Travel Insurance & Safety

Key features

• A cancel-for-any-reason upgrade reimburses 75% of trip costs when added within 14 days of the first trip deposit and canceled at least 48 hours before departure.
• Trip cancellation reimburses 100% of non-refundable costs up to $40,000, and trip interruption pays up to 150% of costs (capped at $60,000) if a covered event cuts a trip short.
• In-app access to more than 20,000 telemedicine doctors for a virtual consult from the road, instead of searching for an English-speaking clinic in an unfamiliar city.
• $100,000 in nonmedical evacuation coverage for events like a natural disaster or civil unrest that force an early departure without being a medical emergency.
• Add-ons cover adventure and extreme sports, rental car damage, vacation rental damage, pet care back home, and work-related trip cancellation, so one base plan can be tailored per trip instead of shopping a new insurer for each need.

Where to buy

Key features

• Annual multi-trip plans alongside single-trip coverage, so frequent travelers are not re-quoting for every departure
• Specialized policies for less common trips: digital nomad, student and internship, group travel, and visa-specific coverage such as Schengen requirements
• 24/7 multilingual assistance line for emergencies while traveling
• Trip cancellation and interruption coverage is available as its own policy category, for travelers whose bigger risk is losing prepaid trip costs rather than a medical emergency abroad

Where to buy

Key features

• The Deluxe plan carries $150,000 in emergency medical coverage and $1,000,000 for medical evacuation, the highest limits in the lineup; Preferred carries $50,000 and $500,000
• Cancel for Any Reason is an optional add-on that refunds part of the trip cost for a cancellation no standard reason covers, as long as the trip is canceled at least 48 hours before departure
• The 24/7 assistance line does more than open claims: it rebooks flights and hotels after a disruption and helps locate care abroad
• Rental vehicle damage coverage can be added as primary coverage, so the rental counter's own collision waiver can be declined
• Every policy comes with a money-back review period after purchase, provided the trip has not yet started

Where to buy

Key features

• Upgrading to Premier switches the flight home to premium economy, adds a hotel stay while awaiting medical clearance, and lets the member choose a destination other than home, such as a hospital near an adult child
• A round-trip ticket brings a family member to the bedside when a member is hospitalized away from home; traveling companions and unattended grandchildren are also transported home
• Up to two nurse escorts accompany the flight home when a doctor determines the member cannot travel alone, with an air ambulance used where medically necessary
• If a hospitalization leaves a car or RV stranded, the membership returns the vehicle home, and Premier members get return of up to two vehicles
• Pets traveling with the member are boarded or returned home, and the membership also handles return of remains
• Coverage starts as soon as payment clears and there is no trip registration, so every trip during the membership year is covered automatically

Where to buy