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Review each plan’s limits, coverages, and benefits, then select the best plan for you.
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Backroads Plan
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| Please Note: Plan benefits, limits, and provisions may vary by state or jurisdiction. All travelers on a plan must reside in the same state. | |
| Coverage For Your Arrangements – Benefit Limits | |
| Plan | Backroads Plan |
| Trip Cancellation | Trip Cost |
| Trip Interruption | 150% of Trip Cost |
| Missed Connection | $750 |
| Trip/Travel Delay | $750 |
| Per Day Maximum Limit | $150 |
| Required minimum delay time | 8 Hours |
| Coverage For You – Benefit Limits | |
| Plan | Backroads Plan |
| Medical Expense / Emergency Assistance | |
| Accident & Sickness Medical Expense | $50,000 |
| Emergency Dental Expense | $750 |
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Emergency Medical Evacuation & Return of Remains |
$100,000 Included |
| Non-Medical Emergency Evacuation | $25,000 |
| 24 Hour Travel Assistance Services | Included |
| Accidental Death & Dismemberment | |
| 24 Hour Coverage during Trip | $25,000 |
| Coverage For Your Belongings – Benefit Limits | |
| Plan | Backroads Plan |
| Baggage & Personal Effects | $2,000 |
| Baggage Delay | $750 |
| Per Day Maximum Limit | $250 |
| Required minimum delay time | 12 Hours |
| Coverage For Your Travel Arrangements – Benefit Provisions | |
| Plan | Backroads Plan |
| Trip Cancellation or Interruption Due to: | |
| Sickness, Injury or Death | |
| A Pre-Existing Medical Condition | |
| Required time period for purchase | At or before the final payment due date for Your Trip |
| Common Carrier Delay/Cancellation: | |
| Unannounced strike | |
| Mechanical breakdown | |
| Bad weather | |
| Residence, destination or workplace made uninhabitable by fire, flood, or natural disaster | |
| Residence | |
| Destination | |
| Workplace | |
| Involuntary termination of employment |
1 year continuous employment |
| Permanent transfer of employment | |
| Being hijacked, quarantined or jury duty | |
| Traffic accident while en route to departure | |
| Bankruptcy or default of a travel supplier | |
| Required time period for bankruptcy/default | At or before the final payment due date for Your Trip |
| A Terrorist Incident | |
| Documented theft of passports or visas | |
| Military personnel called to emergency duty for a natural disaster | |
| Revocation of previously granted military leave |
(due to war) |
| Trip Cancellation reimburses: | |
| Prepaid, forfeited, non-refundable trip payments or deposits | |
| Single Occupancy Upgrade charges incurred due to a covered reason | |
| Trip Interruption reimburses: | |
| Prepaid, unused, non-refundable land or water travel arrangements | |
| Additional airfare expense to return home, or to join/rejoin the trip | |
| Single Occupancy Upgrade charges incurred due to a covered reason | |
| Missed Connection Due to: | |
| Any Common Carrier caused delay | |
| Missed Connection reimburses: | |
| Additional transportation cost to join the trip | |
| Unused portion of the prepaid expenses for covered travel arrangements | |
| Trip or Travel Delay Due to: | |
| Common Carrier Delay | |
| Involvement in traffic accident en route to departure | |
| Lost/stolen passports, travel documents or money. | |
| Quarantine, hijacking, strike, natural disaster, terrorism or riot | |
| A documented road closure by authorities | |
| Trip/Travel Delay reimburses: | |
| Additional meal and accommodation expenses | |
| Local transportation expenses | |
| Coverage For You – Benefit Provisions | |
| Plan | Backroads Plan |
| Accident & Sickness Medical Expense due to: | |
| Injury or Sickness occurring during the trip | |
| Pre-Existing Medical Conditions | |
| Required time period for purchase | At or before the final payment due date for Your Trip |
| Accident & Sickness Medical Expense reimburses: | |
| On a Primary or Excess Basis |
Excess (On trip expenses) |
| Services of a physician; prescribed drugs, prosthetics and therapeutic services/supplies | |
| Hospital services | |
| Ambulance transportation to and/or from a hospital | |
| Medical Evacuation due to: | |
| Injury or Sickness when appropriate care, treatment or facilities are not available locally | |
| Medical Evacuation reimburses: | |
| Medically required transportation expenses to a Hospital for care and treatment or home | |
| Transportation expenses to return an unattended dependent home due to a hospitalization |
(More than 7 days) |
| Transportation expenses for a bedside visit when hospitalized |
(More than 7 days) |
| Return of Remains due to: | |
| Death occurring during a trip | |
| Return of Remains reimburses: | |
| Transportation and preparation expenses for return of remains home | |
| Non-Medical Emergency Evacuation due to: | |
| Natural disaster, civil, military or political unrest | |
| Being expelled or declared a person non-grata by a country | |
| Non-Medical Emergency Evacuation reimburses: | |
| Transportation expenses to the nearest place of safety or to your home | |
| Coverage For Your Belongings – Benefit Provisions | |
| Plan | Backroads Plan |
| Baggage & Personal Effects loss or damage due to: | |
| Loss, theft or damage | |
| Baggage & Personal Effects reimburses: | |
| Cost to replace clothing and other personal articles | |
| Cost to replace lost/stolen passports or visas | |
| Maximum Sublimit for loss to jewelry, furs, cameras & accessories, etc. | $600 |
| Per Article Maximum Limit | $300 |
| Baggage Delay due to: | |
| Misdirection by a Common Carrier | |
| Baggage Delay reimburses: | |
| Cost of necessary personal items purchased during the delay | |
| 24 Hour Worldwide Assistance Services | |
| Plan | Backroads Plan |
| 24 Hour Medical Assistance Services: | |
| 24 Hour Emergency Medical Hotline | |
| Medical consultation and monitoring when you are hospitalized | |
| Coordinate medical evacuation arrangements | |
| Help with replacing lost/stolen prescriptions | |
| Help arranging for return of remains | |
| Nurse Helpline for general health information before and during your trip | |
| 24 Hour Travel Assistance Services | |
| Sending emergency messages to friends, family or business associates | |
| Language interpretation services | |
| Help with emergency cash transfers | |
| Passport/Visa, vaccinations, & travel health Information | |
| Help with replacing lost/stolen tickets or travel documents | |
| 24 Hour Concierge Services | |
| Restaurant and shopping recommendations or reservations | |
| Local transport, reservations, sports, theatre, & event information/ticketing | |
| Golf course referrals & tee times | |
| Baggage tracking/assistance | |
| 24 Hour Business Assistance Services | |
| Assistance with emergency communications | |
| Assistance with locating available business services | |
| Telephone or web conference assistance | |
| Information about weather conditions, travel delays & flight status | |
| Emergency travel arrangements | |
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Backroads Plan
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