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Travel with Insurance offers comprehensive Travel Insurance Plans including Trip Cancellation which covers cancellations, interruptions, baggage, delays, medical, evacuation, and more. ¿Viaja con frecuencia, pero no le preocupan las cancelaciones, retrasos o interrupciones del viaje? Se encuentran disponibles varios tipos de planes que ofrecen cobertura de viaje anual. Primero, los planes médicos de viaje que lo cubren mientras viaja internacionalmente durante el año son una opción. Se requiere que exista cobertura médica primaria para ser elegible para los planes médicos de viajes múltiples, y también es importante tener en cuenta la duración máxima permitida por viaje, que varía según el plan. En segundo lugar, las membresías anuales de evacuación de emergencia pueden cubrirlo siempre que viaje a más de una cierta distancia de su hogar (generalmente de 50 a 150 millas, según el plan). Finalmente, algunos de los planes de muerte accidental ofrecen una cobertura opcional de viajes múltiples. > ¿Cuándo debería considerar un plan de seguro de viaje anual? Simple, si tiene varios viajes programados durante un período de un año. Pero sepa, debe regresar a casa entre los viajes. Un solo viaje a múltiples destinos no califica a un viajero para un plan de seguro de viaje anual. Sin embargo, si regresa a casa por un período y luego emprende otro viaje a varios lugares, podría considerar un plan anual o anual. > ¿Qué tipo de cobertura se incluye con los planes anuales? La mayoría de los planes anuales de viajes múltiples se centran principalmente en la cobertura de evacuación médica y de emergencia de viaje o solo en la cobertura de evacuación médica de emergencia. Esto significa que las coberturas estándar en los planes de seguro de viaje integrales generalmente no están incluidas (cancelación de viaje, interrupción del viaje y retraso del viaje). Algunos planes anuales de viajes múltiples incluyen cobertura limitada por pérdida de equipaje, pero no todos. Si está buscando cobertura por muerte accidental, puede comprar un plan por muerte accidental y desmembramiento para viajes múltiples. Esta es una opción elegida en algunos planes de muerte accidental y su compra sería un costo adicional. > ¿Es un plan anual una buena opción para los viajeros frecuentes? Si viaja varias veces en el período de un año, es posible que esté buscando protección de viaje que se adapte a sus necesidades específicas. Lo más probable es que esas necesidades se centren en la atención médica de emergencia durante un viaje al extranjero. Un plan de seguro de viaje anual o anual es una solución perfecta. Cuando viaje al extranjero, es posible que su plan médico primario no lo cubra. Un plan de seguro de viaje anual puede ayudar a compensar los costos de las necesidades de atención médica cubiertas. Como siempre, comuníquese con nuestros expertos en atención al cliente si tiene alguna pregunta específica sobre seguros de viaje. Multi / Anual Seguro de viaje de viaje NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Seven Corners Trip Protection (for US Residents) Seven Corners Trip Protection travel insurance protects trip expenses, medical expenses, and baggage for one-way and round trips in the USA and abroad. If you cancel your trip for a covered reason, the Trip Cancellation benefit in our plans reimburses unused, nonrefundable payments or deposits for the travel arrangements you purchased for your trip. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: The United States Fire Insurance Company Trip Protector (Trip cancellation for US Residents) Select from 3 plans Economy Classic Preferred Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter Travel insurance plans underwritten by Nationwide® to protect your vacation investment Trip cancellation (for US Residents) TravelSafe travel protection is curated for residents of the United States. Whether you are traveling domestically or abroad, our plans offer coverage to help protect your trip, your belongings, and those who go along for the adventure. ach plan has travel insurance benefits and non-insurance assistance services to help protect your trip, your belongings, and those who go along for the adventure. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter Travel insurance plans underwritten by Nationwide® to protect your vacation investment Pathway Premier Covers trip cancellation from $0 up to $100,000 and includes $100,000 Primary Medical with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. The optional Cancel for Any Reason (CFAR) provides reimbursement for the percentage of the prepaid, non-refundable, forfeited payments you paid for your trip, if you cancel your trip for any reason not otherwise covered. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. Trip cancellation for US citizens and US Residents travelling to other countries or domestically Customize & Buy View Brochure Underwritten by: Wesco Insurance Safe Travels Basic Annual Just the necessities. Our Basic level includes our Worldwide 24/7 Emergency Assistance Services, up to $2,500 per Annual Policy Term for Trip Cancellation and Interruption, $10,000 coverage for Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 EXPENSES are covered and treated as any other sickness. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Deluxe Annual The Annual Deluxe Plan features everything in the Basic plan plus we have included Itinerary Change coverage. This plan features $5,000 for Trip Cancellation per Annual Policy Term and Interruption and $20,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Executive Annual The Executive Plan offers all the benefits of both Basic and Deluxe level coverage plus coverage for Sports Equipment Rental! There’s more! $10,000 for Trip Cancellation and Interruption. $50,000 for Emergency Medical Expense, $1,000 for baggage. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Comparison Quote Each of the Travel Insured Worldwide Trip Protector plans include the Trip Cancellation and Trip Interruption coverage as well as Travel Medical Insurance and Medical Evacuation and Baggage Delay, Loss, Theft, and Damage. Travel Insured provides coverage for medical expenses incurred during travel, particularly outside of the U.S., that health insurance providers frequently deny as out of network. With the medical benefits included in these plans, you can help ensure access to quality medical treatment wherever you travel and protect yourself from unexpected travel medical and evacuation expenses Customize & Buy View Brochure AM Best Rating: A Excellent Underwritten by United States Fire Insurance Company Worldwide Trip Protector (WTP) Accident & Sickness Medical Expense $100,000 Option for Cancel for Any Reason (CFAR) and Option for Interruption for Any Reason (IFAR) Medical Evacuation and Repatriation of Remains $1,000,000 Non-Insurance Worldwide Assistance Services are included in both plans and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug/Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 21 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan. COVID 19 is considered an illness and treated the same as any illness Customize & Buy View Brochure AM Best Rating: A Excellent Underwritten by United States Fire Insurance Company World Trip Protector (Edge) Accident & Sickness Medical Expense $10,000 Medical Evacuation and Repatriation of Remains $100,000 Non-Insurance Worldwide Assistance Services are included in this plan and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug / Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 14 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan. COVID 19 is considered an illness and treated the same as any illness. Customize & Buy View Brochure AM Best Rating: A Excellent Underwritten by United States Fire Insurance Company

One of the last privately owned travel insurance companies in the U.S. TravelSafe knows the meaning of keeping it personal. Our company is privately owned and operated, right here in the United States. We get to know our customers on a first name basis, and you get personalized service with every point of contact. Una de las últimas compañías de seguros de viaje de propiedad privada en los EE. UU. TravelSafe conoce el significado de mantenerlo personal. Nuestra empresa es de propiedad y operación privada, aquí mismo en los Estados Unidos. Conocemos a nuestros clientes por su nombre y usted obtiene un servicio personalizado con cada punto de contacto. Visit website Por qué elegir el seguro TravelSafe Un conjunto completo de cobertura para usted y su inversión en viajes. Estos planes van mucho más allá de la simple cobertura de viaje y le brindan una amplia variedad de beneficios para que pueda cubrir su viaje, sus pertenencias y usted mismo. Son todos los beneficios de su seguro de viaje, todos en el plan que elija. TravelSafe ofrece una línea completa de seguros de viaje para viajeros individuales, familiares, de negocios, grupales y estudiantes, con asistencia de emergencia las 24 horas incorporada en cada plan. Planes de protección de viaje Planes grupales para estudiantes y adultos Plan solo médico Planes para viajeros de golf Planes de protección de viaje ofrecidos por TravelSafe TravelSafe Basic The TravelSafe Basic plan is the most economical of plans and may be ideal if you are traveling on a budget. It includes all the standard comprehensive travel insurance benefits that may help to reimburse you for any unexpected costs due to travel concerns such as cancellation, interruption, baggage loss or delay, or travel delays. The Basic plan also has emergency medical and emergency medical evacuation coverage. These benefits can help to fill gaps in your primary health insurance plan if you suffer a covered illness or injury while traveling. Customize & Buy View Brochure Underwritten By: Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, OH. TravelSafe Classic The TravelSafe Classic plan, like the Basic plan, offers trip cancellation and trip interruption coverage with a longer list of covered perils for these benefits. The plan also features other standard comprehensive travel insurance benefits such as baggage protection, travel delay, and emergency medical coverage. Customize & Buy View Brochure Underwritten By: Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, OH. Planes de protección de viaje ofrecidos por TravelSafe GolfSafe Travel Protection You need to be 100% focused on your game to play a great round of golf by avoiding countless hazards on and off the course. That is why TravelSafe created a product specifically for the modern golfer – GolfSafe Travel Protection. Since 1971, TravelSafe Insurance has been helping travelers manage the risks associated with travel. Now, you can protect your trip, yourself, and your equipment from unexpected hazards with travel protection made for golfers, by golfers. Customize & Buy View Brochure Underwritten By: Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, OH. TravelSafe Plan for Canadians Multiple Travel Insurance plans exclusively for Canadian residents including CFAR (Cancel for Any Reason Option) Customize & Buy View Brochure Travel Insurance offered herein is distributed by CanAm Insurance Services (2018) Ltd. Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con CSA TravelSafe? Juegas. Protegemos. Información de contacto de TravelSafe Para informar un reclamo Presente todos los reclamos al Administrador de reclamos utilizando uno de los siguientes métodos: > Atención al cliente 1-888-885-7233 Llame gratis: 866-509-7713 (dentro de los Estados Unidos y Canadá) Llamada por cobrar: 603-952-2047 (desde todas las demás ubicaciones) > Horas de funcionamiento de lunes a viernes De 8:30 a. M. A 5:00 p. M. ET Correo electrónico de reclamaciones Ampliar o renovar la cobertura > Horas de funcionamiento de reclamaciones: De lunes a viernes, de 8:00 a. M. A 5:00 p. M. ET > Contacto de reclamaciones Tel: 877-539-6729 Fax: 800-560-6340 Sitio web de reclamaciones de proveedores Asistencia de emergencia > Enviar por correo a Planes de beneficios coordinados en nombre de US Fire Insurance Company Apartado de correos 26222 Tampa, Florida 33623 Recursos de política Encuentre un médico / hospital

