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Travel Insurance

Coverage Overview


Below is a brief overview of the important features of our Travel Insurance plans. For a more detailed description of the terms and conditions of coverage please refer to a Dennis J Miller Consulting Travel Professtional. Benefit amounts shown below are maximum limits per person. Coverage may not be available in all states or certain terms may be different where required by state law.

  Essentials Choice
Trip Cancellation 100% of Trip Costs
($100,000 maximum)
100% of Trip Costs
($100,000 maximum)
Trip Interruption 150% of Trip Costs
($150,000 maximum)
150% of Trip Costs
($150,000 maximum)
Trip Interruption – Return Air $750 $1,000
Trip Delay $750 ($150 per day) $1,000 ($200 per day)
Missed Connection $250 $500
Baggage & Personal Effects $1,000 $2,500
Baggage Delay $300 $500
Accident & Sickness Medical $50,000 $100,000
Emergency Evacuation & Repatriation of Remains $500,000 $1,000,000
Accidental Death & Dismemberment $10,000 $50,000
Assistance Services Included Included
Additional Benefits:
The following benefits are automatically included when insurance is purchased within 15 days of initial Trip deposit
Pre-Existing Medical Condition Exclusion Waiver Included Included
Trip Cancellation/Interruption due to Financial Default Included Included
Medical Expense (Primary) Included Included
Baggage and Personal Effects (Primary) N/A Included
Missed Connection Additional $250 N/A
Flight Accident $50,000 N/A

 

Description of Benefits

 
  • Trip Cancellation - Reimburses forfeited pre-paid trip costs up to the maximum limit shown in the schedule of benefits for trips that are cancelled due to a covered unforeseen event prior to the scheduled departure date.
  • Trip Interruption -Reimburses the unused portion of non-refundable pre-paid trip costs and any additional covered transportation expenses incurred up to the maximum limit shown in the schedule of benefits.
  • Trip Interruption Return Air Only - Reimburses for the additional transportation expenses incurred to reach the
    return destination for trip interruptions.
  • Trip Delay - Reimburses for reasonable additional expenses incurred until travel becomes possible to the originally scheduled destination, if your trip is delayed 5 or more consecutive hours because of a covered unforeseen event.
  • Missed Connection - Reimburses for unused, pre-paid, non-refundable trip payments or additional transportation expenses incurred if you miss a trip departure because of a cancellation or delay of 3 or more hours due to inclement weather or a common carrier caused delay.
  • Baggage & Personal Effects - Reimburses for loss, theft, or damage to your baggage, personal effects, passports, travel documents, credit cards, and visas during a trip.
  • Baggage Delay - Reimburses for the purchase of necessary personal effects if your baggage is delayed or misdirected by the common carrier for more than 12 hours while on a trip.
  • Accident & Sickness Medical Expense - Pays a benefit for reasonable and customary charges if you suffer an injury or sickness requiring you to be treated by a physician while on a trip and will reimburse for medically necessary covered expenses incurred to treat an injury or sickness within 365 days of the date of the injury or sickness. The injury or sickness must first begin while on an overnight trip with a destination of at least 100 miles from your primary residence. 
  • Emergency Evacuation & Repatriation of Remains - Covers the evacuation and transportation to the nearestadequate licensed medical facility, if ordered by the onsite physician. In the case of death, covers expenses for returning home. Trip must be overnight and destination must be at least 100 miles from your primary residence.
  • Accidental Death & Dismemberment - Pays if, within 365 days of an accident, loss of life, limb or eye sight occurs. 
 
Additional Benefits- If purchased within 15 days of trip purchase 
 
  • Pre-Existing Medical Condition Exclusion Waiver – Removes the policy exclusion on pre-existing medical conditions. You must be medically able to travel when this insurance is purchased. This coverage applies only if you have insured the full cost of all prepaid, non-refundable cost associated with your Trip. 
  • Trip Cancellation/Interruption due to Financial Default – Covers trip cancellation/interruption due to the financial default of an airline, cruise line, or tour operator. 
  • Accident & Sickness – Coverage becomes Primary.
  • Baggage & Personal Effects – Coverage becomes Primary.
 
Optional Coverage - If selected by the Applicant and the required premium is paid 
 
  • Cancel for Any Reason – Reimburses 75% of the prepaid, forfeited, non-refundable payments or deposits for trip arrangements if you cancel your trip for any reason. You must cancel your trip at least 48 hours prior to your departure date. This optional benefit must be purchased with the base plan or within 15 days of your trip purchase. This coverage applies only if you have insured the full cost of all prepaid, non-refundable cost associated with your Trip. 
  • Medical Coverage Upgrade – Upgrades your Accident and Sickness Medical Expense maximum limit to $150,000, and includes emergency evacuation to your hospital of choice and bedside visit benefits. 
  • Flight Accident – Provides accidental death & dismemberment coverage, to a maximum of your choosing between $100,000 and $500,000, while traveling on a regularly scheduled airline or charter. 
  • Car Rental Collision Coverage – If your rental vehicle is damaged on a trip, a maximum of $35,000 ($250 deductible) will be paid towards the repair or reimbursement of the vehicle. 
 
Assistance Services Provides the following services: 
  1. Medical Assistance 
  2. Personal Assistance
  3. Travel Assistance
  4. Security Assistance
  5. Concierge Services
 
Exclusions
 
This plan does not cover any loss caused by or resulting from intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Family Member, Traveling Companion or Business Partner while sane or insane; Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, or elective abortion of the Insured, a Traveling Companion or a Family Member; participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; mountaineering where ropes or guides are normally used. The ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring equipment; war or act of war, whether declared or not, participation in a civil disorder, riot, or insurrection; operating or learning to operate any aircraft, as student, pilot, or crew; air travel on any air-supported device, other than a regularly scheduled airline or air charter company; commission of or attempt to commit a felony by the Insured; Mental, Nervous or Psychological Disorder; if the Insured’s tickets do not contain specific travel dates (open tickets); being under the influence of drugs or narcotics, unless administered upon the advice of a Physician or intoxication above the legal limit; any Loss that occurs at a time when this coverage is not in effect; traveling for the purpose of securing medical treatment; any Trip taken outside the advice of a Physician; PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 90 day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines. Additional exclusions apply to specific benefits. Please review your Policy or Certificate of Insurance to see the additional exclusions that apply to your plan of benefits.