Insurance Information

Schedule of Insurance Benefits

Benefits Maximum Benefit
Trip Cancellation Trip Cost
Trip Interruption Trip Cost
Missed Connection $500
Travel Delay (12 Hours or More) $100 Per Day$500 Maximum
Cancel For Any Reason Benefit (Optional)* 75% of Non-Refundable Trip Cost
Medical Expense/Emergency Evacuation
Accident & Sickness Medical Expense $25000
Emergency Evacuation & Repatriation $50000
Accidental Death and Dismemberment $25000
Baggage & Personal Effects $1500
Baggage Delay (More than 24 Hours) $200

*Not available to residents of the State of New York.

Information you need to know

Benefits are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all insurance coverages. This advertisement does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits; limits; and provisions may vary by state jurisdiction. To review full plan details online, go to: Plan Payments are made up of Insurance Benefits and Non-Insurance Services.

You may cancel this Plan by giving Isram Israel written notice within the first to occur of the following: (a) 10 days from the Effective Date of Your insurance; or (b) Your Scheduled Departure Date. If You do this; We will refund Your Plan payment provided no Insured has filed a claim under the Plan.

Benefit Summary

Protects the prepaid cost of Your covered travel arrangements for Your Trip in the event You have to cancel due to a covered reason (see next panel for a summary of covered reasons).

Provides You with a reimbursement for the unused land or water travel arrangements for Your Trip; plus the additional airfare cost to return home; if Your Trip is interrupted for a covered reason (see next panel for a summary of covered reasons).

Provides You with a reimbursement for the unused portions of Your travel arrangements; plus the additional costs to join Your trip; if Your arrival at the Trip destination is delayed for 3 hours or more for a covered reason.

Assists with additional travel expenses incurred when You are delayed at least 12 hours due to a covered reason. In the event of a covered delay; You will be reimbursed for additional expenses for hotels; meals; and transportation.

Provides Medical Expense benefits for a covered Sickness or Injury incurred while on Your Trip. When required; We will evacuate You to the nearest qualified hospital and will then return You home when You are safe to travel.

Provides coverage up to the maximum benefit payable for loss of life; limb or sight resulting from an Accidental Injury occurring during Your Trip.

Provides reimbursement when Your baggage or personal belongings are damaged; lost or stolen during Your Trip. Personal belongings include such things as loss of luggage; jewelry; passports or travel visas.

Provides reimbursement for the purchase of necessary personal items such as change of clothes and toiletries if Your checked Baggage is delayed 24 hours or more.

Coverage Summary


The Travel Protection Plan allows You to cancel or interrupt Your Trip for many covered reasons; such as:

Sickness; Injury; or death of You; a Family Member; Traveling Companion; or Business Partner;

Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire; flood; burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result;

a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

You or Your Traveling Companion being directly involved in a traffic accident; substantiated by a police report; while en route to Your scheduled point of departure;

a permanent transfer of employment of 250 miles or more;

Unannounced Strike; mechanical breakdown or Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;

involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;

You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war.


Applicable only if the appropriate additional premium has been paid. If you cancel Your Trip for any reason not otherwise covered by this Plan; benefits will be paid for 75% of the Prepaid; forfeited; non-refundable Payments or Deposits You paid for Your Trip provided: a) Your payment for this Plan is received within 7 days of the date Your initial Payment or Deposit for Your Trip is received; and b) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date. This Cancel For Any Reason Benefit does not cover: 1) penalties associated with any air or other travel arrangements not provided by Isram Israel; or 2) the failure of Isram Israel to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.


Limitations & Exclusions

This plan does not cover Loss caused by or resulting from:

  • suicide; attempted suicide or any intentionally self-inflicted injury of You; a Traveling Companion; Family Member or Business Partner booked to travel with You; while sane or insane;
  • an act of declared or undeclared war;
  • participating in maneuvers or training exercises of an armed service; except while participating in weekend or summer training for the reserve forces of the United States; including the National Guard;
  • riding or driving in races; or speed or endurance competitions or events;
  • mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks; ropes; or other special equipment);
  • participating as a professional in a stunt; athletic or sporting event or competition;
  • participating in skydiving or parachuting except parasailing; hang gliding; bungee cord jumping; extreme skiing; skiing outside marked trails or heli-skiing; any race; speed contests; spelunking or caving; or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;
  • piloting or learning to pilot or acting as a member of the crew of any aircraft;
  • being Intoxicated as defined herein; or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;
  • the commission of or attempt to commit a felony or being engaged in an illegal occupation;
  • normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;
  • dental treatment (except as coverage is otherwise specifically provided herein);
  • due to a Pre-Existing Condition, as defined in the Plan. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or Return of Remains coverage;
  • any amount paid or payable under any Worker’s Compensation; Disability Benefit or similar law;
  • a loss or damage caused by detention; confiscation or destruction by customs;
  • Elective Treatment and Procedures;
  • medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment; 18. a mental or nervous condition; unless hospitalized for that condition while the Plan is in effect for You; or
  • a loss that results from a Sickness; Injury; disease or other condition; event or circumstance which occurs at a time when the Plan is not in effect for You.
  • Bankruptcy or Default or failure to supply services by a supplier of travel services.

Non-Insurance Services

  • One Call 24-Hour Assistance Service
  • Global Xpi Medical Records Services

One Call Worldwide Travel Services Network

Multi-lingual professionals are available 24 hours a day to provide help; advice and referrals for medical emergencies. We will help you locate local physicians; dentists; or medical facilities; and provide services for:

  • Medical Consultation and Monitoring
  • Medical Evacuation Arrangements
  • Emergency Medical Payments
  • Prescription Assistance
  • Repatriation of Remains
  • 24 Hour Legal Assistance
  • Nurse Helpline
  • Message Services
  • Language Interpretation Services
  • Emergency Cash Transfer
  • Pre-Trip Travel Services
  • Travel Document and Ticket Replacement

A complete list of these services is included in your Plan Documents. To contact One Call:

Within U.S.A. & Canada Outside U.S.A. & Canada
1-800-555-9095 1-603-894-4710


With Global Xpi, you can relax knowing your important medical records are available to you or any Physician chosen by you, at any time; anywhere in the world; wherever internet access is available. Register at or call; toll free:
1-800-379-9887 Use Program Code F415A

These Services are Provided by: GlobalXpi,aTripMatebrand.

Customer Service and Claims

Have questions or need to report a claim? You can call us toll-free at the number listed below. You can also view many Frequently Asked Questions, report and complete your claim(s) online at or call 1-800-888-7292.

Insurance Benefits are underwritten by: United States Fire Insurance Company; 5 Christopher Way; 3rd Flr; Eatontown; NJ 07724 under Policy Form Series T210. The Plan # is F415A

Non-Insurance Services: are not insurance benefits underwritten by United States Fire Insurance Company. One Call 24-Hour Assistance Services are provided by: One Call Worldwide Travel Services Network and Global Xpi Medical Records Services are provided by Trip Mate.

Plan Administrator: Trip Mate; Inc. (in CA & UT; dba Trip Mate Insurance Agency) 9225 Ward Parkway; Suite 200; Kansas City; MO 64114; 1-800-888-7292.

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