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How does bcaa travel insurance work if i already have coverage with my credit card or health care plan, bcaa travel insurance works in coordination with other benefits you have from another insurer. you can also purchase a "top up" plan if you are looking to extend the amount of days you have covered from another plan. feb 10, 2023 • knowledge.

Both credit card and health care plan policies may not cover all your travel needs or have specific stipulations. For example, some credit cards require that you pay for the full cost of your trip with the card. They may also penalize you if you don’t call the claims company right after an emergency or before you visit the hospital. Additionally, if you decide to extend your trip, some credit card plans won’t allow a mid-trip extension, which BCAA can take care of, as long as you’re eligible.

You also want to be sure your credit card plan comes with medical coverage, not just travel accident insurance. Accident insurance typically provides a lump sum payout for bodily injury or death, whereas travel emergency medical insurance covers you for hospital visits and other emergency treatments as a result of sickness or injury.

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Bcaa launches new, quick online guide to help air travellers know their rights.

BURNABY, BC , Feb. 27, 2024 /CNW/ - Today sees the launch of an easy-to-use online tool to help air travellers navigate the rules, their rights and compensation when they run into problems such as flight delays, cancellations, lost bags or getting bumped from a flight.

BCAA's Air Passenger Help Guide  at bcaa.com/travelhelp is available free to everyone and offers travellers a plain-language guide that answers questions about the most common flight disruptions. "Travel issues are complex, and the rules protecting air travellers are complicated, so we want to help," says BCAA travel insurance marketing manager Alana Udovicic . She points out that Canada's federal rules governing air passenger rights are complicated and hard to absorb quickly as they run to over 60 pages.

With spring break around the corner, more British Columbians are booking trips and hoping for smooth travels. Unfortunately, things don't always go as planned. According to a recent survey for BCAA, 66% of British Columbians say they or someone they know has experienced a flight disruption in the last two years. Unfortunately, 76% also admit to not being clear on their rights when air travel goes wrong.

Air travellers wondering what, if anything, their airline owes them should things go wrong can consult BCAA's new guide for quick help. BCAA encourages travellers to save the link on their phone as part of their trip preparation, so wherever they are, they can find out what they're due the moment something goes wrong. BCAA is also noticing an increase in people buying travel insurance as a way to bring peace of mind.

"Our goal is always to give travellers information, protection, and support right there 'in the moment'," Udovicic says. The new BCAA Air Passenger Help Guide is the latest initiative, and BCAA Travel insurance has just launched a new service offering more instant support by tracking customers' flights and immediately transferring money to them if a flight is delayed or baggage goes missing.

"We all hope for a smooth journey, but when something goes wrong, we want to be there to help with information and funds," Udovicic says. "We've had situations where our Travel Insurance customers have received a link to claim their cash before they even know their flight is delayed," she says. "When people are heading off on vacation they need a break – not a hassle."

Visit BCAA's Air Passenger Help Guide at bcaa.com/travelhelp

Learn about and buy BCAA Travel Insurance at bcaa.com/travel

About the survey

The survey results, conducted by Earnscliffe Strategies, are based on a poll of 2,503 Canadians, which included 375 British Columbians, carried out from October 20 to 30, 2023 . A probability sample of the same size would yield a margin of error of +/-2%.

Driven by its purpose to move British Columbians forward, BCAA (British Columbia Automobile Association) provides over 1 in 3 B .C. households with industry leading mobility and protection services including Membership, Insurance, Evo Car Share , and Auto Service. It is one of Canada's most trusted brands in association with CAA (Canadian Automobile Association) and a long-standing BC Top Employer (Mediacorp). BCAA invests to build stronger, connected communities across BC and holds itself accountable to its purpose by setting goals related to its impact on People, the Planet and Prosperity, and sharing results in its annual Impact Report .

SOURCE British Columbia Automobile Association (BCAA)

View original content: http://www.newswire.ca/en/releases/archive/February2024/27/c4454.html

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

9 Best Travel Insurance Companies of 2024

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• Travel Insurance

Best Cruise Insurance Plans

Best cruise insurance plans of june 2024.

Updated: Jun 10, 2024, 8:58am

Our analysis finds that WorldTrips, Nationwide and PrimeCover are the best cruise insurance companies.

If you need cruise insurance, you’ll want policies that provide generous coverage for medical expenses, trip interruption and trip cancellation at a good price. We scored 40 travel insurance policies on those factors to help you find top-notch options.