Group travel insurance policies offer comprehensive benefits to cover travelers' main concerns, including Trip Cancellation and Trip Interruption, Emergency Medical, Medical Evacuation, and Travel Delay coverage. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Ofrecemos planes de seguro de viaje grupal, en varias formas, de nuestra amplia variedad de proveedores preferidos. > Planes integrales Estos planes están diseñados para muchos tipos diferentes de grupos de viaje. La mayoría ofrece cobertura de cancelación, interrupción, equipaje, atención médica, dental, evacuación de emergencia, asistencia en viaje las 24 horas, demora de equipaje, demora en el viaje y muerte accidental. > Planes médicos de viaje Estos planes están diseñados para muchos tipos diferentes de grupos que viajan y brindan cobertura médica para viajes de hasta un año de duración. Algunos incluyen cobertura por evacuación, vuelo, muerte accidental, equipaje limitado e interrupción del viaje. > Planes de muerte accidental Los planes por muerte accidental y desmembramiento (AD&D) están diseñados para viajeros que realizan un solo viaje, pero también pueden redactarse anualmente para individuos, empresas o grupos. Los planes AD&D brindan protección en caso de pérdida de la vida o lesión por desmembramiento durante el viaje. Estos planes se pueden suscribir con límites de beneficios de hasta $ 20 millones. > Asegurar viajes en grupo Un grupo de viaje de 10 o más personas puede tener sus propias necesidades. Si tiene un grupo de 10 o más personas que viajan en las mismas fechas de salida y regreso al mismo destino, llame y hable con un representante de seguros de viaje grupal. Ellos lo dirigirán a la mejor opción de plan para usted y su grupo. Additional resources and links for inquiries about the Coronavirus: U.S. Department of State World Health Organization Center for Disease Control and Prevention Covid 19 World Visualizer map Click this world globe to view live Covid-19 statistics from around the world as they happen Tips for International Travelers As the Omicron strain of Covid spreads globally, international travel presents a host of new challenges. Here's a rundown of what international travelers should expect and how they can prepare for their travels abroad. Check the travel alerts and the latest flight information on airline websites and authoritative country-and-state-specific sites based on the itinerary. Keep the Proof of Vaccination card ready to show to the airline, or local authorities. Be prepared to present proof of a recent negative Covid test (RT-PCR). Depending on your airline and destination the requirement the test will need to be taken within 12 to 72 hours of boarding the plane. Have other country-specific documents such as a signed copy of self-declaration, ready. Expect to take covid tests not only upon arrival at the destination, but also at other times throughout your trip and return home. Adhere to mandatory quarantines at the destination. The length of which will depend on your destination country. Anticipate sudden changes to entry requirements. Adhere to mandatory quarantines at the destination. The length of which will depend on your destination country. Anticipate sudden changes to entry requirements. Plan for flight delays, cancellations and schedule changes. Be aware of the type of masks required by the airlines and the destinations. Some airlines no longer accept cloth coverings. Keep digital and paper copies of all your important papers and records. Carry some amount of currency from the destination country. Top COVID-19 & Travel Insurance FAQs What if I contract Coronavirus while I’m on my trip? If you purchase one of the recommended plans, your medical expenses for Coronavirus can be covered by the COVID-19 Treatment benefit and your medical expenses for treatment for Coronavirus contracted on your trip can be covered. Coverage for COVID-19: Benefits may include coverage for Travel Delay if you are delayed for the required number of hours for an applicable covered reason. Covered reasons vary by plan, so review your plan document. What kind of travel insurance covers for Covid? Both travel medical insurance and trip insurance offer specific Covid related coverage and benefits. This includes coverage for the highly transmissible Omicron variant. If any strain of Covid is contracted after the policy effective date, then travel medical insurance can provide coverage. Similarly, if someone has to cancel their trip due to contracting Covid, trip insurance can cover some of the non-refundable costs. For the most up-to-date information on the Omicron variant or any other variant, please contact the WHO or the CDC. Does travel insurance cover the Covid test? There are plans that offer Covid coverage that will cover the cost of testing if the insured is having symptoms and the attending physician orders it for diagnostic grounds. Preventative Covid tests do not qualify for coverage. Will my visitor insurance cover for Covid vaccination? Travel insurance does not cover the Covid vaccination, which means you'll need to pay for the Covid vaccine. If you're traveling to the United States, for example, make sure you do research on exactly which vaccines are acceptable. However, if the virus was contracted during the policy's coverage period, there are travel medical and trip cancellation insurance plans that can cover Covid treatment and services. With the introduction of new Covid variants, it is recommended that you obtain travel medical insurance coverage that includes Covid benefits so you can relax while traveling overseas. Does travel insurance cover quarantine? Is quarantine covered by Covid travel insurance? Covid coverage and quarantine benefits are included in several travel medical and trip insurance plans. To use the quarantine benefits on their travel medical insurance plan, the policyholder must meet the following requirements: Covid-19 and quarantine indemnity compensation must be covered by your travel medical insurance plan. After the policy's effective date, the attending physician must diagnose Covid-19. In order to be covered, services and treatments must be ordered by a medical doctor. This can entail things like diagnostics, treatment, medicine, and being placed in quarantine. If I cancel my trip because of Covid, will it be covered? If you have travel medical insurance and need to cancel your trip due to Covid, you may cancel and obtain a refund before the effective date, depending on the plan you selected (date of departure). For any limitations or exclusions, please verify the cancellation terms and conditions for your specific plan. A "free look back period" is a period during which a policyholder can cancel their trip insurance coverage and receive a full refund if they do so within a certain duration. The length of the free look back period varies by plan. If a policyholder needs to cancel a trip due to contracting Covid after the free look back time has elapsed, they can use the trip cancellation benefit on the policy. If an insured person has to cancel their trip due to Covid illness, they can claim the policy's trip cancellation benefit once the free review period has expired. This benefit can cover up to 100% of non-refundable prepaid travel expenses. If the holder of a travel insurance policy needs to cancel for any other reason that is not covered, he/she should consider purchasing a plan that offers Cancel for Any Reason (CFAR) coverage. CFAR is an optional benefit that policyholders can add to their standard coverage. With this benefit, you can cancel for any reason and the insurance company can reimburse the policyholder for up to 75% of the prepaid non-refundable travel expenses. Can I Buy Travel Insurance if There are Travel Advisories in Place? With the vaccine rollout, many countries are allowing travel again. If you decide to travel, be sure to take necessary precautions to protect yourself and your loved ones from the virus. Some countries are now requiring all visitors to purchase travel insurance. Please refer to your local government’s regulations and advisories. If I am Traveling Overseas and I Get Covid, Can My Travel Insurance Help Me Be Evacuated? Some travel medical and trip insurance plans do provide coverage for emergency medical evacuation. The coverage and limitations on the emergency medical evacuation will depend on the plan purchased. The evacuation will either be to the nearest hospital or back to the insured’s home country for additional treatment. Be sure to read the policy details carefully before purchasing. If I am Overseas and Get Covid, Will My Domestic Health Insurance Cover It? Many people may not know that their domestic healthcare most likely will not provide coverage outside of their home country. This is why it’s important to have a travel insurance plan while traveling abroad. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Seven Corners Travel Medical Insurance - Including USA International Travel to the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, Covid will be treated same as any Illness on both plans. Examples of eligible purchases for Travel Including the USA A non-U.S. resident and non-U.S. citizen is traveling to the USA. A non-U.S. resident and non-U.S. citizens is spending part of their trip in the USA. An Irish citizen and resident is flying to Mexico and has a layover in the USA. A Mexican citizen and resident is driving through the USA to Canada. 2 Plan Levels available Basic Plan Seven Corners Travel Medical Choice The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Seven Corners Travel Medical Global- Excluding USA International Travel outside of the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, along with coverage for COVID-19 Examples of eligible purchases for Travel Medical Global Excluding the USA: Travelers must be non-U.S. residents who are at least 14 days of age or older. You are covered for worldwide trips that exclude the USA, provided you are traveling outside of the country where you have your primary residence A non-U.S. resident and non-U.S. citizen is traveling outside the USA. A French citizen and resident flying to Iceland and returning home. An Australian citizen and resident flying to Europe, Africa, and Canada. 2 Plan Levels Basic & Choice Covid Same as any illness From 14 days old to 64 years old: Options up to $1,000,000; 65 to 79 years old: $50,000; $100,000; 80 years and older: $10,000 The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Safe Travels Explorer Budget-friendly travel protection plan designed for leisure or business travel for domestic and international trips. This plan includes Worldwide 24/7 Emergency Assistance Services, Trip Cancellation and Interruption, $50,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Trip cancellation for US citizens and US Residents travelling to other countries or domestically Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Patriot America Plus COVID-19 coverage for travelers to the U.S. Coverage for non-U.S. residents traveling to the USA Coverage for acute onset of pre-existing conditions Renewable up to 24 months Deductible options from $0 to $2,500 Maximum Limits from $50,000 to $1,000,000 Customize & Buy View Brochure AM Best Rating - A+ Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Patriot Platinum Travel COVID-19 covered same as any other illness Travel medical insurance for individuals, families and groups Coverage for acute onset of pre-existing conditions Renewable up to 36 months Deductible options from $0 to $25,000 Maximum limits from $2,000,000 to $8,000,000 Customize & Buy View Brochure AM Best Rating - A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Safe Travels Voyager (For US Citizens) The Safe Travels Voyager is designed for those who are looking for the highest available benefit limits to protect your trip. This plan covers trips up to $100,000 for trip cancellation and includes a $250,000 per person limit Primary Medical Coverage with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. Includes minimum coverage of $2,000 for potential quarantine accommodations/lodging expenses. COVID-19 MEDICAL EXPENSES may be covered and treated the same as any other sickness. Meets Costa Rica Travel Insurance Requirements. The Optional Cancel for Any Reason (CFAR) provides reimbursement for 75% of the prepaid, non-refundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. This plan is only available to U.S. Citizens and U.S. Residents and can be purchased for a trip cost of $0 to $100,000. It includes $250,000 of primary Medical Coverage and Trip Delay of $2,000 for accommodations/lodging expenses. Upon purchase, you will receive a visa letter that you can upload using this link - https://salud.go.cr - to the Costa Rica Health Pass website and complete the required paperwork to get your QR code to show airport authorities upon arrival to Costa Rica. Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels International (For Non US Citizens) Travel Medical and other benefits, for anyone while traveling from their Home Country but NOT valid for travel from, in, or to the United States of America. Rates are based on age and plan options. Effective 1/28/2021 at 11AM, This plan includes $2,000 of trip delay quarantine lodging expenses and $2,500 of Unexpected Recurrence of a Pre-existing condition benefit. This Coverage can be purchased for a minimum of five (5) days up to a maximum364 days. If a minimum of 5 days is purchased, the policy term may be extended with uninterrupted coverage for up to 2 years. COVID-19 EXPENSES, up to the amount selected, are covered and treated as any other sickness. This is stated on the VISA Letter and in the policy wording that you receive with the order. **Plans purchased after January 28, 2021 at 11AM CST meets Costa Rica Rica requirements to get a Health Pass. This plan is not available to US citizens unless they live in the origin country. Customize & Buy View Brochure Underwritten by: Nationwide

Worldwide health / travel insurance specifically designed for crews, missionary or student travelers as well as annual plans for individuals and their families who intend to be outside their home country for at least 3 months each year. These plans are designed to support the international lifestyles of those who travel to or from the United States for extended periods of business, leisure and study. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? ¿Viaja con frecuencia, pero no le preocupan las cancelaciones, retrasos o interrupciones del viaje? Se encuentran disponibles varios tipos de planes que ofrecen cobertura de viaje anual. Primero, los planes médicos de viaje que lo cubren mientras viaja internacionalmente durante el año son una opción. Se requiere que exista cobertura médica primaria para ser elegible para los planes médicos de viajes múltiples, y también es importante tener en cuenta la duración máxima permitida por viaje, que varía según el plan. En segundo lugar, las membresías anuales de evacuación de emergencia pueden cubrirlo siempre que viaje a más de una cierta distancia de su hogar (generalmente de 50 a 150 millas, según el plan). Finalmente, algunos de los planes de muerte accidental ofrecen una cobertura opcional de viajes múltiples. > ¿Cuándo debería considerar un plan de seguro de viaje anual? Simple, si tiene varios viajes programados durante un período de un año. Pero sepa, debe regresar a casa entre los viajes. Un solo viaje a múltiples destinos no califica a un viajero para un plan de seguro de viaje anual. Sin embargo, si regresa a casa por un período y luego emprende otro viaje a varios lugares, podría considerar un plan anual o anual. > ¿Qué tipo de cobertura se incluye con los planes anuales? La mayoría de los planes anuales de viajes múltiples se centran principalmente en la cobertura de evacuación médica y de emergencia de viaje o solo en la cobertura de evacuación médica de emergencia. Esto significa que las coberturas estándar en los planes de seguro de viaje integrales generalmente no están incluidas (cancelación de viaje, interrupción del viaje y retraso del viaje). Algunos planes anuales de viajes múltiples incluyen cobertura limitada por pérdida de equipaje, pero no todos. Si está buscando cobertura por muerte accidental, puede comprar un plan por muerte accidental y desmembramiento para viajes múltiples. Esta es una opción elegida en algunos planes de muerte accidental y su compra sería un costo adicional. > ¿Es un plan anual una buena opción para los viajeros frecuentes? Si viaja varias veces en el período de un año, es posible que esté buscando protección de viaje que se adapte a sus necesidades específicas. Lo más probable es que esas necesidades se centren en la atención médica de emergencia durante un viaje al extranjero. Un plan de seguro de viaje anual o anual es una solución perfecta. Cuando viaje al extranjero, es posible que su plan médico primario no lo cubra. Un plan de seguro de viaje anual puede ayudar a compensar los costos de las necesidades de atención médica cubiertas. Como siempre, comuníquese con nuestros expertos en atención al cliente si tiene alguna pregunta específica sobre seguros de viaje. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Global Medical Insurance (Long Term) Long-term (1+ year) worldwide medical insurance for individuals and families Annually renewable medical coverage Deductible options from $100 to $25,000 Maximum limit options from $1,000,000 to $8,000,000 Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Global Crew Medical Long-term (1+ year) worldwide medical insurance for marine captains & crew members Annually renewable medical coverage Deductible options from $100 to $25,000 Maximum limits from $1,000,000 to $8,000,000 Premium modes to schedule the frequency of payment that meets your needs Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's International Marine Medical Worldwide group coverage for professional marine crew $5,000,000 maximum benefit per insured person per period of coverage Primary to the vessel's Protection and Indemnity insurance (P&I) Coverage for individuals and dependents Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's GeoBlue Xplorer Premier (Standard Expatriate) Complete health insurance plan that you can use anywhere in the world. Annual plan for individuals and families who intend to be outside their home country for at least 3 months a year. Customize your medical coverage to suit your needs. Unlimited annual and lifetime medical maximum. International health insurance that covers you inside and outside the U.S. Immediate coverage of pre-existing conditions with proof of previous coverage. Choice to see any healthcare provider outside of the U.S. and access to the Blue Cross Blue Shield PPO network in the U.S and more... Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 GeoBlue Navigator Crew (Expat Crew Medical Coverage) Complete, affordable worldwide coverage designed for maritime crew members. Annual plan for those who intend to be outside their home country at least 3 months a year. Covers dependents and families (only the subscriber must be in the crew profession). Sailboat racing, scuba diving and alcohol-related injuries are covered. Unlimited annual and lifetime medical maximum. Coverage is primary to protection & indemnity (P&I) insurance. Immediate coverage of pre-existing conditions with proof of previous coverage and more... Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 GeoBlue Navigator Missionary Medical Coverage Complete, affordable worldwide coverage designed for NGOs, missionaries and those involved in humanitarian work. Annual plan for individuals and their families who intend to be outside their home country for at least 3 months each year. Covers dependents and families (only the subscriber must be a member of an NGO or charitable organization). Unlimited annual and lifetime medical maximum. Immediate coverage of pre-existing conditions with proof of previous coverage. Illnesses and injuries related to terrorism are covered. Choice to see any healthcare provider outside of the U.S. and access to the Blue Cross Blue Shield PPO network in the U.S. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 GeoBlue Navigator Student Complete, affordable worldwide coverage designed for students (including Optional Practical Training (OPT) status), teachers and faculty. Annual plan for individuals and their families who intend to be outside their home country for at least 3 months each year. Covers dependents and families (only the subscriber must be a teacher, student or faculty). Flexible options for plan length. Plan options that meet F1 and J1 Visa requirements. Unlimited annual and lifetime medical maximum. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724

Travel with Insurance delivers online based, insurance information to individuals, families and businesses and make sure that you receive the very best travel Insurance quotes and service for your trip. We offer a comprehensive, competitive service with a strong network of leading insurance and financial partners.  Privacy policy Travel with insurance is sensitive to the privacy issues raised by use of the Internet, and we are committed to protecting your privacy in a manner that will allow you to use our resources with complete confidence and comfort. Only when voluntarily offered, travel with insurance collects information that can identify you and uses this information in accordance with its privacy policy. When you sign up for our services travel with insurance requests personal information, including your name, e-mail address, and other information necessary to provide you with personalized service. We do not disclose any personal information unless you authorize us to do so, the law requires it, or to protect the rights or property of travel with insurance. Any non-personal information, communications or material you send to travel with insurance by Internet electronic mail is on a non-confidential basis. We are free to use and reproduce any such information freely, and for any purpose whatsoever. We operate under a strict set of privacy principles. Travel with insurance takes care to respect the privacy of its online visitors (guests and/or members). Information that can identify any online visitor is collected only when voluntarily offered by the visitor. At Travel with insurance we continuously strive to improve your experience. To do so, we internally use personally identifiable information to personalize the customer experience and to improve our content and product offering, and site design and layout. We do not sell or rent any personally identifiable information about you to any third party. We may share non-personal, aggregate information regarding customer demographics, traffic patterns, sales, and site usage with our partners or advertisers. We will never willfully disclose personally identifiable information about our customers to any third party without prior consent. We do not share personal information provided by site visitors with anyone outside travel with insurance, except to the extent necessary to allow you to participate in site activities. In particular, we do not rent or sell mailing lists of site visitors to any third party. We will never post your e-mail address or other identifying information you have provided on our site without your consent. We collect non-personal information from online visitors in order to constantly improve our web site. Information that can identify a visitor (e.g. name or address) is not collected in this process, nor does travel with insurance require disclosure of such information. Information that can identify a visitor is collected only when the visitor provides it voluntarily. You are solely responsible for maintaining the secrecy of your passwords and/or account information. Please be careful and responsible whenever you are online. Any changes in this privacy policy will be promptly disclosed in these pages. Return to check from time to time.

