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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: 2017-12-07

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

AM Best's Rating of A++ (Superior)
Effective as of: 2017-12-07

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

AM Best's Rating of A++ (Superior)
Effective as of: 2017-12-07

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

AM Best's Rating of A++ (Superior)
Effective as of: 2017-12-07

Verify this rating at www.ambest.com
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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Trip Interruption

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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150% of the trip cost

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Hurricane & Weather

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

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Terrorism

Covered for foreign and domestic

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Covered for foreign and domestic

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No coverage

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

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Financial Default

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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No coverage

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

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Employment Layoff

Covered
If employed for 1 continuous year

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Covered
If employed for 1 continuous year

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No coverage

Covered
If employed for 1 continuous year

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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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Cancel For Work Reasons

Included in Trip Cancellation and Trip Interruption

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No coverage

No coverage

Included in Trip Cancellation and Trip Interruption

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Medical
Emergency Medical

$100,000 per person
Primary coverage

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$30,000 per person
Secondary coverage

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$20,000 per person
Secondary coverage

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

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Pre-Existing Condition

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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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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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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Evacuation
Medical Evacuation & Repatriation

$250,000 per person

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$200,000 per person

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$100,000 per person

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$1,000,000 per person

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Loss or Delay
Travel Delay

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

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$600 per person
$200 daily limit
Covered after 5 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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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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Missed Connection

No coverage

No coverage

No coverage

$500 per person
Covered after 3 hour delay

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Accidental Death
Flight Only AD&D

$50,000 if purchased within 15 days of deposit

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$25,000 if purchased within 15 days of deposit

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No coverage

No coverage

24 Hour AD&D

No coverage

No coverage

No coverage

$25,000 per person

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Sports
Sports & Activities

Covered
Limitations apply

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Covered
Limitations apply

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No coverage

Covered
Limitations apply

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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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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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Sports Equipment Delay

No coverage

No coverage

No coverage

$500 per person

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Other Benefits
Rental Car Damage

Optional coverage

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No coverage

No coverage

No coverage

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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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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Identity Theft

Covered

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Covered

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No coverage

Covered

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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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