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  • Leisure Vacation – a trip, cruise or tour consisting of any number of activities and types of arrangements for the purpose of relaxing/recharging and simply enjoying life
  • Business Trip – a job or work related trip to attend a meeting, seminar, convention or similar activity
  • Golf Vacation – a golf focused trip
  • Ski Vacation – a ski focused trip
  • Adventure Sports – a trip focused on sports such as mountaineering, scuba diving, caving and similar adventure sport type activities
  • Timeshare Vacation – a trip including arrangements at a timeshare property unit booked using timeshare points, weeks etc.
  • Vacation Rental – a trip including travel arrangements at a vacation rental property or resort
 
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Asset
Not Eligible
Bridge
Not Eligible
Complete
Not Eligible
Please Note: Plan benefits, limits, and provisions may vary by state or jurisdiction. All travelers on a plan must reside in the same state.
Coverage For Your Arrangements – Benefit Limits
Plan Asset Bridge Complete
Trip Cancellation Trip Cost Trip Cost Trip Cost
Trip Interruption 125% of Trip Cost 150% of Trip Cost 200% of Trip Cost
Missed Connection $1,000 $1,500 $1,500
Trip/Travel Delay $750 $1,000 $1,000
Per Day Maximum Limit $150 $200 $200
Required minimum delay time 6 Hours 6 Hours 6 Hours
Itinerary Change $250 $250 $250
Cancel For Any Reason Not Included Not Included 75% of Non-Refundable Trip Cost
Coverage For You – Benefit Limits
Plan Asset Bridge Complete
Medical Expense / Emergency Assistance      
Accident & Sickness Medical Expense $50,000 $100,000 $250,000
Emergency Dental Expense $750 $750 $750
Emergency Medical Evacuation &
Return of Remains
$500,000 $500,000 $500,000
Non-Medical Emergency Evacuation $25,000 $25,000 $25,000
Accidental Death & Dismemberment      
24 Hour Coverage during Trip $25,000 $25,000 $25,000
Coverage For Your Belongings – Benefit Limits
Plan Asset Bridge Complete
Baggage & Personal Effects $1,500 $2,000 $2,000
Baggage Delay $250 $400 $400
Per Day Maximum Limit No Daily Limit $200 $200
Required minimum delay time 12 Hours 12 Hours 12 Hours
Coverage For Your Activities - Benefit Limits
Plan Asset Bridge Complete
Lost Golf Rounds Not Included Not Included Not Included
Required minimum delay time Not Applicable Not Applicable Not Applicable
Sports Coverage See Optional Benefits below See Optional Benefits below See Optional Benefits below
Sports Equipment Rental See Optional Benefits below See Optional Benefits below See Optional Benefits below
Per Day Maximum Limit Not Applicable Not Applicable Not Applicable
Required minimum delay time Not Applicable Not Applicable Not Applicable
Property Damage Liability Not Included Not Included Not Included
Vehicle Breakdown or Disablement Not Included Not Included Not Included
Required minimum delay time Not Applicable Not Applicable Not Applicable
Coverage For Your Travel Arrangements – Benefit Provisions
Plan Asset Bridge Complete
Trip Cancellation or Interruption Due to:      
Sickness, Injury or Death
A Pre-Existing Medical Condition
Required time period for purchase Within 15 days of initial deposit Within 15 days of initial deposit Within 15 days of initial deposit
Common Carrier Delay/Cancellation:      
Unannounced strike
Mechanical breakdown
Bad weather
Residence, destination or workplace made uninhabitable by fire, flood, or natural disaster      
Residence
Destination
Workplace
Involuntary termination of employment
1 year continuous employment

