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Ratings
AM Best Rating Underwritten by Berkshire Hathaway Specialty Insurance Company

AM Best's Rating of A++ (Superior)
Effective as of: 2018-12-11

Verify this rating at www.ambest.com
Underwritten by Berkshire Hathaway Specialty Insurance Company

AM Best's Rating of A++ (Superior)
Effective as of: 2018-12-11

Verify this rating at www.ambest.com
Underwritten by Berkshire Hathaway Specialty Insurance Company

AM Best's Rating of A++ (Superior)
Effective as of: 2018-12-11

Verify this rating at www.ambest.com
Underwritten by Berkshire Hathaway Specialty Insurance Company

AM Best's Rating of A++ (Superior)
Effective as of: 2018-12-11

Verify this rating at www.ambest.com
Underwritten by Starr Indemnity & Liability Company

AM Best's Rating of A (Excellent)
Effective as of: 2019-03-14

Verify this rating at www.ambest.com
Underwritten by Berkshire Hathaway Specialty Insurance Company

AM Best's Rating of A++ (Superior)
Effective as of: 2018-12-11

Verify this rating at www.ambest.com
Trending Benefits
Coronavirus Cancellation

Included in Trip Cancellation & Interruption

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Included in Trip Cancellation & Interruption

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Included in Trip Cancellation & Interruption

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Included in Trip Cancellation & Interruption

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Optional coverage

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Included in Trip Cancellation & Interruption

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Coronavirus Medical

Included in Emergency Medical

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Included in Emergency Medical

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Included in Emergency Medical

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Included in Emergency Medical

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No coverage

Included in Emergency Medical

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Cancel For Any Reason

No coverage

No coverage

No coverage

No coverage

Optional coverage
This benefit is separate from Trip Cancellation

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No coverage

Cancellation
Trip Cancellation

100% of the trip cost

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100% of the trip cost

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100% of the trip cost

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100% of the trip cost

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100% of the trip cost

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100% of the trip cost

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Trip Interruption

100% of the trip cost

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150% of the trip cost

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150% of the trip cost

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150% of the trip cost

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150% of the trip cost

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100% of the trip cost

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Hurricane & Weather

Common carrier delay for 24 hours
Must be purchased before storm is named

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Common carrier delay for 24 hours
Accommodation made uninhabitable
Must be purchased before storm is named

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Common carrier delay for any length of time
Accommodation made uninhabitable
Must be purchased before storm is named

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Common carrier delay for any length of time
Accommodation made uninhabitable
Must be purchased before storm is named

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Common carrier delay for 48 hours
Mandatory evacuation conditionally covered
Accommodation made uninhabitable
Must be purchased before storm is named

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Common carrier delay for 24 hours
Must be purchased before storm is named

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Cancel For Medical Reasons

Included in Trip Cancellation and Trip Interruption

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Included in Trip Cancellation and Trip Interruption

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Included in Trip Cancellation and Trip Interruption

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Included in Trip Cancellation and Trip Interruption

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Included in Trip Cancellation and Trip Interruption

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Included in Trip Cancellation and Trip Interruption

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Terrorism

No coverage

Covered for foreign and domestic

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Covered for foreign and domestic

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Covered for foreign and domestic if purchased within 15 days of deposit

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Covered for foreign and domestic

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No coverage

Financial Default

No coverage

Covered after 14 day wait if purchased within 15 days of trip deposit

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Covered after 14 day wait if purchased within 15 days of trip deposit

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Covered after 14 day wait if purchased within 15 days of trip deposit

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Covered after 14 day wait if purchased within 14 days of trip deposit

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No coverage

Employment Layoff

No coverage

Covered
If employed for 1 continuous year

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Covered
If employed for 1 continuous year

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Covered
If employed for 1 continuous year

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Covered
If employed for 3 continuous years

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No coverage

Cancel For Work Reasons

No coverage

No coverage

Covered for 100% of trip cost if purchased within 15 days of trip deposit

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Covered for 100% of trip cost if purchased within 15 days of trip deposit

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No coverage

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No coverage

Medical
Emergency Medical

$20,000 per person
Secondary coverage

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$30,000 per person
Secondary coverage

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$100,000 per person
Primary coverage

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$100,000 per person if purchased within 15 days of trip deposit
Primary coverage