• Best Travel Insurance
• Best Travel Medical Insurance
• Best “Cancel For Any Reason” Travel Insurance
• Best Medical Insurance For Visitors
• Best Senior Travel Insurance

Compare & Buy Travel Insurance

Returning Home

Main Destination

Summary: Best Cruise Insurance Ratings

What is cruise insurance and how does it work, what does cruise insurance cover, how much does cruise insurance cost, where and when to buy cruise insurance, what are the travel insurance requirements of different cruise lines, is cruise insurance worth it, case study: cruise insurance saves the day, again, methodology, best cruise insurance frequently asked questions, how we chose the best cruise insurance.

We evaluated policies on cost and coverage for missed connections, trip interruption, trip cancellation, medical expenses and evacuation, and more. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.

• 40 travel insurance plans evaluated
• 1,560 coverage details analyzed
• 280 rates scored
• 102 years insurance experience on the editorial team

GREAT FOR ADD-ON COVERAGE

Top-scoring plan

Atlas Journey Premier

Average cost

Medical & evacuation limits per person

$150,000/$1 million

The Atlas Journey Premier policy stands out for its excellent missed connection coverage and medical evacuation benefits. We also picked it because of its wide range of add-on benefits. These include “cancel for any reason,” “interruption for any reason” and extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment, and more.

More:   WorldTrips Travel Insurance Review

• One of the lowest average costs among top-rated policies evaluated.
• Very good travel delay benefits of $2,000 per person after only 5 hours.
• Excellent missed connection coverage of $2,000 per person after 3 hours.
• Medical coverage level is low compared to some competitors evaluated.
• Baggage delay benefits have a 12-hour waiting period.

Here’s a look at top coverage types that are included in the WorldTrips Atlas Journey Premier policy.

Also included:

• Travel inconvenience benefits of $750 for specified problems. These include if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.

Optional add-ons offered:

• Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
• Baggage insurance upgrade to $4,000 per person.
• “Cancel for any reason” and “interruption for any reason” coverage.
• Destination wedding coverage in case the wedding is canceled.
• Hunting and fishing coverage for equipment and cancellation due to government restrictions.
• Political or security evacuation benefits of $150,000 per person.
• Rental car theft and damage coverage of $50,000.
• School activities coverage if trip has to be canceled due a test, sporting event, etc.
• Vacation rental accommodations coverage of $500 if unclean or overbooked.

BEST FOR POLICY PERKS

Cruise Luxury

We recommend Nationwide’s Cruise Luxury plan because it provides an array of extensive benefits such as “interruption for any reason” and “cancel for work reasons.” Some competitors don’t offer any of those perks. We also like that it includes benefits for delays in your ship’s arrival to the next port of call, superior missed connection coverage and evacuation benefits—all at a decent price.

More:   Nationwide Travel Insurance Review

• Includes $25,000 in non-medical evacuation benefits.
• Pretty good baggage delay benefits of $1,000 per person.
• Good travel delay benefits of $1,000 per person covered after only a 6-hour delay.
• Medical coverage is lower than some other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 6- or 12-hour delay requirement.

Here’s a look at whether top coverage types are included in Nationwide’s Cruise Luxury policy.

• Coverage if the CDC issues a health warning at your destination.
• Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
• “Interruption for any reason” up to $1,000.
• Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.

Optional add-on offered:

• If you cancel two or more days prior to your departure for a reason not listed in the base policy, CFAR provides 75% compensation of your insured trip cost.

Best for Evacuation

$250,000/$1 million

The Luxe policy stood out in our analysis because it has superior benefit limits across the board. We also liked its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.

• You can buy a “cancel for any reason” upgrade within 21 days of your initial trip deposit, compared to 15 days for many other top-rated companies.
• Non-medical evacuation benefits of $100,000.
• Provides “hospital of choice” in its medical evacuation coverage, meaning you choose the medical facility rather than being transported to the nearest adequate treatment center.
• Top-notch trip interruption reimbursement of 200%, which is twice as much as many competitors.

More:   PrimeCover Travel Insurance Review

• Medical expense limits of $250,000 per person is great but some competitors provide twice as much travel medical insurance.

Here’s a look at whether top coverage types are included in the PrimeCover Luxe policy.

• Benefits of $300 for changing original travel arrangements, such as transferring airlines.
• Benefits of $500 for itinerary change.
• Benefits of $500 for lost golf fees and $150 lost ski/snowboard.
• Benefits of $1,500 for rental property damage liability.
• Benefits of $5,000 for search and rescue.
• Coverage of $1,000 for sports equipment rental.
• Travel inconvenience coverage of $100 each for closed attractions and flight diversions.

Optional add-on coverage includes:

• Choices of $100,000, $250,000 and $500,000 for AD&D flight-only coverage.
• “Cancel for any reason” upgrade.
• Increased coverage choices of $4,000 or $7,000 for trip delay.
• “Interruption for any reason” upgrade.
• Rental car damage coverage of $50,000.

