All of our clients have the opportunity to purchase Trip Cancellation & Interruption Insurance. We offer policies through Travel Guard. Our preferred coverage level provides our clients coverage for trip cancellation & interruption, trip delay, missed connections, baggage & personal effects loss, baggage delay, medical expense, and more. Extra coverage for pre-existing conditions, medical upgrades, and cancel for any reason policies are also available.

The GOLD PLAN offers:
- Optional Cancel for Any Reason coverage
- Trip Cancellation Due to Work Reasons coverage included in base plan
- Includes Trip Cancellation coverage due to involuntary job loss.
- Enhances Emergency evacuation benefits.
- Children age 17 & under covered at no additional cost. (Must be related to and traveling with the primary insured.)
- Optional Medical Evacuation to the hospital of your choice or home (with the purchase of Emergency Evacuation Upgrade)


Because unforeseen circumstances may arise, we strongly recommend you purchase this Gold plan. Coverage may be purchased any time up to 24 hours before departure. The Gold plan includes the following coverages**:

**Insurance coverage subject to the limitations, exclusions, terms and conditions of the policy.
Trip Cost: Trip Cancellation
Covers you if you cancel your trip due to a covered reason.

150% of Trip Cost: Trip Interruption†
Covers you if you interrupt your trip due to a covered reason.

 $750: Trip Interruption - Return Air Only†
Reimburses the additional airline transportation expenses incurred by you to reach the return destination.

$750: Trip Delay
Reimburses up to $150 a day for reasonable, additional expenses for meals, accommodations, taxi fares, and essential phone calls, if your trip is delayed for more than 5 hours due to covered reasons.
 
$250: Missed Connection
Reimburses you if inclement weather or common carrier causes cancellation or a delay of regularly scheduled airline flights for three or more hours to your point of departure.

$1,000: Baggage & Personal Effects
Can reimburse you if your baggage is lost, stolen, or damaged while on your trip.

$300: Baggage Delay
If your baggage is delayed more than 12 hours, you can be reimbursed for the purchase of necessary personal effects.

$25,000: Medical Expense
Reimburses for emergency medical expenses incurred while on a trip.   

$500,000: Emergency Evacuation & Repatriation of Remains
Covers evacuation and transportation as directed by a physician to the nearest adequate medical facility, (home in the event of death or if medically required). $10,000 Accidental Death & Dismemberment Pays for loss of life or limb if it occurs within 365 days of an accident during your trip.


24/7 WORLDWIDE ASSISTANCE SERVICES*:
Travel Medical Assistance*
A menu of services available for emergency medical requests, including prescription replacement, physician referrals, medical evacuations, and more. LiveTravel Emergency Assistance*
Dedicated LiveTravel counselors available to help with any travel request, including flight or hotel rebookings, rental car reservations, roadside assistance, and more.

Worldwide Travel Assistance*
Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; assisting with emergency cash transfers; pre-trip travel advice; inoculation information; and more. Concierge Services*
Whatever you need, whenever, wherever you need it, you can call on your own personal assistant to help.  Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more.  You need it, we'll find it for you.

Identity Theft Restoration Services*
If your identity is stolen during your Trip, our emergency travel counselors will assist in contacting your credit card companies, monitoring your credit report and working with local authorities to help you restore your identity.

Business Assistant*
You'll also have access to an array of services to help make short work of your business obligations, so you can enjoy your vacation.

*Non-insurance services are provided by Travel Guard. †Coverage for Trip Interruption and Trip Interruption-Return Air Only cannot be combined.

When you purchase the Gold travel insurance plan within 15 days of making your initial trip payment, you also receive: 
Coverage due to cruise line, airline, or tour operator default. (Financial default is not covered for all suppliers.) Coverage if pre-existing medical conditions force you to cancel or interrupt a trip. Applies to the first $30,000 of trip cost per person. (Limitations apply.)

Missed Connection Benefit increase to $500. $50,000 in Flight Guard® (This coverage is added to any additional Flight Guard that is purchased.)

** Day one is the date the trip payment is received.

Optional Coverages Flight Guard
Coverage limit up to $500,000 for accidental death or dismemberment that occurs while flying.

$35,000: Car Rental Collision Coverage
$35,000 in primary coverage! Covers cost of repairs for physical damage due to covered reasons to a rental car, up to the limit of coverage, for which the car rental contract holds you responsible.

Emergency Evacuation Upgrade
A valuable addition to increase your coverage limits. Your Emergency Evacuation benefits will double. Includes Emergency Evacuation to the adequate licensed medical facility of the insured's choice.

Cancel For Any Reason: The insurer will reimburse 50% of prepaid, non-refundable expenses if you cancel your trip for any reason, up to 48 hours prior to your departure. (Can only be purchased at the time the base plan is purchased and within 15 days of initial trip payment. Coverage must be purchased for the full cost of all prepaid, non-refundable trip arrangements.)

* Optional coverages cannot be purchased separately.