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Premium Insurance Coverage

ExactCare® and ExactCare® ExtraTM from Cover-More offer you premium coverage to protect the investment you’ve already made in your vacation or trip. Each product provides you with a range of options that let you tailor your insurance to your preferences.

ExactCare overview

With many excellent comprehensive benefits included, and at an affordable price, ExactCare covers you for trip cancellation and interruption, baggage protection and travel delay. You’ll also receive medical and emergency medical evacuation coverage that, with the exception of a few states, can be increased to fit your needs.

ExactCare Extra overview

As our top-tier product, ExactCare Extra offers a range of added benefits on top of those provided by ExactCare. These include generous medical and emergency medical evacuation coverage for pre-existing conditions as well as the Cancel for Any Reason benefit, if you purchase the plan within 15 days of your first trip payment and other specific requirements are met. This benefit allows you to cancel your trip up to 48 hours prior your departure date, for a reason not listed on the plan. The reimbursement when using Cancel for Any Reason is 50% of the insured cost of your trip.

Features of Cover-More ExactCare and ExactCare Extra travel insurance include:

 

ExactCare

ExactCare Extra

Trip cancellation

100% of trip cost ($100,000 max)

100% of trip cost ($100,000 max)

Trip interruption

150% of trip cost ($150,000 max)

150% of trip cost ($150,000 max)

Trip interruption – return air

$750

N/A

Trip delay

$1,000 ($200/day) (5 hours)

$1,000 ($200/day) (5 hours)

Missed Connection

$500

Flat Benefit $100 per flight

Baggage and personal effects

$1,000

N/A

Baggage delay

$200 (24 hours)

Flat Benefit $150 per Trip (12 hours)

Medical expense

$25,000 ($500 dental)

$50,000 ($500 dental)

Evacuation/repatriation of remains

$500,000

$500,000

Accidental death and dismemberment

$10,000

$10,000

Tarmac Delay

N/A

Flat Benefit $1,000 per person

Flight Departure Delay

N/A

Flat Benefit $50 per flight

Lost Baggage

N/A

Flat Benefit $500 per Trip

Please note: Restrictions may apply to the benefits. Coverage limits and availability may vary by state. See full policy details for further details.

ExactCare and ExactCare Extra advantages

  • Comprehensive, easy-to-understand coverage
  • Speedy claims processing
  • “Pic and a click” filing for most claims
  • Notifications sent directly to mobile devices
  • 24/7 access to emergency assistance from any device
  • 15-day free-look period
  • Extra coverage – included when the insurance plan is purchased within 15 days of the initial trip payment
  • Pre-existing condition exclusion waiver*

We also offer optional coverages that you can add to your plan for an additional premium. We provide these so you can tailor your coverage to suit your needs and your trip.

Optional coverages include:

  • Cancel for any reason (ExactCare Extra only)
  • Medical-expense upgrade
  • Medical-evacuation/hospital-of-choice upgrade
  • Car-rental collision coverage
  • Accidental death and dismemberment (common-carrier air-only) upgrade

With safety, security and protection features like:

  • Roadside-assistance coordination
  • Emergency notification to family/friends
  • Medical referral and emergency needs
  • Mobile personal assistance
  • Driving directions
  • Assistance in unexpected situations
  • Information or questions answered

And amazing concierge services:

  • Dining reservations
  • Travel planning and assistance
  • Events/tickets

To ensure your next trip is memorable for all the right reasons, and to give you complete peace of mind, choose one of the premium insurance options from Cover-More. Get a free quote today.

*If all conditions are met. Please refer to the Description of Coverage for full details.

†Note: These are services only. The insured person is responsible for any cost of the service itself, e.g. the cost of the tickets.