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$500,000 per person
Primary coverage

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$10,000 per person
Secondary coverage

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Pre-Existing Condition

No coverage
Pre-existing look-back period 180 days

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Covered if purchased within 15 days of trip deposit

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Covered if purchased within 15 days of trip deposit

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Covered if purchased within 15 days of trip deposit

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Covered if purchased within 14 days of trip deposit

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No coverage
Pre-existing look-back period 180 days

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Medical Deductible

No Medical Deductible

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No Medical Deductible

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No Medical Deductible

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No Medical Deductible

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No coverage

No Medical Deductible

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Evacuation
Medical Evacuation & Repatriation

$100,000 per person

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$200,000 per person

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$250,000 per person

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$1,000,000 per person

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$500,000 per person

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$100,000 per person

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Loss or Delay
Travel Delay

$500 per person
$150 daily limit
Covered after 12 hour delay

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$500 per person
$150 daily limit
Covered after 6 hour delay

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$500 per person
$150 daily limit
Covered after 6 hour delay

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$600 per person
$200 daily limit
Covered after 5 hour delay

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$500 per person
$150 daily limit
Covered after 6 hour delay

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$500 per person
$150 daily limit
Covered after 12 hour delay

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Baggage Delay

$200 per person
Covered after 24 hour delay

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$200 per person
Covered after 24 hour delay

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$200 per person
Covered after 24 hour delay

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$150 fixed per person
Covered after 12 hour delay

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$200 per person
$100 daily limit
Covered after 24 hour delay

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$200 per person
Covered after 24 hour delay

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Baggage & Personal Items Loss

$500 per person
$100 first item limit
$100 subsequent items limit
$500 specific items limit

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$500 per person
$100 first item limit
$100 subsequent items limit
$500 specific items limit
$25 deductible

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$500 per person
$100 first item limit
$100 subsequent items limit
$500 specific items limit

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$1,000 per person
$500 first item limit
$250 subsequent items limit
$500 specific items limit

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$500 per person
$100 per item
$250 specific items limit

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$500 per person
$100 first item limit
$100 subsequent items limit
$500 specific items limit

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Missed Connection

No coverage

No coverage

$100 per person
Covered after 3 hour delay

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$500 per person
Covered after 3 hour delay

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$500 per person
Covered after 3 hour delay

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No coverage

Sports
Sports Equipment Loss

Included in Baggage & Personal Items Loss

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Included in Baggage & Personal Items Loss

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Included in Baggage & Personal Items Loss

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Included in Baggage & Personal Items Loss

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Included in Baggage & Personal Items Loss

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Included in Baggage & Personal Items Loss

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Sports Fees

Included in Cancellation & Interruption

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Included in Cancellation & Interruption

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Included in Cancellation & Interruption

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Included in Cancellation & Interruption

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Included in Cancellation & Interruption

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Included in Cancellation & Interruption

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Sports & Activities

No coverage

Covered
Limitations apply

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Covered
Limitations apply

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Covered
Limitations apply

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Covered
Limitations apply

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No coverage

Sports Equipment Delay

No coverage

No coverage

No coverage

$500 per person

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No coverage

No coverage

Other Benefits
Money Back Guarantee

Free look up to 15 days after purchase

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Free look up to 15 days after purchase

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Free look up to 15 days after purchase

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Free look up to 15 days after purchase

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Free look up to 14 days after purchase

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Free look up to 15 days after purchase

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24 Hour Assistance Service

24 hour assistance provided

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24 hour assistance provided

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24 hour assistance provided

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24 hour assistance provided

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24 hour assistance provided

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24 hour assistance provided

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Additional Benefits

Concierge Services Coverage

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Concierge Services Coverage

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Concierge Services Coverage

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Concierge Services Coverage

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No coverage

Concierge Services Coverage

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Identity Theft

No coverage

Covered

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Covered

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Covered

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No coverage

No coverage

Rental Car Damage

No coverage

No coverage

Optional coverage

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No coverage

No coverage

No coverage

Accidental Death
Flight Only AD&D

No coverage

$25,000 if purchased within 15 days of deposit

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$50,000 if purchased within 15 days of deposit

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No coverage

No coverage

No coverage

24 Hour AD&D

No coverage

No coverage

No coverage

$25,000 per person

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$10,000 per person

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No coverage