Trip Protection Definitions

Accidental Death & Dismemberment (AD&D) - provides cash payment for accidental loss of life or limb while traveling

Baggage Delay – reimburses you for necessary personal effects if your checked baggage is delayed

Collision Damage Waiver/Rental Car Damage - covers your rental car while you are on your trip

Emergency Medical/Dental -pays for the cost of treatment related to a medical or dental emergency incurred while traveling

Emergency Medical Transportation –we arrange to medically transport you to an appropriate medical facility or to your home in order to receive care.

Flight Accident – Pays accidental death and dismemberment benefits due to an accident occurring while you are a passenger on an aircraft.

Golf & Ski - The ski option reimburses you for your prepaid ski lift ticket if you cannot ski on your trip due to covered reasons. The golf option reimburses you for your prepaid greens fees if you cannot play due to covered reasons.

Lost, Stolen, or Damaged Baggage & Personal Effects – reimburses you for lost, stolen or damaged baggage and personal effects.

Missed Connection – reimburses you for additional costs to join your cruise or tour (varies by plan) if you miss your connection due to a covered reason. It also covers accommodations, meals, and non-refundable trip payments for the unused portion of the cruise or tour.

Sports Equipment - pays for losses related to your sports equipment that is lost by your common carrier, damaged or stolen. Coverage is secondary to any coverage provided by your common carrier.

Sports Equipment Rental - if your sports equipment is damaged, lost or delayed by the common carrier for 12 hours or more, we will reimburse you for the cost of renting sports equipment during your trip (the availability of this benefit varies by plan). Coverage is secondary to any coverage provided by your common carrier.

Trip Cancellation – reimburses you for non-refundable trip payments and deposits if you cancel a trip for a covered reason.

Trip Delay –reimburses you for transportation, meals, accommodations and nonrefundable, unused prepaid trip expenses if your trip is delayed for the specified time limit (varies by plan) due to a covered hazard.

Trip Interruption –reimburses you for non-refundable unused portion of your prepaid trip payments and the additional cost to return home or rejoin your trip due to a covered reason.

Vehicle or Motorcycle Return - provides coverage for the cost of transporting your personal vehicle or motorcycle home when an unexpected illness or injury prevents completion of your trip.

The information above is a summary of trip protection definitions for many of the plans we sell. If there is any difference between the details shown above and the details in your plan document, the provisions of your plan document prevail.