To purchase a trip insurance plan from Global Trip Protection, your group must consist of 10 or more people. There are two travel insurance coverage tiers, and Essential is the plan on the lower tier.
Benefits Of The Essential Plan
The main benefit is that you get essential travel insurance provisions for an affordable cost. With a group rate, you may pay less per person than you would if you each purchased your own policy from a different provider for similar features. If you do not require extensive maximums for each person, this plan is the ideal choice for your budget. For an extra fee, you can upgrade or include several plan provisions.
Disadvantages Of The Essential Plan
In most instances, upgrading to the Pro tier may not cost much more than opting for the Essential tier. With Essential coverage, you cannot cancel the trip for any reason and be covered. You must have approved financial, catastrophic or medical reasons and supporting documentation. If a few people in your group simply decide that they do not want to travel, the remaining travelers could be left in a bind. Although the plan does not include accidental death or dismemberment on air or land, you can add this coverage for air travel only for an extra fee. The plan does not cover sports hazards or equipment. If you are traveling for advanced skiing or another potentially dangerous sport, you may want to upgrade to the Pro tier.
What The Essential Plan Includes
If you have to cancel the trip for a qualified reason, it is covered up to 100 percent. Post-departure trip interruptions are covered up to 100 percent, and return only interruptions (meaning if you used $0 as your trip cost when quoting) are covered up to $500 per person. After a delay of six or more hours, missed connections are covered up to $200 daily. Delays exceeding 12 hours are covered up to $100 per day with a maximum payout of $500. The plan also includes these benefits:
- Evacuation and repatriation up to $150,000
- Emergency accident, sickness and dental care up to $15,000
- Lost or stolen baggage up to $750
- Baggage delay up to $200 after 24 hours
- Worldwide travel assistance
- Business assistance
- Concierge service
- Fourteen day free look period
There are security assistance services of up to $100,000. You can be eligible for a preexisting medical conditions waiver within 21 days of making the initial deposit for your trip. Also, you can choose individual upgrades such as $25,000 for rental car damage, an extra $15,000 for medical care, an extra $150,000 for emergency evacuation and air-based accidental death and dismemberment up to $25,000.
When you shop for group travel insurance, be sure to read the fine print of any policy. Know the per-person limits versus plan limits to be sure that you purchase adequate coverage.
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