Program protection plans include benefits intended to help protect you, your travel investment and your belongings. The basic benefits include:

Program Cancellation/ Interruption to reimburse you should you have to cancel or interrupt your program for a covered medical or non-medical reason.

Medical Expense/Emergency Assistance to cover medical expenses and emergency transportation for a sickness or injury that occurs while you are traveling.

Travel Delay Benefits to cover your out-of-pocket meal and accommodation expenses due to flight delays or cancellations or for other similar covered reasons. You must be delayed for a specified amount of time, such as 12 hours or more.

Baggage and Baggage Delay to cover loss or damage to your baggage or personal items or the cost of buying toiletries or personal articles if your baggage is delayed for a specified amount of time.

This benefit covers the non-refundable program costs when you must cancel your program.

All plans cover cancellation for covered medical reasons (such as Sickness, Injury or death of you, a Family Member or Traveling Companion).

Additionally, certain non-medical reasons will be covered as well, such as: air carrier delays or cancellations, theft of travel documents, damage or destruction of your home, etc.

This benefit covers the cost of your unused, non-refundable land or water program arrangements and the additional air expense to either resume your trip or return home, if you interrupt your program and/or return home early from your program for the same types of medical or non-medical reasons covered for Program Cancellation.

This benefit reimburses you for medical treatment during your program if you become sick or are injured while traveling. Additionally, air transport expenses (such as upgraded air arrangements, air ambulance, including doctor or nurse escort expenses) for medical evacuation are covered, if needed to obtain the appropriate level of care required for your condition.

This benefit covers you for transportation expenses to the nearest place of safety if a formal recommendation from appropriate local authorities or the US State Department is issued to leave a country due to: 1) a natural disaster such as an earthquake, wild fires or tsunami; 2) civil, military or political unrest; or 3) being expelled or declared a persona non-grata.

This benefit allows you to cancel your program for any reason whatsoever and still be reimbursed for most of your non-refundable program costs. To be eligible for this coverage, the plan must be purchased within 20 days of the date of the initial payment or deposit for the Program and you must cancel your program 2 days or more prior to your scheduled departure.

Important Tip! Like some other provisions and benefits, Cancel For Any Reason is time sensitive and must be purchased within 20 days of the date the initial payment or deposit for the Program is received. Remember, unlike covered reasons such as sickness or injury, you do not receive reimbursement for your entire cancellation penalty amount.

For a variety of reasons, it is prudent to purchase program protection when you first book your program (i.e. make your first payment for program arrangements).

Why? Most program protection policies contain one or more time sensitive provisions that broaden coverage. The time sensitive provisions which are included in most of our plans apply to several coverage enhancements, such as: waiving of the Pre-Existing Conditions Exclusion; and the Cancel For Any Reason Benefit.

What if your airline or travel supplier ceases operations? Other airlines or travel suppliers will try to find space for you but usually at a cost, what happens if they can't meet your needs? We have plans to cover a trip cancellation or interruption due to supplier Bankruptcy or default.