BEST FOR MISSED CONNECTIONS

Travelsafe insurance.

Classic Plus Plan

$100,000/$1 million

We like TravelSafe’s Classic because it provides superior missed connection and evacuation benefits. It also has very good trip interruption and hurricane and weather coverage at a competitive price.

More:   TravelSafe Travel Insurance Review

• Provides coverage for non-medical evacuation at $25,000 per person.
• “Cancel for any reason” upgrade available.
• Excellent baggage loss coverage limits of $2,500 per person.
• $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
• Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Classic Plus policy.

• Compensates $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
• If your return home is delayed by 24 hours or more due to a reason covered in your policy, the policy includes $100 of pet kennel coverage.
• If your travel supplier makes a change that forces you to lose non-refundable costs for missed activities, you’re eligible for $250 per person for itinerary changes.
• Accidental death and dismemberment for flights, up to $500,000 per person.
• Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.
• “Cancel for any reason” coverage of 75% of lost trip costs.
• Up to $35,000 in rental car damage and theft.

BEST FOR BAGGAGE

Axa assistance usa.

AXA’s Platinum plan stood out in our analysis because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including non-medical evacuation coverage and baggage insurance.

More:   AXA Assistance USA Travel Insurance Review

• Generous medical and evacuation limits.
• Baggage loss coverage of $3,000 per person is among the highest of plans we reviewed.
• Provides excellent non-medical evacuation coverage of $100,000 per person.
• Travel delay and baggage coverage kicks in only after a 12-hour delay.
• “Interruption for any reason” upgrade not available.

Here’s a look at whether top coverage types are included in AXA’s Platinum policy.

• “Cancel for any reason” coverage.
• Lost golf rounds.
• Lost ski days.

GREAT FOR MEDICAL EXPENSE AND MEDICAL EVACUATION

Seven corners.

Trip Protection Choice

$500,000/$1 million

We like Seven Corners’ Trip Protection Choice plan because of its great upgrade options and excellent benefits. These include unrivaled medical coverage limits, non-medical evacuation and very good missed connection benefits.

More:   Seven Corners Travel Insurance Review

• Highest medical expenses and medical evacuation coverage limits among top-rated plans.
• “Cancel for any reason” and “interruption for any reason” upgrades available.
• Very good travel delay coverage of $2,000 per person.
• Includes $20,000 for non-medical evacuation.
• Hurricane and weather coverage has a 48-hour delay, compared to some competitors’ plans that require only 6-, 12- or 24-hour delays.

Here’s a look at whether top coverage types are included in the Seven Corners Trip Protection Choice policy.

• Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events.
• Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
• Coverage of $500 for pet kennel benefits if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
• Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.
• Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.
• Coverage of $35,000 for rental car damage.
• Golf and sports equipment rental coverage up to $5,000.
• “Interruption for any reason” coverage.

GREAT FOR PRICE

Trawick international.

Safe Travels First Class

We picked Trawick’s Safe Travels First Class policy because it provides solid benefits at a great average cost—it’s the fourth cheapest among the 12 top-rated plans we evaluated. We also like that it includes high medical evacuation limits and good missed connection coverage.

More:  Trawick Travel Insurance Review

• Offers “cancel for any reason” upgrade.
• Top-level medical evacuation coverage of $1 million.
• Excellent baggage loss coverage of $2,000 per person.
• Medical coverage is lower than most other top-rated plans but might be sufficient for your needs.

Here’s a look at whether top coverage types are included in Trawick’s Safe Travels First Class policy.

• Common carrier accidental death and dismemberment coverage of $25,000.
• Coverage for sports fees.
• Coverage of $50,000 for rental car damage.
• “Cancel for any reason” upgrade that allows you to recoup 75% of insured trip costs if you cancel at least 48 hours prior to departure.

BEST FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

Premium plan

Medical and evacuation limits per person

Generali’s Premium policy got our attention because of its very good benefits at a decent average price. We like the Premium policy’s generous time frame for getting coverage for pre-existing conditions, excellent trip interruption insurance and medical coverage. It also includes and includes generous benefits for rental car damage and accidental death.

More:   Generali Global Assistance Travel Insurance Review

• You can qualify for coverage of pre-existing medical conditions if you buy the policy prior to or within 24 hours of making your final trip payment, as opposed to a deadline of 10 to 20 days after making your first trip deposit, which is typical from top competitors.
• Excellent hurricane and weather coverage with no waiting period.
• Top-notch emergency evacuation coverage of $1 million per person.
• If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.

Here’s a look at whether top coverage types are included in the Generali Premium policy.

