Trip Protection/Cancellation
  1. Help Center
  2. Trip Protection/Cancellation

Comparing the Safe Travels Journey & Voyager plans

a side-by-side comparison of the Safe Travels Journey & Voyager plans

Maximum Limits Per Person
Coverages Safe Travels Journey Safe Travels Voyager
  brochure | certificates brochure | certificates
    *Meets Costa Rica Travel Insurance Requirements
Trip Cancellation Up to 100% of Trip Cost Insured Up to 100% of Trip Cost Insured
Trip Interruption Up to 125% of Trip Cost Insured Up to 150% of Trip Cost Insured
Travel Delay 

$750 ($150 per day) *6 hours

$2,000 ($150 per day) *6 hours
Missed Connection $750 $1,000
Airline Ticket Exchange Fee $100 $100
Frequent Flyer Rebanking Fee N/A N/A
Baggage Coverage $2,000 $2,500
Baggage Delay Coverage $400 *12 hours $600 *8 hours
Medical Coverage $150,000 $250,000
Dental Coverage $750 $750
Emergency Evacuation and Repatriation $500,000 $1,000,000
Accidental Death & Dismemberment - Air Flight Accident $25,000 $50,000
Accidental Death & Dismemberment - 24 Hour Optional Upgrade $25,000
Rental Car Damage Optional Upgrade

$35,000

Coverages Safe Travels Journey Safe Travels Voyager
Pet Coverage N/A $250
Financial Default of Travel Supplier Included if insurance is purchased within 14 Days of initial trip payment of any kind Included if insurance is purchased within 21 Days of initial trip payment of any kind
Pre-Existing Coverage Included if insurance is purchased within 14 Days of initial trip payment of any kind Included Prior to Final Payment
Coverage Type Secondary Primary

Optional Coverages
Coverages Safe Travels Journey Safe Travels Voyager
Trip Cancellation for Any Reason (CFAR) N/A 75% of Trip Cost Available within 21 Days of Initial Trip Payment, and the full, nonrefundable trip cost is insured.
Rental Car Damage $35,000 Included
Accidental Death & Dismemberment - Air Flight Accident $100,000 Additional $250,000
Accidental Death & Dismemberment - 24 Hour $25,000 Additional $25,000
Baggage & Personal Effects Included Included

 

