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Unlock your ultimate confidence with our top-tier trip protection.

How our comprehensive travel insurance can help you

Big vacation plans deserve bigger benefits. We built our Ultimate plan with our highest levels of protection, so you — and your wallet — can be extra prepared for unexpected travel twists.

If you're planning a high-end trip …

Our Ultimate plan offers up to $50,000 in trip cancellation coverage.

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If you’re traveling as a family …

Kids-included pricing makes it easier to protect your whole crew.

See kids' coverage

If you want extra flexibility …

Ultimate offers all nine of our optional upgrades, like cancel for any reason.

Explore our upgrades

If you want 24/7 support …

You can count on our travel assistance provider anytime, anywhere.

See assistance benefit

Here's what you get

with our Ultimate plan

Why is Ultimate our best comprehensive travel insurance plan? It’s packed with our highest benefit levels to help support you even more if you have sudden mishaps. From trip cancellation to medical coverage, Ultimate doesn’t just have our best benefit limits — it gives you access to all nine upgrades to match your travel style, too.

Before you buy: Be sure to check all the requirements for benefits like kids-included pricing and the waiver of the pre-existing condition exclusion. If you’re eligible, you can get access to Ultimate’s exclusive benefits not available with our other plans.

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Benefit	Benefit Limit
Trip cancellation	Up to 100% of trip cost ($50,000 maximum)
Trip interruption	Up to 150% of trip cost ($75,000 maximum)
Travel delay	Up to $2,000 ($250 per day maximum)
Emergency medical*	Up to $250,000
Baggage and personal belongings	Up to $2,000 ($500 per item limit)

Our plan benefits and coverage details	Ultimate
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.	100% of trip cost ($50,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.	150% of trip cost ($75,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.	$2,000 ($250 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.	$2,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.	$500
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.	$750
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum	$600
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.	$1,000,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$250,000 *$50,000 for NH residents
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.	Included if plan is purchased within 21 days of first trip payment and full trip cost is insured
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.	90 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.	Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.	$25,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.	$25,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.	Yes
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.	Up to 180 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.	Available (75% of insured trip cost up to $7,500)
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.	Available (additional $250,000) Not available to NH residents
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.	Available (100% of insured trip cost up to $10,000)
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.	Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details
Ultimate
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
100% of trip cost ($50,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
150% of trip cost ($75,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$2,000 ($250 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$2,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$750
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum
$600
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$1,000,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$250,000 *$50,000 for NH residents
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
90 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$25,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$25,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
Yes
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
Available (75% of insured trip cost up to $7,500)
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000) Not available to NH residents
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
Available (100% of insured trip cost up to $10,000)
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Important:

^* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.

Why vacation with ourcomprehensive travel insurance?

You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.

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With up to nine optional upgrades like cancel for any reason and rental car damage, you can add coverage that fits your travel needs.

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25+ years’ experience

We’ve been helping our travelers have safer trips for decades — and we continue innovating with award-winning technology.

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24/7 travel support

Our assistance provider is here for you whenever and wherever you need help — from travel document replacement to finding emergency medical care on vacation.

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Get to know our coverage a little bit more

We give you lots of options so you can map out the best comprehensive travel insurance policy for your trip.

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Unpack our benefits

Dealing with a travel delay or an illness while you’re away? Our benefits can help with the unexpected costs so you can stay focused on the fun.

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Discover our upgrades

Make your coverage go the extra mile with our optional upgrades (You can access all nine with our Ultimate plan!) From adventure activities to rental car damage, you can protect your trip your way.

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Pack our Travel On app

Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.

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Want to help protect your trip like a pro? Read these before you get a quote.

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Need to calculate your trip cost?

Here’s our easy-to-follow guide to help you figure out what to include – and what you can leave out.

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Is this your new favorite travel app?

Our Travel On app offers more than just your coverage details; it can send you real-time safety alerts and teach you about your destination.

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Want to know more about our comprehensive travel insurance?

We’re here to help you understand the ins and outs of our inclusive coverage.

Comprehensive travel insurance has a broad range of benefits. It can cover a variety of situations that may come up while traveling, making it a more inclusive option for travelers looking for extensive coverage. Our comprehensive plans — Ultimate, Advantage, and Essential — offer a variety of benefits, from trip interruption to emergency medical expenses. We designed them to help protect you from a wider range of unexpected costs before and during your trip.

