For those who take more than one international trip per year, an annual insurance plan may be the best option.  It gives coverage from the start date of the policy until a year later, no matter how many trips are taken as long as no individual trip is more than 45 consecutive days.  Travelers are required to have an existing primary health insurance policy.

There is plenty of flexibility depending upon how much of your trip you want insured.  Each package provides health, accident and emergency transportation coverage, something every traveler should have.  As far as trip cancellation/interruption/delay and baggage coverage, the Annual Deluxe Policy provides an amount of coverage that you may feel comfortable with.  For those who want more of their travel investment covered, the Executive Plan is there to consider. 

Travel insurance with COVID protection is of great importance to travelers these days.  The new Epidemic Coverage Endorsement adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic.  Your annual plan may include this endorsement.  Look for “Epidemic Coverage Endorsement” on your Declarations of Coverage or Letter of Confirmation. Terms, conditions and exclusions apply.

For plans that now include the new Epidemic Coverage Endorsement, it may now include epidemic-related covered reasons under some or all of the following benefits:

• Trip Cancellation, if for example you must cancel your trip after being diagnosed with COVID-19.
• Trip Interruption, if for example during your trip you are specifically named and individually ordered to quarantine (not including generally or broadly applicable quarantines).  For instance, you test positive for COVID while on a trip, you are ordered to stay in quarantine beyond your scheduled return date, your additional expenses may be covered up to policy limits.
• Travel Delay, if for example you are denied boarding based on a suspicion that you are ill with an epidemic disease such as COVID-19.
• Emergency Medical Care, if for example you are diagnosed with COVID-19 and need to be hospitalized while traveling.
• Emergency Transportation, if for example you’re diagnosed with an epidemic disease such as COVID-19 while you’re traveling and you require an emergency medical evacuation.

Here are a few more important things to know:

• If you cancel or cut short a trip because you’re afraid of becoming ill with COVID-19, or because a travel advisory has been issued for your destination, that will not be covered by our travel insurance plans.
• Benefits may not cover the full cost of your loss. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums.  Be sure to review your plan carefully to understand what limits apply to your plan.
• Always read and understand the terms, conditions, limits, etc. of any insurance policy you may purchase.  These terms, conditions, limits, etc. may be subject to change.  The issued insurance policy determines the terms, conditions, limits, etc. of the travel insurance policy.
• As of August 1, 2021 epidemic coverage endorsement is not available in states of CO, IN, MO, NY, PA, VA and WA and is subject to change.
• Once a policy is purchased, the purchaser has 2 weeks to review the policy.  If no claims are made, the purchaser may request and get a refund for the policy.
• If the traveler purchases a policy for a specific start date and the trip date changes, upon request, the traveler may adjust the date of the policy.  For instance, if a trip is scheduled to start on August 1, 2022 and the trip is postponed to November 1, 2023, the policy can be changed to reflect those travel changes.