Travel Insurance

Protect your trip and your health with comprehensive travel insurance plans designed for international travelers.

Trip cancellation and interruption coverage

Emergency medical expense coverage

Baggage loss and delay protection

24-hour emergency assistance services

Air flight accident coverage

Rental car damage coverage

Encore Travel offers travel insurance programs underwritten by One Beacon Insurance, an A.M. Best "A" rated company. Our plans provide financial protection and 24-hour emergency assistance so you can travel with confidence.

Covered Emergencies

Sudden illness or accidental injury
Death of a family member
Natural disasters or severe weather
Airline strikes or mechanical failure
Jury duty or legal obligations
Home damage requiring your presence

Coverage and Services

These benefits pay you for losses incurred due to a covered emergency. Dollar limits depend on the plan selected.

Coverage

Travel Cancellation

Pays the cost of your trip when you must cancel due to a covered reason.

Travel Interruption

Covers sudden rearrangements required when a trip is interrupted mid-journey.

Travel Delay

If delayed more than 12 hours en route, pays for extra accommodations needed.

Baggage Loss Protection

Pays if your baggage or personal effects are lost, damaged, or stolen during your trip.

Baggage Delay

If baggage is delayed or misrouted more than 24 hours, reimburses emergency purchases of essential items and the cost to return your baggage.

Emergency Medical Expense

Required for entry to Belarus. Covers medical, surgical, dental, nursing, hospital, x-ray, ambulance, and prosthetic device costs if you become ill or injured while traveling.

Air Flight Accident

Pays for loss of life or limb resulting from an airliner accident during your trip.

Rental Car Damage

Primary coverage for damage to a rental car due to collision, theft, vandalism, windstorm, fire, hail, flood, or other causes not within your control.

Emergency Assistance Services

Once you purchase the program, you have access to 24-hour emergency assistance. Call the 24 Hour Center and they will coordinate help on your behalf — you are not alone in an emergency.

24-hour emergency hotline
Medical referral and evacuation coordination
Lost document assistance
Emergency cash transfer assistance
Legal referral services

Offered Plans and Their Benefits

We offer three plans with progressively greater benefits. Price is quoted based on number of travelers, age of travelers, and total trip cost.

Travel Basics

Essential protection for young, single travelers

Provides basic protection on a per-person basis. Most beneficial for young, single travelers. Sold to each traveler separately.

Pricing: Flat rate per person

Purchase by: Before trip departure

Silver Plan

Greater coverage priced per group

Offers greater coverages priced on a package basis — the same premium for 2, 3, or more travelers. Includes a waiver for severe illnesses of non-traveling family members. Ideal for single travelers seeking greater coverage and for those with a likelihood of family illness around the trip.

Pricing: One premium for the whole group ($15 discount for single traveler)

Purchase by: Final payment within 7 days of initial payment

Gold Plan

Maximum coverage for couples and families

Adds a waiver of pre-existing medical conditions for travelers and non-traveling family members. Trip Cancellation can be claimed on the basis of a family physician note — the condition does not need to be life-threatening. Ideal for busy couples and families planning vacations.

Pricing: One premium for the whole group ($15 discount for single traveler)

Purchase by: Final payment within 7 days of initial payment

Benefit Comparison

Benefit	Travel Basics	Silver Plan	Gold Plan
Trip Cancellation	100% Trip Cost	100% Trip Cost	100% Trip Cost
Trip Interruption	100% Trip Cost	150% Trip Cost	150% Trip Cost
Travel Delay	$300/person, $600 max/trip	$750/person, $1,500 max/trip	$750/person, $1,500 max/trip
Baggage Loss	$500/person, $1,000 max/trip	$1,000/person, $2,000 max/trip	$1,000/person, $2,000 max/trip
Baggage Delay	$100/person	$250/person, $1,000 max/trip	$250/person, $1,000 max/trip
Emergency Medical Expenses	$1,000/person, $2,000 max/trip	$10,000/person, $20,000 max/trip	$10,000/person, $20,000 max/trip
Rental Car Damage	$25,000 policy max	$25,000 policy max	$25,000 policy max
Air Flight Accident	Optional ($5/person) — $100,000/person, $250,000 policy max	$100,000/person, $250,000 policy max	$100,000/person, $250,000 policy max
Pre-Existing Condition Waiver	Not waived	Waived for non-traveling family members only	Waived for travelers and family members

All plans include 24-hour hotline assistance. Emergency Medical Expenses not available to Canadians. Rental Car Damage not available to OR, NY, or TX residents.

