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What Does Trip Insurance Cover? - 2021 Review

Travelers will frequently be offered Trip Insurance. They should always ask themselves – What does Trip Insurance cover?

Let’s take a look at some of the typical benefits that we see in our plans from the trip insurance carriers we work with at AARDY.

What does Trip Insurance Cover | AARDY.com

We suggest that when you travel, you should consider travel insurance. You can get an anonymous quote in seconds, and compare dozens of the top travel plans from many of the largest US travel insurers, saving you time and money finding the right travel plan for your needs.

Remember that each plan will be slightly different, and will have different cover levels. But once you know what is available, you ought to be able to see what covers works best for you.

What does Trip Insurance Cover?

In order to make life easier for travelers, almost every Travel Insurance Carrier will offer three different policies for travelers to choose from. Think of them as Silver, Gold or Platinum. In fact, some trip insurance companies name their policies in exactly that way - AIG Travel Guard is a great example.

Why does this matter? If you need a very basic level of cover, Silver is perfect.

Most people – in our experience around 70% of all customers – buy a Gold policy. If you have no real idea what you are looking for, then trust the wisdom of the crowd. Choose the middle of the three in every coverage group from one of our insurance carriers and you will have a solid policy.

Finally, a Platinum policy is suitable for someone who wants an enhanced level of cover. Typically, this is increased medical cover and evacuation cover. Finally, we see Cancel for Any Reason coverage incorporated into Platinum policies. This is an essential cover if a traveler wishes to use trip insurance to turn a Non-Refundable airline ticket into one with Refundable benefits. We have called this the Airline Ticket Hack.

What does Trip Insurance Cover? - Benefits

100% Trip Cost | Trip Cancellation: Reimburses forfeited, non-refundable, unused payments or deposits for trips that are canceled prior to the scheduled departure date.

Trip Cost | Trip Interruption: Reimburses forfeited, non-refundable, unused payments or deposits for trips that are interrupted after the scheduled departure date.

Trip Interruption - Return Air Only: Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions.

Trip Delay: Reimburses for reasonable additional expenses if the insured is delayed for more than five consecutive hours due to a covered reason.

**Missed Connection: **Reimburses if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for three or more hours to your point of departure.

Baggage & Personal Effects: Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip.

Baggage Delay: If your Baggage is delayed more than 12 hours, you can be reimbursed for the purchase of Necessary Personal Effects.

Accident Sickness Medical Expense*: Pays for necessary medical expenses due to Injury or Sickness incurred within one year of the date of the Injury or Sickness. Initial treatment must be received during Trip. Pays for emergency dental expenses during the trip due to injury to sound, natural teeth while on the trip. Covers medical and surgical treatment by a licensed physician; professional nursing, hospital, X-ray and ambulance services within one year of the Injury or Sickness provided initial treatment was received during the trip.

Emergency Evacuation and Repatriation of Remains*: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Pays for special medical escort if recommended in writing by the attending Physician.

Accidental Death & Dismemberment: Pays for loss of life or limb if it occurs within 365 days of an accident during your Trip.

Cancel for Any Reason: Will reimburse 50% of nonrefundable expenses if you cancel your Trip for any reason, up to 48 hours prior to your departure. (Cancel for any Reason can only be purchased at the time the base plan is purchased and within 15 days of initial trip payment. Cover must be purchased for the full cost of trip.)

Extra Cover

(when cover is purchased within 15 days of Initial Trip payment).

Note the time limit. It is critical to buy your trip insurance very soon after your initial trip deposit. 15 days is normal. In doing so, you will receive additional cover. If you are late with your trip insurance, then this additional cover will simply not apply. This always seems like a real waste – getting less benefit for your money, simply because of a late purchase of travel insurance.

  • Pre-Existing Medical Condition Exclusion Waiver (limitations will apply)
  • Trip Cancellation and Interruption coverage due to Financial Default of an airline, cruise line, or tour operator.
  • Accident Sickness Medical Expense (primary)
  • Baggage & Personal Effects (primary)

* Trip must be overnight and Destination must be at least 100 miles from the Insured's Primary Residence.

Pre-Existing Medical Condition Exclusion

The Carrier will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, Traveling Companion, Business Partner, or Family Member which, within the 90-day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.


The Carrier will waive the pre-existing medical condition exclusion if the following conditions are met:

  1. This plan is purchased within 15 days of making the Initial Trip Payment;
  2. The amount of coverage purchased equals all prepaid, non-refundable payments or deposits applicable to the Trip at the time of purchase, and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s);
  3. All Insureds are medically able to travel when plan cost is paid.

Assistance Services

Assistance Services are provided through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance: A menu of services available for emergency medical requests, including prescription replacement assistance, physician referrals, medical evacuations, and more.

Worldwide Travel Assistance: Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information and more.

Emergency Assistance: 24-hour hotline to make emergency travel changes, such as re-booking flights, hotel reservations, tracking lost luggage and more.

Business Assistant: You'll also have access to an array of services to help make short work of your business obligations, so you can enjoy your vacation.

You will note that there are a vast array of benefits and coverage incorporated into every Comprehensive Trip Insurance. Take the time to familiarize yourself with the benefits and usage conditions.

At AARDY we suggest that when you travel, you should consider travel insurance. You can get an anonymous quote in seconds, and compare dozens of the top travel plans from many of the largest US travel insurers, saving you time and money finding the right travel plan for your needs.

What many people do not know is that they won’t find the same flight insurance plans available at a better price – price certainty is guaranteed as a result of anti-discriminatory insurance law in the US.

Travel Insurance Comparison – Will I Pay More Buying Travel Insurance from a Comparison Website?

In short – a trip insurance quote for an insurance plan that you see from AARDY is the same price you would see from the insurance carrier direct – we are not allowed to compete on price for ‘filed’ insurance products. No one is. You are certain to get best value from us.

Safe travels.

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