• Coverage of $52,000 for rental car theft and damage.
• Coverage of $2,000 for sporting equipment.
• Coverage of $500 for sporting equipment delay.
• “Cancel for any reason” upgrade that compensates you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

BEST FOR AD&D

John hancock insurance agency.

Average Cost

We recommend John Hancock’s Gold policy if you want a short travel delay waiting period and high medical and evacuation limits. The Gold plan also has the highest limits ($100,000) for accidental death and dismemberment of the plans we reviewed. It also stands out because it  includes very good trip interruption, baggage and missed connection coverage.

More:   John Hancock Travel Insurance Review

• Good missed connection coverage of $1,000 per person after 3-hour delay.
• Travel delay benefits kick in after only a 3-hour delay.
• Pricey among the plans we analyzed but you buy top-tier benefits.
• Baggage delay benefits require a 12-hour delay.

Here’s a look at whether top coverage types are included in the John Hancock Gold policy.

• Coverage for sports fees and equipment loss.
• Coverage of $200 for ticket change fees if delayed by one hour or more.

Optional add-ons:

• Coverage of $300,000 or $500,000 for flight-only accidental death and dismemberment.
• Rental car collision coverage of $50,000.
• “Cancel for any reason” upgrade providing 75% of insured trip costs if you cancel at least 48 hours before your departure.

GREAT FOR TRAVEL DELAY WAITING PERIOD

Usi affinity travel insurance services.

While pricing is higher than most other top plans, we chose USI’s Diamond plan for its solid range of top-level benefits, including first-rate medical and evacuation benefits and very good missed connection coverage. It also has a short waiting period for travel delays—six hours compared to 12 hours for some top-rated competitors.

More:   USI Affinity Travel Insurance Review

• Superior coverage levels for medical expenses and evacuation.
• Very good travel delay coverage of $1,500 per person.
• High baggage loss coverage of $2,500 per person.
• Baggage delay coverage is good at $500 per person but requires a 12-hour delay for benefits to start.
• Has the second-highest average cost among top-scoring plans.

Here’s a look at whether top coverage types are included in the USI Affinity Diamond policy.

• Rental car damage benefits of $1,000.
• Flight-only accidental death and dismemberment coverage of $10,000.
• “Cancel for any reason” upgrade providing reimbursement of 75% of prepaid, non-refundable trip costs if you cancel at least 48 hours before departure.

BEST FOR CUSTOMIZATION

Travel Guard Preferred

$50,000/$500,000

AIG’s Travel Guard Preferred plan is one of our favorites because it provides solid benefits at a very low average price. Optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades allow you to customize a policy to fit your needs.

Additionally, the Travel Guard Preferred plan includes benefits if (under certain conditions) you must start your trip earlier than planned—a feature not found in all policies.

More:   AIG Travel Insurance Review

• Provides up to $750 for “travel inconveniences,” such as flight delay to your return destination, runway delays and cruise diversions.
• Reimburses up to $2,500 for meals, accommodations and transportation if you must begin your trip earlier than scheduled due to inclement weather or common carrier changes.
• Very low travel medical insurance limits compared to other policies we evaluated, but you can increase coverage with an upgrade.
• Missed connection benefits of $1,000 are low compared to some competitors.

Here’s a look at whether top coverage types are included in AIG’s Travel Guard Preferred policy.

• Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
• Flight accidental death and dismemberment coverage of $100,000 per person.
• Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
• Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.
• Adventure Sports Bundle for adventure and extreme activities.
• Boarding and medical expenses for illness or injury of dog or cat while traveling is covered with the Pet Bundle. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
• “Cancel for any reason” upgrade that reimburses 50% of insured trip costs.
• Rental vehicle damage coverage of $50,000.
• Wedding Bundle to cover trip cancellation due to wedding cancellation. Note that brides and grooms are excluded from this benefit.
• You’re allowed to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption with the “Name Your Family” upgrade.

BEST FOR HURRICANE AND WEATHER

Hth worldwide.

TripProtector Preferred Plan

We were impressed byHTH’s TripProtector Preferred policy which is packed with luxury-level benefits and has a short waiting period for hurricane and weather. It also stands out for its superior medical and evacuation benefits and trip interruption coverage, but it also comes with a high average price.

More:   HTH Worldwide Travel Insurance Review

• Waiting period of only six hours for hurricane and weather, compared to most competitors that have 12 or 48.
• Excellent trip interruption coverage of 200% of the trip cost.
• Very good travel delay coverage of $2,000 per person after a 6-hour delay.
• Highest average cost among top-rated companies, but you’re getting robust benefits.
• Baggage delay coverage requires a 12-hour delay.

Here’s a look at whether top coverage types are included in the HTH Worldwide TripProtector Preferred policy.

