Program Protection is designed to cover both you and the cost of your program arrangements against a variety of unforeseen reasons that may affect you or your travel plans.

Emergencies can happen when you least expect it. Program Protection provides coverage for Program Cancellation or Interruption; Accident & Sickness; Medical Emergencies; Baggage Delay or Program Delay and much more. Plus, we offer 24-hour Non-Insurance Traveler Assistance Service to help you with emergency situations that arise during your program.

Many travel products are non-refundable, and airline and cruise deals usually come with few options if you can't actually attend your program. Last month you reserved your program. A few weeks later a family member became critically ill.

Important Tip! Many people only consider their own health when deciding about program protection. It is not uncommon for younger people to assume that because they are healthy, program protection is not needed. But what about parents, grandparents, children, grandchildren, aunts and uncles? Remember program protection not only covers you (subject to the terms of the plan) if you need to cancel your program due to your sickness or injury but also can cover you if you need to cancel your trip due to the sickness or injury of any of these close family members.

Although there are several covered reasons for Program Cancellation, not every possible reason is covered. Program protection plans do not cover a change of mind or other similar discretionary reasons for cancelling your program. Cancel For Any Reason gives you the freedom to cancel a program for any reason not otherwise covered by this plan 2 days or more before the scheduled program departure date and be reimbursed for up to 75% of the prepaid, non-refundable payments or deposits you paid for your program. Of course, if a program is canceled for a covered reason, then reimbursement would be at 100% of the unused, forfeited, prepaid non-refundable payments or deposits you paid for your program (under the Program Cancellation Benefit).

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 your initial payment or deposit for the Program is received. Remember, unlike covered reasons such as sickness or injury, you do not receive 100% reimbursement.

Additional terms and conditions apply. Not available for residents of NY.

There are three convenient ways for you to purchase one of our exclusive Program Protection Plans, online at cp.mhross.com, through a participating camp organization or by calling our Customer Service Department at (833) 297-2255.

You should insure the cost of all of your non-refundable air, land or cruise program arrangements. Fully-refundable arrangements (i.e. without any penalties or restrictions) need not be insured.

For example, many first class airline tickets, and some business class tickets are fully refundable. You should only buy program protection for prepaid and non-refundable program arrangements. Non-cash transactions such as use of frequent traveler awards, early bird discounts etc., generally cannot be covered.

Important Tip! We recommend you insure the full cost of any prepaid, non-refundable program arrangements.

For a variety of reasons, it is prudent to purchase program insurance 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 coverage enhancements, such as the Waiver of the Pre-Existing Conditions Exclusion and the Cancel For Any Reason Benefit.

Under the Program Cancellation Benefit, coverage begins 12:01 am the day after the plan cost has been received. For most other benefits, coverage begins when you depart on your first program arrangement to reach your program destination.

You should enter your attained age at time of purchase of a plan.

A pre-existing medical condition is an illness, disease, or other condition during the 60-day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, or Family Member scheduled or booked to travel with You:

1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this plan.
3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
   1. between a brand name and a generic medication with comparable dosage; or
   2. an adjustment to insulin or anti-coagulant dosage.

Death resulting from a pre-existing medical condition will not be excluded. Death must occur prior to the termination date of the benefit under which the claim is being made.

The Program Cancellation Benefit does not cover the value of the frequent flyer points.

Coverage is available (to the plan maximum) for baggage and personal effects that are lost, stolen, damaged or destroyed during your covered program. You must take all reasonable steps to protect, save or recover your baggage and personal effects.

Our plans also provide a Baggage Delay Benefit, if while on your program, your baggage is delayed for 24 hours or more. This can reimburse you for the purchase of reasonable additional clothing and personal articles.

You can cancel and return your plan to MH Ross within the 14-day free look period and receive a complete refund, provided you have not incurred a loss, filed a claim or departed on your program.

Yes, you should read your documents as soon as you receive them to make sure the information is accurate. The plan document explains the plan's benefits, limitations, conditions and exclusions. The Purchase Confirmation contains the maximum benefit amounts for the plan purchased. These two documents should be taken with you on your program so you may refer to them in case of an emergency.

Please call us with all of the details and we will be happy to assist you. You may call 1-833-297-2255. We may request documentation regarding your requests.

You can contact Generali Global Assistance. Assistance coordinators are available 24/7 to help you in emergency situations. The Generali Global Assistance contact information is included in the Plan Document and on your Purchase Confirmation. Services provided by Generali Global Assistance are not insurance.

Typically, a word or phrase is capitalized because the word or phrase is defined in the plan.

The Program Cancellation Benefit provides reimbursement for the unused, non-refundable insured costs when you cancel your program for a covered unforeseen reason.

The Program Interruption Benefit provides reimbursement for your unused, forfeited, prepaid non-refundable land or water program arrangements or the additional transportation costs to either join or rejoin your program if you are interrupted, or return to your originally scheduled return destination of your program for the covered unforeseen reasons listed in the plan.

If you would like to attend your program without your traveling companion, the Single Supplement benefit can reimburse you for the additional cost incurred as a result of the change in the per person occupancy rate for prepaid program arrangements, provided your traveling companion has canceled or interrupted his or her program for a covered reason.

Age is important as your plan cost is based on a combination of age, program cost and program length.
All claims are subject to the full terms and conditions of the plan document.