APRIL VIP Plan
Description courte

A full suite of benefits & cancellation reasons including some coverage allowances up to $1,000,000 or 175% of trip cost. Optional upgrades include Cancel For Any Reason, Cancel For Work Reasons, Sports/Business Baggage, and Vehicle Damage.

Free Look Period: You may cancel your policy within 10 days of purchasing the plan for a full premium refunded, provided that there has been no incurred covered trip expenses and you have not left on your covered trip.

COVID Purchase Info: This plan includes coverage for COVID relating to Trip Cancellation, Trip Interruption, Travel, Delay, Emergency Medical, and Emergency Assistance and Transportation.  For any plans PURCHASED AFTER October 15th, 2020 that include coverage for losses due to sickness, we are providing coverage if you, a traveling family member, or a traveling companion contract COVID-19 and plan requirements are met. Eligible coverages can include Trip Cancellation prior to your scheduled departure, Trip Interruption, Travel Delay, Medical and Dental, and Emergency Assistance and Transportation coverage during your trip.

COVID Refund Info: If your trip was cancelled by your travel supplier, you have received a full refund of your insured trip costs, and you have not filed a claim, then you may reuse the full value of your policy for up to 2 years from your Original Departure Date.

Purchase Restriction(s): This plan must be purchased within 90 days of your Initial Trip Deposit Date.  Our website's Quoting Tool will not show this policy if today's date is more than 90 days from your Initial Trip Deposit Date.  Also, the Cancel For Any Reason (CFAR) Upgrade is only available for policies with Departure Dates of April 1, 2021 or later.

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About the product

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Who is this policy designed for?
Description

Individuals or families that only buy travel insurance 1 or 2 times a year, will be traveling for no more than 60 consecutive days, like the peace of mind of having higher coverage limits, are prone to medical issues or accidents, like being able to cancel plans for ANY reason (upgrade), &/or may be renting a car (upgrade).

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Benefits
Description
  • Trip Cancellation & Interruption to cover 100% & 175% of your trip costs (respectively) for situations such as sickness, injury, or death, weather & natural disasters, terrorism or strikes, military duty, jury duty, involuntary job loss, documented theft of passports or visa, extended school year, & much more.
  • Emergency Medical Expenses of $250,000. Pre-Existing Conditions Waiver may be included if policy is purchased within 14 days of initial trip payment.
  • Emergency Evacuation/Repatriation coverage up to $1,000,000.
  • Trip Delay (6 Hours) coverage of $250 per day & up to $1,500 max.
  • Baggage & Personal Effects coverage up to $2,500. 
  • Baggage Delay (24 Hours) coverage for reimbursement of up to $750 per person for additional necessary items purchased while luggage was delayed.
  • Accidental Death & Dismemberment coverage of up to $50,000. 
  • Rental Car Collision coverage up to $50,000
  • Additional Optional Upgrades available: Trip Cancellation for Any Reason (where applicable), Trip Cancellation for Work Reasons, Sports & Business Equipment Baggage Coverage, & More.
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Pratical Information
Description
  • Age limit to purchase: Any age as long as at least one person on the policy is 18 years or older
  • Maximum consecutive days traveled:  60 days
  • Maximum trip cost: $20,000 per policyholder
  • Purchase Window:  You must purchase this plan within 90 days of your Initial Trip Deposit
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Associated Services
Description

Stress Less Benefits are included with this plan & allow our policyholders to often avoid going through a claims reimbursement process. Simply call, Skype, text, live chat, or email us when you encounter an insurable event while traveling, and we will coordinate and pay for your medical visit, flight change, hotel overnight, evacuation, or other service as covered by your policy.

24-Hour Assistance Services such as Lost Luggage tracking, Medical Referral, Embassy & Consular Services,  Identity Theft, plus many more are included with this plan.  For a full list of these services plus a description of each, please click on "General conditions."

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Optional Service
Description

Additional Optional Add-on Benefits: Trip Cancellation for Any Reason (where applicable)*, Trip Cancellation for Work Reasons, Sports & Business Equipment Baggage Coverage, & More.

*Cancel For Any Reason (CFAR) is only available for policies with Departure Dates of April 1, 2021 or later.

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List of excluded countries and/or states
Description

Coverage is not available while traveling in the following countries: Cuba, Iran, North Korea, Syria and the Sudan.

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