Uncover our travel
insurance for cultural trips

	[{"headerTitle":"Our plan benefits and coverage details","tiers":[{"key":"ultimate","label":"Ultimate"},{"key":"advantage","label":"Advantage"},{"key":"essential","label":"Essential"}],"categories":[{"name":"Trip cancellation, interruption, delay, and inconvenience","benefits":[{"title":"Trip cancellation","description":"Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.","values":{"ultimate":{"covered":true,"amount":"100% of trip cost ($50,000 maximum)"},"advantage":{"covered":true,"amount":"100% of trip cost ($10,000 maximum)"},"essential":{"covered":true,"amount":"100% of trip cost ($10,000 maximum)"}}},{"title":"Trip interruption","description":"Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.","values":{"ultimate":{"covered":true,"amount":"150% of trip cost ($75,000 maximum)"},"advantage":{"covered":true,"amount":"$125% of trip cost ($12,500 maximum)"},"essential":{"covered":true,"amount":"100% of trip cost ($10,000 maximum)"}}},{"title":"Travel delay","description":"Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.","values":{"ultimate":{"covered":true,"amount":"$2,000 ($250 per day maximum)"},"advantage":{"covered":true,"amount":"$1,000 ($250 per day maximum)"},"essential":{"covered":true,"amount":"$600 ($200 per day maximum)"}}},{"title":"Baggage and personal effects","description":"Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.","values":{"ultimate":{"covered":true,"amount":"$2,000 ($500 per item limit)"},"advantage":{"covered":true,"amount":"$1,000 ($500 per item limit)"},"essential":{"covered":true,"amount":"$750 ($500 per item limit)"}}},{"title":"Baggage delay","description":"Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.","values":{"ultimate":{"covered":true,"amount":"$500"},"advantage":{"covered":true,"amount":"$200"},"essential":{"covered":true,"amount":"$200"}}},{"title":"Missed connection (air and cruise only)","description":"Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.","values":{"ultimate":{"covered":true,"amount":"$750"},"advantage":{"covered":true,"amount":"$500"},"essential":{"covered":true,"amount":"$150"}}},{"title":"Trip inconvenience","description":"Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason.\n\nClosed attractions: $200 maximum\n\nClosed beach: $200 maximum\n\nCruise disablement: $200 maximum","values":{"ultimate":{"covered":true,"amount":"$600"},"advantage":{"covered":false,"amount":"Not included"},"essential":{"covered":false,"amount":"Not included"}}}]},{"name":"Emergency evacuation and repatriation","benefits":[{"title":"Emergency medical evacuation and repatriation","description":"Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.","values":{"ultimate":{"covered":true,"amount":"$1,000,000"},"advantage":{"covered":true,"amount":"$250,000"},"essential":{"covered":true,"amount":"$200,000"}}}]},{"name":"Emergency medical expense","benefits":[{"title":"Emergency medical expense","description":"Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.","values":{"ultimate":{"covered":true,"amount":"$250,000\n\n*$50,000 for NH residents"},"advantage":{"covered":true,"amount":"$50,000"},"essential":{"covered":true,"amount":"$25,000"}}},{"title":"Emergency dental expense","description":"Coverage for emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.","values":{"ultimate":{"covered":true,"amount":"$500"},"advantage":{"covered":true,"amount":"$500"},"essential":{"covered":true,"amount":"$500"}}},{"title":"Waiver of the pre-existing condition exclusion","description":"If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.","values":{"ultimate":{"covered":true,"amount":"Included if plan is purchased within 21 days of first trip payment and full trip cost is insured"},"advantage":{"covered":false,"amount":"Not included"},"essential":{"covered":false,"amount":"Not included"}}},{"title":"Pre-existing medical condition look-back period","description":"This represents the number of days to \"look back\" at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.","values":{"ultimate":{"covered":true,"amount":"90 days\n\nDoes not apply to NH residents"},"advantage":{"covered":true,"amount":"120 days\n\nDoes not apply to NH residents"},"essential":{"covered":true,"amount":"180 days\n\nDoes not apply to NH residents"}}},{"title":"Primary coverage","description":"If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you're a CT resident, in which case you'd have primary coverage.","values":{"ultimate":{"covered":true,"amount":"Included"},"advantage":{"covered":true,"amount":"Included"},"essential":{"covered":false,"amount":"Not included (secondary coverage)\n\nIncluded for CT residents"}}}]},{"name":"Accidental death and dismemberment","benefits":[{"title":"Accidental death and dismemberment","description":"Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.","values":{"ultimate":{"covered":true,"amount":"$25,000"},"advantage":{"covered":true,"amount":"$20,000"},"essential":{"covered":true,"amount":"$10,000"}}},{"title":"Exposure and disappearance","description":"Coverage if you're exposed to weather or disappear due to an accident that results in an eligible loss.","values":{"ultimate":{"covered":true,"amount":"$25,000"},"advantage":{"covered":true,"amount":"$20,000"},"essential":{"covered":true,"amount":"$10,000"}}}]},{"name":"Other benefits","benefits":[{"title":"24/7 emergency assistance","description":"If you need help while you're traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.","values":{"ultimate":{"covered":true,"amount":"Included"},"advantage":{"covered":true,"amount":"Included"},"essential":{"covered":true,"amount":"Included"}}},{"title":"Kids-included pricing","description":"We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child's individual trip cost must be equal to or lower than the insured adult's individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.","values":{"ultimate":{"covered":true,"amount":"Yes"},"advantage":{"covered":false,"amount":"No"},"essential":{"covered":false,"amount":"No"}}},{"title":"Maximum trip length","description":"The plan you choose will provide coverage for a trip length up to the number of days shown. It's important to check that the plan's maximum trip length will insure your entire trip or coverage may not apply. Trips exceeding 30 days in length may result in additional premium.","values":{"ultimate":{"covered":true,"amount":"Up to 180 days"},"advantage":{"covered":true,"amount":"Up to 30 days"},"essential":{"covered":true,"amount":"Up to 30 days"}}},{"title":"Eligible destinations","description":"We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC).\nPlease check the <a href=\"https://ofac.treasury.gov/sanctions-programs-and-country-information\">OFAC website</a> and our <a href=\"/help/travel-alerts/blocked-destinations\">travel alerts page</a> for information on affected countries.","values":{"ultimate":{"covered":true,"amount":"All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our <a href=\"/content/purchase/travelex/us/en/help/travel-alerts/blocked-destinations\">travel alerts page.</a>"},"advantage":{"covered":true,"amount":"All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our <a href=\"/content/purchase/travelex/us/en/help/travel-alerts/blocked-destinations\">travel alerts page</a>."},"essential":{"covered":true,"amount":"All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our <a href=\"/content/purchase/travelex/us/en/help/travel-alerts/blocked-destinations\">travel alerts page.</a>"}}},{"title":"Review period","description":"This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.","values":{"ultimate":{"covered":true,"amount":"21 days"},"advantage":{"covered":true,"amount":"21 days"},"essential":{"covered":true,"amount":"21 days"}}},{"title":"Sports and activities","description":"We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.","values":{"ultimate":{"covered":true,"amount":"Included, but limited to eligible activities (optional upgrade available for additional activities)"},"advantage":{"covered":true,"amount":"Included, but limited to eligible activities (optional upgrade available for additional activities)"},"essential":{"covered":true,"amount":"Included, but limited to eligible activities (optional upgrade available for additional activities)"}}}]},{"name":"Optional upgrades","benefits":[{"title":"Cancel for any reason","description":"If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can't be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.","values":{"ultimate":{"covered":true,"amount":"Available (75% of insured trip cost up to $7,500)"},"advantage":{"covered":false,"amount":"Not available"},"essential":{"covered":false,"amount":"Not available"}}},{"title":"Rental car damage","description":"If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.","values":{"ultimate":{"covered":true,"amount":"Available ($50,000 with a $100 deductible)"},"advantage":{"covered":true,"amount":"Available ($50,000 with a $100 deductible)"},"essential":{"covered":true,"amount":"Available ($50,000 with a $100 deductible)"}}},{"title":"Additional medical","description":"If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.","values":{"ultimate":{"covered":true,"amount":"Available (additional $250,000)\n\nNot available to NH residents"},"advantage":{"covered":false,"amount":"Not available"},"essential":{"covered":false,"amount":"Not available"}}},{"title":"Adventure activities","description":"If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn't available to IL residents. Exclusions on activities listed above don't apply to IL residents.","values":{"ultimate":{"covered":true,"amount":"Available (waives exclusions on certain activities)\n\nSearch and rescue: $10,000\n\nSecurity evacuation: $100,000"},"advantage":{"covered":true,"amount":"Available (waives exclusions on certain activities)\n\nSearch and rescue: $10,000\n\nSecurity evacuation: $100,000"},"essential":{"covered":true,"amount":"Available (waives exclusions on certain activities)\n\nSearch and rescue: $10,000\n\nSecurity evacuation: $100,000"}}},{"title":"Accidental death for air travel","description":"If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn't available to NH residents.","values":{"ultimate":{"covered":true,"amount":"Available ($200,000, $500,000, or $1,000,000)\n\nNot available to NH residents"},"advantage":{"covered":true,"amount":"Available ($200,000, $500,000, or $1,000,000)\n\nNot available to NH residents"},"essential":{"covered":true,"amount":"Available ($200,000, $500,000, or $1,000,000)\n\nNot available to NH residents"}}},{"title":"Pet care","description":"If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn't available to NY and VA residents.","values":{"ultimate":{"covered":true,"amount":"Available\n\nPet care: $250\n\nPet veterinarian expense: $2,500"},"advantage":{"covered":true,"amount":"Available\n\nPet care: $250\n\nPet veterinarian expense: $2,500"},"essential":{"covered":true,"amount":"Available\n\nPet care: $250\n\nPet veterinarian expense: $2,500"}}},{"title":"Rental property security deposit","description":"Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.","values":{"ultimate":{"covered":true,"amount":"Available ($2,000)"},"advantage":{"covered":true,"amount":"Available ($2,000)"},"essential":{"covered":true,"amount":"Available ($2,000)"}}},{"title":"Cancel for business reasons","description":"Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you're required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.","values":{"ultimate":{"covered":true,"amount":"Available (100% of insured trip cost up to $10,000)"},"advantage":{"covered":false,"amount":"Not available"},"essential":{"covered":false,"amount":"Not available"}}},{"title":"Additional baggage","description":"Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.","values":{"ultimate":{"covered":true,"amount":"Available (additional $3,000)\n\nPer item limit: $1,500\n\nElectronic and professional equipment limit: $2,000\n\nSporting equipment delay limit: $1,500\n\nSporting equipment rental limit: $2,000"},"advantage":{"covered":true,"amount":"Available (additional $4,000)\n\nPer item limit: $1,500\n\nElectronic and professional equipment limit: $2,000\n\nSporting equipment delay limit: $1,500\n\nSporting equipment rental limit: $2,000"},"essential":{"covered":true,"amount":"Available (additional $4,250)\n\nPer item limit: $1,500\n\nElectronic and professional equipment limit: $2,000\n\nSporting equipment delay limit: $1,500\n\nSporting equipment rental limit: $2,000"}}}]}]}]