What Is Travel Protection?

“At the end of the day, the goals are simple: safety and security.” — Judi Rell

Peace of mind, safety, and security ...

What Does Travel Protection Cover?

intelli.tours Academic knows that when all travelers are covered by a travel protection plan, everyone is safer, and journey personnel have the knowledge and security that they will be able to take care of anyone and everyone in the case of an emergency or other unforeseen event on the journey.

Here’s a sampling of just a few of the unforeseen events that a travel protection plan, based on the specific terms of the particular plan, will cover:

1.  Trip Cancellation

Based on the plan you select, Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses — often up to the value of the trip — should you need to cancel your trip before you depart for any of the covered reasons as outlined in the specific plan. 

This is not “Cancel for Any Reason” coverage, which is additional/optional coverage for an increased cost. 

RECOMMENDED

Trip Cancellation Coverage is not required for your journey.
This coverage is generally included with most plans. We consider it very wise to include this coverage. You may also wish to add “Cancel for Any Reason” coverage — generally an add-on at an additional cost — to protect your trip investment for a more comprehensive set of covered cancellation reasons up to a few days before departure. Additionally, you may wish to inquire about the inclusion of coverage for financial default that, based on the plan you select, could cover you in the event of the financial default of any supplier on your journey.


2. Trip Interruption 

Based on the plan you select, Trip Interruption Coverage — similar to Trip Cancellation Coverage — covers you on your journey once it has begun for mostly the same list of covered reasons. In other words, if something happens and you are required to return home before the scheduled end of the journey, the plan, based on the specifics, will reimburse you for the lost portion of your trip as well as any additional expenses for the last-minute flight home.

RECOMMENDED

Trip Interruption Coverage is not required for your journey.
This coverage is generally included with most plans up to 100% or more of the total trip cost. We consider this to be a wise coverage to include in your travel protection plan. A benefit amount is in excess of the total trip cost you have covered to cover the extra costs that may be associated with changing airline tickets, purchasing new airline tickets, or other costs.


3. Trip Delay

Based on the plan you select, Trip Delay Coverage provides you reimbursement for additional expenses such as lodging and meals if your flight is delayed after a specified number of hours.

REQUIRED 

Trip Delay Coverage of at least $150 a day with a minimum 6 hour delay timing is required for your journey. 

This coverage is generally included with most plans. Please be sure to check the daily amount and the number of hours of delay before the benefit takes effect. This is important coverage to have should there be a flight cancellation or lengthy delay. The benefit will cover, based on the plan specifics, a certain amount per day of delay after a certain number of hours of delay to include lodging, transportation, and food. We require a minimum of $150 per day for this coverage. The total benefit will vary by policy, and your total should cover at minimum of 2 days of benefits. For instance, at $150 per day, if the total benefit is $300, then it covers 2 days, as required. 


4. Medical Expenses

Based on the plan you select, Medical Expense Coverage will cover you for accidents and emergency medical and dental care on your journey.

Most US medical insurance is NOT accepted in Mexico

REQUIRED 

Medical Expenses Coverage of at least $15,000 is required for your journey. 
This coverage is generally included with most plans. This is imperative coverage to have to cover any medical expenses you may have on your journey. We require a minimum of $15,000 of coverage. We recommend a minimum $500 dental sublimit. Depending on the plan you choose, the medical coverage benefit will vary as will the dental sublimit.


5.  Emergency Evacuation

Based on the plan you select, Emergency Evacuation Coverage will pay for expenses such as airlifts and medically equipped flights back home. This coverage, if it references repatriation, will cover the repatriation of remains should such be necessary.

Most US medical insurance is NOT accepted in Mexico and will not cover this need.

REQUIRED 

Emergency Evacuation Coverage of at least $100,000 is required for your journeyThis coverage is generally included with most plans with medical coverage. This is imperative coverage to have to protect you in the case of medical emergency on your journey. We require a minimum of $100,000 of coverage. 


6. Baggage Delay

Based on the plan you select, Baggage Delay Coverage will reimburse you for the purchase of essential items such as a toiletry kit and a change of clothes until your delayed bag arrives.

RECOMMENDED

Baggage Delay Coverage is not required for your journey. This coverage is generally included with most plans with varying benefit amounts. There is also a time frame — generally 12 to 24 hours — for the bag to be delayed in order for the benefit to kick in. We recommend 12 hours for the delay time because American and United each have only have 1 flight a day from the US to Oaxaca.


Nothing in any examples or explanations above is intended to guarantee any specific coverage or benefit. All examples are speculative and merely informational. Your coverage and benefits will be per the specific terms and conditions of the travel protection plan that you select. Our minimum requirements are in no way an indication of what we believe or know may be necessary in the case of an emergency but rather are what we believe to be the absolute minimum that one should consider and are in line with what most policies offer. We assume no responsibility for any choice that you make regarding the purchase of any plan nor do we assume any responsibility for coverage you purchase that may have benefit amounts less than actual costs that maybe incurred. You are welcome to contact us to discuss the details of our required travel protection, but in all cases you should discuss the exact coverage, benefit amounts, and terms of the same with the travel protection plan provider you select.

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