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Travel Rite Annual Insurance
Travel Rite Annual Insurance is a popular travel insurance plan that provides annual travel insurance coverage for a range of travel associated risks. The maximum trip length for any trip cannot exceed 90 days.
| Policy Maximum |
Travel Rite Annual Insurance provides Policy Maximums as follows:
- $10,000 - Medical Expense
- $100,000 - Emergency Medical Transportation
- $150 - Baggage Delay
- $300 - Travel Document Protection
- $200 - Pet Care Home Alone
- $150 - Hotel Overbooking
- $200 - Credit Card Protection (max. $50 per card)
- $25,000 - Renter's Collision Insurance
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| Deductible |
$500 applicable to renter's collision insurance |
| Co-insurance |
- Outside the U.S. and Canada:
For the Certificate Period, Travel Rite Annual Insurance will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
- In USA:
For the Certificate Period, Travel Rite Annual Insurance will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
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| Coverage Options |
There is the Optional Coverage for Annual aggregate Trip Cancellation & Interruption ($1,000 maximum) or Per Trip Cancellation & Interruption ($2,500 maximum) |
| Plan Life |
The policy covers all Trips of up to 90 days in length during the annual enrollment period. |
| Underwriter |
Travel Rite Annual Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh |
| Claims Administrator |
Travel Rite Annual Insurance is administered Travel Guard®, Inc. |
Eligibility:
Persons eligible for insurance under the policy are any traveler(s) who makes enrollment for coverage and pays the Premium providing they have not already departed on their trip.
Effective Date: Coverage begins on the latest of:
(a) the date the premium is paid; or
(b) the date and time the Insured starts a Trip, provided the premium is paid;
(c) a scheduled Contracted Departure Date, provided the premium is paid.
Termination Date: Coverage ends on the earliest of:
(a) the date a Trip is completed;
(b) a scheduled Contracted Return Date;
(c) the Insured's arrival at the Return Destination on a round Trip or the Destination on a one-way Trip;
(d) cancellation of any Trip covered under the policy.
Plan Benefits:
Travel Rite Annual Insurance offers a broad range of benefits including:
- Medical Expense
- Emergency Medical Transportation
- Baggage Delay
- Travel Document Protection
- Pet Care Home Alone
- Hotel Overbooking
- Credit Card Protection (max. $50 per card)
- Renter's Collision Insurance
- Travel Medical Advisories
- Emergency Medical Transportation
- Repatriation of Remains
- Lost Passport/Travel Documents
- Emergency Prescription Replacement
- Medical Referral
- Medical Case Monitoring
- Emergency Message Relay
- Emergency Claims Assistance
- Referral to Embassy or Consulate
- Legal Referrals
- Emergency Cash Transfer
- Translation or Interpretation Service
- LiveTravel®
- Bag Trak®
Remarks:
- PPO Network: 24/7 Medical referrals are available to all members.
- Renewal: Annual coverage terminates 365 days following the policy effective date. Coverage is valid for any travel 100 miles or more from their primary residence (not applicable to Trip Cancellation and interruption coverage). A new application is required after termination.
- Cancellation: If you are not completely satisfied, you can receive a refund of the cost. Requests must be submitted to Travel Guard in writing within 15 days of the effective date of the coverage, provided it is not past the original departure date.
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