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Economy

Standard

Luxury

Policies

Certificate Certificate Certificate
Ratings
AM Best Rating Underwritten by American Modern Home Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 2015-10-22

Verify this rating at www.ambest.com
Underwritten by American Modern Home Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 2015-10-22

Verify this rating at www.ambest.com
Underwritten by American Modern Home Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 2015-10-22

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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Trip Interruption

100% 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 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
Mandatory evacuation conditionally covered
Accommodation made uninhabitable
Must be purchased before storm is named

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Common carrier delay for 12 hours
Mandatory evacuation conditionally covered
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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Covered for foreign and domestic

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Financial Default of the Travel Supplier

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

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Employment Layoff

Covered
If employed for 2 continuous years

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Covered
If employed for 2 continuous years

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Covered
If employed for 2 continuous years

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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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Cancel For Any Reason

No coverage
This benefit is separate from Trip Cancellation

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Optional coverage
This benefit is separate from Trip Cancellation

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Optional coverage
This benefit is separate from Trip Cancellation

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Medical
Accident & Sickness Medical Expense

$100,000 per person
Primary coverage

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$250,000 per person
Primary coverage

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$500,000 per person
Primary coverage

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Pre-Existing Condition

Covered if purchased within 14 days of trip deposit

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Covered if purchased within 14 days of trip deposit

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Covered if purchased within 14 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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Evacuation
Emergency Medical Evacuation & Medically Necessary Repatriation

$250,000 per person

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$250,000 per person

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$500,000 per person

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Emergency Non-Medical Evacuation due to Catastrophe

No coverage

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$50,000 per person

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$50,000 per person

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Loss or Delay
Trip Delay

$250 per person
$100 daily limit
Covered after 12 hour delay

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$250 per person
$100 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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Baggage Delay & Delivery

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

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

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

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Baggage/Personal Effects Loss

$500 per person
$100 per item

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$500 per person
$100 per item

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$500 per person
$100 per item

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Other Benefits
Money Back Guarantee

Free look up to 14 days after purchase

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Free look up to 14 days after purchase

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Free look up to 14 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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Additional Benefits

Concierge Services Coverage

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Concierge Services Coverage

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Concierge Services Coverage

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Definitions
Exclusions