Trip Cancellation Reasons
Coverages Safe Travels Journey Safe Travels Voyager
Sickness, Injury or Death of Traveler Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.
Sickness, Injury or Death of Traveling Companion Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.
Sickness, Injury or Death of Family Member  Sickness, Accidental Injury or death of a non-traveling Family Member. Sickness, Accidental Injury or death of a non-traveling Family Member.
Complications of Pregnancy Your or Your Family Member’s, or Your Traveling Companion’s or Traveling Companion’s Family Member’s, Complications of Pregnancy that result in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your or Your Traveling Companion’s participation in the Trip.  A Physician must advise to cancel the Trip on or before the Scheduled Departure Date. Your or Your Family Member’s, or Your Traveling Companion’s or Traveling Companion’s Family Member’s, Complications of Pregnancy that result in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your or Your Traveling Companion’s participation in the Trip.  A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.
Termination of Employment After five (5) years of continuous employment at the same company, You are terminated or laid-off, from full time employment by that company through no fault of Your own; After three (3) years of continuous employment at the same company, You are terminated or laid-off, from full time employment by that company through no fault of Your own;
Transfer of Employment Your transfer of employment of two hundred fifty (250) miles or more.  The transfer must require Your Home to be relocated. Your transfer of employment of two hundred fifty (250) miles or more.  The transfer must require Your Home to be relocated.
Company uninhabitable   N/A Your company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.
Military Leave Revoked You or Your Traveling Companion have a previously approved military leave revoked or experience a military re-assignment. You or Your Traveling Companion have a previously approved military leave revoked or experience a military re-assignment.
Military Relief in event of Natural Disaster  You, Your Traveling Companion or Family Member, who are military personnel, are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war). You, Your Traveling Companion or Family Member, who are military personnel, are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).
Common Carrier Delay/Cancellation due to Weather Weather at the departure site that causes complete cessation of services for at least twelve (12) consecutive hours of the Common Carrier with whom You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy. Weather at the departure site that causes complete cessation of services for at least twelve (12) consecutive hours of the Common Carrier with whom You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
Natural Disaster at Destination Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
Coverage for Travel Delay Causing Loss of 50% of Trip Your accommodations at Your destination made inaccessible due to fire, flood, volcano, earthquake, hurricane or other Natural Disaster. The Company will only pay benefits for losses occurring within fifteen (15) calendar days after the event renders the destination inaccessible. For the purpose of this coverage, inaccessible means Your accommodations can not be reached by Your original mode of transportation.  In order to cancel Your trip, You must have four (4) days or fifty percent (50%) of Your total Trip length or less remaining at the time the destination is accessible.  Benefits are not payable if the event occurs or if a storm is named prior to or on Your Effective Date. Your accommodations at Your destination made inaccessible due to fire, flood, volcano, earthquake, hurricane or other Natural Disaster. The Company will only pay benefits for losses occurring within fifteen (15) calendar days after the event renders the destination inaccessible. For the purpose of this coverage, inaccessible means Your accommodations can not be reached by Your original mode of transportation.  In order to cancel Your trip, You must have four (4) days or fifty percent (50%) of Your total Trip length or less remaining at the time the destination is accessible.  Benefits are not payable if the event occurs or if a storm is named prior to or on Your Effective Date.
Mandatory Evacuation  Mandatory evacuation (or public official evacuation advisements where there is no mandatory evacuation) issued by local government authorities at Your Trip destination due to hurricane or other Natural Disaster.  In order to cancel Your Trip, You must have four (4) days or fifty percent (50%) of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends. Mandatory evacuation (or public official evacuation advisements where there is no mandatory evacuation) issued by local government authorities at Your Trip destination due to hurricane or other Natural Disaster.  In order to cancel Your Trip, You must have four (4) days or fifty percent (50%) of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends.
Weather Delay at Sporting Competition  N/A A weather delay at the sporting competition to which You are specifically traveling more than one hundred (100) miles from the Home causing the sporting competition to be rescheduled to a date when You are not scheduled to be at the location or cancelled.
Closure of at least fifty percent (50%) of Trails or slopes at the destination after Your Effective Date and prior to Your departure on Your Trip, due to insufficient snow, Natural Disaster or severe weather or Trail conditions. Benefits are only available if the Ski resort has snow makers and is more than nine hundred (900) meters above sea level, or if the Ski resort does not have snowmakers and is more than one thousand four hundred (1,400) meters above sea level. This coverage is only available for Trips that take place between the dates of December 1 and April 15 for ski resorts  N/A Closure of at least fifty percent (50%) of Trails or slopes at the destination after Your Effective Date and prior to Your departure on Your Trip, due to insufficient snow, Natural Disaster or severe weather or Trail conditions. Benefits are only available if the Ski resort has snow makers and is more than nine hundred (900) meters above sea level, or if the Ski resort does not have snowmakers and is more than one thousand four hundred (1,400) meters above sea level. This coverage is only available for Trips that take place between the dates of December 1 and April 15 for ski resorts in the northern hemisphere, or between May 1 and September 30 for ski resorts in the southern hemisphere.
Level 4 Travel Advisory If the U.S. Department of State has already issued a Level 4 Travel Advisory regarding travel to Your destination country or region prior to Your Effective Date, and within forty-five (45) days of Your Scheduled Departure Date, as the result of a specific event that occurs after Your Effective Date and in Your destination country, the Company’s authorized security risk firm deems travel to that area is not advisable. If the U.S. Department of State has already issued a Level 4 Travel Advisory regarding travel to Your destination country or region prior to Your Effective Date, and within forty-five (45) days of Your Scheduled Departure Date, as the result of a specific event that occurs after Your Effective Date and in Your destination country, the Company’s authorized security risk firm deems travel to that area is not advisable.
Terrorist Incident  A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.  A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered. 
Felonious Assault  You or Your Traveling Companion are a victim of a felonious assault. You or Your Traveling Companion are a victim of a felonious assault.
Kidnapped You or Your Traveling Companion or Family Member are kidnapped or disappears as substantiated by a police report, and has not returned within thirty (30) days prior to Your Scheduled Departure Date. You or Your Traveling Companion or Family Member are kidnapped or disappears as substantiated by a police report, and has not returned within thirty (30) days prior to Your Scheduled Departure Date.
Theft of Passport or Visa A documented theft of Your or Your Traveling Companion’s passports and/or visas. A documented theft of Your or Your Traveling Companion’s passports and/or visas.
Hijacked, Quarantined, Required to Serve on a Jury or Subpoenaed -- Or Having Home made Unhabitable You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.
Death or Critical Condition of Cat or Dog  N/A  Death or critical condition diagnosis of Your cat or dog that occurs within seven (7) days prior to Your Trip Scheduled Departure Date as certified by a Veterinarian at the time of Loss preventing Your participation in the Trip. 
Interruption of Water, Electric, Sewage at Destination An interruption of water, electric, sewage or gas service(s) at Your destination, for more than twenty-four (24) hours due to Inclement Weather or Natural Disaster. The Company will only pay benefits for losses occurring within fifteen (15) calendar days following the onset of the service interruption. An interruption of water, electric, sewage or gas service(s) at Your destination, for more than six (6) hours due to Inclement Weather or Natural Disaster. The Company will only pay benefits for losses occurring within fifteen (15) calendar days following the onset of the service interruption.
Traffic Accident  You or Your Traveling Companion being directly involved in a traffic accident (substantiated by a police report provided by You to the Company) while en route to departure. You or Your Traveling Companion being directly involved in a traffic accident (substantiated by a police report provided by You to the Company) while en route to departure.
Closed Roadways A closed roadway causing cessation of travel for You or Your Traveling Companion for at least twelve (12) consecutive hours to or from Your Trip destination (substantiated by the Department of Transportation, state police, etc.). A closed roadway causing cessation of travel for You or Your Traveling Companion for at least six (6) consecutive hours to or from Your Trip destination (substantiated by the Department of Transportation, state police, etc.).
Bankruptcy or Default of Travel Supplier Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.  This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.  This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period.
Mechanical Breakdown  Mechanical breakdown of Your Common Carrier’s aircraft on which You or Your Traveling Companion are scheduled to travel for at least twelve (12) consecutive hours.

Mechanical breakdown of Your Common Carrier’s aircraft on which You or Your Traveling Companion are scheduled to travel for at least twelve (12) consecutive hours.

Strike  Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twelve (12) consecutive hours. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twelve (12) consecutive hours.
Hazard Delay at Destination   N/A Your arrival on the Trip being delayed due to a Hazard that causes You to lose fifty percent (50%) or more of the scheduled Trip duration.