• Coverage of $35,000 for rental car damage and theft.
• Coverage of $250 for pet medical expenses if your dog or cat traveling with you gets injured or sick during your trip.
• “Cancel for any reason” upgrade that compensates you 75% reimbursement of trip costs if you cancel at least two days prior to your scheduled departure.

Cruise insurance can be any travel insurance policy that has the coverage features you want. It does not have to be a travel insurance policy with “cruise” in the policy name.

Travel insurance for cruises works the same as standard travel insurance. You pay for a policy that compensates you for problems that can disrupt your cruise. It’s helpful to have missed connection coverage included in a cruise insurance policy, as the cost of catching up to a cruise can be significant.

Cruise insurance generally covers the following—up to your policy limits— if the expense is caused by a reason listed in your policy or not excluded from coverage:

Travel Medical Insurance

This pays for medical expenses associated with injuries and illness you get while on the trip. The top travel insurance plans have $500,000 in travel medical insurance , but you might find $150,000 to be sufficient for a cruise. If you’re a senior, good travel medical coverage is crucial.

U.S. health plans may have very limited or no coverage when you’re outside the U.S. And Medicare doesn’t cover medical care outside the U.S., with only very narrow exceptions .

Emergency Medical Evacuation Coverage

Medical evacuation travel insurance covers the costs to get you to the nearest adequate medical facility or even back home if it’s medically required. Your travel insurer’s emergency assistance team can also help arrange for the medevac.

Coverage for Pre-existing Medical Conditions

You can also get a pre-existing medical condition exclusion waiver if you buy coverage within a certain period, usually within 14 to 21 days of your initial trip deposit. This means medical expenses related to pre-existing conditions that arise during your trip will be covered.

Trip Cancellation Insurance

Trip cancellation insurance reimburses you 100% for the pre-paid and non-refundable deposits you lose if you have to cancel for a reason covered by the policy .

Trip Interruption Coverage

This will reimburse you for unused trip costs if your trip is cut short because of illness, injury, death, a family emergency back home or other reasons. Trip interruption insurance can also pay for the extra expenses of a trip interruption, such as a one-way plane ticket home on short notice. The reason for the interruption has to be listed in the policy.

“Cancel for Any Reason” (CFAR) Travel Insurance

Canceling for reasons that aren’t listed in the policy isn’t covered, unless you have already purchased a CFAR upgrade. This typically reimburses you 75% of trip costs, as long as you cancel at least 48 hours before your departure. Adding it increases a policy cost by an average of 50%.

For example, you could make a “cancel for any reason” claim if you’re worried about being seasick—a reason not covered by standard trip cancellation insurance. Buy this coverage shortly after you make your first trip deposit or the purchase window for it will close.

“Interruption for Any Reason” Travel Insurance

Cutting a trip short for reasons that aren’t listed in the policy aren’t covered, unless you have already purchased “interruption for any reason” travel insurance . This coverage typically reimburses you 75% of trip costs. It usually adds 3% to 10% to your travel insurance cost. You generally must buy it within 15 to 20 days of making your first trip deposit. Benefits don’t kick in until you are a specified amount of time into your trip, for example 48 or 72 hours.

Travel insurance companies currently offering “interruption for any reason” coverage include PrimeCover, Nationwide, Seven Corners, Travel Insured International and WorldTrips.

Additional Types of Travel Insurance for Cruises

A comprehensive travel insurance plan will package additional benefits such as travel delay insurance , baggage insurance and missed connection insurance .

The best travel insurance plans offer high levels of reimbursement and short waiting periods for benefits to go into effect when things go wrong. A travel insurance agent can help you match your concerns to the right travel insurance package.

A cruise travel insurance policy may also compensate you if your cruise ship is disabled and you’re stuck on board without power, food or water for a specified amount of time listed in your policy. For example, the WaveCare plan from Berkshire Hathaway Travel Protection provides a flat $500 reimbursement for cruise disablement if you’re stuck on the ship for five hours or more without one of these: power, food, water or a restroom.

Typically, cruise insurance also provides a 24/7 hotline for travel emergencies.

The average cost of cruise insurance is $453 per trip, based on our analysis of rates for 40 cruise travel insurance plans.

Cruise insurance costs will generally depend on your age and the cost and length of your trip. Below are examples of cruise insurance costs for the top-rated companies in our analysis.

You can buy cruise insurance from your cruise line, through a travel agent or from a travel insurance agent or company.

Although you can purchase a policy right up to your departure, there are advantages to buying travel insurance right after booking your trip . One is that you can maximize the length of your trip cancellation coverage. For example, if you buy a travel insurance policy three months before your departure and get seriously injured a week before you leave, you can file a trip cancellation claim.