1 year continuous employment

1 year continuous employment
Permanent transfer of employment
Being hijacked, quarantined or jury duty
Death/hospitalization of Host at destination
Traffic accident while en route to departure
Bankruptcy or default of a travel supplier
Required time period for bankruptcy/default More than 14 days after purchase More than 14 days after purchase More than 14 days after purchase
A Terrorist Incident
Documented theft of passports or visas
Military personnel called to emergency duty for a natural disaster
Revocation of previously granted military leave
Documented work reasons
Mandatory evacuation due to bad weather or natural disaster
A hurricane warning being issued for your trip destination
Your normal pregnancy as long as the pregnancy occurs after Your effective date
Attending a Family Member’s childbirth if pregnancy occurs after your effective date
Trip Cancellation reimburses:      
Extension of primary or secondary school year into Your trip dates due to unforeseen events
Prepaid, forfeited, non-refundable trip payments or deposits
Airline reissue fees or frequent flyer fees due to covered reasons
Up to $150

Up to $150

Up to $150
Single Occupancy Upgrade charges incurred due to a covered reason
Trip Interruption reimburses:      
Prepaid, unused, non-refundable land or water travel arrangements
Additional airfare expense to return home, or to join/rejoin the trip
Single Occupancy Upgrade charges incurred due to a covered reason
Missed Connection Due to:      
Any Common Carrier caused delay
Missed Connection reimburses:      
Additional transportation cost to join the trip
Reasonable accommodations and meal expenses
Unused portion of the prepaid expenses for covered travel arrangements
Trip or Travel Delay Due to:      
Common Carrier Delay
Involvement in traffic accident en route to departure
Lost/stolen passports, travel documents or money, civil commotion or riot.
A documented road closure by authorities
Trip/Travel Delay reimburses:      
Additional meal and accommodation expenses
Local transportation expenses
Itinerary Change due to:      
A change to your itinerary made by your cruise/tour supplier
Itinerary Change reimburses:      
Prepaid, forfeited, non-refundable event/activity payments
Up to $250

Up to $250

Up to $250
Cancel For Any Reason Benefit Eligibility:      
Required time period for purchase Not Applicable Not Applicable Within 15 days of initial deposit
Required insurance amount Not Applicable Not Applicable Total Cost of all Travel Arrangements with Penalties/Restrictions
Required time period for cancellation Not Applicable Not Applicable 2 days or more before scheduled departure
Coverage For You – Benefit Provisions
Plan Asset Bridge Complete
Accident & Sickness Medical Expense due to:      
Injury or Sickness occurring during the trip
Pre-Existing Medical Conditions
Required time period for purchase Within 15 days of initial deposit Within 15 days of initial deposit Within 15 days of initial deposit
Accident & Sickness Medical Expense reimburses:      
On a Primary or Excess Basis Primary (on trip expenses) Primary (on trip expenses) Primary (on trip expenses)
Services of a physician; prescribed drugs, prosthetics and therapeutic services/supplies
Emergency dental expenses
Hospital services
Ambulance transportation to and/or from a hospital
Medical Evacuation due to:      
Injury or Sickness when appropriate care, treatment or facilities are not available locally
Medical Evacuation reimburses:      
Medically required transportation expenses to a Hospital for care and treatment or home
Transportation expenses to return an unattended dependent home due to a hospitalization
(More than 7 days)

(More than 7 days)

(More than 7 days)
Transportation expenses for a bedside visit when hospitalized
(More than 7 days)

(More than 7 days)

