Definition
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24 Hour Emergency Assistance

A 24/7, 365 day service provided by the insurance plans that provide specific emergency services and in extreme cases will approve and coordinate Emergency Evacuations.

Accidental Death Limit

The amount of coverage paid for a covered Accidental Death or Dismemberment. This is usually a broad form of Accidental Death coverage for most types of accidents including Flight Accidents.

Additional Notes

Some policies have additional conditions or limitations that would apply to coverage.

Age

Enter the person's age as of today. If an infant please enter 0.

Available Options

Some plans contain options that may be added to your quote for an additional premium. To add the option click on the option box and then click on the add/remove options button.

Available to

Describes who is eligible to buy the insurance.

Baggage Delay

Provides reimbursement for the purchase of emergency personal effects because your baggage was delayed, usually at your trip's destination, due to one of the specific reasons stated in the policy. The delay has to exceed a specific number of hours for coverage to apply.

Baggage Limit

The maximum amount of coverage for your baggage and personal effects. Coverage is usually all risk meaning that they provide for most causes of loss except for those specifically excluded or limited in the policy. However, some of the policies may limit coverage to when your baggage or personal effects is checked as luggage with a common carrier or airline.

Benefits

The specific financial payments that the insurance company will make.

Bonus Commission

Commission is a form of payment made to an agent or broker from the insurance company. It is a % of the premium and is built into the price of the insurance. A bonus commission or contingency commission is usually associated with profit sharing and usually paid for loss ratios that are at or below a certain % of premium.

Cancel for Any (Other) Reason

Cancel for any reason applies to the trip cancellation coverage. Trip cancellation coverage usually provides coverage if you cancel your trip due to a "Covered Reason". "Cancel for any reason" will provide you with coverage if you cancel for a reason other than those that are covered and will provide you a portion, usually 75% or 90% (depends on the plan) of your non-refundable trip costs. In order to be eligible for coverage you must conform to the plan requirements.

Card Security Code

The Card Security Code (CSC) is usually a 3 or 4 digit number, which is not part of the credit card number. The CSC is typically printed on the back of a credit card (usually in the signature field).
On some cards, all or part of the card number appears before the CSC, while other cards (American Express) has the number on the front of the card.
Some plans require this as an added measure of security.

Company

The name of the Managing Agent that markets and administers the insurance plan.

Contingency Commission

Commission is a form of payment made to an agent or broker from the insurance company. It is a % of the premium and is built into the price of the insurance. A bonus commission or contingency commission is usually associated with profit sharing and usually paid for loss ratios that are at or below a certain % of premium.

Country of Citizenship

The country in which a person is born (and has not renounced or lost citizenship) or naturalized or has inherited citizenship, and to which that person owes allegiance and by which he or she is entitled to be protected.

Country of Residence

The Country where you currently reside, not the Country of your Citizenship.

Country Requiring Visa

This is the country in which you are requesting a Visa for.

Covered Reasons

Trip cancellation and trip interruption coverage will provide benefits if a cancellation or interruption is caused by one of the "covered reasons" (perils) listed in the policy. Trip Cancellation and Interruption coverages are "named peril" coverage and will only provide benefits if the loss is directly caused by one of the named covered reasons.

Credit Cards Accepted

Credit cards that are accepted by the insurance company.

Date of Birth

Enter your date of birth. Your age that you enter into the quote must match your age as of today. If you mistakenly entered a wrong age please click on the requote button and requote with correct ages based on your age as of today.

Date of First Trip Payment

This is the day that the first trip payment was made for the trip to be insured, whether it was a deposit, airline ticket or land arrangement. Many of the Package plans include extra benefits for purchasing the plan within a certain amount of days from the first trip payment.

Date of Trip Departure

The day you are leaving on your trip. Usually this is when you leave your home to begin your trip. Generally this is the effective date for those benefits that cover you only while you are on your trip such as medical and baggage coverages.

Date of Trip Return

The day you are returning from your Trip. This is usually when you return to your home. Generally it is also when your coverages terminate.

Deductible

The amount of covered expenses, that is your responsibility to pay, that occurs before before the insurance company will pay.

Default Coverage

One of the reasons that may be covered under Trip Cancellation or Interruption coverage. Usually this coverage provides protection if the trip is cancelled or interrupted due to the airline, cruise line, or tour operator going bankrupt and unable to provide the trip. Generally this coverage is only available if you buy the coverage within a short period of time from your initial trip payment. Also some companies will exclude from this coverage any arrangements that you have made directly with the travel provider and will only provide benefits if the travel arrangements are made through a travel agent.

Dental Limit

The maximum amount of coverage that the plan will pay for dental expenses. Most policies will pay greater benefits for accidental injury to sound, natural teeth and much more limit coverage for sudden pain that results from other causes. Policies differ greatly, we urge you to read them carefully.

