Discovery

Trip Plan, A.M. Best Rating: A
By: battleface, Spinnaker Insurance

Discovery is a Travel Insurance plan for U.S residents traveling domestically or internationally. The plan offers customizable coverage packages for reimbursement on non-refundable trip costs due to covered reasons for Trip Cancellation, Trip Delay, Trip Interruption, and more.

Discovery will cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date under the Travel Medical Package. Coverage for Quarantine is provided under the Trip Delay Package, if ordered by an authorized physician.

Please review Discovery policy documents for complete coverage and exclusions.

Plan Brochure

Key Benefits

COVID-19 Included

Trip Cancellation

Trip Interruption

Trip Delay

How COVID-19 is Covered Under Discovery

COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date with the Optional Travel Medical Package.

COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date with the Optional Travel Medical Package.

COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit

Quarantine coverage included in the Trip Delay benefit can provide coverage for additional accommodation expenses if the quarantine is ordered by a physician with the Optional Trip Delay Package.

Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date with the Optional Travel Medical Package.

Trip Cancellation

Coverage for canceling a trip due to COVID-19 before the departure date.

Eligibility

For U.S residents traveling within the U.S and internationally
For Ages 1 to 85 years old
Coverage for a maximum of 90 days (30 days for FL residents)
Cancel For Any Reason (CFAR) must be purchased within 15 days of initial trip deposit date

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COVID-19 Coverage
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Trip Interruption: Up to 150%
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For U.S residents traveling within the U.S and internationally
For Ages 1 to 99 years old
Coverage for a maximum of 180 days
Cancel for Any Reason (CFAR) must be purchased within 21 days of initial trip deposit date
Interruption for Any Reason(IFAR) must be purchased within 21 days of initial trip deposit date

Purchase Restrictions

Not Available for the following Destination Countries: Cuba (CUB), Iran (IRN), North Korea (PRK), Russia (RUS) & Syria (SYR)
Not Available for Addresses from the Following U.S. States/Territories: New York (NY), North Dakota (ND), Ohio (OH), Oklahoma (OK), Puerto Rico (PR), Vermont (VT), Virgin Islands (VI), Washington (WA), West Virginia (WV), New Hampshire (NH), Nebraska (NE), Mississippi (MS), Alabama (AL), American Samoa (AS), Colorado (CO), Guam (GU), Indiana (IN), Marshall Islands (MH), Maryland (MD), Massachusetts (MA), Minnesota (MN) & Wisconsin (WI)

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Optional Interruption for Any Reason (IFAR) is not available for residents of: NY. IFAR must be purchased within 20 days of initial trip deposit date

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Eligibility

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Coverage for a maximum of 180 days
Optional Cancel for Any Reason (CFAR) is not available for residents of: New York, New Hampshire, and Washington. CFAR must be purchased within 21 days of initial trip deposit date

Purchase Restrictions

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Baggage & Personal Effects
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Optional Cancel for Any Reason: Up to 50%
Optional Car Rental Collison
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Optional Air AD&D

Eligibility

For U.S residents traveling within the U.S and internationally
For Ages 1 to 99 years old
Coverage for a maximum of 30 days
If the first trip payment date is within 15 days of the plan purchase date, the plan may be purchased up to a day prior to departure date.
If the first trip payment date is greater than 15 days prior to plan purchase date, the plan must be purchased at least 5 days prior to departure date.
Prior to departing for your trip, your travel documents must indicate your Departure Date and Return Date

Purchase Restrictions

Not Available for the following Destination Countries: Belarus (BLR), Cuba (CUB), Iran (IRN), Libya (LBY), North Korea (PRK), Russia (RUS), Syria (SYR) & Ukraine (UKR)
Not Available for Purchase from the Following U.S. States/Territories: American Samoa (AS), Guam (GU), Marshall Islands (MH), Puerto Rico (PR) & Virgin Islands (VI)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.