Worldwide Trip Protector Plus
- Travel Insured
United States Fire Insurance Company
- COVID-19 Included
- This plan covers COVID-19 like any other covered medical condition.
- Medical Evacuation
- Up to $1,000,000
- Cancel For Any Reason
- Up to 75% of Non-Refundable Trip Cost
|Up to 100% of trip cost|
|Up to 150% of Trip Cost|
|Covered by the pre-existing condition waiver if you buy this plan within 21 days of your initial trip deposit and insure all prepaid trip cost that are subject to penalties or restrictions. (No coverage for any illness, disease or other condition during the 60 days prior to the effective date of coverage)|
24 Hour AD&D
Accident and Sickness Medical Expense
|Up to $100,000|
Baggage and Personal Effects
Cancel for Any Reason
|Up to 75% of Non-Refundable Trip Cost|
Common Carrier AD&D
|Up to limit purchased (air-flight only)|
Emergency Medical Evacuation
Interruption for any reason
|Up to 75% of Non-Refundable trip cost|
Plan Administrator Company
Carrier / Underwriter
United States Fire Insurance Company
AM Best Rating
Worldwide Trip Protector Plus FAQs
Q1: Who is eligible for the Worldwide Trip Protector Plus?
US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.
Q2: Does my plan cover COVID-19?
If you become ill from contracting COVID-19 during your period of coverage or ordered into quarantine from an authorized person(s), you may be eligible for reimbursement of medical expenses and trip costs. Please refer to your plan documents for the terms and conditions of these benefits.
Q3: What should be included in the trip cost?
The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.
Q4: Can I renew the plan if I extend my trip?
Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.
Q5: Is the plan cancelable?
You can cancel for any reason. You may cancel insurance by given written consent within the first to occur of the following: (a) 14 days from effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.
Q6: Are pre-existing conditions covered by the plan?
The insurance company will not pay for any expenses as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date of coverage. The exclusion for Pre-Existing Condition will be waived provided: (a) Your payment for the policy was within 21 days of the date of your initial deposit date. (b) You insure all pre-paid trip costs that are subject to cancellation penalties or restrictions. (c) You are not disabled at the time your premium is paid.
Q7: Can I cancel the plan for any reason?
Worldwide Trip Protector Plus offers a Cancel for Any Reason benefit. This benefit allows an insured person to receive up to 75% of non-refundable trip cost due to cancellation for any reason. To be eligible for this benefit, an insured must: (a) Purchased and paid for the policy within 21 days of from the initial trip deposit date. (b) Insured 100% of the prepaid trip costs that are subject to cancellation penalties or restrictions. (c) Cancel the trip 48 hours or more before the scheduled departure date.
Q8: What is the Interruption for Any Reason benefit?
The Interruption for Any Reason benefit allows an insured person the ability to interrupt their trip for any reason 72 hours or more after the departure date. Benefits will be paid up to the lesser of (a) the maximum benefit amount show in the certificate or (b) 75% of the total amount of coverage you purchased to reimburse you for unused non-refundable land or water travel arrangements.
Q9: What are some of the covered reasons for trip cancellation benefits?
All options of the plan would cover for the specific covered reasons. Some of these include: Sickness, Injury or Death, Felonious Assault, Court Ordered Appearance, Military Duty for Natural Disaster Relief, Jury Duty, Termination/Layoff, Strike, Weather, Hijacking, Terrorist Incident, Traffic Accident, Bankruptcy/Default, Quarantine, Residence Uninhabitable
Q10: What is the difference between Trip Cancellation and Trip Interruption?
Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.
Q11: Does Worldwide Trip Protector Plus cover the Coronavirus vaccination?
Worldwide Trip Protector Plus doesn't cover COVID-19 vaccinations but will cover COVID-19 treatment and services the same as any other eligible condition if COVID-19 is contracted after the policy effective date. Preventative care related to COVD-19, like vaccinations, aren't covered under the policy. Please login to My Policy to view your plan specific documents for any limits or exclusions.
Q12: When does my coverage start on my trip insurance policy?
Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.
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.