Evacuation Limit

Maximum amount that the plan will pay for covered Emergency Evacuations.

Exclusions

Items or circumstances that are not covered by the policy.

Extra Benefits

Many insurance plans offer enhanced benefits if you purchase your coverage within a specific number of days from your first trip payment. These time-sensitive benefits are only available if you purchase your plan within the required time period and meet any other requirements that might apply.

Extra Time Sensitive Benefits

Many insurance plans offer enhanced benefits such as Waiver of the Pre-existing Condition Exclusion and Default/Bankruptcy Coverage if you purchase your coverage within a specific number of days from your Initial Trip Payment. At least one company uses yourFinal Trip Payment to determine your eligibility for these benefits. These time-sensitive benefits are only available if you purchase your plan within the required time period and meet any other requirements that might apply.

Family Members

Trip cancellation and interruption coverage usually extend coverage for cancellations or interruptions caused by an accident, illness, or death of a "family member". These family members are specifically defined by the policies so it's important that you read them carefully. Some policies also extend cover to Travel Companions and their "family members" others may limit coverage to only the Travel Companion.

Final Trip Payment

The date your last major payment is made or is scheduled to be made for the trip you want to insure.

Flight Accidental Death Limit

A limited form of accidental death and dismemberment coverage (AD&D) that provides benefits for Accidental Death and Dismemberment caused by an accident that occurs while riding as a passenger on a commercial aircraft.

Flight Insurance

A limited form of accidental death and dismemberment coverage (AD&D) that provides benefits for Accidental Death and Dismemberment caused by an accident that occurs while riding as a passenger on a commercial aircraft.

Free Look Period

Defines the policy's refundability should you want to cancel the policy and ask for a premium refund.

I am interested in

What type of coverage are you interested in?
  • Trip, Cruise and Flight Cancellation;
  • Comprehensive package of travel benefits (favored by most travelers);
  • Medical Expense;
  • Medical Evacuation/Repatriation;
  • Flight Accidental Death benefits;
  • Fulfill Visa Requirements

Important Notes

Other coverages or additional benefits that don't fit into other categories but are worth mentioning are listed here. Also any type of important notice the company wants to emphasize will be highlighted here.

Initial Deposit Date

This is the day that the first trip payment was made for the trip to be insured, whether it was a deposit, airline ticket or land arrangement. Many of the Package plans include extra benefits for purchasing the plan within a certain amount of days from the first trip payment. Also known as "Initial Deposit Date" or "Date of First Trip Payment".

Initial Trip Payment

This is the day that the first trip payment was made for the trip to be insured, whether it was a deposit, airline ticket or land arrangement. Many of the Package plans include Extra Time Sensitive Benefits for purchasing the plan within a certain amount of days from the first trip payment.

Medical Evacuation Limit

Maximum amount that the plan will pay for covered Emergency Evacuations.

Medical Limit

Maximum amount that the plan will pay for covered medical expenses. Generally this benefit will cover accidental bodily injury and sicknesses occurring during the term of the policy and in some cases for a period of time afterward.

Missed Connection

Coverage for if you miss a connection on your arrival to your destination due to named reasons. Coverage is usually based on a certain delay time being met.

Money Back Guarantee

Defines the policy's refundability should you want to cancel the policy and ask for a premium refund. Generally its a period of time immediately after the purchase of the plan that is given for you to review it and decide that you do not want it.

Number of Travelers

Enter the number of travelers that you wish to insure. If you have over 10 travelers please call us and we will be happy to discuss a group plan.

Plan Name

The marketing name of the insurance coverage provided by the Company.

Plan Sent by

This is how you will receive the plan confirmation from the company. There are basically three different methods:
  • Email - everything is sent to the email you specify when you complete the online enrollment form;
  • Postal Mail - everything is sent to the address you specify in the online enrollment form through the post office, generally you can expect to receive it within 5-7 business days from the date of purchase; or
  • Email and Postal Mail - you can expect to get an email from the company as well as the plan details via regular postal mail.
No matter what plan you choose to purchase on our site you will receive a confirmation email from us, this will have the plan's general information as well as contact numbers to call.

Plan Type

Indicates the broad category of policy type.
  • "Package" plans are pre-bundled by the insurance company and offer a full range of travel coverages that are designed to protect the traveler in many different situations;
  • "Medical" plans offer coverage for medical expenses incurred while on a trip;
  • "Flight" plans offer accidental death and dismemberment coverage for accidents that occur as a passenger on a commercial flight.

Policy Definitions

All policies use defined terms and have a specific section that contains them. A defined term is usually identified in a policy by either being placed within quotes, being italicized, having the first letter of each word capitalized.