Unlike our on-trip and flight plans, our comprehensive travel insurance offers trip cancellation coverage that starts the day after you purchase your policy. With coverage before you leave home and while you’re traveling, you can be better protected even if you can’t go on your vacation.

Our Ultimate plan does more than just help protect you from common travel hiccups like delays, cancellations, illnesses, or injuries. Its extra benefits, higher limits, and all nine optional upgrades can give you extra confidence while traveling — especially if you’ve invested a lot in your vacation or are planning unique activities.

What else does our comprehensive travel insurance cover? Our Ultimate plan comes with support from our emergency assistance provider, available 24/7 via our Travel On app and assistance line.

Our Ultimate plan offers the same benefits as our other comprehensive plans — Advantage and Essential — plus much more.

With Ultimate, you can insure a higher trip cost and longer trip length, meaning you can get more money back for certain eligible expenses.

Here are some benefits available only with our Ultimate plan, which make it our best comprehensive travel insurance:

Kids-included pricing: Ultimate's comprehensive travel insurance includes coverage for one child 17 or younger per each insured adult traveler, making it a great option for family travel insurance (The child's trip cost must be the same or less than the adult's individual trip cost for coverage to apply. If you add upgrades to your policy, we'll charge each traveler for the upgrade premium.)
Trip inconvenience: If closed attractions, a closed beach, or cruise disablement interrupt your trip, you can receive a one-time payment up to $200.
Waiver of the pre-existing condition exclusion: You can have coverage for your pre-existing medical conditions with our Ultimate plan. To get the waiver, buy our Ultimate plan within 21 days of your first trip payment, insure your total trip cost, and be medically fit to travel at the time of purchase.
Nine optional upgrades: Exclusive to our Ultimate plan, you can choose to add our cancel for any reason, cancel for business reasons, and medical upgrades to your policy. Plus, we have six other upgrades available, so you can tailor your policy to the vacation you planned.

It can! Our Ultimate plan offers a waiver for the pre-existing medical condition exclusion, but you need to act fast to be eligible!

To qualify, you must:

Purchase the plan within 21 days of your initial trip payment.
Insure the full cost of your trip.
Be medically fit to travel at the time of purchase.

If you meet all requirements, Ultimate can help ensure you have coverage if your chronic health issues interfere with your trip.

Yes! Our Ultimate plan includes comprehensive cruise travel insurance so you can set sail with extra support.

Here are some ways Ultimate can help while you’re on a cruise:

If a flight delay causes you to miss the ship: Ultimate’s missed connection benefit can help you catch up to your floating paradise.
If you don’t feel well onboard: The plan’s emergency medical expense and evacuation benefits can help ensure you get the care you need, even if you’re out at sea.
If your cruise gets cut short: Our comprehensive cruise travel insurance can help with the costs for the parts of your trip you didn’t get to enjoy.

Our Ultimate Plan is ready to handle some serious travel budgets, with trip cancellation benefits extending up to $50,000 per person and a whopping $200,000 in total for all travelers on the same policy. Whether you’re planning a luxury cruise or a multi-country escapade, this plan is built to help keep your travel dreams on course.

Yes, it does! We include primary coverage with our Ultimate plan so you don’t have to juggle claims with your existing health insurance if you need medical care on vacation.

With up to $250,000 for emergency medical expenses and $1,000,000 for medical evacuation, our Ultimate plan helps you handle unexpected medical needs while you’re exploring the world.

Absolutely! Our Ultimate plan comes with a 21-day free look period (30 days in some states), giving you time to review the details.

If you decide it’s not the right fit and haven’t started your trip or filed a claim, you can cancel within this window and we can refund your premium.

It’s like a no-strings-attached trial for your travel protection — but it can pay off to keep your plan for your vacation!

If you need to cancel your trip, timing is everything. For standard trip cancellation benefits, you’ll need to cancel before your scheduled departure.

However, if you’ve added the cancel for any reason upgrade, you can cancel up to two days before departure and still recoup a portion of your trip costs. It’s flexibility designed for the unpredictable nature of travel.

There’s no “one price fits all” when it comes to travel insurance. The cost of your coverage depends on a few key details, like:

Where you live
Your age
How much your trip costs

It’s quick and easy to find out how much your comprehensive travel insurance costs with a free quote. Just head to the top of this page and pop in your trip destination to get started.

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