Document/Policy for full details.
Travel Support, Telemedicine, and No Out-of-Pocket Medical Expense services are available to assist you if you get sick during your trip. Please contact our 24/7 Travel Support team if you are traveling and believe you may have become ill with the virus.
COVID-19 and Other Travel Disruptions:
Travel restrictions, shelter in place orders, airline cancellations, fear of travel, and other travel disruptions caused by COVID-19 are not covered by travel insurance unless you purchase optional Trip Cancellation for Any Reason coverage.
