Our Travel Protection Plan

Life happens along the way

We offer a Travel Protection Plan in partnership with Trip Mate, which can help you navigate the unexpected by protecting your investment both before and during your trip.

• Cancel any time—and retain the full value of your trip up to the day of departure (Non-insurance Cancellation Waiver provided by Overseas Adventure Travel)
• Includes primary medical expense coverage 
• 24/7 Non-Insurance Emergency Assistance for on-trip medical emergencies
• 10-day Free Look Period for plan cancellation and refund

It’s always best to plan ahead

For the best coverage, purchase our Travel Protection Plan when you reserve your trip. It is important that you have coverage if you have a pre-existing condition. You will also be covered if a condition develops prior to your departure.

Retain up to 100% cash reimbursement of your trip cost if you need to cancel due to a PRE-EXISTING MEDICAL CONDITION. You must be able to travel at the time you purchase this plan, and you must buy the plan within 14 days of making your initial trip deposit.

Plus, if you change your mind about purchasing the plan, you can receive a full refund under the 10-day Free Look Period. Terms apply.

PART A*: BENEFITS BEFORE YOU TRAVEL:

• NON-INSURANCE CANCELLATION WAIVER
• NO AGE RESTRICTIONS: Our prices will NEVER go up based on age, unlike other plans which may have a higher plan cost.
• CANCEL FOR ANY REASON: If you must 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 specified reasons; for any other reason other than a specified reason, you can receive a travel voucher.

It is important to have your coverage prior to traveling and while you are on your adventure. Find plan documents here.

PART B TRAVEL INSURANCE BENEFITS**:

• TRIP INTERRUPTION: Protects up to 150% of Trip Cost (more than the price of your trip) in the event of a trip interruption, while other plans may only cover the base cost of your trip.
• TRIP DELAY: Provides benefits up to $400 per day (up to $2,000) for reasonable expenses—such as meals, lodging, and additional transportation—when you are delayed twelve consecutive hours or more for a covered reason.
• MISSED CONNECTION: $2,000.
• BAGGAGE DELAY: $300 per day (up to $1,500).
• BAGGAGE & PERSONAL EFFECTS: Up to $3,000.

Medical Expense

• PRIMARY COVERAGE: Submit medical expenses directly to Trip Mate, who will send payments for payable medical expenses in a timely manner. This benefit can be greatly preferred to plans that only offer secondary coverage, where you must submit your expenses to your own insurance first—if not fully paid for, you will then have to submit to the plan insurance provider.
• ACCIDENT & SICKNESS MEDICAL EXPENSE: Up to $50,000 in medical expenses and increased coverage in emergency dental expenses—was $750, NOW $1,000.
• 24-HOUR ACCIDENTAL DEATH & DISMEMBERMENT: Up to $25,000.
• MEDICAL EVACUATION AND REPATRIATION OF REMAINS: Up to $500,000 in medical evacuation and repatriation of remains.

Coverage and maximum amounts may vary by state and may not be available in all states. Please visit the TripMate website for details and important disclosures.

24-hour Non-insurance Emergency Assistance

Learn about Benefits & Coverage
Learn about Rates

For more details and information on O.A.T.'s Waiver and Trip Mate’s post-departure insurance and services, including plan and pricing details, click here.

*Part A Provided by O.A.T. and serviced by Trip Mate, a Generali Global Assistance & Insurance Services brand

Cancellation Waiver is available for purchase separately in NY. In NY and MN a different cancellation waiver is available.

**Part B Provided by United States Fire Insurance Company and serviced by Trip Mate, a Generali Global Assistance & Insurance Services brand

This advertisement contains highlights of the plans developed by Trip Mate, a Generali Global Assistance & Insurance Services brand, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by Generali Global Assistance, FootprintID and Blue Ribbon Bags and a non-insurance Cancellation Fee Waiver provided by Overseas Adventure Travel. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions.

Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate, a Generali Global Assistance & Insurance Services brand; P.O. Box 527, Hazelwood, MO 63042; 1-866-900-8452; [email protected]. We are licensed in all states. While Trip Mate markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Trip Mate, and Trip Mate does not receive compensation from USF for providing the non-insurance components of the plans.

For information on the Plan Documents, important notices and disclaimers, visit the Trip Mate website.

Please note: Our Travel Protection Plan must be purchased before or at the time of final payment. It may not be purchased after the trip has been paid for in full. In MN and NY a different cancellation waiver is available. Available for purchase separately in NY.