• Pre-existing medical conditions. (This exclusion is waived: 1) if the premium is received no later than 7 days after the initial deposit/payment for the trip, and 2) provided the passenger is not already disabled from travel when the premium is paid)
• Mental, nervous or psychological disorders.
• Carrier delays other than by strike
• Travel arrangements canceled by an airline, cruise line or tour operator due to mechanical problems
• Normal pregnancy, or resulting childbirth
• Any government regulation or prohibition, war, civil disorder, nuclear reaction or containment

$500 - TRIP DELAY
Reimburses up to $100 a day for additional accommodations and traveling expenses due to a covered delay of 12 hours or more while on the trip caused by:
 

Carrier delay
Loss of passport, money, or traveling documents
Natural disaster or quarantine
Injury, Sickness or Covered Death of the traveler, a Traveling Companion or Immediate Family Member accompanying the traveler.

$1000 - BAGGAGE & TRAVEL DOCUMENTS

• Covers loss due to unauthorized use of credit cards
• Pays for administrative fees to reissue lost or stolen tickets
• Coverage for loss, damage, destruction or theft of property
• Covers lost or stolen documents (Passports & Visas)

$100 - BAGGAGE DELAY
Pays up to $100 for the purchase of essential items if baggage is delayed for more than 24 hours.

$10,000/$15,000 - MEDICAL EXPENSE / EMERGENCY EVACUATION AND REPATRIATION
 

Covers accident & sickness medical expenses with no daily limits, coinsurance or deductible.
Pays for emergency dental expenses incurred while on the trip.
Medical Evacuation to nearest medical facility/home, including escort expense, if required.
Return of the remains in the event of death while on a trip.