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 Evacuation provides coverage for medical expenses due to a sickness or injury that occurs while you are traveling. Under certain circumstances detailed in the Plan, the Plan can pay for the transportation expenses to evacuate you to the nearest qualified hospital.

Travel Delay Benefits to cover your out-of-pocket meal and accommodation expenses due to flight delays or for other covered reasons. You must be delayed for a specified amount of time detailed in your plan.

Baggage and Personal Effects provides reimbursement when your baggage or personal effects are damaged, lost or stolen during your trip. Baggage Delay provides reimbursement for the purchase of reasonable additional clothing and personal articles if your baggage is delayed 24 hours or more during your trip.

This benefit covers non-refundable program costs when you must cancel your program for covered medical reasons (such as Sickness, Injury or death of you, a Family Member or Traveling Companion).

Additionally, certain non-medical reasons are covered as well, such as: certain air carrier delays, theft of passports or visas, your home or destination being rendered uninhabitable, etc.

Additional terms apply to all covered reasons for Program Cancellation.

This benefit covers the cost of your unused, non-refundable land or water program arrangements and the additional expense to either resume your trip or return home, if you interrupt your program due to 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. Under certain circumstances detailed in the Plan, the Plan can pay for the transportation expenses incurred to evacuate you to the nearest qualified hospital and/or to return you home.

This benefit covers you for transportation expenses to the nearest place of safety if a formal recommendation from 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 not otherwise covered by this plan and be reimbursed for 75% of your non-refundable program costs. To be eligible for this coverage, the plan must be purchased within 20 days of the date your initial payment or deposit for the program is received, and you must cancel your program 2 days or more prior to your scheduled departure date.

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

What if your airline ceases operations due to bankruptcy and no other airline can can't meet your needs? We have plans to cover a trip cancellation or interruption due to the Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the program supplier from whom you purchased program arrangements). Additional terms apply.