Travel can get expensive when you're far from home and the unexpected occurs: Sickness or injury, travel delays, baggage loss, or worse. You can choose from a wide variety of Travel Insurance Plans: Accidental Death & Dismemberment (AD&D) Pays a lump sum when an accident results in death or the loss of a body part. Don't confuse this coverage with Flight Accident Insurance, which pays only when an airplane accident leads to death or dismemberment.

Trip Protection

Pays non-reimbursed travel expenses if an emergency (death, sickness, airline strike, travel company bankruptcy, etc.) occurs just before or during your trip, causing it to be canceled, interrupted, or delayed.

International Medical Insurance

Reimburses you for medical expenses up to $1 million incurred when traveling or living abroad for two weeks to two years. Coverage might include emergency evacuation, reunion, and repatriation benefits, as well as AD&D and travel assistance.

Annual Medical Insurance

Provides annually renewable International Medical Insurance with higher maximum policy coverage levels (up to $5 million) and more comprehensive types of coverage.

Emergency Medical Evacuation

Covers the cost of transporting a seriously injured or ill person to an adequate medical facility, a hospital near home, or the hospital of their choice. This coverage is usually included with both International Medical Insurance and Travel Protection plans, but is also sold separately

Student Travel

Students studying or traveling abroad should make sure they know what insurance coverage their school or study abroad program provides, if any.

Group Travel Insurance

Might be available when at least five travelers (usually 10 or more) on the same itinerary apply for coverage on one application.

Travel Supplier Bankruptcy/Default Plans

Usually covers lost travel expenses due to travel supplier bankruptcy and default (cessation) of services. However, there are substantial differences among plans.