Pre-Existing Condition Period

Travel policies generally exclude from coverage any medical condition for which you are currently being treated or for which you should be treated. Each company will look at a specific period of time prior to your coverage effective date in order to determine if a condition is pre-existing. If treatment is given, or should have been sought during this period than coverage will be excluded. There are usually two exceptions to this exclusion: 1. the pre-existing condition waiver (please see waiver heading for explanation); and 2. the taking of a prescribed medication for a conditions that is controlled throughout the pre-existing condition period. Most plans will not exclude taking a prescribed medication for a controlled condition as long as the condition and the medication have both remained unchanged during the entire period.

Pre-Existing Waiver

Travel insurance policies generally exclude any medical condition for which you are being treated, or should be treated, at the time that you purchase your policy. Many of the companies will waive this exclusion if you buy the insurance within the required time period and you meet the other requirements if any.

QuoteWright Rating

This is a rating on a scale of 0-10 expressed in stars to help you compare each plan's coverage in relation to other plans. A rating of 0 is equal to 0 out of 5 stars while a 10 is 5 out of 5 stars, which is the highest rating.

Rental Car/Collision Limit

A benefit that offers protection for the amount of physical damage on your rental car for which the rental car company holds you personally responsible.

Secondary Coverage

This coverage will coordinate and/or pay for covered expenses after any primary plan that the insured might have in place.

Sort Plans by

Here you can choose how to sort the results of your quote to help you find the right coverage. For instance if you are primarily looking for a certain level of Medical coverage, choose the "Medical Limit" selection and the results will be sorted by medical limit.

State of Residence

What State or Province do you live in?

Terrorism

Is defined by each company. It usually means an act of violence that results in loss of life or major damage to property, by a person or persons that are acting on behalf of an organization which has the intent to overthrow or influence the control of a government. Usually the event must be recognized by the US Department of State as being a terrorist incident.

Total Policy Cost

The total price of the insurance plan that you have quoted. This price includes the premium for all quoted travelers and service fees, if any.

Total Price

The total price of the insurance plan that you have quoted. This price includes the premium for all quoted travelers and service fees, if any.

Total Trip Cost

The total amount of all pre-paid arrangements for all travelers to be insured. This would include airline tickets, hotel accomodations, and/or cruise line payments.

Travel Delay

A benefit that usually covers additional living expenses incurred if your trip is delayed for specific reason. Coverage is generally limited to a maximum daily amount and an overall limit.

Travel Supplier Restrictions

Some companies have restrictions and/or limitiations on coverage for trips involving certain travel suppliers. Most companies list the companies that they will not cover for certain benefits while one company lists the companies that they will cover. Generally these restrictions apply only to the Financial Default coverage for Trip Cancellation/interruption or the coverage for strikes.

Travelers

The primary traveler will be the policyholder.

Trip Cancellation

A type of coverage that generally provides for reimbursement of non-refundable fees that you've paid if you can not go on the trip due to a covered reason. Companies are specific with their covered reasons and we urge you to read them carefully along with the coverage exclusions.

Trip Cancellation Limit

Maximum amount of coverage for Trip Cancellation.

Trip Cost

Enter the total trip cost per person. Please round up to the nearest dollar and do not use any punctuation(decimals or commas). If you don't know the trip cost per person than take the total cost of the trip and divide by the number of travelers to determine a per person average and then enter that.

Trip Destination

The country or region that you will be spending the majority of your time in while on your trip.

Trip Interruption

Very similar coverage to trip cancellation. It is a type of coverage that generally provides for reimbursement of non-refundable fees that you've paid if you are interrupted on your trip (post departure) due to a covered reason(the same that are used for trip cancellation coverage) and which are unused at the point of interruption, plus reimbursement for airfare to return home. Companies are specific with their covered reasons and we urge you to read them carefully along with the coverage exclusions.

Trip Interruption Limit

Maximum amount of coverage for Trip Interruption.

Trip Type

Choose which Trip Type best describes your trip:
  • Cruise(with or without Air) - Choose this if any portion of your trip includes a Cruise.
  • Air Only - Choose this if your pre-paid trip costs consist only of airline tickets.
  • Other - Choose this if your trip includes pre-paid land arrangements, tours or accomodations other than a Cruise. This could include airline tickets.

Underwritten By

The name of the Insurance Company that provides the coverage. Also includes, if available, the A.M. Best financial rating of the insurance company. A.M. Best ratings are:
  • A++, A+ (Superior)
  • A, A- (Excellent)
  • B++, B+(Very Good)
  • B, B- (Fair)
  • C++, C+ (Marginal)
  • C, C- (Weak)
  • D (Poor)
  • E (Under Regulatory Supervision)
  • F (In Liquidation)
  • S (Rating Suspended)

View Policy

View the entire policy.

Will you be working in the state of Florida

Some plans require travelers who are traveling to the United States to disclose if they are coming to the state of Florida to work. If this applies then please answer Yes, otherwise leave as No.