Buying cruise insurance within the first two weeks or so of making your first trip deposit also qualifies you for additional coverage. This can include a pre-existing medical condition exclusion waiver or a “cancel for any reason” travel insurance (CFAR) upgrade, depending on the policy.

CFAR allows you to recoup 50% or 75% of your forfeited, non-refundable trip costs, depending on your policy. You must cancel at least 48 hours prior to your departure. CFAR increases your travel insurance cost by about 50%.

If the dates of your trip change, your travel insurance company should allow you to change the dates of your policy to match the new travel dates. You can also add items to your itinerary later—such as shore excursions—and then add them to your travel insurance coverage.

Cruise lines departing from the U.S. generally do not require travel insurance. But it’s a good idea to buy a policy that includes travel medical insurance and emergency evacuation insurance. That’s because U.S. health insurance is unlikely to cover you if you travel outside of the United States.

EXPERT TIPS

How to Get Travel Insurance for a Cruise

Penny Gusner

Insurance Senior Writer

Insurance Lead Editor

Michelle Megna

Ashlee Valentine

Insurance Editor

Les Masterson

Understand What Cruise Insurance Covers

I suggest you read sample policies online while you’re shopping around. You can learn the finer details and become familiar with how much you’ll be compensated for if you file a travel insurance claim. That way you won’t get any unpleasant surprises about what’s covered and what isn’t.

Assess Your Needs

I think it’s smart to think about your personal circumstances before you start shopping. For example, If you’re worried about a problem at home potentially escalating before or after your departure, you should look for policies that offer “cancel for any reason” and “interruption for any reason” upgrades.

Be Sure to Buy Travel Medical Insurance

I don’t think many people realize that cruise companies generally don’t accept your health insurance coverage if you get sick or injured while on your trip. Medicare Parts A and B may provide coverage in limited cases—for example, if you’re in a U.S. port or no more than six hours away from one. That’s why it’s important to buy travel medical insurance with ample benefits when you purchase a policy for a cruise.

Annual Plan for Frequent Travelers

My advice for those planning on taking multiple trips is to consider an annual travel insurance plan . It’s more affordable than buying multiple policies during one year and all your trips will be covered.

Compare Cruise Insurance Policies

I recommend shopping around and comparing policies from multiple travel insurance companies. The price can vary from one company to another for similar benefits.

Cruise insurance is worth it if you don’t want to risk losing the non-refundable money you invested in your trip if the unexpected happens. For example, let’s say you missed the boat. Cruise insurance can pay for you to rejoin the cruise if you can’t board on time because of an issue covered by the policy, such as severe weather.

The average cost of travel insurance is 5% to 6% of your trip cost, according to our analysis of travel insurance rates. That means cruise insurance might be worth it if:

• Your non-refundable trip costs are much more than you can afford to lose.
• You are traveling internationally and your U.S. health plan has limited coverage abroad.
• You are traveling to a remote area with limited health care facilities and want insurance that will pay for medical transportation to an adequate medical facility.
• You are traveling to a hurricane-prone area where your trip could be scuttled due to weather.
• Your trip involves connecting flights or multiple destinations, which increase the chances of travel delays and lost baggage.
• You want to be partially reimbursed if you decide to cancel your trip or return home early for any reason.

I’ve unfortunately filed several cruise insurance claims in recent years, but I’m so grateful I had coverage. When my father passed away on the day we were set to depart, insurance reimbursed us over $3,000 for the trip cancellation. Later, my wife and I tested positive for Covid-19 in Paris right before our river cruise. We had to cancel and pay for a week’s stay in a pricey hotel, but insurance covered the entire $12,000 claim. Most recently, I was diagnosed with cancer before a cruise and had to cancel for surgery. The documentation was complex, but our policy paid the remaining $2,000 to $3,000 after refunds without hesitation. Travel insurance gave us peace of mind through it all.

– David R., Texas

To find the best cruise insurance, Forbes Advisor analyzed travel insurance data to score travel insurance policies based on the following factors. We include only travel insurance policies that include missed connection coverage.

Read more: How Forbes Advisor rates travel insurance

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.

If I cancel my cruise without insurance can I get a refund?

You may qualify for a refund if you cancel a cruise without travel insurance, but the specifics depend on the refund rules outlined by the cruise company. Typically, the closer to the departure date, the less likely it is you’ll get a refund. For example,  if you cancel your cruise 90 days or more before departure, you may get a refund, minus the non-refundable deposit. But if you cancel 30 days or less, you may not get any of your money back.

Even if you have travel insurance, you wouldn’t be eligible to file a cancellation claim if your cruise company provides refunds. Travel insurance only compensates you for prepaid, non-refundable trip costs.

