The Atlas Enterprise plan, underwritten by Nationwide Mutual Insurance Company, offers the highest coverage limits of the comprehensive plans offered by Tokio Marine HCC. This plan also offers optional benefits, so you can tailor your coverage to best fit your needs. One available option, if all eligibility requirements are met, is Cancel For Any Reason coverage which offers reimbursement up to 75% of your non-refundable trip cost, and allows you to cancel your trip at least two days before departure for something other than a covered reason. This plan does offer a generous number of covered reasons which enable you to cancel your trip and receive full reimbursement of your insured trip cost, but what if something happens that is not on the list of covered perils? Cancel For Any Reason will at least allow you to recoup most of your money, rather than losing it all.
Since this is a comprehensive plan, it also offers other post-departure benefits as well. Some of these benefits are trip interruption, travel delay, baggage loss and delay, emergency medical, and emergency medical evacuation. Another benefit of this plan is that the medical benefits are primary, meaning that you do not have to submit claims through your health coverage first. This could mean less hassle in the event of a claim.
Finally, this plan does offer some unique coverages that are available to residents of most states. For those that have to board pets while traveling, there is coverage if you are delayed on your return home for a covered reason and you incur additional expenses due to boarding your pet for additional days. Also, you may be able to cancel or interrupt your trip if the CDC issues a travel warning for your destination for a period that is during your trip.
Everyone wants their travel plans to go off without a hitch, but having a plan with primary coverage that offers high limits of reimbursement can make things easier in the event there is a hiccup along the way.