Travel Insurance Definitions
These are some of the most frequently used terms in travel insurance, and in case you are not familiar with all of them you can find definitions here! We have divided them into Plan Definitions and Coverage Definitions for your convenience. But if you don't find a term you are not clear on here, or would like further clarification on any term defined, please don't hesitate to contact us via our Customer Care Hotline, e-mail or our toll free number and we will be prompt to respond!
Plan Definitions
- Short Term/Quick Trip Insurance Plan - 2 to 30 Days - For the travel and medical insurance needs of both US citizens & foreign nationals who need temporary travel insurance while they are traveling anywhere outside their country of citizenship
- Long Term Insurance Plan - 3 Months to 3 Years - For the travel and medical insurance needs of both US citizens & foreign nationals who are working, attending school or traveling for an extended period of time out of their home country
- Medical Travel Insurance Plan - Covers Injury and Illness, Hospitalization, Intensive Care Unit, Transplants, Surgery, Emergency Outpatient, Ground Ambulance, Emergency Medical Evacuation, Supplemental Accident, Maternity, Newborns, Wellness, Pre-Existing Conditions, Mental/Nervous Care, Dental Emergency, Repatriation, Complementary Medicine
- Cancellation/Interruption Travel Insurance Plans - Protects travelers unable to travel or interrupted due to circumstances such as: illness or injury; jury duty; job layoff; terrorism; or the bankruptcy of either a tour operator, cruise line or airline company
- Optional Travel Insurance Plans - Group Coverage, Terrorist Coverage, Defense Base Act Insurance, Extreme Sports/Hazardous Activities Insurance, Evacuation Only Coverage, Baggage Lost or Damaged Coverage, Same Day Coverage, Rental Car Coverage
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Coverage Definitions
- Trip Cancellation - Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled for sickness, injury, death or other specific unforeseen circumstances.
- Trip Interruption - Provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted for sickness, injury, death or other specific unforeseen circumstances.
- Travel Delay - Provides reimbursement for meals and accommodations when a trip is unexpectedly delayed.
- Missed Connection - Provides reimbursement in the event of a missed flight connection or for the additional costs to 'catch up' to a cruise if the cause of delay is accident or bad weather.
- Terrorism at Departure/Destination - Provides coverage if a terrorist act occurs at your destination or departure. Some plans only provide coverage if you are scheduled to arrive within 30 days of the incident and some plans only offer foreign coverage.
- Financial Default of Travel Provider - Coverage is provided usually in the event of a complete suspension of operations due to financial circumstances whether or not bankruptcy is filed. All insurance companies offer different levels of coverage, please check individual coverage statements for more detailed info. Most companies do not provide coverage if you purchase your insurance directly from your tour operator. Some companies also have a limit on the time in between making your initial trip deposit and buying your insurance.
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Coverage that Protects Your Property
- Lost Baggage/Luggage - Provides reimbursement for lost, stolen or damaged luggage or personal items. This coverage is for your entire trip, not just your flight. Laptops and some camera equipment are not covered. If you have items valued over $1,000 it is best to have these items 'scheduled' on your homeowners policy.
- Baggage Delay - Provides reimbursement for clothing, toiletries and other essential items if luggage is delayed for at least 24 hours.
- Rental Car Protection - Collision loss/damage insurance for rental cars covers the costs of damage to, or theft of, a rental car.
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Coverage that Protects Your Health
- Emergency Medical - Pays for the cost of treatment associated with a medical emergency incurred while traveling. Primary Coverage protects you when you do not have medical insurance at your destination. Secondary Coverage protects you only after primary coverage has been exhausted. If you do not have primary coverage at your destination, secondary coverage will not cover you in case of a medical emergency.
- Emergency Dental - Pays for the cost of treatment associated with a dental emergency incurred while traveling.
- Emergency Evacuation - Arranges to medically transport a patient to an appropriate medical facility or to return home in order to receive care. All Emergency Evacuation coverage is PRIMARY if the insured calls the 24-hour assistance line.
- Emergency Repatriation - Arranges for return of remains back to place of residence.
- Pre-Existing Condition - Coverage is provided only if the policy is purchased within a certain number of days after the initial trip deposit was made. If you book outside of this range, coverage is not provided for any loss due to injury or sickness (a medical condition) of you or a family member if, during a certain number of days preceding and including the coverage effective date, there was medical care, advice, consultation or treatment received for the condition, or if there was any adjustment of medication for the condition.
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Coverage that Protects Your Life
- Accidental Death - Provides cash payment for accidental loss of life or limb while traveling. Only a few companies offer coverage for the entire trip.
- Common Carrier Accident - Provides coverage only for the accident while traveling on a common carrier. This is not just the flight portion of your trip but includes any other common carrier such as a cruise ship. This coverage is optional on some plans. We do provide flight only plans; these policies appear in their own category on the pricing page.
- Flight Accident - Provides coverage only for the accident while taking a flight. This coverage is optional on some plans. We do provide flight only plans; these policies appear in their own category on the pricing page.
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Coverage that Protects Medical Plan Riders
- Athletic/Sports Coverage - Provides reimbursement when participating in sports activities other than amateur, club, intramural, interscholastic or intercollegiate tennis, swimming, cross country, track, baseball, softball, volleyball and golf sports only.
- Hazardous Activity Coverage - Provides protection when participating in hazardous activities such as motorcycling, scuba diving, jet, snow, and water skiing, mountain climbing, sky diving, amateur racing, piloting any aircraft, bungee jumping, spelunking, whitewater rafting, surfing, and parasailing.
- Home Country Coverage - Provides coverage when a covered person visits his or her Home Country.
- Terrorism Coverage - Provides coverage for injuries and illness incurred as a result of an act of terrorism.
Plan Features
- 24 Hour Hotline and Services - 24 Hour Hotline provides the traveler with a broad range of services in the event of a travel or medical emergency including: medical referral and monitoring, legal assistance, emergency message center, emergency cash transfer, arrangement of medical evacuations or repatriations, emergency translations, and pre-trip assistance.
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