Can reimburse your nonrefundable, pre-paid Trip payments/deposits, up to the amount insured (up to the maximum for the Option selected), if cancellation occurs before your scheduled departure because of covered reasons detailed in the plan. These covered reasons may include illness, injury, death, strike, and weather.
Can reimburse (up to the maximum for the Option selected) your non-refundable prepaid and unused land or water Trip payments when your Trip is interrupted after departure because of covered reasons by the plan. Coverage may include reimbursement for additional transportation expenses to join or rejoin the Trip or to return home.
If your trip is delayed 12 hours or more due to covered reasons, you can be reimbursed for certain additional expenses, up to the maximum for the Option you selected. Covered reasons may include carrier-caused delays, lost passport, strike, and the weather.
Reimbursement of Miles & Rewards
If you cancel your trip for a covered reason, benefits can be paid up to $75, depending on your plan, for any penalty cost of depositing the miles or rewards back in the account from which they were removed. This will not duplicate any benefits paid under the Trip Cancellation benefit.
The plan can reimburse you up to a maximum of $1,500, depending on your plan, for certain expenses including additional transportation costs and reasonable accommodations if you miss your cruise or tour departure because your arrival at the Trip Destination is delayed 3 or more hours due to a covered reason.
Can pay for covered medical expenses incurred as a result of a covered Injury or Sickness first occurring on your Trip, up to the plan maximum. Included are related medication expenses and emergency dental treatment while on the trip.
Emergency Medical Evacuation, Medical Repatriation and Return of Remains
Among other benefits, can pay reasonable charges for emergency medical evacuation required by a Physician, for a covered Injury or Sickness, to the nearest adequate medical facility or home if medically necessary, up to the maximum for the Option you selected. All evacuations require advance notification to the Worldwide Travel Assistance Center.
Pre-Existing Medical Condition Exclusion Waiver (Not Available For Basic Plan)
If you have been treated or diagnosed with an illness or injury during the 60-day period prior to the effective date of your plan, that illness or injury cannot be covered unless it qualifies under the waiver. The Pre-Existing Condition exclusion is waived, provided you:
- Purchase the plan within 21 days of initial trip payment/deposit;
- Insure all prepaid trip costs that are subject to cancellation penalties or restrictions;
- Insure within 21 days of payment or deposit for the cost of any subsequent travel arrangements added to your trip; and
- Are not disabled from travel at the time the plan is purchased.
Cancel/Interruption for Any Reason Upgrade (Not available to residents of NY)
These benefits are available at an additional cost with the Plus and Elite plan and can pay up to 75% of your prepaid, forfeited, non-refundable payments/deposits for the covered trip (maximum $75,000).
The Cancel for Any Reason (CFAR) Upgrade must be purchased at the time of your original plan purchase. In order to be eligible, you must 1) purchase this optional coverage within 21 days of your initial trip payment/deposit; 2) insure the full cost of all non-refundable prepaid trip arrangements; 3) insure the full cost of any subsequently booked trip arrangements within 21 days of the payment/deposit for those additional arrangements; and 4) pay all non-refundable trip costs prior to cancelling your trip. CFAR will not apply unless the trip is cancelled at least 2 days prior to the scheduled departure date.
The Interruption for Any Reason (IFAR) Upgrade can be added within 21 days of your original plan purchase. IFAR will not apply unless you interrupt your trip 48 hours or more after your actual Departure Date. IFAR is only available for Trips with a per person cost of $100,000 or less. IFAR may not be available to residents of all states. Consult the Description of Coverage for details.
The insurance benefits in the plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions.
All travelers listed on a policy must reside at the same address. If any travelers reside at a different address, a separate policy must be purchased.This document contains highlights of the plans. The plans contain insurance benefits underwritten by the United States Fire Insurance Company under Policy Form series T210 et. al. and TP-401 et. al. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018. The plan also contains non-insurance Travel Assistance Services that are provided by OnCall International, and not by United States Fire Insurance Company. Coverages may vary and not all coverage is available in all jurisdictions. Louisiana, Maryland, and Oklahoma residents looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insurance Services.
An American traveler suffered a presumed appendicitis attack in Uzbekistan. The facilities in this area were below western standards, lacking many essential supplies and sterile equipment. Our assistance provider evacuated the traveler by air ambulance with medical escort to Helsinki, Finland where emergency surgery was performed.*
An 85-year old woman was on an educational tour of the U.K. when she fell at a train station, fracturing her elbow. Surgery could not be performed immediately after the accident, so the patient decided to have the procedure at home. Our assistance company arranged for wheelchair assistance at the airport and for Business Class tickets for her and her daughter, as a non-medical escort, to fly home to Wisconsin.*
A couple's grandchild was born early, with serious medical complications, and was placed in intensive care. Although they were anticipating their upcoming trip, the couple chose to cancel and remain home with their family members. The couple had purchased our plan including trip cancellation insurance and were reimbursed for 100% of their loss of prepaid travel arrangements.*
*This example assumes that no insurance exclusions or limitations were applicable to the covered person