Travel Basic is an individual travel protection insurance policy for U.S. residents taking overnight trips more than 100 miles from their primary residence.
Trips can be as long as 30 days and the maximum trip cost is $10,000 per person.
Travel Basic includes essential benefits for Trip Cancellation, Trip Interruption, medical expenses, baggage delay, missed connection, and more. Additional optional upgrades for AD&D Common Carrier (Air only) and Car-Rental Collision coverages are available to residents of most U.S. states.
The sooner you purchase this plan, the more coverage you get. If Travel Basic is purchased within 15 days of the initial trip payment, then additional coverages are available; these extra coverages are for a pre-existing medical condition exclusion waiver, trip cancellation or trip interruption due to financial default, and trip cancellation or trip interruption due to work reasons.
If you are not satisfied with the coverage, you have a 15 day look period* from the effective date to cancel the insurance coverage and get a refund; you must not have departed on your trip and there can be no claims filed.
Travel Basic is underwritten by Berkshire Hathaway Specialty Insurance Company, NAIC #22276, rated A++ "Superior" by A.M Best.
*Indiana residents have a 30 day look period.
The above is a generic description of the plan. Please review the applicable state specific Policy wording for complete details, including benefits, coverages, limitations, and exclusions.