The Annual Deluxe Plan features everything in the Basic plan plus we have included Itinerary Change coverage. This plan features $5,000 for Trip Cancellation per Annual Policy Term and Interruption and $20,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. Coverage starts the day after purchase.


Not available in Washington, New York

Plan Highlights

  • Annual coverage up to 30 days each trip during the coverage period that is more than 100 miles from home
  • For trip cancellation and interruption up to $5,000 per person per policy
  • Covers itinerary change, trip delay, baggage and sports equipment rental
  • Up to $20,000 in Excess emergency medical coverage
  • Annual Flat Rate of $305 per person

Benefits of Coverage

Trip Protection Benefits
Trip Cancellation
100% of Trip Cost ($5,000 max)
  • Airline Reissue or Cancellation Fees: $100
  • Reinstate Frequent Traveler Awards: $200
Trip Interruption
100% of Trip Cost ($5,000 max.)
Itinerary Change
$300 per trip Pre-Paid Excursion
Trip Delay
$500 per trip (12 hours/$150 per day)
Additional Benefits
Accidental Death and Dismemberment
Medical Benefits
Emergency Accident & Sickness Medical Expense
$20,000 per trip Emergency Dental limited to $750 per trip
Emergency Evacuation Benefits
Emergency Medical Evacuation
$100,000 per trip / $10,000 Hospital Companion
Repatriation of Mortal Remains
$100,000 per trip
Protection for Belongings Benefits
Baggage & Personal Effects
$750 maximum per trip /$150 per article/$250 combined article limit for valuables
Baggage Delay (12 hours)
$200 per trip
  • Includes Sports Equipment Rental
24/7 Non-Insurance Benefits
Maximum Trip Duration
30 days per trip
Non Insurance Assistance Services
Included 24/7/365

Plan Definitions

  • Trip Cancellation & Interruption

    Provides reimbursement of insured, non-refundable, pre-paid trip costs if a trip is cancelled or interrupted for a covered reason*.

  • Trip Delay

    Coverage if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a covered reason* Covered Trip Delay Expenses include: (a) Any pre-paid, unused, non-refundable land and water accommodations; (b) Any Reasonable Expenses incurred; (c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip; (d) A one-way Economy Fare to return You to Your originally scheduled return destination trip is delayed for a covered reason*.

  • Baggage Coverage

    Provides reimbursement for lost and stolen personal items, as well as costs incurred due to baggage delay.

  • Baggage delay - Sports equipment rental

    Provides reimbursement for the cost of renting sports equipment if your checked sports equipment is lost, stolen, damaged or delayed by a common carrier.

  • Emergency Medical

    Provides reimbursement for emergency medical treatment if sickness or injury occurs while traveling.

  • Emergency Medical Evacuation

    Provides coverage for emergency medical evacuation, if necessary, to the nearest adequate medical facility, also includes repatriation.


    You may cancel this plan for refund by giving notice of cancellation to us, during the free look period. Most states have a 10 day free look period beginning the date the policy was purchased, but the State Certificate ultimately determines the timeframe of the free look period, if any.

Benefits listed describe all of the travel insurance benefits, underwritten by Nationwide Mutual Insurance Company, Columbus, Ohio. There are certain restrictions, exclusions and limitations that apply to all services and coverages. Plan benefits, limits, and provisions may vary by state. The annual policy is not available in NY or WA. To review full plan details online, visit You will receive your State specific Plan Document which describes the benefits and limitations in detail including available 24-hour non-insurance emergency assistance services.