Anywhere Assurance 250

Anywhere Assurance 250 is an excellent option for travelers who want enhanced protection without stepping up to a premium plan. It provides higher medical coverage, stronger trip cancellation and interruption benefits, and essential protections for common travel disruptions. If you become sick or injured, need to cancel your trip, or experience baggage delays, the plan offers reliable support. It’s a well-balanced choice designed to help you travel confidently, no matter where your journey leads.

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Certificates

Highlights

Trip Cancellation, Interruption, Delay, and Missed Connection
Up to $250,000 of Primary Medical coverage with option to add $500,000
COVID-19, SARS-CoV-2 are covered and treated as any other sickness
Emergency Evacuation and Repatriation
Lost Baggage and Baggage Delay
Traveler Lounge Pass/ Runway Health pre-travel medication rediness
Online Claims Administration

Eligibility

Valid for US Residents up to age 80 traveling within the U.S and/or internationally
Plan is available for purchase 545 days in advance of departure/Coverage for a maximum of 90 days
Plan must be purchased prior to departure from the US
Plan rates are per person, based on trip costs, number of days and age of traveler at the time of purchase
This plan is not available for travel to Ukraine, Cuba, Haiti or any OFAC restricted countries

Benefits of Coverage

Trip Protection

Trip Cancellation 100% of Trip Cost Insured Maximum Benefit: $25,000 \| Maximum Trip Length: 90 Days
Trip Interruption Up to 125% of Trip Cost \| Maximum Benefit: $31,250
Missed Connection Up to $500 for delay of 3 hours of all regularly scheduled airline flights
Trip Delay Up to $500 ($150 per day) for delays of 6 hours or more
Optional Rental Property Damage Up to $2,500 - Not available in All states.

Additional

Optional Rental Car Damage

$75,000 | $100 Deductible

Medical

Emergency Accident & Sickness Medical Expense Primary $250,000 Limit \| $1,000 Deductible Dental Expense Only: Up to $750
Optional Medical Upgrade with Adventure and Extreme Sports Increases Medical Maximum to $500,000 and adds Adventure Sports and Extreme Sports Medical Coverage

Emergency Evacuation/Repatriation

Emergency Medical Evacuation Up to $500,000 7 Days Hospitalized to trigger additional benefits, see policy for details Hospital Companion $1,000
Repatriation of Mortal Remains Up to $500,000

Protection for Belongings

Baggage & Personal Effects Up to $2,500 per Covered Trip \| Deductible: $0 \| Per Article Limit: Up to $250
Optional Baggage and Personal Effects Add benefit for up to $5,000 for Electronics
Baggage Delay Minimum 8 hours delay \| Maximum $500

Accidental Death

Accidental Death & Dismemberment Up to $10,000 Principal Sum
Optional AD&D Flight Only Up to $50,000 Principal Sum

24/7 Assistance

Non Insurance Assistance Services

Included - 24/7 Worldwide Assistance | Runway Health | Traveler Lounge Pass

Note/Message

Free Look

This plan has a Free Look period where you may cancel the insurance and receive a refund of premium provided no claim has been filed and you have not left on your trip. The number of "Free Look" days varies by state. See Plan Documents for details.

Note: Benefits may vary by state, please refer to your State Specific Certificate of Insurance for full plan details.

Plan Definitions

TRIP CANCELLATION

The plan will reimburse you if you are prevented from taking your covered trip due to any of the unforeseen Events listed on your plan. The event must occur before you depart on your covered trip and while your coverage is in effect. Covered expenses include a. Forfeited, prepaid, non-refundable, and non-refunded published payments or deposits that you paid for Your unused trip.
TRIP INTERRUPTION

If you or your traveling companion, booked to travel with you, are prevented from continuing or resuming your trip due to unforeseen circumstances such as sickness, injury, death, strike, bankruptcy, terrorist attack, called to military duty, subpoenaed for jury duty. Please see your state certificate for details.
TRIP DELAY

If you are delayed for 12 or more hours, while in route to or from your trip due to a defined unforeseen event such as delay of common carrier, traffic accident, weather, stolen passports or visas, quarantine, hijacking, unannounced strike, mandatory evacuation order due to a natural disaster, adverse weather or natural disaster resulting in the obstruction of public roadways or curtailment of public transportation. We will reimburse you, up to the plan maximum for covered additional expenses on a one-time basis.
BAGGAGE DELAY

For the expense of replacing necessary personal effects if your checked baggage is delayed or misdirected by a Common Carrier while on your trip. Primary Coverage.
BAGGAGE/PERSONAL EFFECTS

For the loss, theft or damage to baggage and personal effects while checked with a Common Carrier during your trip.
MISSED CONNECTION

If you miss your cruise or tour departure, scheduled during your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather. Coverage is secondary to any compensation provided by a Common Carrier.
TRAVEL MEDICAL AND DENTAL EXPENSE

For necessary covered expenses while on your covered trip and as a result of an accidental injury or emergency sickness that first manifests itself during the covered trip and the initial documented treatment is given by a physician during this trip.
OPTIONAL ADVENTURE SPORTS AND EXTREME SPORTS MEDICAL COVERAGE

If purchased, $10,000 (not available in NY)
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

Exclusion is waived if coverage is purchased within 14 days of the initial
trip deposit date, and the full, non-refundable trip cost is insured, and you are medically able to travel on the policy effective date.
EMERGENCY EVACUATION & REPATRIATION OF REMAINS

If You suffer an accidental injury or emergency sickness that warrants your emergency medical evacuation while you are on a covered trip. Covers medically necessary transportation, including reasonable and customary medical services and supplies incurred in connection with your emergency medical evacuation. Expenses for transportation must be: a. recommended by the attending physician; b. Required by the standard regulations of the conveyance transporting You; and c. Reviewed and pre-approved by our assistance company.

If you die due to an accidental injury or covered sickness during the covered trip covers costs to return your body to your primary residence.
OPTIONAL RENTAL CAR DAMAGE

We will reimburse you for the cost of repairs and rental charges imposed by the rental company while the car is being repaired, the actual cash value of the car or the maximum benefit. You must be a licensed driver and listed on the rental agreement in order for coverage to apply.
OPTIONAL RENTAL PROPERTY DAMAGE COVERAGE

For direct physical damage to Covered Real or Personal Property within the unit You occupy while on Your Trip due to Your inadvertent acts or omissions.
CANCELLATION FOR REFUND DURING FREE LOOK PERIOD

This plan has a free look period where you may cancel the insurance and receive a refund of premium provided no claim has been filed and you have not left on your trip. FREE LOOK PERIOD~ is 14 days except in the following states: Arkansas, Arizona, Delaware, Georgia, New York, Washington 10 day Free Look; Texas 15 day Free Look; Florida 21 day Free Look; Idaho, Indiana 30 day Free Look. After the Free Look period has expired the insured may cancel their policy ONLY if the Travel Supplier has cancelled the entire trip, the trip has not started, and no claims have been filled or intend to be filed for a pro-rata refund.

When calculating the free look period, the date of purchase is counted as day 1. Documentation can be submitted to:

info@anywhereassurance.com

If travel has started, the premium is non-refundable.