24-Hour Emergency Hotline

If you need emergency help for an available service, call 24 hours a day. Have your certificate number, your location, a local telephone number, and details of the situation ready. The assistance provider will confirm your enrollment and assist you.

Within the United States

(800) 888-8459

From anywhere else (call collect, country code 1)

(410) 257-5702

If you cannot call collect from your location, dial direct and give the assistance coordinator your telephone number and location — they will call you back.

Seek local help if your emergency is immediate and life-threatening, then contact the hotline as soon as reasonably possible.

24-hour hotline services become available when you actually start your trip. Services end at the earliest of: midnight on the day the program expires; when you reach your return destination; or when you complete your trip.

Available Services

Medical Referral

Call the hotline to obtain names of local qualified doctors who speak your language. The assistance provider can consult with the attending physician and provide further assistance as needed.

Emergency Cash

If your cash or travelers checks are lost or stolen, the assistance provider will help arrange an emergency cash transfer in currency or travelers checks. Funds must come from your major credit card(s) or from family and/or friends.

Legal Referral

Access or referrals to conveniently located attorneys during regular working hours. Assistance is also provided in obtaining bail bonds where customarily issued. You are responsible for contracted legal fees.

Lost Ticket & Passport Assistance

Referrals and information to assist in obtaining replacements for lost or stolen travel documents, passports, and tickets. Contact Encore Travel directly if possible so we can help you.

Emergency Prescription Refill

Assistance in obtaining a replacement prescription when medication is lost, stolen, or needs a refill. Carry your prescriptions with you or know how to reach your doctor. The cost of replacement medication is at your expense.

Emergency Medical Evacuation

If adequate medical facilities are not available locally, arrangements will be made for emergency evacuation under appropriate medical supervision to the nearest facility capable of providing adequate care.

Emergency Medical Repatriation

If medically necessary, arrangements will be made for additional transportation to return you to your point of departure, provided your condition will not substantially change within 7 days following hospital discharge.

Repatriation of Mortal Remains

In the event of your demise, every assistance will be rendered to obtain necessary clearances and arrange return of mortal remains to the city of permanent residence.

Transportation to Join Disabled Traveler

If you are traveling alone and hospitalized for more than 10 days, economy round-trip airfare to the place of hospitalization will be provided to a person of your choosing.

Return of Minor Children

If dependent children are left unattended due to your accident or illness, one-way economy airfare will be arranged for them to their place of residence. Qualified attendants will be provided without charge when required.

What Is Not Covered

Emergency evacuation and repatriation services are NOT provided for: suicide or intentionally self-inflicted harm; normal pregnancy or childbirth; mountain climbing; commission of unlawful acts; or use of drugs, narcotics, or alcohol unless administered on the advice of a doctor.

Exclusions

The following situations are excluded from coverage. Note that you would still be eligible to receive services from the 24-Hour Hotline even when a general exclusion applies.

Pre-Existing Conditions Exclusion

There is no coverage for any loss due to injury, sickness, or death of you or a family member if, during the 180 days preceding and including the certificate effective date, there was medical care, advice, consultation, or treatment received for the condition — or if symptoms were present, or if medication was adjusted. This exclusion applies whether the condition was known or diagnosed or not. It affects Trip Cancellation, Trip Interruption, Air Flight Accident, and Emergency Medical Expense coverage. It applies to you and all family members whether or not they are traveling with you. The Silver and Gold plans include waivers of this exclusion.

General Exclusions

Suicide, attempted suicide, or intentionally self-inflicted harm, while sane or insane
Pregnancy, childbirth, or elective abortion, other than unforeseen complications of pregnancy
Participation as a professional in athletics
Mountain climbing
Riding or driving in any motor competition
Declared or undeclared war or any act of war
Service in the armed forces of any country
Operating or learning to operate any aircraft as pilot or crew
Air travel on any air-supported device other than a regularly scheduled airline or air charter company
Loss or damage caused by detention, confiscation, or destruction by customs
Any unlawful acts committed by you or a family member
Nuclear reaction, radiation, or radioactive contamination
Civil disorder or riot (does not apply to Travel Delay coverage)
Use of drugs, narcotics, or alcohol, unless administered upon the advice of a doctor

Who Can Be Covered

Coverage is available for the traveler and their travel companions. The program is underwritten by One Beacon Insurance, an A.M. Best "A" rated company. Contact us for specific plan details and pricing.

Important Notice

To take full advantage of your benefits, keep copies of all receipts and any documentation of the emergency (airline notices, hotel notices, newspaper articles, etc.). You must notify the 24 Hour Center of your situation and intentions so they can assist you properly. Failure to do so may reduce your benefits.