Travel Insurance Review

AEGIS

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The majority of plans are accessible across all 50 states in the United States. Their selection of policies caters to diverse needs, ranging from exclusive VIP plans covering trip and medical protection to specialized options for pandemics, cruises, and vacation rentals.

Each plan comes with a complimentary free look period, allowing for cancellation with a full refund. Additionally, each plan features a distinct stress less benefit, potentially sparing you from out-of-pocket expenses for your claim.

Explore various enhancements, such as cancel for any reason, cancel for work, and coverage for sports and business equipment, to customize a policy that precisely fits your needs and protects your trip. Your policy will be supported by some of the industry's top A-rated underwriters, providing you with peace of mind.

POLICY OPTIONS

Conventional

Choice
VIP
Trip Cancellation
Annual / Multi-trip

Distinctive

Pandemic Plus
Cruise
Vacation Rental

CUSTOMIZABLE

Tailored coverage and related premium costs via upgrades including travel delay, pet care, medical emergency, medical evacuation, baggage, and more

CANCEL FOR ANY REASON

Many policies either include this as a standard benefit or an optional upgrade

MEDICAL EMERGENCY

Coverage is lower than some competitors

MEDICAL EVACUATION

Some policies have lower than expected coverage with no upgrade option available

STRESS LESS BENEFIT

You may be able to avoid paying out-of-pocket for claims while avoiding the claims reimbursement process.

POLICY COMPARISONS

Highlights	Conventional Single Trip Plans
Highlights	Choice	VIP	Cancellation
General
Availability	All 50 States	All 50 States	All 50 States
Trip duration maximum	60 days	60 days	60 days
Free look period	15 days	15 days	15 days
Stress less benefit	Yes	Yes	Yes
Trip Protection
Cancellation	100%, $50,000	100%, $50,000	100%, $20,000
Cancel for work	100%, $50,000	100%, $50,000	-
Cancel for any reason	75%, $7,500	-	-
Interruption	150%, $75,000	175%, $85,500	150%, $30,000
Delay	$2,000	$1,500	-
Missed connection	$500	$1,000	-
Medical Protection
Emergency	$50,000	$250,000	-
Evacuation	$250,000	$1,000,000	-
Repatriation	$250,000	$1,000,000	-
Dental	$1,000	$1,500	-
Baggage / Belongings
Baggage/personal items	$500	$2,500	-
Delay	$200	$750	-
Additional Benefits
Car rental	$50,000	$50,000	-
24/7 assistance	Yes	Yes	Yes
Accidents
Death	$10,000	$50,000	-
Death – air only	-	$100,000	-
Dismemberment	$10,000	$50,000	-
Underwriter	Zurich American Insurance Company

CONVENTIONAL PLANS

Highlights	Distinctive Single Trip Plans
Highlights	Pandemic Plus	Cruise	Vacation Rental
General
Availability	All 50 States	All 50 States	All 50 States
Trip duration maximum	90 days	90 days	30 days
Free look period	14 days	15 days	14 days
Stress less benefit	Yes	Yes	Yes
Trip Protection
Cancellation	100%, $25,000	100%, $50,000	100%, $12,500
Cancel for any reason	75%, $10,000	75%, $7,500	75%, $9,375*
Interruption	150%	150%, $75,000	100%, $12,500
Delay	$1,000	$1,000	$1,000
Missed connection	$250	$750	-
Medical Protection
Emergency	$50,000	$100,000	$50,000
Evacuation	$500,000	$250,000	$250,000
Repatriation	$500,000	$250,000	$250,000
Dental	$750	$1,000	$750
Baggage / Belongings
Baggage/personal items	$2,500	$1,500	$1,000
Delay	$500	$750	$200
Delay – Pet Care	-	$500	-
Additional Benefits
Car rental	-	$50,000	$40,000*
24/7 assistance	Yes	Yes	Yes
Accidents
Death	$10,000	$25,000	-
Dismemberment	$10,000	$25,000	-
Underwriter	Starr Indemnity & Liability Co.	Zurich American Insurance Co.	Starr Indemnity & Liability Co.
*Optional

DISTINCTIVE PLANS

Highlights	Annual / Multi-Trip Plans
	Preferred	Primary
General
Availability – 50 States	Ex. New York	All 50 States
Trip duration maximum	31 days	90 days
Free look period	15 days	14 days
Stress less benefit	Yes	Yes
Trip Protection
Cancellation	100%, $5,000	-
Interruption	150%, $7,500	100%, $2,000
Delay	$750	-
Missed connection	$500	-
Medical Protection
Emergency	$50,000	$30,000
Evacuation	$100,000	$50,000
Repatriation	$100,000	$50,000
Baggage / Belongings
Baggage/personal items	$1,000	$1,000
Delay	$200	$300
Delay – Pet Care	$500	-
Additional Benefits
Car rental	$25,000	-
24/7 assistance	Yes	Yes
Accidents
Death	$10,000	$25,000
Dismemberment	$10,000	$25,000
Underwriter	Zurich American Insurance Co.	Starr Indemnity & Liability Co.

ANNUAL / MULTI-TRIP PLANS

The following are not covered under any policy:
- Suicide
- Mental, nervous, psychological disorders
- Acts committed while under the influence of drugs or alcohol
- Normal pregnancy
- Participation as a professional athlete
- Riding or driving in a motor competition
- Off-road driving
- Act of war
- Civil disorder
- Mountain climbing, bungee jumping, skydiving, parachuting, base jumping, cliff diving, hand gliding, parasailing, and more
This list of exclusions is not complete and is subject to change and vary by policy, jurisdiction, and more. Please read the policy carefully before accepting and signing.

Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.

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Travel Insurance Guide

AEGIS