MH Ross Advantage Complete

The MH Ross Advantage Complete plan offers the highest limits of coverage of the four plans available from MH Ross. Also unlike the other plans, Advantage Complete offers a broad range of covered reasons for trip cancellation and trip interruption.

Under trip cancellation there is hurricane warning coverage, which is beneficial if you will be traveling during hurricane season and have to cancel within 24 hours of the scheduled departure date due to your destination being under a hurricane warning issued by the NOAA National Hurricane Center. This coverage allows you more flexibility as you can cancel your trip if your destination is under a hurricane warning, and you don't feel comfortable traveling. This coverage goes into effect 14 days after your plan effective date.

This plan also offers Cancel for Any Reason, which allows you to cancel your trip up to two days prior to the scheduled departure date for something other than a covered reason. Reimbursement under Cancel for Any Reason is up to 75% of your pre-paid, non-refundable trip cost. This coverage is time sensitive and must be purchased within 15 days of your initial trip payment (and all other eligibility requirements must be met).

On top of these coverages to protect your monetary investment, this plan also offers standard comprehensive travel insurance benefits for baggage protection, travel delay, medical, emergency medical evacuation and Accidental Death & Dismemberment. The plan also includes non-medical emergency evacuation benefits.

You can add a few optional benefits to this plan, to customize it to your needs. Extra coverage for your personal property, expanding your baggage protection coverage is available. Also you can add rental car collision coverage and sports activity coverage. The sports activity coverage will help to expand the covered reasons for medical coverage if injured while taking part in a listed sports activity.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Protect your trip with cancellation, interruption, delay and medical benefits.

Highlighted Coverages

Trip Cancellation
Trip Interruption
Pre-Existing Condition Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
AM Best Rating
Years in Business

Trip Protection

Trip Cancellation
Trip Interruption
Financial Default
Terrorism in Itinerary City
Interrupt for Any Reason
Supplier Default


Medical Limit
Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period

Accidental Death

24-Hr Full Coverage
Common Carrier
Included in Accidental Death 24-Hour


Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages
Extended Personal Property Pac
Extended Personal Property Pac (+$)

Sports Upgrade Pac
Sports Upgrade Pac (+$)

Your Quote

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Ratings and reviews

Our customers rate the M.H. Ross Advantage Complete on our site
(4.47) of 5
on average based on 52 reviews.
A.M. Best Rating
Better Business Bureau Rating
The premium was almost double that charged for similar coverage for a trip to Turkey last September.
Ira G.
Although I didn't have to use the plan or file any claims, having the comprehensive coverage gave me the peace of mind for a worry-free trip.
Casey W.
I have an MBA and a lot of contract law experience. I can only speak to one area of the policies major flaw. Coverage for baggage loss or theft internationally. The policy requires a "written report" of the loss of your baggage. Sounds easy? It isn't, especially, when A) you do not have a clear definition of what the report needs to contain and B) they expect it to almost come to you as if you were in America. Imagine being in ANY foreign country, China, Iran, Jamaica, South America and your items are stolen. You need a police report. Can you file it while your there? Was there a riot? trouble? When you get home can you figure out how to file the report? Including the language barriers, time differences, the international calls and the insane amount of time you spend doing this. Foreign Countries aren't jumping up and down to spend money to help you get a report for an insurance company. At no time have I received a definition of what a "written report" exactly is and that is applicable fairly and equally across all foreign destinations. So buyer beware. If you've been denied, seek counsel.
Deirdre G.
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