Travel Guard Platinum Insurance (Cruise Tour & Travel Insurance)
Cruise Tour & Travel is a popular travel insurance plan for US citizens traveling overseas. It provides coverage for trip interruption, missed connections, baggage loss/delay, medical expenses, emergency medical transportation, accidental death and dismemberment, car rental collision coverage as well as 24 hour travel assistance. The plan offers valuable upgrades like Evacuation to hospital of your choice, Cancel for any reason coverage, Cancel for work reasons.
| Policy Maximum |
Cruise Tour & Travel Insurance provides Policy Maximums as follows:
- $1,000 or 150% of Trip Cost Trip Interruption - Return Air Only
- $1,000 Trip Delay
- $500 Missed Connection
- $2,500 Baggage & Personal Effects Benefit
- $500 Baggage Delay Benefit
- $50,000 Medical Expense Benefit
- $1,000,000 Emergency Medical Transportation
- $50,000 Accidental Death & Dismemberment up to $500,000) Flight Guard®
- $35,000 Car Rental Collision Coverage
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| Deductible |
$250 applicable to the car rental collision coverage. No deductible for other benefits. |
| Co-insurance |
- Outside the U.S. and Canada:
For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
- In USA:
For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
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| Coverage Options |
Several optional coverage options are available: Cancel for any reason, Cancel for work reasons, Umbrella package that includes transport to hospital of your choice, car rental collision coverage, Flight Accident coverage |
| Plan Life |
Coverage is available for trips less than 30 days |
| Underwriter |
Cruise Tour & Travel Insurance is underwritten by National Union Fire Insurance Company of Pittsburg. |
| Claims Administrator |
Cruise Tour & Travel Insurance is administered by Travel Guard® and by Mercury Claims Administrator Services, LLC in the state of California. |
Eligibility:
Coverage must be purchased at least 24 hours prior to departure. Extra coverage is available if plan is purchased within 15 days of making the initial trip deposit. Travel to sanctioned countries is not covered under the plan.
Plan Benefits:
Cruise Tour & Travel Insurance offers a broad range of benefits including:
- Reimburses pre-paid nonrefundable expenses if you must cancel or interrupt your trip due to unforeseen
- Reimburses for missed connections up to the Maximum Limit shown on the Schedule of Benefits if inclement weather or common carrier causes cancellation or a delay of regularly scheduled airline flights for three to less than five hours to your point of departure
- Reimburses for loss, theft, or damage to your luggage and possessions, even if borrowed or rented. Covers loss of all passports, visas, and unauthorized use of credit cards if you have complied with the credit card conditions, subject to the Maximum Benefit.
- If your baggage is delayed more than 24 hours while on a trip, you will be reimbursed for the purchase of essential items, subject to the Maximum Benefit
- Pays medical expenses within one year of any injury or Sickness occurring on the trip provided initial treatment was received during the trip.
- 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).
- Pays for loss of life or limb if it occurs within 365 days of an accident during your trip.
- Coverage for accidental death or dismemberment that occur when traveling on a regularly scheduled flight or charter, subject to the Maximum
- Subject to a $250 deductible. Covers collision damage to a rental car for which the car rental contract would hold you responsible.
- Coverage includes 24-hour emergency travel assistance services - your personal "911" hotline when you travel.
Remarks:
- PPO Network: Coverage includes 24/7 emergency travel assistance services to locate English speaking medical services and facilities throughout the world and to coordinate medical evacuations.
- Renewal: Coverage available for trips not exceeding 30 days. All coverage except trip cancellation will be extended up to a maximum of 7 days if the return trip is postponed for a covered reason.
- Cancellation: Refunds less an administrative processing fee can be given if a written request is received within 15 days of effective date of the plan as long as it is not past the departure date.
- Brochures:
- Please click here to view Cruise Tour Travel Insurance Brochure for NY
- Please click here to view Cruise Tour Travel Insurance Brochure for FL PA WA
- Application Forms:
- Please click here to view Cruise Tour Travel Insurance application form for all other states
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