IMG is an award-winning provider of global insurance benefits and assistance services. Since 1990, IMG have supported millions of people in almost every country by providing world-class products, customer service and benefits. IMG es un proveedor galardonado de servicios de asistencia y beneficios de seguros globales. Durante más de 25 años, han permitido que los miembros se preocupen menos y experimenten más al brindar la protección que necesitan, respaldada por el apoyo que se merecen. Desde 1990, IMG ha apoyado a millones de personas en casi todos los países proporcionando productos, servicio al cliente y beneficios de clase mundial. Visit website Por qué elegir IMG Insurance IMG sabe que las razones para viajar internacionalmente son muchas y variadas, por eso sus productos también lo son. Su enfoque de servicio completo para proporcionar productos de seguro médico internacional incluye brindar servicios a los vacacionistas, aquellos que trabajan o viven internacionalmente por períodos cortos o prolongados, personas que viajan con frecuencia entre países y aquellos que mantienen varios países de residencia. El equipo dedicado de especialistas internacionales y multilingües y profesionales de servicio al cliente altamente capacitados respaldan los beneficios que los miembros necesitan con los servicios que desean. IMG ofrece una línea completa de planes de protección de viaje que incluyen iTravelInsured Travel Lite , iTravelInsured Travel SE e iTravelInsured Travel LX , que brindan diferentes niveles de cobertura para cancelación de viaje, demora de equipaje, interrupción de viaje, beneficios médicos y muchos otros eventos relacionados con viajes y gastos. Estos planes fueron diseñados para protegerlo de pérdidas financieras en caso de que ocurra algo malo antes o durante su viaje. > Los planes son perfectos para Viajeros internacionales Cruceros Safaris y visitas guiadas Vacaciones / Días festivos Visitantes / Inmigrantes Empleadores / Viajeros de negocios > Línea completa de planes de protección para viajes iTravelInsured Travel Lite , iTravelInsured Travel SE iTravelInsured Travel LX Planes integrales iTravelInsure Plan Budget level plan for price-conscious travelers Trip cancellation benefit up to 100% of trip cost Trip interruption benefit up to 125% of trip cost Emergency medical expense, evacuation, and reunion benefits $500 for travel delay Customize & Buy View Brochure Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's iTravelInsure Travel SE Family-friendly plan for domestic and international destinations Trip cancellation benefit up to 100% of trip cost Trip interruption benefit up to 150% of trip cost $500 for travel delay $500,000 coverage for emergency medical evacuation Customize & Buy View Brochure Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's iTravelInsure Travel LX Up to $100,000 per person coverage for trip cancellation Trip interruption benefit up to 150% of trip cost $1,000 for travel delay $1,000,000 coverage for emergency medical evacuation Cancel and interruption for any reason benefit available as an optional upgrade Customize & Buy View Brochure Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Planes de viajes médicos Patriot Medical Travel Travel medical insurance for individuals, families, and groups Renewable up to 24 months Deductible options from $0 to $2,500 Maximum limits from $50,000 to $1,000,000 Coverage for medical expenses, evacuation, and repatriation Customize & Buy View Brochure AM Best Rating - A+ Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Patriot America Plus COVID-19 coverage for travelers to the U.S. Coverage for non-U.S. residents traveling to the USA Coverage for acute onset of pre-existing conditions Renewable up to 24 months Deductible options from $0 to $2,500 Maximum Limits from $50,000 to $1,000,000 Customize & Buy View Brochure AM Best Rating - A+ Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Patriot Platinum Travel COVID-19 covered same as any other illness Travel medical insurance for individuals, families and groups Coverage for acute onset of pre-existing conditions Renewable up to 36 months Deductible options from $0 to $25,000 Maximum limits from $2,000,000 to $8,000,000 Customize & Buy View Brochure AM Best Rating - A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Patriot Multi Trip Annual multi-trip travel medical insurance for individuals, families and groups Deductible of $250 Maximum limit of $1,000,000 Coverage for multiple trips up to 30 or 45 days Flexibility to travel as many times per year Customize & Buy View Brochure AM Best Rating - A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Travel Medical Insurance Seniors 65y+ Travel medical insurance for travelers age 65+ GlobeHopper Senior Single-Trip is extendable up to 12 months Deductible options from $0 to $2,500 Maximum limits from $50,000 to $1,000,000 Two plan designs – Single-Trip and Multi-Trip Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Global Medical Insurance Long-term (1+ year) worldwide medical insurance for individuals and families Annually renewable medical coverage Deductible options from $100 to $25,000 Maximum limit options from $1,000,000 to $8,000,000 Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Global Crew Medical Long-term (1+ year) worldwide medical insurance for marine captains & crew members Annually renewable medical coverage Deductible options from $100 to $25,000 Maximum limits from $1,000,000 to $8,000,000 Premium modes to schedule the frequency of payment that meets your needs Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's International Marine Medical Worldwide group coverage for professional marine crew $5,000,000 maximum benefit per insured person per period of coverage Primary to the vessel's Protection and Indemnity insurance (P&I) Coverage for individuals and dependents Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Planes de especialidad Patriot Exchange Program Medical insurance for students studying abroad or participants of cultural exchange programs Deductible options from $0 to $500 Maximum limit of $5,000,000 Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Student Health Advantage Medical insurance for international students or scholars participating in a sponsored study abroad program Coinsurance in PPO network or student health center within the U.S.: Company pays 100% Deductible of $100 Maximum limit for student: $500,000 Provides coverage for mental health, organized sports and pre-existing conditions Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Student Health Advantage Platinum Medical insurance for international students or scholars participating in a sponsored study abroad program Coinsurance in PPO network or student health center within the U.S.: Company pays 100% Maximum limit for student: $1,000,000 Provides coverage for mental health, organized sports and pre-existing conditions Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con Seguro IMG? Información de contacto de IMG Insurance > Atención al cliente 866-263-0669 Correo electrónico de reclamaciones Ampliar o renovar la cobertura > Correo electrónico de reclamaciones Consulte el número de fax, la dirección de correo electrónico o la dirección postal en sus documentos IMG. Sitio web de reclamaciones de proveedores Asistencia de emergencia > Enviar a 2960 North Meridian Street Indianápolis, IN 46208 Presentar reclamaciones Encuentre un médico / hospital

Travelex Insurance Services is a leading travel insurance provider in North America with over 55 years of combined industry expertise of helping people dream, explore and travel with confidence. Travelex is committed to delivering exceptional products and services to their clients. IMG es un proveedor galardonado de servicios de asistencia y beneficios de seguros globales. Durante más de 25 años, han permitido que los miembros se preocupen menos y experimenten más al brindar la protección que necesitan, respaldada por el apoyo que se merecen. Desde 1990, IMG ha apoyado a millones de personas en casi todos los países proporcionando productos, servicio al cliente y beneficios de clase mundial. Visit website Why choose Travelex Headquartered in Omaha, NE, Travelex Insurance Services (TIS) was founded in 1996 when the Travelex Group purchased the travel insurance distribution services of Mutual of Omaha Companies. Not only do they offer simple, yet inclusive insurance plans for customers, their relationship-driven approach and superior customer service has been recognized by industry leaders. The strength of the TIS brand, their reputation and services have been recognized in the United States as a leader in the travel insurance industry. Establishing themselves as an innovator, TIS introduced the pre-existing medical condition waiver—a breakthrough in enhanced travel insurance for the consumer. Travelex was also an industry leader with the inclusion of features such as covering children at no additional cost and including key-person coverage for non-traditional families. In 2016 Travelex Insurance Services was acquired by Cover-More Group which is a wholly-owned subsidiary of Zurich Insurance Group, Australia’s largest travel insurance, medical assistance and employee assistance provider. The group is listed on the Australian Securities Exchange (ASX: CVO). Cover-More has the leading market position in Australia, Brazil, Argentina, Ireland, New Zealand, and in the U.S. TIS continues to expand and take the lead in innovation by making their products and services available to more customers than ever before. Planes integrales Advantage The Advantage plan offers great coverage at an even greater price. Emergency Medical & Dental Trip Cancellation Travel Assistance With benefits including trip cancellation coverage, emergency medical and dental expense coverage, 24-hour travel assistance and more, the Advantage plan offers all of the essentials for an affordable price. Up to $50,000 Emergency Medical Expenses Enjoy Primary Coverage Up to $10,000 Trip Cancellation & Interruption 24/7 Travel Assistance Services Customize & Buy View Flyer AM Best Rating: A+ Underwritten by Zurich American Insurance Company Ultimate The Ultimate plan offers comprehensive benefits and access to nine unique upgrades. Emergency Medical & Dental Trip Cancellation Travel Assistance Nine Optional Upgrades Whether you’re traveling for business, with your family, or for fun, Travelex’s premium insurance plan, Ultimate, offers the benefits and customizable upgrades you need to help keep yourself - and your vacation investment - protected. Up to $$250,0001 Emergency Medical Expenses Enjoy Primary Coverage Includes coverage for children 17 and under per each insured adult traveler 21-day Pre-Existing Medical Condition exclusion waiver available 1 $50,000 for NH residents Customize & Buy View Brochure AM Best Rating: A+ Underwritten by Zurich American Insurance Company A+ from AM Best, AA from Standard & Poor’s Disclaimer: The product descriptions provided here are only brief summaries and may be changed without notice. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Travelex Insurance Services, Inc. CA Agency License #0D10209. Insurance coverages underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company (NAIC #16535, state of domicile: New York), 1299 Zurich Way, Schaumburg, IL 60196. Certain coverages not available in all states. Customize & Buy View Brochure AM Best Rating: A+ Underwritten by Zurich American Insurance Company Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con Seguro IMG? Información de contacto de IMG Insurance > Atención al cliente 866-263-0669 Correo electrónico de reclamaciones Ampliar o renovar la cobertura > Correo electrónico de reclamaciones Consulte el número de fax, la dirección de correo electrónico o la dirección postal en sus documentos IMG. Sitio web de reclamaciones de proveedores Asistencia de emergencia > Enviar a 2960 North Meridian Street Indianápolis, IN 46208 Presentar reclamaciones Encuentre un médico / hospital

