| Product Description | 
                                                                                Emergency Medical Coverage
                                                                             | 
                                                                                Trip Cancellation Coverage
                                                                             | 
                                                                                Comprehensive Coverage
                                                                             | 
|---|---|---|---|
| 
                                                                            Benefits for expenses related to unforeseen medical emergencies while travelling, along with invaluable 24/7 emergency travel assistance support.
                                                                         | 
                                                                            Protection against financial losses if a prepaid trip is cancelled prior to departure, or interrupted or delayed while travelling due to a covered reason.
                                                                         | 
                                                                            Complete package of benefits, combining emergency medical benefits, trip cancellation, trip interruption, baggage insurance and more in one plan. Our best value!
                                                                         | |
|                                                                     
                                                                    Policy
                                                                 | |||
| Emergency Medical/Dental 
                                                                                    Emergency Medical/Dental Coverage reimburses you for the cost of treatment associated with a medical or dental emergency incurred while travelling. Coverage for Family to Bedside, Return of Dependents, and Accommodations and Meals are also included in this benefit. Please see your policy terms and conditions for full details.
                                                                                 | $5,000,000 | - | $5,000,000 | 
| Emergency Transportation 
                                                                                    Emergency Medical Transportation arranges to medically transport a patient to an appropriate medical facility or to return home when medically necessary. Please see your policy terms and conditions for full details.
                                                                                 | Included | - | Included | 
| Trip Cancellation 
                                                                                    Trip Cancellation provides reimbursement for non-refundable, prepaid trip payments and deposits if a trip is cancelled for illness, death or other unforeseen covered reasons. Please see your policy terms and conditions for full details.
                                                                                 | - | Up to $10,000 | Up to $10,000 | 
| Trip Interruption 
                                                                                    Trip Interruption provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted or delayed due to unexpected illness, death or other unforeseen covered reasons. Please see your policy terms and conditions for full details.
                                                                                 | - | Up to $10,000 | Up to $10,000 | 
| Travel Delay 
                                                                                    Trip Delay provides reimbursement for meals and accommodations when a trip is unexpectedly delayed. Please see your policy terms and conditions for full details.
                                                                                 | - | $150/Day - Max. 2 Days | $300/Day - Max. 2 Days | 
| Baggage Coverage 
                                                                                    Baggage Coverage provides reimbursement for lost, stolen or damaged baggage. Please see your policy terms and conditions for full details.
                                                                                 | - | - | $1,000 | 
| Baggage Delay 
                                                                                    Baggage Delay provides reimbursement for clothing, toiletries and other essential items if luggage is delayed for at least 12 hours. Please see your policy terms and conditions for full details.
                                                                                 | - | - | $200 | 
| Accommodations & Meals 
                                                                                    Covers the cost of hotels and meals if you and/or a travelling companion are delayed beyond your scheduled return date or are relocated to receive appropriate medical attention.
                                                                                 | $150/Day - Max. 10 Days | - | $150/Day - Max. 10 Days | 
| Repatriation of Remains 
                                                                                    Repatriation of Remains provides coverage for the repatriation of mortal remains to the deceased's city of residence should death occur during your trip. Please see your policy terms and conditions for full details.
                                                                                 | $5,000 | - | $5,000 | 
| Vehicle Return 
                                                                                    Vehicle Return covers expenses to return your vehicle to your residence or to the rental agency if, as a result of a covered medical emergency, you are unable to return your vehicle or rented vehicle to its point of origin. Please see your policy terms and conditions for full details.
                                                                                 | $2,000 | - | $2,000 | 
| Private Duty Nursing | $5,000 | - | $5,000 | 
| 24-Hour Assistance 
                                                                                    24-Hour Emergency Assistance offers assistance with pre-trip information, document and ticket replacement, legal assistance, emergency cash transfers, medical referrals, and emergency message communication while travelling.
