TRAVELEX
Travel Insurance Review
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Travelex provides an extensive array of insurance plans to cater to your diverse needs. The comprehensive plan encompasses trip cancellation, interruption, delay, medical emergencies, AD&D, baggage coverage, and more.
Additionally, they offer standalone plans specifically designed for medical emergencies, AD&D, and USA travel. Optional upgrades enable you to customize your coverage with features like cancel for any reason, cancel for work, pre-existing conditions waiver, adventure sports, and more.
Rest assured, all coverages are supported by the reputable Berkshire Hathaway Specialty Insurance Company with its excellent credit rating.
CUSTOMIZABLE
Wide choice of plans to meet your insurance needs:
Comprehensive plans (travel protection and medical)
Flight plans
Medical plan
USA travel only plan
CANCELLATION OPTIONS
Cancel for any reason and cancel for work coverages available on their Select plan
ASSISTANCE
24/7 multi-lingual travel and medical assistance, and concierge services
EMERGENCY MEDICAL
Coverage offered is low compared to some competitors
DELAY COVERAGE
Some delay coverages contain higher delay thresholds (number of hours) compared to some competitors
FREE CHILD COVERAGE
Adult coverage automatically provides coverage to children 17 years and younger
POLICY COMPARISONS
COMPREHENSIVE TRIP PLANS
|
Highlights |
Comprehensive Trip Plans |
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|
Select |
Basic |
America |
|
|
General |
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|
Availability |
U.S. residents |
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|
Unavailable in these states |
CA & NY |
CA & NY |
- |
|
Geographic travel restrictions |
Outside USA |
Outside USA |
USA |
|
Free child coverage |
Included |
- |
Included |
|
Maximum trip length |
364 days |
30 days |
14 days |
|
Free look period |
15 days |
15 days |
21 days |
|
Trip Protection |
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|
Cancellation |
|||
|
Trip cost |
100%, $50,000 |
100%, $10,000 |
100%, $750 |
|
Interruption |
|||
|
Trip cost |
150%, $75,000 |
100%, $10,000 |
150%, $1,125 |
|
Delay |
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|
Delay - 5 hrs |
$2,000 ($200/day) |
$500 ($250/day) |
$2,000 |
|
Missed connection – 3 hrs |
$750 |
$500 |
$2,000 |
|
Medical Protection |
|||
|
Emergency Medical |
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|
Accident and sickness |
$50,000 |
$15,000 |
$50,000 |
|
Evacuation / repatriation |
$500,000 |
$100,000 |
$250,000 |
|
Dental |
$500 |
$500 |
|
|
Baggage / Belongings |
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|
Baggage/personal items |
$1,000 |
$500 |
$2,000 |
|
Delay – 12 hrs |
$200 |
$100 |
$1,000 |
|
Sporting equip. delay – 24 hrs |
$200 |
- |
- |
|
Sporting equip. delay – 12 hrs |
- |
- |
$2,000 |
|
Accidents |
|||
|
Death and Dismemberment |
$25,000 |
$10,000 |
$25,000 |
|
Additional Benefits |
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|
Travel assistance |
Included |
Included |
Included |
|
Medical assistance |
Included |
Included |
Included |
|
Concierge assistance |
Included |
Included |
Included |
|
Car rental collision |
- |
- |
$35,000 |
|
Early Purchase Benefits |
|||
|
Financial default |
100%, $50,000 |
100%, $10,000 |
- |
|
Pre-existing conditions waiver |
100%, $50,000 |
- |
Available |
|
Cancel for work reasons |
$50,000 |
- |
- |
|
Other Optional Upgrades |
|||
|
Cancel for any reason |
75%, $7,500 |
- |
- |
|
Car rental collision |
$35,000 |
$35,000 |
- |
|
Medical coverage |
$50,000 |
- |
- |
|
Evacuation / repatriation |
$500,000 |
- |
- |
|
Adventures sports waiver |
Additional activities |
- |
- |
|
AD&D – air flight only |
$200,000 |
$200,000 |
- |
|
Underwriter |
Berkshire Hathaway Specialty Insurance Company |
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FLIGHT PLANS
|
Highlights |
Flight Plans |
|
|
Insure Plus |
Insure |
|
|
General |
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|
Availability |
U.S. residents |
|
|
Unavailable in these states |
CA, CO, MT, NY |
CA, CO, NY |
|
Maximum trip length |
30 days |
180 days |
|
Free look period |
15 days |
15 days |
|
Trip Protection |
||
|
Interruption |
||
|
Transportation only |
$100 (Applies to WA residents only) |
|
|
Delay |
||
|
Missed connection – 3 hrs |
$50 |
- |
|
Medical Protection |
||
|
Emergency Medical |
||
|
Accident and sickness |
$10,000 |
- |
|
Evacuation / repatriation |
$100,000 |
- |
|
Dental |
$500 |
- |
|
Baggage / Belongings |
||
|
Baggage/personal items |
$1,000 |
- |
|
Delay – 12 hrs |
$500 |
- |
|
Accidents |
||
|
AD&D (you choose) |
$300k/$500k/$1,000,000 |
|
|
Additional Benefits |
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|
Travel assistance |
Included |
Included |
|
Medical assistance |
Included |
Included |
|
Concierge assistance |
Included |
Included |
|
Underwriter |
Berkshire Hathaway Specialty Insurance Co. |
|
MEDICAL PLAN
|
Highlights |
Medical Plan |
|
General |
|
|
Availability |
U.S. residents |
|
Maximum trip length |
30 days |
|
Free look period |
15 days |
|
Trip Protection |
|
|
Interruption |
100%, $1,000 |
|
Delay – 12 hrs |
$100 ($100/day) |
|
Missed connection – 3 hrs |
$250 |
|
Medical Protection |
|
|
Emergency Medical |
|
|
Accident and sickness |
$10,000 |
|
Evacuation / repatriation |
$100,000 |
|
Dental |
$500 |
|
Baggage / Belongings |
|
|
Baggage/personal items |
$1,000 |
|
Accidents |
|
|
AD&D (you choose) |
$10,000 |
|
Additional Benefits |
|
|
Travel assistance |
Included |
|
Medical assistance |
Included |
|
Concierge assistance |
Included |
|
Underwriter |
Berkshire Hathaway Specialty Insurance Co. |
-
The following is a sample list of exclusions and is subject to change and vary by policy, jurisdiction, and more. Please read the policy carefully before accepting and signing.
Intentional self-inflicted injury, suicide, or attempted suicide
Normal pregnancy
Childbirth
Adventure sports, unless otherwise covered under the policy
War or act of war
Civil disorder, riot, insurrection, or unrest
Criminal activity
Epidemic or pandemic, unless otherwise covered under the policy
Government regulation or prohibition
Insured’s travel documents do not contain specific departure and return dates
Costs of any medical treatment(s) scheduled prior to departure or any costs directly related to that medical treatment
Claims related to use of drugs or alcohol, except drugs prescribed by a physician and used as directed
Pre-existing medical conditions, unless otherwise covered under the policy
Routine physical examinations
Routine dental care
Elective treatment and procedures
Experimental or investigative treatment or procedures
and more
Note:
Travel to certain countries may not be covered. Please read your policy carefully before 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.