Costa Rica Required Travel Insurance The government of Costa Rica has implemented the following requirements for visitors abroad to comply with before entering the country. Our travel insurance plans covers all you need to travel with peace of mind to Costa Rica. Costa Rica Seguro de viaje requerido El gobierno de Costa Rica ha implementado los siguientes requisitos que deben cumplir los visitantes en el extranjero antes de ingresar al país. Planes de política de viajes especializados para Costa Rica Para las pólizas de seguros internacionales, los turistas deben solicitar una certificación a su compañía de seguros, emitida en inglés o español, verificando al menos las siguientes tres condiciones: Policy Effectiveness of the policy during the visit to Costa Rica. You will need to fill out the electronic epidemiological health pass form before departure. Medical Expenses Coverage for Medical expenses in the event of becoming ill with the pandemic COVID-19 virus while in Costa Rica, for at least $50,000. Minimum Coverage Includes minimum coverage of $2,000 for potential quarantine lodging expenses issued as a result of the pandemic. > Regulaciones de Costa Rica El plan Safe Travels Voyager solo está disponible para ciudadanos de EE. UU. Y residentes de EE. UU. Que viajen desde EE. UU. Y se puede comprar por un costo de viaje de $ 0 a $ 100,000. Incluye $ 250,000 de cobertura médica primaria y demora de viaje de $ 2,000 para gastos de alojamiento / alojamiento en cuarentena. Al realizar la compra, recibirá una carta de visa y un certificado para presentar a la República de Costa Rica. A partir del 26 de enero de 2021, todos los viajeros que vuelen a los Estados Unidos deberán presentar una prueba COVID-19 negativa antes de ingresar al país. Las aerolíneas serán responsables de confirmar los resultados negativos de las pruebas de todos los pasajeros antes de abordar un vuelo a los Estados Unidos. El costo de esta prueba obligatoria no es un beneficio cubierto por ninguno de nuestros planes de seguro de viaje. Los planes no cuentan con beneficios de acomodaciones adicionales para viajar para realizar el examen. Si alguien no recibe los resultados de la prueba a tiempo, este no sería un beneficio cubierto por retraso o interrupción del viaje. En caso de que alguien tenga una prueba positiva, podría haber cobertura para retrasos en el viaje para alojamiento adicional debido a la cuarentena. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Safe Travels Voyager (For US Citizens) The Safe Travels Voyager is designed for those who are looking for the highest available benefit limits to protect your trip. This plan covers trips up to $100,000 for trip cancellation and includes a $250,000 per person limit Primary Medical Coverage with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. Includes minimum coverage of $2,000 for potential quarantine accommodations/lodging expenses. COVID-19 MEDICAL EXPENSES may be covered and treated the same as any other sickness. Meets Costa Rica Travel Insurance Requirements. The Optional Cancel for Any Reason (CFAR) provides reimbursement for 75% of the prepaid, non-refundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. This plan is only available to U.S. Citizens and U.S. Residents and can be purchased for a trip cost of $0 to $100,000. It includes $250,000 of primary Medical Coverage and Trip Delay of $2,000 for accommodations/lodging expenses. Upon purchase, you will receive a visa letter that you can upload using this link - https://salud.go.cr - to the Costa Rica Health Pass website and complete the required paperwork to get your QR code to show airport authorities upon arrival to Costa Rica. Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels International (For Non US Citizens) Travel Medical and other benefits, for anyone while traveling from their Home Country but NOT valid for travel from, in, or to the United States of America. Rates are based on age and plan options. Effective 1/28/2021 at 11AM, This plan includes $2,000 of trip delay quarantine lodging expenses and Unexpected Recurrence of a Pre-Existing Medical Condition benefit of $20,000 up to age 65 and $10,000 over age 65. This Coverage can be purchased for a minimum of five (5) days up to a maximum of 364 days. If a minimum of 5 days is purchased, the policy term may be extended with uninterrupted coverage for up to 2 years. COVID-19 EXPENSES, up to the amount selected, are covered and treated as any other sickness. This is stated on the VISA Letter and in the policy wording that you receive with the order **Plans purchased after January 28, 2021 at 11AM CST meets Costa Rica Rica requirements to get a Health Pass. This plan is not available to US citizens unless they live in the origin country. Upon purchase, you will receive a visa letter that you can upload using this link - https://salud.go.cr - to the Costa Rica Health Pass website and complete the required paperwork to get your QR code to show airport authorities upon arrival to Costa Rica. Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels International Cost Saver (For Non US Citizens) Travel Medical and other benefits, for anyone while traveling from their Home Country but NOT valid for travel from, in, or to the United States of America. Rates are based on age and plan options. Effective 1/28/2021 at 11AM, This plan includes $2,000 of trip delay quarantine lodging expenses and $2,500 of Unexpected Recurrence of a Pre-existing condition benefit. This Coverage can be purchased for a minimum of five (5) days up to a maximum364 days. If a minimum of 5 days is purchased, the policy term may be extended with uninterrupted coverage for up to 2 years. COVID-19 EXPENSES, up to the amount selected, are covered and treated as any other sickness. This is stated on the VISA Letter and in the policy wording that you receive with the order. **Plans purchased after January 28, 2021 at 11AM CST meets Costa Rica Rica requirements to get a Health Pass. This plan is not available to US citizens unless they live in the origin country. Customize & Buy View Brochure Underwritten by: Nationwide ¡Pura vida! Costa Rica te espera.

As an international student, peace of mind is a priority when you study abroad. Your educational adventure or cultural exchange program should be an enjoyable experience. Student travel insurance plans are designed to specifically meet the needs of international students, scholars, and people involved in long-term educational and cultural exchange programs. Plans that offer a robust package of benefits while outside your home country. ¿Viaja con frecuencia, pero no le preocupan las cancelaciones, retrasos o interrupciones del viaje? Se encuentran disponibles varios tipos de planes que ofrecen cobertura de viaje anual. Primero, los planes médicos de viaje que lo cubren mientras viaja internacionalmente durante el año son una opción. Se requiere que exista cobertura médica primaria para ser elegible para los planes médicos de viajes múltiples, y también es importante tener en cuenta la duración máxima permitida por viaje, que varía según el plan. En segundo lugar, las membresías anuales de evacuación de emergencia pueden cubrirlo siempre que viaje a más de una cierta distancia de su hogar (generalmente de 50 a 150 millas, según el plan). Finalmente, algunos de los planes de muerte accidental ofrecen una cobertura opcional de viajes múltiples. > ¿Cuándo debería considerar un plan de seguro de viaje anual? Simple, si tiene varios viajes programados durante un período de un año. Pero sepa, debe regresar a casa entre los viajes. Un solo viaje a múltiples destinos no califica a un viajero para un plan de seguro de viaje anual. Sin embargo, si regresa a casa por un período y luego emprende otro viaje a varios lugares, podría considerar un plan anual o anual. > ¿Qué tipo de cobertura se incluye con los planes anuales? La mayoría de los planes anuales de viajes múltiples se centran principalmente en la cobertura de evacuación médica y de emergencia de viaje o solo en la cobertura de evacuación médica de emergencia. Esto significa que las coberturas estándar en los planes de seguro de viaje integrales generalmente no están incluidas (cancelación de viaje, interrupción del viaje y retraso del viaje). Algunos planes anuales de viajes múltiples incluyen cobertura limitada por pérdida de equipaje, pero no todos. Si está buscando cobertura por muerte accidental, puede comprar un plan por muerte accidental y desmembramiento para viajes múltiples. Esta es una opción elegida en algunos planes de muerte accidental y su compra sería un costo adicional. > ¿Es un plan anual una buena opción para los viajeros frecuentes? Si viaja varias veces en el período de un año, es posible que esté buscando protección de viaje que se adapte a sus necesidades específicas. Lo más probable es que esas necesidades se centren en la atención médica de emergencia durante un viaje al extranjero. Un plan de seguro de viaje anual o anual es una solución perfecta. Cuando viaje al extranjero, es posible que su plan médico primario no lo cubra. Un plan de seguro de viaje anual puede ayudar a compensar los costos de las necesidades de atención médica cubiertas. Como siempre, comuníquese con nuestros expertos en atención al cliente si tiene alguna pregunta específica sobre seguros de viaje. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Student Plans Travel Medical If you’re traveling abroad to study or work, prepare for safe travel and ensure you meet the requirements of your school, visa program, and host country with Seven Corners Travel Medical Insurance. Seven Corners plans provide medical coverage for illnesses or injuries that occur while you’re traveling, as well as limited protection for pre-existing conditions. You’ll also receive access to a network of medical providers and 24-hour multilingual travel assistance. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Lloyd’s, London Student Secure® International Insurance International student health insurance for study abroad students. The StudentSecure series offers four levels of coverage–Elite , Select , Budget , and Smart –so you can choose the plan that best fits your needs and budget. A Student Secure plan can reduce your personal expenses if you face an unexpected injury or illness throughout the course of your international studies. All four plans include multilingual travel assistance services and access to our Student Zone, where you can download your visa letter, renew your coverage as needed, and manage your policy online. Highlights Meets J-1 visa requirements Medical benefits such as Hospital Room & Board, Intensive Care Unit, and Local Ambulance included Coverage for leisure sports and activities included, as well as some outpatient prescription drug coverage and mental health coverage Monthly payment option (or savings for paying the full premium in advance) Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 GeoBlue Navigator Student Complete, affordable worldwide coverage designed for students (including Optional Practical Training (OPT) status), teachers and faculty. Annual plan for individuals and their families who intend to be outside their home country for at least 3 months each year. Covers dependents and families (only the subscriber must be a teacher, student or faculty). Flexible options for plan length. Plan options that meet F1 and J1 Visa requirements. Unlimited annual and lifetime medical maximum. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Patriot Exchange Program Medical insurance for students studying abroad or participants of cultural exchange programs Deductible options from $0 to $500 Maximum limit of $5,000,000 Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Student Health Advantage Medical insurance for international students or scholars participating in a sponsored study abroad program Coinsurance in PPO network or student health center within the U.S.: Company pays 100% Deductible of $100 Maximum limit for student: $500,000 Provides coverage for mental health, organized sports and pre-existing conditions Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Student Health Advantage Platinum Medical insurance for international students or scholars participating in a sponsored study abroad program Coinsurance in PPO network or student health center within the U.S.: Company pays 100% Maximum limit for student: $1,000,000 Provides coverage for mental health, organized sports and pre-existing conditions Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Collegiate Care Elite Collegiate Care Elite Highlights United Healthcare PPO Network Sports Activities Coverage Motor Vehicle Accident coverage Unlimited medical maximum Maternity coverage COVID-19 EXPENSES are covered and treated as any other sickness Collegiate Care Elite Student Plans for students, scholars, and educators while outside their home country in the USA (Must be enrolled in or work for the school) Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Collegiate Care Essential Budget Travel Medical and Related Benefits for persons traveling outside their home country but not to the USA. Up to $1,000,000 medical and choice of Deductible. Please note this policy IS NOT valid for travel from, in, or to the United States of America. You must live in the country of Origin. Minimum 5 day purchase. COVID-19 EXPENSES are covered and treated as any other sickness. Travel Medical Plans for people traveling outside their home country and not to the USA. Not available to US Citizens or Greencard Holders Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Deportes de aventura Excursiones

When people think of travel insurance, they are generally looking for a plan to protect their vacation. Vacation Plans may also be referred to as Packaged Plans, Travel Insurance, Trip Cancellation Insurance, or Trip Insurance. Visit our resources page to help guide you on Travel insurance terminology. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Cuando la gente piensa en un seguro de viaje, generalmente busca un plan para proteger sus vacaciones. Los planes de vacaciones también pueden denominarse planes empaquetados, seguro de viaje, seguro de cancelación de viaje o seguro de viaje. Estos planes representan más del 94% de las ventas de seguros de viaje porque brindan cobertura para exactamente lo que buscan los viajeros, que generalmente se debe a varias razones diferentes, como demoras, cancelaciones, pérdidas, etc., que se describen con mayor detalle a continuación. Exhaustivo Planes Planes con cancelación de viaje y opciones médicas de viaje, estos brindan la mayor cobertura y, como resultado, generalmente son los más costosos. Planes médicos limitados o de viaje Planes que brindarán cobertura en caso de enfermedad o lesión mientras viaja. La mayoría de los planes de seguro de salud regulares brindan cobertura parcial o nula mientras viaja fuera de su país de origen. Los planes de seguro médico de viaje brindan cobertura más allá de su proveedor de salud habitual. Es posible que estos planes no siempre incluyan cobertura por cancelación de viaje. Especialidad Planes Planes con cobertura especializada como muerte accidental o desmembramiento (que puede incluir la evacuación, pero a menudo excluyen la cobertura por muerte o desmembramiento como resultado de un acto de guerra). Algunos de estos planes también pueden tener cancelación de viaje y / o cobertura médica. Si bien hay muchos planes especializados para elegir para sus necesidades únicas, la mayoría de las veces, estos planes son demasiado limitados para la mayoría de los viajeros que toman vacaciones. Cualquiera de los planes anteriores también puede calificar para la visa Schengen al ingresar a uno o más países europeos si se cumplen los siguientes requisitos: La cobertura de emergencia médica debe ser de al menos 30 000 EUR (aproximadamente 50 000 USD) y es válida para todos los Estados Schengen. Se deben cubrir todos los gastos de tratamiento médico, hospitalización, evacuación médica y repatriación médica de regreso a los EE. UU. Debe precisarse el hecho de que la evacuación médica, la repatriación médica y la repatriación de restos mortales están cubiertas. Solo se acepta la confirmación del seguro emitida por su proveedor de atención médica. No se aceptan cartas de confirmación de su empleador. Planes integrales Los planes integrales son los más comunes. Según nuestra experiencia, más del 90% de los viajeros eligen esta opción. Estos planes combinan todos los beneficios de los planes Travel Medical con la opción de cancelación de viaje. La opción de cancelación de viaje le brinda la posibilidad de cancelar su viaje antes de que comience y recibir el reembolso del 100% de los gastos de viaje prepagos que de otro modo no serían reembolsables. Hay muchas razones cubiertas para la cancelación de un viaje (consulte su certificado de seguro para ver todas las razones cubiertas), sin embargo, la más común es una enfermedad repentina o una lesión que le impida realizar un viaje. Esto también se aplica a menudo a los miembros de su familia y compañeros de viaje. Puede cancelar su viaje si su compañero de viaje o un familiar se enferma o se lesiona. Los miembros de la familia que califican varían entre las compañías, por lo tanto, consulte su certificado de seguro para identificar qué miembros de la familia están incluidos para propósitos de cobertura de cancelación de viaje. Si su condición médica fue tratada o modificada de alguna manera durante el período retrospectivo, aún puede ser elegible para la cobertura de cancelación de viaje en algunas circunstancias, es decir, al comprar un plan que incluirá una Exención por condición médica preexistente. Para evitar la exposición, tendrá que comprar un seguro de viaje dentro de los 10-21 días (dependiendo de la compañía de seguros) después de haber pagado el depósito inicial para su viaje. Hay planes que le otorgan una exención por condición médica preexistente incluso cuando compra un seguro de viaje antes del pago final o, a más tardar, 1 día después del pago final de su viaje. Nuestro software le ayudará a solucionar este problema fácilmente. Tenga en cuenta también que un requisito adicional para la Exención por condición médica preexistente es que el monto asegurado no debe ser inferior al 100% de sus gastos de viaje prepagos no reembolsables. En general, las opciones del Plan Integral brindan la mayor protección antes y durante su viaje, cubriendo cancelaciones e interrupciones del viaje, demoras en el viaje, conexiones perdidas, emergencias médicas, evacuaciones médicas y no médicas, pérdida o demora de equipaje, asistencia las 24 horas y más . La opción de cancelación de viaje es a menudo la razón principal por la que las personas compran un seguro; sin embargo, representa el mayor riesgo para las compañías de seguros y, por lo tanto, resulta en el mayor costo de seguro para usted. Para limitar la exposición al riesgo del proveedor de seguros en caso de cancelación de un viaje por razones médicas, las compañías de seguros introdujeron una cláusula de condición médica preexistente. Una condición médica preexistente se clasifica como un problema médico por el que ha recibido tratamiento en los últimos "x" días, antes de comprar un seguro de viaje. Diferentes compañías de seguros han establecido diferentes días "x"; esto se considera el período retroactivo. Planes limitados o viajes médicos Estos planes le brindan cobertura médica mientras viaja principalmente, pero no exclusivamente, fuera de su país de origen. Lo más probable es que su seguro médico regular proporcione una cobertura muy limitada o nula mientras se encuentra en el extranjero y los planes médicos de viaje están diseñados para cubrir ese vacío en el transcurso de sus viajes. El principal beneficio de comprar este tipo de plan en comparación con la compra de Planes Integrales que incluyen cobertura para Cancelación de Viaje es el costo. Dependiendo de sus opciones reales y límites de cobertura, un plan médico de viaje puede costar una fracción del costo del plan integral. Algunos planes médicos de viaje también pueden proporcionar cobertura completa para interrupciones del viaje, retrasos en el viaje, equipaje, emergencias médicas y evacuaciones, mientras que otros pueden limitar la cobertura solo a emergencias médicas y evacuaciones. Algunos planes de Travel Medical también pueden tener una cobertura de seguro de vida limitada. Los planes médicos de viaje tienen términos iguales o similares que preforman condiciones médicas existentes que los planes integrales. La mayoría de las veces, puede evitar la exposición comprando un seguro de viaje dentro de los 10 a 21 días (según el proveedor de seguros) después de haber pagado el depósito inicial para su viaje. Nuestro software le ayudará a solucionar este problema fácilmente. Algunos planes Travel Medical pueden proporcionar protección renovable, así como cobertura para viajes de larga duración al extranjero. Tenga en cuenta que es posible que no esté cubierto por su seguro médico cuando viaje al extranjero. Muchas empresas privadas, así como los programas de Medicare y Medicaid, no cubren el tratamiento de emergencia fuera del país. Sin cobertura de seguro de viaje, en caso de que ocurra una emergencia, usted y su familia podrían incurrir en facturas médicas que deberá pagar de su propio bolsillo. Estos planes médicos de viaje generalmente se seleccionan en 3 casos : 1 2 3 Queda poco tiempo antes de emprender el viaje, las posibilidades de cancelación del viaje son escasas y está dispuesto a asumir ese riesgo. Goza de buena salud y tiene una alta tolerancia al riesgo. El beneficio de un costo de seguro más bajo supera el riesgo de perder dinero en su viaje. Un caso raro en el que el viaje es tan importante que la cancelación del viaje no es una opción. Solo una lesión grave le impedirá realizar el viaje, pero no una enfermedad que de otro modo le impida realizar el viaje. Debe poseer cierta tolerancia al riesgo. Planes de especialidad Si no le preocupa la cancelación del viaje o los gastos médicos, o no desea asumir los gastos de un plan integral, pero desea mitigar algún riesgo en particular, existen planes especializados disponibles que pueden ser los más adecuados para usted. Estos pueden ser Solo vuelo Muerte accidental o desmembramiento Solo evacuación Planes de alquiler de coches Los planes de evacuación se centran en las evacuaciones de emergencia y, a menudo, se venden anualmente como membresía. Con un plan de evacuación, la empresa organiza el transporte y usted no perderá sus ahorros por una costosa evacuación de emergencia. Los planes de accidentes brindan una cobertura estilo seguro de vida para los viajeros. Paga beneficios si sufre una lesión grave que resulte en desmembramiento o pérdida de la vida. Los beneficios pagados por estos planes de accidentes se suman a los beneficios pagados por planes de seguro de vida separados.

