The following coverage upgrades are available, based on your plan and state.
“Cancel for any reason” coverage
“Cancel for any reason” coverage allows you to cancel a trip, regardless of the reason why. You can choose to be reimbursed either 50% or 75% of your trip costs when you buy this insurance upgrade for a Premier or Preferred plan. You must cancel your trip at least 48 hours before your departure to be eligible to file a claim.
“Interruption for any reason” coverage
The “interruption for any reason” upgrade allows you to cut a trip short for reasons beyond what’s listed in your policy for interruption benefits. It is only available for the Premier plan. This “Trip interruption for any reason” travel insurance upgrade reimburses 50% of your trip cost as long as you are at least 48 hours into your trip.
Destination weddings
This upgrade allows you to get trip cancellation benefits if the bride or groom of the wedding you are attending cancels the wedding after you bought your travel insurance policy. No coverage is available if you are the bride or groom and you cannot purchase this upgrade with the Economy plan.
Adventure sports
This add-on extends coverage to include safari activities, bungee jumping, hang gliding and other extreme sports and activities.
Primary coverage for medical expense insurance
If you purchase this upgrade with the Preferred plan, benefits provided under emergency accident and sickness medical expense coverage will be considered primary, rather than secondary. Primary coverage is included with the Premier plan.
Rental car damage and theft
This upgrade covers collision damage and the theft of a rental vehicle.
Medical evacuation and hospital of choice
With this upgrade, you can double the medical evacuation coverage for Economy and Preferred plans. It also includes evacuation to the hospital of your choice.
pet care
If your dog or cat is traveling with you and needs care, this upgrade provides compensation for vet bills. It also adds cancellation and interruption coverage for the death or critical illness of your dog or cat.
If you suffer an accident or illness while traveling, pet care coverage can cover transportation for your pet home. It also covers pet boarding if you experience a trip delay caused by a reason covered by your travel insurance plan.
Primary coverage, higher limits for baggage
This add-on doubles your baggage coverage limits and makes your baggage insurance primary, rather than secondary coverage.
Security/terrorism
This optional upgrade helps pay for evacuation for personal security or political reasons. It also allows you to cancel a trip if a terrorist event occurs at your destination, including cyber terrorism, within certain time frames of your policy purchase. It also adds interruption benefits for civil unrest or riots lasting more than 12 hours.
This coverage can also pay for ransom and crisis response if you’re kidnapped, under certain conditions. Keep in mind that some countries are excluded from kidnapping coverage, for instance, Afghanistan and Somalia. Excluded countries are listed in the policy.
Vacation rental
The vacation rental upgrade provides interruption benefits if your rental is not cleaned, is overbooked or if keys are lost.
Academics, sporting events, volunteer and mission programs
This add-on benefit allows you to cancel a trip if after you bought a policy you are required to take an exam scheduled during your trip. It also adds cancellation coverage if you or your travel companion or family is required to participate in a theatrical or sporting event on a date during your trip. This coverage provides cancellation benefits if a festival, sporting event, concert or volunteer activity that was the sole reason for your trip is canceled.
Hunting and fishing
The hunting and fishing upgrade covers cancellation due to government restrictions. It also provides coverage if you need to cancel because of illness or injury to you, your traveling companion, family members or your tour guide. In addition, this add-on benefit covers equipment if lost, damaged or stolen and reimburses for rental gear.