Annual Travel Insurance Coverage Descriptions
Following are descriptions of the individual coverage benefits available through our annual travel insurance products. Please note, coverage levels and benefits vary with different plans.
Personal Assistance
Concierge
Enjoy personalized recommendations, assistance, and advice about your destination before and during your trip.
Business Concierge
Enjoy access to a service providing travel information, destination assistance, and a variety of business services, including equipment rental, translation, and messenger services.
24 – Hour Hotline
Call for instant assistance—anytime, anywhere—for any travel emergency.
Vehicle Return Benefit
Cover the cost of returning your car to your residence in case an injury or illness prevents you from driving back
Financial Protection
Trip Cancellation *
Recoup certain non-refundable trip costs if you need to call off your trip for a covered reason.
Trip Interruption *
Get reimbursed for certain costs if covered unforeseen circumstances cut your travels short.
Change Fee Coverage *
Covers airline fees if you need to make a change to your flight ticket for a covered reason.
Travel Delay *
Cover reasonable costs of additional meals and lodging if your trip is delayed more than six hours due to a covered reason.
Travel Accident *
Provides coverage for accidental loss of life, limb or eyesight while traveling.
Missed Connection *
Cover certain expenses to help you catch up to your tour or cruise if you miss a connection for a covered reason.
Collision/Loss Damage *
Protect against certain costs if your rental car is damaged or stolen.
Flight Insurance *
Provides coverage for loss of life, limb or eyesight while traveling on a certified passenger aircraft during a regularly scheduled trip or charter.
Air Ticket Protection
Receive coverage for ticket change fees (an additional Trip Cancellation and Trip Interruption benefit).
Business Equipment Rental
Cover the costs of renting replacement equipment if yours is stolen or lost, delayed, or damaged by your common carrier.
Medical Protection
Emergency Medical/Dental Coverage *
Cover certain costs for a medical or dental emergency during your journey.
Emergency Medical Transportation (Medical Evacuation)
Get safe transport to the nearest appropriate medical facility to receive emergency care.
Pre-existing Conditions Exclusion Waiver
Receive coverage even if you have a pre-existing medical condition. (Certain restrictions apply.)
Property Protection
Baggage Loss/Damage *
Covers lost, stolen or damaged baggage such as luggage and personal possessions.
Baggage Delay *
Get reimbursed for essentials if your luggage is delayed for at least 24 hours.
Business Equipment
Get reimbursement for or repair of your business equipment if it’s stolen, or if your common carrier loses or damages it.
Online Assistance
Online Policy Modification
View, modify, and cancel your policy anytime on the Access America website.
Online Claim Filing & Tracking
File a claim and track its status on the Access America website.
International Assistance Website
Get access to comprehensive online resources with information about local medical providers, travel advisories, and security items.
* Insurance benefit underwritten by BCS Insurance Company under Master Policy 52.201 or 52.401.
** Certain restrictions apply to each benefit listed above. Different coverage plans include different benefits. Please refer to your coverage benefits, terms, conditions, and exclusions found in your policy package.
Covered Suppliers Financial Default Coverage offered through Elvia, as part of certain coverages is limited to specified travel suppliers. List of covered suppliers.
