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Enhanced Benefits & Coverage

Part A: Trip Cancellation Waiver 

Part A: Benefits Before You Travel
(Offered by O.A.T. and administered by Allianz Global Assistance)
Trip Cancellation Waiver (including pre-existing medical conditions) 100% of Trip Cost

The Part A benefits listed above are provided by O.A.T.


Part A: Trip Cancellation Waiver

Maximum: Up to 100% of trip costs, including deposit
If your trip is canceled, your travel investment is protected

If you have to cancel your trip, even up to the day of departure, you'll retain the full value of your trip, including your deposit. You will be reimbursed in cash for certain "Covered Reasons," as detailed in the Plan Documents and for any reason other than a "Covered Reason," you will receive a travel voucher for a new reservation from O.A.T. for the penalty amount.

      • Sickness, injury, or death of traveler, traveling companion, or family member
      • Quarantine, jury duty, court order to appear as witness for traveler or traveling companion
      • Traveler or traveling companion’s place of employment damaged due to natural disaster, requiring traveler or traveling companion to remain at work
      • Documented theft or loss of passport or visa
      • Job transfer
      • Documented traffic accident causing missed trip departure
      • Organized labor strike, bad weather, or mechanical breakdown of aircraft for 24 hours or more
      • Shutdown of airport or air traffic control system for 6 hours or more preventing trip departure
      • Emergency military duty resulting from natural disaster for traveler or travel companion
      • Previously granted military leave revoked for traveler or traveling companion
      • Job termination or layoff with employer


Pre-existing condition? You can be covered

You can enjoy Travel Protection Plan coverage, even if you have a pre-existing medical condition. If we receive payment for your Travel Protection Plan within 10 days of your initial deposit/payment for your trip your pre-existing medical condition would qualify for cash reimbursement; purchase after 10 days and receive a voucher—which means you'll be covered before and during your trip, provided you are not already disabled from travel at the time you purchase the Travel Protection Plan.

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Part B: Travel Benefits

Part B: Travel Benefits
(Offered and administrated by Allianz Global Assistance)
Primary Emergency Medical and Dental $50,000
($750 dental sublimit)
Emergency Transportation $500,000
Trip Interruption 100%, up to $100,000
Travel Delay (includes missed cruise and tour departures) $300 per day, up to $1,500
Baggage Damage or Loss $2,000
Baggage Delay $600


Part B: Travel Benefits

Trip Interruption

Maximum: Up to 100% of trip costs with $100,000 maximum
If you must interrupt your trip or return home early for a covered reason, the plan will pay (up to the original cost of your trip) for your unused land or water travel arrangements, less any refund paid or payable, plus the additional transportation cost to return home or rejoin your trip.

      • Death of Insured
      • Death of Family Member
      • Death of Traveling Companion
      • Destination Uninhabitable
      • Destination Inaccessible- 6 hours
      • Extended Travel Delay 50%
      • Hijacking
      • Home Uninhabitable
      • Hurricane Warning
      • Illness of Insured
      • Injury of Family Member
      • Injury of Traveling Companion
      • Involved in Traffic Accident
      • Legal Proceeding
      • Loss of Accommodations Abroad
      • Mandatory Evacuation
      • Military Obligations
      • Quarantine
      • Terrorism (Foreign and Domestic)
      • Canceled Services


Emergency Medical and Dental
$50,000 ($750 dental sublimit)
This primary coverage provides reimbursement for expenses incurred during your trip due to covered medical dental emergencies.

Emergency Transportation
provides benefits of medically necessary transportation to the nearest appropriate facility and can also provide benefits for the cost of your transportation back home following a covered illness or injury.

Travel Delay (includes missed connections)
Maximum:$300 per day, up to $1,500
If your trip is delayed for six or more hours for a covered reason, this benefit reimburses up to $300 per person, per day for additional travel or lost prepaid expenses. If this covered delay results in your missing your cruise/tour departure, the daily limit does not apply.

      • Travel Carrier delay
      • Strike
      • Quarantine
      • Natural Disaster
      • Roads Closed or impassable due to severe weather
      • Lost or stolen travel documents
      • Hijacking
      • Civil Disorder
      • Delayed by or involved in a traffic accident


Baggage Loss/Damage
Covers loss, damage, or theft of baggage and personal effects.

Baggage Delay
Reimburses the reasonable additional purchase of essential items during your trip if your baggage is delayed or misdirected by a common carrier for 12 hours or more. Receipts for emergency purchases are required.

Accidental death benefit
Your beneficiaries will receive payment according to the plan's Schedule of Benefits for Accidental Death, which occurs within 180 days of an injury sustained while you are on your trip.

Our Promise to You
Since your satisfaction is our priority, we are pleased to give you ten days to review your plan. If, during this ten-day period, you are not completely satisfied for any reason, you may cancel either Part A, Part B, or the full plan and receive a full refund of what you paid for the cancelled portion of the plan. Please note that this refund is only available if the trip has not started and a claim has not been initiated. After this 10-day period, your payments for Part A and Part B are non-refundable. Some states allow a longer period or provide different terms for refunds. See the full terms and conditions of your plan for details. If you have any questions, call us at 1-800-221-0814.

Part A: Trip Cancellation Waiver benefits are provided by Grand Circle and administered by Allianz Global Assistance. 

Part B: Travel Benefits are underwritten by BCS Insurance Company (OH, Administrative Office: Oakbrook Terrace, IL), rated “A-” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: Richmond, VA), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101- P series, depending on your state of residence. Plan(s) only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are brands of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Non-Insurance benefits/products are provided and serviced by AGA Service Company. Consumer may be responsible for charges incurred from outside vendors for assistance or concierge services. Contact AGA Service Company at 1-866-737-6008 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected]

Terms, conditions, and exclusions apply.

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