                                                                                 | Included | Included | Included | 
| Maximum Age 
                                                                                    75
                                                                                 | 64 | No age limit | 84 | 
| Maximum Trip Length (in days) | 212 | 212 | 0-63:212, 64-84:60 | 
Emergency Medical Coverage
| Emergency Medical/Dental | $5,000,000 | 
| Emergency Transportation | Included | 
| Trip Cancellation | - | 
| Trip Interruption | - | 
| Travel Delay | - | 
| Baggage Coverage | - | 
| Baggage Delay | - | 
| Accommodations & Meals | $150/Day - Max. 10 Days | 
| Repatriation of Remains | $5,000 | 
| Vehicle Return | $2,000 | 
| Private Duty Nursing | $5,000 | 
| 24-Hour Assistance | Included | 
| Maximum Age | 64 | 
| Maximum Trip Length (in days) | 212 | 
Trip Cancellation Coverage
| Emergency Medical/Dental | - | 
| Emergency Transportation | - | 
| Trip Cancellation | Up to $10,000 | 
| Trip Interruption | Up to $10,000 | 
| Travel Delay | $150/Day - Max. 2 Days | 
| Baggage Coverage | - | 
| Baggage Delay | - | 
| Accommodations & Meals | - | 
| Repatriation of Remains | - | 
| Vehicle Return | - | 
| Private Duty Nursing | - | 
| 24-Hour Assistance | Included | 
| Maximum Age | No age limit | 
| Maximum Trip Length (in days) | 212 | 
Comprehensive Coverage
| Emergency Medical/Dental | $5,000,000 | 
| Emergency Transportation | Included | 
| Trip Cancellation | Up to $10,000 | 
| Trip Interruption | Up to $10,000 | 
| Travel Delay | $300/Day - Max. 2 Days | 
| Baggage Coverage | $1,000 | 
| Baggage Delay | $200 | 
| Accommodations & Meals | $150/Day - Max. 10 Days | 
| Repatriation of Remains | $5,000 | 
| Vehicle Return | $2,000 | 
| Private Duty Nursing | $5,000 | 
| 24-Hour Assistance | Included | 
| Maximum Age | 84 | 
| Maximum Trip Length (in days) | 0-63:212, 64-84:60 | 
| Product Description | 
                                                                                Cruise Cancellation
                                                                             | 
                                                                                Cruise Comprehensive
                                                                             | 
|---|---|---|
| 
                                                                            Cancellation product with  benefits for baggage, and specialized cruise benefits for missed connection and baggage.
                                                                         | 
                                                                            Package product with benefits for medical emergencies, cancellation and baggage, and specialized cruise benefits for missed connection and baggage.
                                                                         | |
| 
                                                                    Policy
                                                                 | ||
| Emergency Medical/Dental 
                                                                                    Emergency Medical/Dental Coverage reimburses you for the cost of treatment associated with a medical or dental emergency incurred while travelling. Coverage for Family to Bedside, Return of Dependents, and Accommodations and Meals are also included in this benefit. Please see your policy terms and conditions for full details.
                                                                                 | - | Unlimited | 
| Emergency Transportation 
                                                                                    Emergency Medical Transportation arranges to medically transport a patient to an appropriate medical facility or to return home when medically necessary. Please see your policy terms and conditions for full details.
                                                                                 | - | Included | 
| Trip Cancellation 
                                                                                    Trip Cancellation provides reimbursement for non-refundable, prepaid trip payments and deposits if a trip is cancelled for illness, death or other unforeseen covered reasons. Please see your policy terms and conditions for full details.
                                                                                 | Up to $20,000 | Up to $20,000 | 
| Trip Interruption 
                                                                                    Trip Interruption provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted or delayed due to unexpected illness, death or other unforeseen covered reasons. Please see your policy terms and conditions for full details.
                                                                                 | Up to $20,000 | Up to $20,000 | 
| Travel Delay 
                                                                                    Trip Delay provides reimbursement for meals and accommodations when a trip is unexpectedly delayed. Please see your policy terms and conditions for full details.
                                                                                 | $150/Day - Max. 2 Days | $150/Day - Max. 2 Days | 
| Missed Cruise Connection 
                                                                                    Missed Cruise Connection provides reimbursement for costs to reconnect with your cruise, if there is a delay of your connecting common carrier due to mechanical failure of that carrier, weather conditions, a traffic accident or emergency road closure by police. Please see your policy terms and conditions for full details.
                                                                                 | Included | Included | 
| Baggage Coverage 
                                                                                    Baggage Coverage provides reimbursement for lost, stolen or damaged baggage. Please see your policy terms and conditions for full details.
                                                                                 | $1,000 | $1,000 | 
| Missed Baggage Connection 
                                                                                    Missed Baggage Connection provides reimbursement for the purchase of essential items if your personal baggage is delayed or misdirected by your connecting common carrier and does not arrive at your cruise ship prior to its departure.
                                                                                 | $500 | $500 | 
| Accommodations & Meals 
                                                                                    Covers the cost of hotels and meals if you and/or a travelling companion are delayed beyond your scheduled return date or are relocated to receive appropriate medical attention.
                                                                                 | $150/Day - Max. 10 Days | $150/Day - Max. 10 Days | 
| Repatriation of Remains 
                                                                                    Repatriation of Remains provides coverage for the repatriation of mortal remains to the deceased's city of residence should death occur during your trip. Please see your policy terms and conditions for full details.
                                                                                 | $5,000 | $5,000 | 
| Vehicle Return 
                                                                                    Vehicle Return covers expenses to return your vehicle to your residence or to the rental agency if, as a result of a covered medical emergency, you are unable to return your vehicle or rented vehicle to its point of origin. Please see your policy terms and conditions for full details.
                                                                                 | $2,000 | $2,000 | 
| Private Duty Nursing | - | $5,000 | 
| 24-Hour Assistance 
                                                                                    24-Hour Emergency Assistance offers assistance with pre-trip information, document and ticket replacement, legal assistance, emergency cash transfers, medical referrals, and emergency message communication while travelling.
