Trip Cancellation Protection

Reimburses prepaid, non-refundable trip costs if you're unable to travel due to a covered reason, including illness, injury, death of a family member or traveling companion, natural disasters, and more. Also covers re-deposit fees for frequent traveler rewards used to book the trip.

Trip Interruption Coverage

Provides reimbursement for unused, non-refundable travel arrangements plus additional transportation costs if your trip is cut short or you need to depart later than scheduled due to a covered event — up to 150% of your insured trip cost.

Emergency Medical Coverage

Pays for medical treatment — including emergency dental expenses — if you become sick or injured while traveling away from home. Coverage is primary, meaning it pays first regardless of any other insurance you may carry, up to $250,000 per person.

Emergency Medical Evacuation

Covers physician-ordered transportation to the nearest appropriate medical facility when adequate local care is not available. Also includes medically necessary repatriation back to your home and repatriation of remains coverage, up to $500,000.

Baggage Protection

Provides reimbursement for lost, stolen, or damaged baggage and personal belongings during your trip, subject to per-article limits, up to $2,500 per person.

Travel Delay Benefits

Covers reasonable additional expenses such as meals, lodging, and local transportation if your trip is delayed 6 or more hours due to a covered reason, up to $250 per day with a maximum of $1,500.

Missed Connection Benefits

If you miss your trip departure or a connecting flight due to a covered delay, the plan reimburses additional transportation costs and non-refundable prepaid expenses to help you catch up to your trip.

Optional Coverage Upgrades

Optional upgrades allow you to customize your coverage based on your specific needs:

• Cancel for Any Reason (CFAR) — 75% reimbursement of insured trip cost
• Interruption for Any Reason (IFAR) — 75% reimbursement of insured trip cost
• Natural Disaster Evacuation — up to $75,000
• Political or Security Evacuation — up to $75,000
• Search and Rescue — up to $75,000
• Optional Rental Car Damage and Theft Coverage — up to $50,000

CFAR and IFAR must be purchased within 14 days of your initial trip deposit. Optional upgrades may vary by state.

The GoReady Elite Plan is built for travelers who want serious, comprehensive protection without compromise.

The GoReady Elite Plan is designed for travelers who want premium trip protection and robust primary medical coverage while away from home.

Best for:

• International vacationers and cruise travelers
• Guided tours and escorted travel
• Travelers with significant non-refundable trip investments (up to $50,000 per person)
• Travelers who want primary medical coverage — not secondary

Also ideal for:

• Couples and families planning high-value trips
• Travelers who want the option to add Cancel for Any Reason or Interruption for Any Reason flexibility
• Travelers venturing to areas where evacuation coverage (natural disaster, political, or security) is a priority
• Anyone who wants peace of mind knowing medical bills will be handled first, without waiting for another insurer to pay

Not available to residents of New York or Washington.

When the unexpected happens, you're not on your own.

The GoReady Elite Plan includes access to 24/7 emergency travel assistance services provided by On Call International, available worldwide throughout your covered trip.

Available services include:

• 24/7 worldwide emergency travel assistance
• Emergency medical evacuation coordination and medically necessary repatriation
• Emergency travel arrangements (rebooking support due to illness or trip interruption)
• Return of dependent children if a covered event occurs
• Visit coordination by a family member or friend if you're hospitalized
• Medical monitoring during a medical emergency
• Medical and dental referral assistance to locate local providers
• Advance of emergency medical expenses (to help secure hospital admission or discharge)
• Assistance with replacement medications, medical devices, and eyeglasses
• Transfer of insurance information and medical records
• Lost luggage assistance and communication with carriers
• Lost or stolen passport and travel document assistance
• Emergency cash advance (up to $500)
• Interpretation and translation services in all major languages
• Legal referral assistance and bail coordination where permitted
• Embassy and consulate referrals
• Pre-trip information: visa/passport requirements, health advisories, inoculation requirements, currency exchange

Note: Assistance services offer referral and coordination only. You are responsible for the cost of any actual medical, legal, transportation, or other services received.

On Call International Emergency Assistance Line: Local: 978-237-0284 | Toll-Free: 800-418-5076 | Email: Mail@oncallinternational.com

We've simplified the most important coverage details for you throughout this page. If you'd like to review the full policy language, you can access the official plan documents below.

📄 Plan Brochure A quick overview of benefits, coverage highlights, and plan features.

View Brochure

📋 Certificate of Insurance The full policy document with complete terms, conditions, and coverage details.

View Certificate

📌 State Amendments Coverage terms may vary depending on your state of residence. Download the certificate wording amendments by state.

Download State Amendments

❓ Coverage Questions? We're always here to help you understand your coverage before you purchase.

Contact Us

We're here to help if you need it.

Claims are handled directly by Aegis General Insurance, as they are responsible for reviewing, approving, and paying claims based on your policy.

While we don't make claim decisions, our team is here to support you every step of the way - whether that's helping you understand the process or answering questions along the way. Our goal is to make sure you feel confident in what to do next, without navigating it alone.

You can file a claim online or by contacting Aegis directly by phone, email, or live chat.

→ File your claim online at goreadyinsurance.com/file-a-claim

Step 1: Contact Aegis to Open Your Claim

Reach out by phone, email, or live chat. A Claims Specialist will help you identify the appropriate benefit(s) to file for and advise you on the backup documentation you'll need to gather.

Step 2: Pre-Screening of Your Documentation

Your backup documentation may be pre-screened by the submission team to confirm you have the correct items before formally submitting your claim - saving you time and back-and-forth.

Step 3: Submit Your Claim Online

You'll receive an email with your claim forms and access to Aegis's secure online portal, where you can upload all documents and track your claim's status in real time. Forms can be partially auto-completed with policy data Aegis already has on file.

Step 4: Claim Processing

Your claim will typically be processed within 7–10 business days from the point where all information has been accurately submitted.

Step 5: Receive Your Reimbursement

If your claim is approved, your reimbursement check will be mailed to you. If a claim is denied, Aegis will reach out by phone to review the decision and discuss whether an appeal may be possible.

Need Help With Your Claim?

Phone: (800) 774-3959, Option 3

Online: goreadyinsurance.com/file-a-claim

Multilingual staff is available to assist. Covered reasons for reimbursement are listed in the Description of Coverage you received when your policy was purchased.

You have 14 days to review your policy and make sure it's the right fit for your trip.

If the plan does not meet your needs, you may cancel your policy within this 14-day review period for a full refund - provided your trip has not started and no claim has been filed. If you depart on your trip before the review period ends, the review period automatically ends at departure.

Important

After the 14-day review period, the policy becomes non-refundable.

This means refunds are not available once the review period has passed -  even if your travel plans change after purchase.

If your plans do change, your coverage may be eligible to transfer to a new trip, depending on the situation. Our team is happy to help review your options.