(More than 7 days)
Return of Remains due to:      
Death occurring during a trip
Return of Remains reimburses:      
Transportation and preparation expenses for return of remains home
Non-Medical Emergency Evacuation due to:      
Natural disaster, civil, military or political unrest
Being expelled or declared a person non-grata by a country
Non-Medical Emergency Evacuation reimburses:      
Transportation expenses to the nearest place of safety or to your home
Coverage For Your Belongings – Benefit Provisions
Plan Asset Bridge Complete
Baggage & Personal Effects loss or damage due to:      
Loss, theft or damage
Baggage & Personal Effects reimburses:      
Cost to replace clothing and other personal articles
Cost to replace lost/stolen passports or visas
Maximum Sublimit for loss to jewelry, furs, cameras & accessories, etc. $600 $600 $600
Per Article Maximum Limit $300 $300 $300
Baggage Delay due to:      
Misdirection by a Common Carrier
Baggage Delay reimburses:      
Cost of necessary personal items purchased during the delay
Coverage For Your Activities - Benefit Provisions
Plan Asset Bridge Complete
Property Damage Reimburses:      
Accidents occuring during occupancy of Your trip Not Applicable Not Applicable Not Applicable
Vehicle Breakdown or Disablement Reimburses:      
due to a collision or mechanical breakdown that prevents continued driving of Your Covered Vehicle or a Rental Car You rent while on Your Trip Not Applicable Not Applicable Not Applicable
Sports Coverage Reimburses:      
For Trip Cancellation or Interruption: reimburses costs of unused, non-refundable payments arranged separately from the vacation for pre-paid lift tickets or green fees (as applicable), equipment rentals and lessons See Optional Benefits below See Optional Benefits below See Optional Benefits below
Lost Golf Rounds Reimburses:      
Up to the maximum amount shown in the Schedule of Benefits if Your round is delayed more than 3 hours on the day of play, for the pro-rata value of Your prepaid Golf tickets or greens fees for each lost day of Golf during Your Trip. Not Applicable Not Applicable Not Applicable
24 Hour Worldwide Assistance Services
Plan Asset Bridge Complete
24 Hour Medical Assistance Services:      
24 Hour Emergency Medical Hotline
Medical consultation and monitoring when you are hospitalized
Coordinate medical evacuation arrangements
Help with replacing lost/stolen prescriptions
Help arranging for return of remains
Nurse Helpline for general health information before and during your trip
24 Hour Travel Assistance Services      
Sending emergency messages to friends, family or business associates
Language interpretation services
Help with emergency cash transfers
Passport/Visa, vaccinations, & travel health Information
Help with replacing lost/stolen tickets or travel documents
24 Hour Concierge Services      
Restaurant and shopping recommendations or reservations
Local transport, reservations, sports, theatre, & event information/ticketing
Golf course referrals & tee times
Baggage tracking/assistance
24 Hour Business Assistance Services      
Assistance with emergency communications
Assistance with locating available business services
Telephone or web conference assistance
Information about weather conditions, travel delays & flight status
Emergency travel arrangements
Optional Benefits Available
Plan Asset Bridge Complete
Air Flight Accidental Death & Dismemberment Additional Cost: $10, $25, $50 Additional Cost: $10, $25, $50 Additional Cost: $10, $25, $50
Covers You while riding as a passenger on or boarding or alighting from a regularly scheduled airline flight $100,000, $250,000, & $500,000 Available $100,000, $250,000, & $500,000 Available $100,000, $250,000, & $500,000 Available
Sports Upgrade Pac Additional Cost: $25 Additional Cost: $25 Additional Cost: $25
Maximum Benefit Limit $1000 $1000 $1000
For Baggage Delay: expenses for rental of sporting equipment
For Trip Cancellation or Interruption: non-refundable cost of pre-paid lift tickets, greens fees, equipment rentals and lessons
Rental Car Damage (Collision Damage Waiver) Additional Cost: $7 per day Additional Cost: $7 per day Additional Cost: $7 per day
Covers loss or damage to a rental car due to collision, fire, theft, windstorm, vandalism, hail, flood or other causes not within Your control while the car is in Your possession $35,000 Primary Coverage $35,000 Primary Coverage $35,000 Primary Coverage
Extended Personal Property Pac Additional Cost: $15 Additional Cost: $15 Additional Cost: $15
Covers loss or damage to cell phones, laptops, tablets, and PDA's ($100 deductible applies) and Sports Equipment Rental $1,000 $1,000 $1,000
Covers personal computers and their accessories, professional or occupational equipment or property and telephones
($100 deductible applies)
$1,000 $1,000 $1,000

Highlight Differences

Asset
Bridge
Complete