                                                                                 | Included | Included | 
| Maximum Age 
                                                                                    75
                                                                                 | 84 | 74 | 
| Maximum Trip Length (in days) | 212 | 0-54:212, 55-64:30, 65-74:17 | 
Cruise Cancellation
| Emergency Medical/Dental | - | 
| Emergency Transportation | - | 
| Trip Cancellation | Up to $20,000 | 
| Trip Interruption | Up to $20,000 | 
| Travel Delay | $150/Day - Max. 2 Days | 
| Missed Cruise Connection | Included | 
| Baggage Coverage | $1,000 | 
| Missed Baggage Connection | $500 | 
| Accommodations & Meals | $150/Day - Max. 10 Days | 
| Repatriation of Remains | $5,000 | 
| Vehicle Return | $2,000 | 
| Private Duty Nursing | - | 
| 24-Hour Assistance | Included | 
| Maximum Age | 84 | 
| Maximum Trip Length (in days) | 212 | 
Cruise Comprehensive
| Emergency Medical/Dental | Unlimited | 
| Emergency Transportation | Included | 
| Trip Cancellation | Up to $20,000 | 
| Trip Interruption | Up to $20,000 | 
| Travel Delay | $150/Day - Max. 2 Days | 
| Missed Cruise Connection | Included | 
| Baggage Coverage | $1,000 | 
| Missed Baggage Connection | $500 | 
| Accommodations & Meals | $150/Day - Max. 10 Days | 
| Repatriation of Remains | $5,000 | 
| Vehicle Return | $2,000 | 
| Private Duty Nursing | $5,000 | 
| 24-Hour Assistance | Included | 
| Maximum Age | 74 | 
| Maximum Trip Length (in days) | 0-54:212, 55-64:30, 65-74:17 | 
| Product Description | 
                                                                                10 Day Annual
                                                                             | 
                                                                                30 Day Annual
                                                                             | 
|---|---|---|
| 
                                                                            Provides emergency medical coverage for an unlimited number of trips lasting up to 10 days each, taken within a one year period.
                                                                         | 
                                                                            Provides emergency medical coverage for an unlimited number of trips lasting up to 30 days each, taken within a one year period.
                                                                         | |
| 
                                                                    Policy
                                                                 | ||
| Emergency Medical/Dental 
                                                                                    Emergency Medical/Dental Coverage reimburses you for the cost of treatment associated with a medical or dental emergency incurred while travelling. Coverage for Family to Bedside, Return of Dependents, and Accommodations and Meals are also included in this benefit. Please see your policy terms and conditions for full details.
                                                                                 | $5,000,000 | $5,000,000 | 
| Emergency Transportation 
                                                                                    Emergency Medical Transportation arranges to medically transport a patient to an appropriate medical facility or to return home when medically necessary. Please see your policy terms and conditions for full details.
                                                                                 | Included | Included | 
| Accommodations & Meals 
                                                                                    Covers the cost of hotels and meals if you and/or a travelling companion are delayed beyond your scheduled return date or are relocated to receive appropriate medical attention.
                                                                                 | $150/Day - Max. 10 Days | $150/Day - Max. 10 Days | 
| Repatriation of Remains 
                                                                                    Repatriation of Remains provides coverage for the repatriation of mortal remains to the deceased's city of residence should death occur during your trip. Please see your policy terms and conditions for full details.
                                                                                 | $5,000 | $5,000 | 
| Vehicle Return 
                                                                                    Vehicle Return covers expenses to return your vehicle to your residence or to the rental agency if, as a result of a covered medical emergency, you are unable to return your vehicle or rented vehicle to its point of origin. Please see your policy terms and conditions for full details.
                                                                                 | $2,000 | $2,000 | 
| Private Duty Nursing | $5,000 | $5,000 | 
| 24-Hour Assistance 
                                                                                    24-Hour Emergency Assistance offers assistance with pre-trip information, document and ticket replacement, legal assistance, emergency cash transfers, medical referrals, and emergency message communication while travelling.
                                                                                 | Included | Included | 
| Maximum Age 
                                                                                    75
                                                                                 | 64 | 64 | 
| Maximum Trip Length (in days) | 10 | 30 | 
10 Day Annual
| Emergency Medical/Dental | $5,000,000 | 
| Emergency Transportation | Included | 
| Accommodations & Meals | $150/Day - Max. 10 Days | 
| Repatriation of Remains | $5,000 | 
| Vehicle Return | $2,000 | 
| Private Duty Nursing | $5,000 | 
| 24-Hour Assistance | Included | 
| Maximum Age | 64 | 
| Maximum Trip Length (in days) | 10 | 
30 Day Annual
| Emergency Medical/Dental | $5,000,000 | 
| Emergency Transportation | Included | 
| Accommodations & Meals | $150/Day - Max. 10 Days | 
| Repatriation of Remains | $5,000 | 
| Vehicle Return | $2,000 | 
| Private Duty Nursing | $5,000 | 
| 24-Hour Assistance | Included | 
| Maximum Age | 64 | 
| Maximum Trip Length (in days) | 30 |