Travel with Insurance can be overwhleming. Visit our FAQ section to help guide you on common questions and information you need to know. PREGUNTAS FRECUENTES Preguntas frecuentes What if I contract Coronavirus while I’m on my trip? If you purchase one of the recommended plans, your medical expenses for Coronavirus can be covered by the COVID-19 Treatment benefit and your medical expenses for treatment for Coronavirus contracted on your trip can be covered. Coverage for COVID-19: Benefits may include coverage for Travel Delay if you are delayed for the required number of hours for an applicable covered reason. Covered reasons vary by plan, so review your plan document. What kind of travel insurance covers for Covid? Both travel medical insurance and trip insurance offer specific Covid related coverage and benefits. This includes coverage for the highly transmissible Omicron variant. If any strain of Covid is contracted after the policy effective date, then travel medical insurance can provide coverage. Similarly, if someone has to cancel their trip due to contracting Covid, trip insurance can cover some of the non-refundable costs. For the most up-to-date information on the Omicron variant or any other variant, please contact the WHO or the CDC. Does travel insurance cover the Covid test? There are plans that offer Covid coverage that will cover the cost of testing if the insured is having symptoms and the attending physician orders it for diagnostic grounds. Preventative Covid tests do not qualify for coverage. Will my visitor insurance cover for Covid vaccination? Travel insurance does not cover the Covid vaccination, which means you'll need to pay for the Covid vaccine. If you're traveling to the United States, for example, make sure you do research on exactly which vaccines are acceptable. However, if the virus was contracted during the policy's coverage period, there are travel medical and trip cancellation insurance plans that can cover Covid treatment and services. With the introduction of new Covid variants, it is recommended that you obtain travel medical insurance coverage that includes Covid benefits so you can relax while traveling overseas. Does travel insurance cover quarantine? Is quarantine covered by Covid travel insurance? Covid coverage and quarantine benefits are included in several travel medical and trip insurance plans. To use the quarantine benefits on their travel medical insurance plan, the policyholder must meet the following requirements: Covid-19 and quarantine indemnity compensation must be covered by your travel medical insurance plan. After the policy's effective date, the attending physician must diagnose Covid-19. In order to be covered, services and treatments must be ordered by a medical doctor. This can entail things like diagnostics, treatment, medicine, and being placed in quarantine. If I cancel my trip because of Covid, will it be covered? If you have travel medical insurance and need to cancel your trip due to Covid, you may cancel and obtain a refund before the effective date, depending on the plan you selected (date of departure). For any limitations or exclusions, please verify the cancellation terms and conditions for your specific plan. A "free look back period" is a period during which a policyholder can cancel their trip insurance coverage and receive a full refund if they do so within a certain duration. The length of the free look back period varies by plan. If a policyholder needs to cancel a trip due to contracting Covid after the free look back time has elapsed, they can use the trip cancellation benefit on the policy. If an insured person has to cancel their trip due to Covid illness, they can claim the policy's trip cancellation benefit once the free review period has expired. This benefit can cover up to 100% of non-refundable prepaid travel expenses. If the holder of a travel insurance policy needs to cancel for any other reason that is not covered, he/she should consider purchasing a plan that offers Cancel for Any Reason (CFAR) coverage. CFAR is an optional benefit that policyholders can add to their standard coverage. With this benefit, you can cancel for any reason and the insurance company can reimburse the policyholder for up to 75% of the prepaid non-refundable travel expenses. Can I Buy Travel Insurance if There are Travel Advisories in Place? With the vaccine rollout, many countries are allowing travel again. If you decide to travel, be sure to take necessary precautions to protect yourself and your loved ones from the virus. Some countries are now requiring all visitors to purchase travel insurance. Please refer to your local government’s regulations and advisories. If I am Traveling Overseas and I Get Covid, Can My Travel Insurance Help Me Be Evacuated? Some travel medical and trip insurance plans do provide coverage for emergency medical evacuation. The coverage and limitations on the emergency medical evacuation will depend on the plan purchased. The evacuation will either be to the nearest hospital or back to the insured’s home country for additional treatment. Be sure to read the policy details carefully before purchasing. If I am Overseas and Get Covid, Will My Domestic Health Insurance Cover It? Many people may not know that their domestic healthcare most likely will not provide coverage outside of their home country. This is why it’s important to have a travel insurance plan while traveling abroad. Do I need Travel Insurance? Travel is unpredictable, even at the best of times. Travel insurance helps to protect you against the unexpected. If your trip is canceled unexpectedly or ends early, would you be able to easily accept the financial loss? Or, if someone in your party required evacuation due to a medical issue, could you cover that expense? Travel insurance can help with these concerns and many more. Why is comparing travel insurance important? Travel insurance is unique and varies depending on the details of your trip. The best policy covers only what you need at a price that fits your budget. You can compare dozens of providers on our site using our comparison engine, filtering for only the specific coverage options you want. If you need help, our licensed travel insurance agents can assist you in comparing plans and reading the fine print for you to help explain the exclusions. What coverage do I need? That depends entirely on you. Are there pre-paid, non-refundable trip costs you are unwilling to lose? What unpredictable expenses would you not be able to cover? Reasons that might cause an unexpected cancellation? Different plans and options are available for various concerns and coverages that you may need. Does travel insurance cover covid 19 illness? There are some USA Covid travel insurance plans available for travel that cover covid 19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country. What you need to know about travel exclusions If pandemics or epidemics aren’t always excluded why are people getting surprised by their policy’s coverage? For the most part, people are not cancelling their trips because there are illnesses in the world. There have always been serious illnesses in different places and most people have opted not to go to those places. Instead, you’re likely being forced to change your travel plans due to any one or a combination of these common Travel Insurance Exclusions: A government regulation, mandate or prohibition Failure of any tour operator, common carrier, person or agency to provide the bargained-for travel arrangements. If a travel supplier changes the itinerary, but still gives you a similar trip or a future travel credit or waives the change fees, there’s no payable claim. Changes in plans by the Insured, a Family Member, or Traveling Companion, for any not-covered reason; unless the optional Cancel for Any Reason coverage was purchased. Fear, worry, concern about something that might happen on the trip. Read this if your doctor’s suggesting you don’t take your trip: Don’t Cancel for Your Own Medical Reasons If You’re Not Ill or Injured What's the difference between travel insurance and travel medical insurance? Travel insurance is a great way to protect your financial investment for your trip. Travel benefits can provide coverage for prepaid, non-refundable trip costs and some plans also offer limited medical coverage benefits. Travel medical insurance is primarily used for short term medical coverage when you are traveling outside of your home country. Your domestic insurance plan often does not provide coverage for you in foreign countries. If you were to fall ill or get in an accident, you could have to pay out-of-pocket for those expenses. Travel Insurance may provide coverage* for items such as: Prepaid, non-refundable expenses Trip cancellation** Travel delay Trip interruption Lost or stolen luggage Emergency medical evacuation* Accident and sickness medical expenses* How Travel, Trip, Cruise Cancellation Insurance Works" Trip Cancellation Insurance coverage: You, a close family member or a traveling companion gets hurt or sick before you leave (your medical records must substantiate what happened to you). Travel Insurance reimburses you the money you lose. This may include pre-existing medical conditions. Other events that could cause you to cancel your trip are: you’re required to work or natural disasters. Trip Interruption Insurance coverage: You, a close family member or a traveling companion gets hurt or sick during your trip and you have to return home early. Before the trip it’s trip cancellation. During the trip it’s trip interruption. Our plans provide coverage for the unused value of your trip and the cost of one-way airfare up to the plan’s limit. Emergency Medical & Evacuation Insurance coverage: You get ill or injured (ie – hit by a cement truck) on your trip. Travel Insurance can reimburse you your medical expenses including medical transportation home. Our plans won’t leave you in a foreign country. See why Medicare doesn’t cover you outside the USA. A Trip Delay forces you to have extra meal and accommodation expenses when you are delayed up to 6 or 12 hours (varies by plan) getting to your destination or returning home as scheduled. Your luggage is delayed, lost, stolen or damaged. If your checked luggage doesn’t arrive within 12 or 24 hours (varies by plan), you may be reimbursed for items you need to buy. Or if it’s damaged or never arrives, most policies provide coverage. You are able to get a “Cancel For Any Reason” plan to cover any possible reason to cancel your trip including: you change your mind, you’re afraid to travel, you just don’t want to go. Is the coverage offered by my credit card sufficient? Enter your answer here Do you need trip cancellation? Trip insurance (also called Trip Cancellation or Comprehensive Travel Insurance) covers cancellations, interruptions, baggage, delays, medical, evacuation, and more. Travel Insurance with Trip Cancellation coverage will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.) that you have insured, should you cancel your trip before departure for an unforeseen covered reason. Check out these plans below! Trip Cancellation | Travel with Insurance(https://www.travelwithinsurance.com/trip-cancellation) Are you looking for travel insurance for sports / adventure travel? We've got the perfect plans! Check these out our recommended travel insurance plans below https://www.travelwithinsurance.com/adventure-travel Are you traveling long term? Expatriates, Marine Crew, Missionary? We have narrowed down your search to these recommended plans for you to select from. https://www.travelwithinsurance.com/long-term-travel Are you a student looking for travel insurance? As an international student, peace of mind is a priority when you study abroad. Your educational adventure or cultural exchange program should be an enjoyable experience. These plans are designed to specifically meet the needs of international students, scholars, and people involved in long-term educational and cultural exchange programs. Plans that offer a robust package of benefits while outside your home country. https://www.travelwithinsurance.com/student-travel Do you need help with a claim? Please send us your full name, contact details and most importantly - your policy number so that our team can assist you promptly! Are you traveling in a group? Looking for the best rates? We've got you covered! Group travel insurance policies offer comprehensive benefits to cover travelers' main concerns, including Trip Cancellation and Trip Interruption, Emergency Medical, Medical Evacuation, and Travel Delay coverage. Check out our recommended plans below https://www.travelwithinsurance.com/group-travel Are you going on a cruise? Need the best coverage? Now that sounds like an adventure! Let's get you covered with the best travel insurance plans available. . There are often cancellation penalties tied to travel purchases, especially cruise trips, and you could get a portion of your trip costs back or none at all. Those penalties tend to get more severe as the departure date gets closer. This is where Trip Cancellation coverage can help you. Check out our recommended cruise insurance plans below https://www.travelwithinsurance.com/cruise-ship-travel Do you need medical evacuation and repatriation plans? This type of plan covers the expenses and associated services for your emergency medical evacuation or repatriation back to your home country. https://www.travelwithinsurance.com/medical-travel Are you still unsure which plan is best for you? That's ok! We're here to help! If you're anything like us and enjoy speaking to a human, please leave your name and best way to contact you and one of our friendly TWI agents will reach out to you. We will help you go through the various options and best insurance plans for your trip. Or alternatively, send us an email with your trip details and we will assist you personally in getting the perfect plan for your trip. info@travelwithinsurance.com Traveling to Costa Rica? Such a beautiful place! We've got you covered! Check out these travel insurance plans specifically designed for traveling to Costa Rica. https://www.travelwithinsurance.com/costa-rica-travel A Annual Multi-Trip Plan Provides coverage for all trips made within a year. B Baggage and Personal Effects Coverage Covers a policy holder’s baggage, passport, credit cards, and personal effects. Benefits The amount a beneficiary receives from the insurance provider after a claim has been filed. Benefit Period The period of time during which the insured receives compensation from their insurance company for medical purposes, and can vary from policy to policy. For example, one policy may state that your benefit period begins the day you are hospitalized for a serious illness and ends 30 days after you stop receiving treatment. C Co-Insurance or Co-Pay Refers to the amount paid by the policy holder after payment of the deductible is completed. Common Carrier Any land, sea, or air conveyance operating under a valid license for the transportation of passengers for hire. Continuous Coverage Health insurance coverage that is not interrupted by a lapse of a predetermined number of days. Coverage Area The geographical region where an insurance policy is in effect. Covered Expenses Expenses that the insurance