Travel insurance exists to protect you from certain financial risks and losses that can occur while traveling. Trip cancellation and interruption benefits can reimburse you for non-refundable, pre-paid trip costs (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason. Depending on the plan you choose, travel insurance also can get you crucial assistance in a medical emergency; reimburse you for eligible losses caused by a covered travel delay, baggage delay or baggage loss/damage; and help in other situations as well.

Non-refundable costs include pre-paid trip deposits/payments that would be lost if you had to cancel for a covered reason prior to trip departure. Some examples include cruise fares, conference fees, tours and airline ticket costs. Be sure to consult your travel suppliers to determine which costs are non-refundable for your particular trip, as cancellation policies vary.

Depending on the plan you choose, travel insurance can provide benefits for a number of situations that may occur before or during your trip. These benefits include:

• Trip Cancellation
• Trip Interruption
• Emergency Medical Transportation
• Emergency Medical / Dental
• Lost / Stolen / Delayed Baggage
• Travel Delay
• Rental Car Damage Protection
• 24-Hour Hotline Assistance

Note: Not all plans include each benefit listed here. Please see the Certificate of Insurance/Policy for terms, conditions, and exclusions.