How do I buy cruise insurance for a long-duration cruise?

The coverage in many travel insurance policies will max out at 90 days, so you’ll need to look for a travel insurance policy that can provide coverage for a long trip length.

For example, Allianz Global Assistance ’s OneTrip Premier Plan can cover a trip up to 366 days and includes $200,000 in trip cancellation coverage and $1 million in emergency medical evacuation benefits. It also provides trip cancellation coverage in the event that there is an NOAA hurricane warning at your destination.

How do I buy insurance for cruise shore excursions?

If your shore excursions are pricey, insure the non-refundable deposits for the excursions and the cruise. If your excursions are included in the cruise cost, you would simply insure the cruise trip cost.

Travel medical insurance can cover medical expenses you incur while on and off the ship. But if your excursions involve adventure activities or extreme sports, be aware that many travel policies exclude these from coverage. Still, there are adventure travel policies and optional upgrades that will cover injuries due to activities such as mountain climbing, parasailing, skydiving and hot air ballooning.

Review your policy to be sure the plan you’re buying will cover your adventurous fun. If it doesn’t, ask about an adventure sports add-on, or consider a company such as World Nomads that caters to the adventurous traveler.

Do I need a special cruise insurance plan?

You don’t need a travel insurance plan that’s specifically for cruises. Any good travel insurance policy with generous medical coverage and the other benefits you want can be the best cruise insurance for you.

Can you buy cruise insurance after booking?

You can buy cruise insurance after booking your trip, right up until just before departure. The downside to waiting is that you likely won’t be able to cover pre-existing medical conditions, and you’ll lose the option to add “cancel for any reason” coverage .

Buying right after you book also lets you lock in trip cancellation coverage right away.

Can I cancel a cruise without insurance?

You can cancel a cruise, but you may have to pay a cancellation penalty. You could also lose the cost of pre-paid shore excursions. If you don’t have travel insurance for these losses, check the credit card you used for booking. Some credit cards include trip cancellation coverage .

Next Up In Travel Insurance

• Best Covid-19 Travel Insurance Plans
• Best Travel Insurance Companies
• The 5 Cheapest Travel Insurance Companies

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

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Allianz Trip Insurance

Protect your travel experience

Read about Allianz Trip Insurance’s COVID-19 insurance coverage limitations and accommodations.

U.S. coverage alert Opens another site in a new window that may not meet accessibility guidelines.

Top reasons to buy trip insurance

• Financial reimbursement if you have to cancel or interrupt your trip due to a covered illness, injury, jury duty, and more
• Emergency medical benefits in and outside the U.S. – where many personal health insurance policies (like Medicare) won’t cover you
• 24-hour emergency assistance to help you solve medical and other travel-related problems on the go

Types of trip insurance plans

Allianz Trip Insurance comes in a variety of plans to fit your specific needs. Single-trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental vehicle.

All insurance is recommended / offered / sold by 3rd party, Allianz Global Assistance, not American Airlines. Underwriter: Jefferson Insurance Company or BCS Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. AGA Service Company is a licensed producer in all 50 states plus the District of Columbia.

Get a quote Opens another site in a new window that may not meet accessibility guidelines.

Trip insurance benefits

Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered illness, injury, and more.

Reimburses the unused, non-refundable portion of your trip and increased transportation costs it takes for you to return home early or to continue your trip due to a covered illness, injury, and more.

Reimburses expenses related to covered emergency medical or dental care incurred on your trip.

Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.

Reimburses extra meals and accommodations you may need if your flight is delayed for 6 or more hours for a covered reason.

Reimburses you if your luggage is lost, damaged or stolen during your trip—keeping your travel plans on track.

Reimburses the purchase of essential items if your luggage is delayed for more than 24 hours.

Turn your trip into a VIP experience. Our travel experts can give you destination information, make restaurant reservations, find tickets to shows, and more.

Help is just a phone call away. Our team of multilingual problem solvers is available to help you with medical and other travel-related emergencies.

Provides primary coverage with no deductible.

Review period

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Plans are non-refundable after this period.

Additional assistance

Coverage by country of residence.

• Frequently asked questions

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive,Richmond, VA 23233 or [email protected]

Email [email protected]

PLEASE BE ADVISED: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions. Rental Car Protector is not available to KS and TX residents, except when purchased as a separate policy and is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage and does not cover you for any injury to another party. Additionally:

California Residents: We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.

New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer’s expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer’s compensation, except as otherwise provided by law.

Maryland Residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.

Texas Residents: Before deciding whether to purchase this insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.

Plan charge includes the cost of insurance benefits and assistance services. See your Plan Details for more information, or call Allianz Global Assistance at 800-284-8300.