company agrees to cover based on the insurance policy purchased. A summary of “covered expenses” will be listed in the Schedule of Benefits. Covered Reasons The specific situations and events that are covered by a specific coverage or policy. D Deductible The amount a policy holder is required to pay before the insurance provider starts making payment. It can be a yearly amount, an amount based on the duration of the policy, or amount based on incident. Death Benefit (Survivor Benefit) The total compensation that is paid to the beneficiary of the life insurance plan when the insured passes away. Dependent Usually a spouse and/or children who are legally dependent on the insured. Depending on the insurance plan, dependents may qualify for insurance coverage on the insured’s policy. E Emergency Benefits Provides coverage for expenses incurred when a person is transported to a place where they receive immediate medical attention. Evacuation: Emergency Evacuation Categories Emergency medical evacuation (to the nearest qualified medical facility that can handle the medical condition) Medical due to outbreaks, epidemics The threat of natural disaster Political evacuation due to civil unrest (treated separately) Includes expenses for reasonable transportation (either public transport or private as reasonable based on the condition) resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred. Sometimes includes remote transportation in the event of a diagnosis of a critical medical condition that is not necessarily immediately life-threatening, but severe enough that it could result in death or a permanent disability if not treated right away. Any medical treatment (after any deductibles) is usually paid from your medical insurance benefit. May also include an Emergency Reunion Benefit, or Return of Minor Children. Emergency Reunion Coverage Covers the traveling and accommodation expenses incurred when a friend or family member of an ill or injured policy holder travels to visit them. Exclusions Expenses the insurance provider will not cover, and they usually include expenses that result from participation in high-risk sports or recreational activities. Effective Date The date when the insurance coverage becomes effective. Elimination Period (Waiting Period) the period of time between the insured’s accident and the arrival of benefit payments. For example, if you broke your leg in January and received your first benefit payment in February, the elimination period would be one month. Epidemic An outbreak of a contagious disease that spreads rapidly and widely and that is identified as an epidemic by The Centers for Disease Control and Prevention (CDC). Exclusions Cases under which an insurance provider does not provide coverage to the insured. For example, an insurance company may include an exclusion for car accidents if the insured is driving under the influence. Expatriate Insurance Expat insurance policies designed to cover financial losses that expatriates face while living and working in a country other than their own. F Family Plans Plans that cover every member of a family who is traveling, and they usually come with discounted rates. G Grace Period A period of time after an insurance premium payment is due during which the insured can fully enjoy the insurance coverage without incurring an additional fee. Grace periods can range from 24 hours to 30 days, and after their expiration, the insured will be required to pay an additional fee. H Hazardous Sports and Activities Coverage Refers to coverage of medical expenses incurred to treat a policy holder who becomes injured because of participation in hazardous sports and activities, such as: sky diving, scuba diving, or rock climbing HIPAA The Health Insurance Portability and Accountability Act. This is also known as the Kassebaum-Kennedy Act enacted by the US Congress in 1996. It includes basic requirements for health insurance privacy and portability of health insurance, thus avoiding the exclusion of coverage for pre-existing medical conditions. Hospital Indemnity Hospital indemnity will provide $$ for each night you spend in the hospital as an inpatient when receiving treatment for a covered illness or injury. Hospital indemnity benefits are typically not subject to a deductible or coinsurance and are in addition to the payments for other covered expenses. I Insured The individual who is covered by the travel insurance policy. Individual Plans Plans that provide coverage for only one person. Inflation Protection A feature of certain insurance policies whereby the value of benefits increases by a certain, pre-defined percentage during specific time periods to assure that insurance coverage grows at the same pace as inflation. Insurance Provider Network The grouping of hospitals, doctors, and other health care providers that the insured will receive the maximum insurance coverage from working with. Health Maintenance Organization (HMO) – an insurance provider plan that typically limits customers to receiving insurance coverage only when working with one specific network provider. Preferred Provider Organization (PPO, or Participating Provider Organization) – an organization of hospitals, doctors, and other health care providers who have agreed to provide health care at reduced rates to clients of a particular insurance provider. Healthcare providers who fall into your provider’s PPO are often referred to as “In-Network” providers, while healthcare providers outside of your insurance provider’s PPO are referred to as “Out of Network” providers, and will typically cost you much more than in-network providers. In-Network, Out-of-Network Medical facilities and practitioners that have contracted with the insurance companies to provide discounted rates, direct billing, and other services are considered In-Network (See more about Doctor Networks). Those facilities that have not contracted are considered “Out-of-Network.” The insured will typically save money by using “In-Network” providers and facilities. In-patient A patient admitted for at least a 24-hour residence (or at least overnight) in a medical facility where he is being treated. Insurance Broker An agency or individual who works as an intermediary between a person wanting insurance and one or more insurance companies to guide them in the purchase of insurance. (See Why Work with an International InsuranceBroker) IPMI International Private Medical Insurance or Global Health insurance. J K L Lost Luggage Secondary coverage that is paid when a policy holder’s checked luggage is permanently lost. Aka Loss/Theft, if there is damage to, or loss of, or theft of your checked or stored baggage or personal items (Defined as suitcases, clothing, toiletries, books, photo equipment, mobile phones, and laptops) by a common carrier, or while stored with your hotel. It will also usually include coverage for the replacement costs of travel documents, and sometimes bag tracking. May, or may not, include delayed baggage. Lifetime Maximum The maximum amount an insurance company will pay for all benefits received. The usual limits are $1,000,000; $3,000,000 or $5,000,000 but may be greater or, in some cases, unlimited. Loss Injury or damage sustained by you in consequence of the happening of one or more of the occurrences against which the company has undertaken to indemnify you. M Maximum Policy Coverage Refers to the maximum compensation that will be paid for expenses covered by a policy. Medical Evacuation (MedEvac, medivac) Timely and efficient evacuation and in-route care of ill or injured persons, usually by air transportation, to a place where they can receive adequate medical care. Medically Necessary Treatment that’s appropriate for your illness or injury, consistent with your symptoms, and that can safely be provided to you. It meets the standards of good medical practice and isn’t for your convenience or the provider’s convenience. N Non-Refundable Travel Expenses These are expenses paid for a trip that cannot be reimbursed, and they include accommodation deposits and airline tickets. Natural disaster A large-scale extreme weather or environmental event that damages property, disrupts transportation, or endangers people. Examples include earthquakes, fires, floods, hurricanes, or volcanic eruptions. O Online Fulfillment Electronic communication of Medical ID card, certificate or indication of coverage, information on the policy purchased, how to file a claim, and the insurance company’s contact information. Outpatient A patient who receives medical treatment at a clinic or hospital, but is not admitted for an overnight stay. Out-of-Pocket Expense The total amount that you will pay towards your medical expenses. P Pre-Existing Conditions Refers to medical conditions of policy holders that existed before the insurance policies were purchased: Usually, insurance providers will only provide minimal or no coverage for expenses related to such conditions. Premium The amount paid to purchase a travel insurance plan. The payment can be made in advance, once every month or year, or before every trip. Primary Coverage Form of coverage provides insurance for the policy holder even though you have other coverage. Policy Year The amount of time from the effective date of the policy that comprises one full year. For example, if the effective date begins April 14, 2009, the policy year will end at midnight, April 13, 2010. Political Evacuation Often lumped together with non-medical or security evacuation, political evacuation is for situations where one is either trapped, or expelled, or at risk due to civil uprisings, riots, military coups, political unrest, or being identified as a “persona non grata” in the country you are visiting. Security evacuations (necessary for impending natural disasters, etc.) are different from political evacuations. Political evacuations are for situations of political instability, civil unrest, or military action. Coverage is sometimes dependent on the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person’s home country, ordering the evacuation of all non-emergency government personnel from the host country. Pre-certification The need to check with the insurance company before receiving medical care, generally for major medical procedures, to confirm if the medical care received will be covered by the insurance company. Premium Payment for insurance, the amount paid by the insured to the insurance company for health insurance coverage. Preventive Care Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations, and immunizations. Q Quarantine Mandatory isolation or restrictions on where you can go, intended to stop a contagious disease from spreading. R Rental Car Insurance Covers theft or damage of a car rented by a policy holder during their trip. It also covers the damage and injury sustained by other people if the policy holder causes an accident. Repatriation Benefit Refers to the coverage of expenses for preparing and sending the deceased person’s body to their own country Rider (Waiver) A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions. S Secondary Coverage Only offers insurance for expenses not included in the primary coverage. Single Trip Plan A policy that provides coverage for only one trip Schedule of Benefits (SOB) A list of the benefits, amount of coverage provided in an insurance policy, usually one or two pages in length. Scheduled Departure Date The date on which you are originally scheduled to leave on the trip. Scheduled Return Date The date on which you are originally scheduled to return to the point of origin or to a different final destination. Sickness An illness or disease which is diagnosed or treated by a physician after the effective date of insurance and while you are covered under the policy. Subrogation Steps the travel insurance company takes, after paying a claim, to collect from other available sources such as other insurance plans or travel suppliers. T Travel Assistance Services Refers to assistance available to a policy holder when they experiences difficulty in a foreign location. It includes: 24-hour emergency phone services, legal assistance, visa and passport assistance, and others. Travel Supplier Bankruptcy or Default Refers to coverage of expenses incurred when a travel supplier goes bankrupt or defaults from providing travel services. Trip Interruption Insurance Provides coverage for policy holders who interrupt or cancel their trips because of acceptable reasons such as injury, illness, death of a relative, flight problem, and others. Terrorism Terrorismis an act or threat of action by a person or group of people, whether acting alone or in connection with an organisation or government, committed for political, religious, ideological or similar purposes intended to influence any government or to frighten the public or any section of it. An 'action' means: violence, damage to property, putting life in danger, creating a public health risk, or disrupting electronic systems or transport services. Trip Cancellation Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled for illness, death, or other specific unforeseen circumstances. The “trip cancellation” benefit covers you in the event you have to cancel prior to your trip due to a covered reason listed in your travel insurance policy prior to your departure date. Trip Interruption Trip interruption plans typically reimburse you for pre-paid non-refundable travel expenses if an unexpected crisis (e.g., death of a family member, sickness, airline strike, travel supplier bankruptcy, among other crises) occurs during your trip causing it to be canceled, interrupted or delayed. U Usual, Customary, and Reasonable Charges Average amounts charged by travel insurance providers for certain services, treatments, or procedures in the same locality. Underwriter (1) The company that receives the insurance premium and accepts the responsibility to cover medical costs; (2) The employee in an insurance company who decides whether or not the insurance company should assume the risk of offering the insurance to an individual or group; (3) An insurance agent. Usual, Reasonable & Customary (UCR) The amount an insurance company will pay for a covered medical expense based on the customary charges of all medical providers in a given geographic area for a similar service. V Valuables Jewellery, watches, glasses (including sun glasses), contact lenses, keys, hearing aids, any electric, electrical or electronic items or equipment including their accessories (e.g. mobile phones, laptops, games consoles, portable audio equipment, portable visual equipment, memory sticks, chargers, dongles), any kind of photographic or recording equipment and their accessories (including CDs, DVDs, tapes etc), items made of or containing precious metals or (semi) precious stones, furs, animal skins, antiques, binoculars, telescopes, musical instruments. W Waiting Period A period of time the insured must wait before some or all of the coverages offered in an insurance plan begin and the insured can receive benefits. Waiver (Rider) A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions. Wellness Benefit (Preventive Care, Well-care) Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations and immunizations. X Y Z

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