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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 |
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 | |
Backroads Plan
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