Access America Insurance Plan Comparisons - Effective April 2007
Basic, Classic & Deluxe Plans which all include Trip Cancellation coverage
This is an unofficial benefit comparison.  For complete info visit www.accessamerica.com or call 1-800-284-8300

Benefits & Limits:  (Up to the following amounts)   
Trip Cancellation Protection – Up to the amount of purchase
Trip Interruption Protection – Up to the amount of purchase
Emergency Medical & Dental Benefit
Emergency Medical Transportation
Travel Accident – If in an accident that results in death, loss of limb or sight
Baggage Coverage – reimbursement if baggage is lost, damaged or stolen
Baggage Delay – reimbursement costs if baggage is delayed
Travel/Trip Delay – Cash for meals and accommodations if delayed more than 6 hrs 
Missed Connection of your flight or cruise due to travel accident or severe weather.
Collision/Loss Damage if rental car is stolen or damaged in an accident
24 hr Hotline Assist – Including emergency cash, flight info, legal assist or message sent home – All plans included
Concierge helps with info before traveling – included with Family Basic & Deluxe Plans only.
Pre-existing Medical Condition Coverage – Available & Conditions Apply for Family Basic, Classic & Deluxe Plans if:

• Plan purchased 14 days of making 1st trip payment
• Plan covers full cost of non-refundable trip arrangements
• In US and medically able to travel when plan was purchased
• Total cost of trip was less than $50,000

Financial Default / Bankruptcy – Available & Conditions Apply for Classic & Deluxe Plans only:

• Purchased policy within 14 days of 1st deposit

• Default happens more than 7 days after effective date
• Travel supplier is not the entity you purchased your insurance form or an affiliate of that entity
• Travel supplier was included in Access America’s list of covered suppliers

Online Policy Modification, Claim Filing and Tracking – All plans included

All Plans include the following coverage:
• Trip Cancellation – Up to the amount purchased
• Death of family member, insured or traveling companion
• Complete cessation of service due to strike, bad weather or natural disaster
• Travel delay if you miss half more than half of your trip
• Destination uninhabitable due to natural disaster, fire, flood, burglary or vandalism
• Foreign & Domestic Terrorism within 30 days of your scheduled arrival date
• You or your traveling companion are hijacked
• Your primary residence is uninhabitable because of a natural disaster, fire, flood burglary or vandalism
• Illness of Family Member, Insured or Traveling Companion
• Injury of Family Member, Insured or Traveling Companion
• You or your traveling companion is quarantined
• You are summoned by a court order or subpoena to serve on a jury or appear in court.

Classic or Deluxe Plans includes the following additional coverage:
• You are involved in a traffic accident on the way to your point of departure
• You or a traveling companion is legally separated or divorced during cancellation coverage
• Family or friends outside the US can’t accommodate you as planned because someone in the household has died or is being diagnosed with a serious illness or injury
• Military Obligation for reassignment, personal leave revoked, etc.
• You become pregnant during Trip Cancellation coverage and is verified by medical records