Generali Global Assistance Preferred

If you are looking for a travel insurance plan that offers more coverage and higher benefit limits—particularly in terms of medical benefits—than a basic plan, but at a lower price point than a high-end program, the Preferred plan from Generali Global Assistance could be your best bet.

This popular plan includes all of the same coverages as the Standard plan, plus specific coverages for sporting equipment and sporting equipment delay—ideal for skiers, golfers, snorkelers and more, as well as Accidental Death & Dismemberment – Travel Accident if you are injured in an accident while on your trip. The plan also boasts higher benefit limits on coverages compared to what is available with the Standard plan, such as trip interruption up to 150% of the total trip cost insured; $1500 of Baggage protection per plan holder; and $150,000 of medical and dental per plan holder.

In addition, if you purchase the Preferred plan prior to or within 24 hours of your final trip payment, you can get coverage for financial insolvency, meaning the plan can reimburse you in case you are forced to cancel or interrupt your trip if one of your travel suppliers (airline, cruise line or tour operator) discontinues operations due to insolvency, with or without filing bankruptcy.

Last, but not least, this plan comes with a variety of services designed to help you get the most from your vacation and give you a little extra peace of mind. For example, On Demand Medical Care can instantly connect you with a network of physicians for information, advice, and treatment through a service called Teladoc. And with No Out-of-Pocket Medical, you can receive payment reimbursement up to $1,000 for acute treatments from a trusted provider if you get sick or injured while traveling. Please note that Teladoc services may not be available in all states and international services may be limited.

Travel insurance coverages are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231, for the operating name used in certain states, please see Important Disclosures.

Generali Global Assistance Standard

If you are looking for a cost-effective way to protect your travel investment, the Generali Global Assistance Standard plan may be your solution. Like most diversified plans, it offers trip cancellation and trip interruption coverage if you have to cancel or interrupt your trip for one of the listed covered reasons in the plan.

Another excellent benefit of this plan is Missed Connection Coverage, which can help in the event that you miss your cruise or tour departure. If your cruise leaves without you, due to a cancellation or delay of three or more hours of your scheduled airline flight because of adverse weather, Missed Connection Coverage can reimburse you for additional expenses to catch up with your trip.

Along with other valuable coverages (travel delay, medical and dental, baggage and emergency assistance and transportation), this plan offers a broad range of concierge services. Informational services are available and can give you reports on health advisories and social customs at your destination.

They can help with arranging delivery of specialized food, schedule golf tee times, personalized retail shopping assistance, airline reservations and locating pet services. If there is a medical emergency during your trip and you are no longer able to take care of your pet, the assistance provider can arrange for your pet to be returned home. Whether you are traveling with a pet or not, you never know what is going to happen when you travel; Generali’s 24-hour hotline is there to help.

Travel insurance coverages are underwritten byGenerali U.S. Branch, New York, NY; NAIC # 11231, for the operating name used in certain states; please see Important Disclosures. Important Disclosures

Berkshire Hathaway Travel Protection ExactCare Value

Berkshire Hathaway Travel Protection’s ExactCare® Value™ plan is a great choice, especially when traveling in the United States. Your vacation can be protected should something unforeseen cause you to have to cancel your trip. This plan has many covered reasons for trip cancellation and trip interruption, including terrorist activities, named hurricanes, and strikes.

You may be eligible for the pre-existing conditions waiver and financial default coverage if this plan is purchased within 15 days of your first trip payment, among other requirements.

For most states, there is a 15 day look period in which you can review the plan and cancel if you think the plan actually isn’t the right one for you.

Coverage may vary by state.

Berkshire Hathaway Travel Protection ExactCare

ExactCare® from Berkshire Hathaway Travel Protection offers a higher level of coverage than the ExactCare® Value plan. It includes excellent comprehensive benefits such as trip cancellation, trip interruption, baggage protection, travel delay, emergency medical, and emergency medical evacuation. ExactCare’s many covered reasons for trip cancellation and trip interruption are detailed in the state-specific policy.

Other additional benefits are included if you purchase the plan within 15 days of first trip payment such as pre-existing condition waiver and financial default coverage (for trip cancellation and trip interruption).

Coverage may vary by state.

AXA Assistance USA Platinum

The AXA Assistance USA Platinum plan is everything the Gold is – and a little bit more. While you have all the standard comprehensive benefits you’d expect, such as trip cancellation, baggage protection, and trip delay; you also have optional add-ons such as Cancel for Any Reason and rental car collision protection. You will have to check with your rental car company to see if they will accept this type of insurance before adding it on to your plan.

For the athletic travelers, this plan includes coverage for lost golf rounds, lost skier days, and sports equipment rental. Details about these coverages can be found in the full plan certificate. The AXA Assistance USA Platinum plan also includes natural disaster or man-made disaster coverage that provides possible reimbursement if your primary residence or accommodations at your destination becomes uninhabitable and bankruptcy coverage for the financial default of your travel suppliers.

Like the other AXA plans, the Platinum includes Travel Assistance Services, which include Medical Repatriation and Political and Security Emergency Evacuation. AXA also includes their “White-Glove” Concierge Services which contains services such as, restaurant and hotel referrals and reservations, Entertainment information and ticketing, golf course information for referrals and tee times, luxury rental information, and so much more.

AXA Assistance USA Gold

The AXA Assistance USA Gold plan is a comprehensive travel insurance plan. You have all the standard comprehensive benefits you’d expect, such as trip cancellation, baggage protection, and trip delay. The plan also includes the option to add on a Collision Damage Waiver for Rental Car coverage up to $35,000. You will have to check with your rental car company to see if they will accept this type of insurance before adding it on to your plan.

Much like other comprehensive plans, the Gold plan has reimbursement limits for covered travel delays and missed connections for cruise and land tours. You can find the list of covered reasons for each benefit in the full plan certificate. This plan also includes emergency medical reimbursement and emergency medical evacuation if deemed necessary by the attending doctor. If the traveler is eligible, a waiver can be added to the plan to remove the pre-existing condition exclusion. This is a time-sensitive benefit, meaning you must be purchasing the plan within 14 days after making your initial trip payment to be eligible, among other requirements that can be found in the full certificate.

Unlike many comprehensive plans, the Gold plan also provides many benefits with AXA’s 24/7 Worldwide Travel Assistance Services. The Assistance Services also include Medical Repatriation, Urgent Message Relay, Legal Referrals, Lost Document Assistance, and so on. The full list of services can be found in the plan details.