AGA Service Company dba Allianz Global Assistance (AGA) compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency.

*Terms, conditions, and exclusions apply, including for pre-existing conditions. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans.

How can we help you?

Trip protection coverage, i’ve experienced a travel disruption, where can i learn about my air passenger rights.

Air travel passengers are eligible for refunds or compensation if airlines cancel or delay their flight under the Air Passenger Protection Regulations (APPR). Learn more in BCAA’s Air Passenger Help Guide at bcaa.com/travelhelp.

How can I make a claim on my Travel Insurance Policy?

You can make a claim on your BCAA Travel Insurance policy online, over the phone or via email 24 hours a day. CXO-TravelService

Can I get a refund for my BCAA Trip Protection Policy?

Refund eligibility table for Non-Medical and Trip Cancellation/Interruption policies. CXO-TravelService

How can I get a copy of my Insurance Documents?

You can access your BCAA Account to get copies of your documents for Travel, Optional Car and Home documents. CXO-HomePayments

How can I update my credit card?

BCAA Primary Members who have a credit card on file for their Membership or insurance products, can update their credit card information through BCAA My Account. Through the Home Insurance Portal, Members who are the Primary Policy Holder (those listed first on their policy document) can also update credit card or bank account information...

How does BCAA Travel Insurance work if I already have coverage with my credit card or health care plan?

BCAA Travel Insurance works in coordination with other benefits you have from another insurer. You can also purchase a "Top Up" plan if you are looking to extend the amount of days you have covered from another plan.

How can I get a quote for Trip Protection Insurance?

There are several different ways to get a Trip Protection quote. This package gives you coverage for Trip Cancellation & Interruption, Travel Accident Insurance, Baggage Protection and Travel Delay & COVID-19 Quarantine Coverage.

What happens if I'm quarantined while I'm away?

Travel Delay & COVID 19 Quarantine Coverage provides coverage for some quarantine expenses. BCAA Travel Emergency Medical Insurance may automatically extend your coverage up to 14 days.

What are my travel insurance coverage options?

Through BCAA you can purchase Emergency Medical Travel Insurance, Visitors to Canada Insurance and/or a Trip Protection package to cover you on your travels.

My flight was delayed or cancelled, what will my Travel Insurance cover?

Flight cancellation and delay coverage under the BCAA Trip Protection Package.

Related Topics

• Emergency Medical 1
• Travel Insurance 1
• Visitors To Canada 1
• My Account 1

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Elektrostal

Elektrostal Localisation : Country Russia , Oblast Moscow Oblast . Available Information : Geographical coordinates , Population, Altitude, Area, Weather and Hotel . Nearby cities and villages : Noginsk , Pavlovsky Posad and Staraya Kupavna .

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Elektrostal Demography

Information on the people and the population of Elektrostal.

Elektrostal Geography

Geographic Information regarding City of Elektrostal .

Elektrostal Distance

Distance (in kilometers) between Elektrostal and the biggest cities of Russia.

Elektrostal Map

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Geographic coordinates of Elektrostal, Moscow Oblast, Russia

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Coordinates of Elektrostal in decimal degrees

Coordinates of elektrostal in degrees and decimal minutes, utm coordinates of elektrostal, geographic coordinate systems.

WGS 84 coordinate reference system is the latest revision of the World Geodetic System, which is used in mapping and navigation, including GPS satellite navigation system (the Global Positioning System).

Geographic coordinates (latitude and longitude) define a position on the Earth’s surface. Coordinates are angular units. The canonical form of latitude and longitude representation uses degrees (°), minutes (′), and seconds (″). GPS systems widely use coordinates in degrees and decimal minutes, or in decimal degrees.

Latitude varies from −90° to 90°. The latitude of the Equator is 0°; the latitude of the South Pole is −90°; the latitude of the North Pole is 90°. Positive latitude values correspond to the geographic locations north of the Equator (abbrev. N). Negative latitude values correspond to the geographic locations south of the Equator (abbrev. S).

Longitude is counted from the prime meridian ( IERS Reference Meridian for WGS 84) and varies from −180° to 180°. Positive longitude values correspond to the geographic locations east of the prime meridian (abbrev. E). Negative longitude values correspond to the geographic locations west of the prime meridian (abbrev. W).

UTM or Universal Transverse Mercator coordinate system divides the Earth’s surface into 60 longitudinal zones. The coordinates of a location within each zone are defined as a planar coordinate pair related to the intersection of the equator and the zone’s central meridian, and measured in meters.

Elevation above sea level is a measure of a geographic location’s height. We are using the global digital elevation model GTOPO30 .

Elektrostal , Moscow Oblast, Russia