Spinnaker Insurance Company Position Statement Hurricane Dora
Issued: August 9, 2023 Hurricane Dora formed on Tuesday, August 1, 2023. This is now a known event. In order for travel insurance coverage to
Issued: August 9, 2023 Hurricane Dora formed on Tuesday, August 1, 2023. This is now a known event. In order for travel insurance coverage to
Issued: July 26, 2023 On July 26, 2023, news media outlets are reporting an attempted coup in Niger. Since this event is no longer unforeseen,
Issued: June 20, 2023 Tropical Storm watches and warnings have been issued for Tropical Storm Bret on June 20, 2023. It is now a known
Issued: May 19, 2023 On May 15, 2023 the union representing WestJet Group pilots filed a 72-hour strike notice to WestJet management and the Canadian
On May 1, 2023 American Airlines pilots voted to authorize a strike. This is now a known event. In order for travel insurance coverage to
On April 18, 2023, Southwest Airlines grounded all flights nationwide due to a technical glitch. This is now a known event. In order for travel
March 28, 2023 Spinnaker Insurance Company Position Statement – Strikes and Civil Disorder In France Affecting TransportationThere have been a number of protests and demonstrations,
Aeromar has ceased operations on February 16, 2023. This is now a known event. In order for travel insurance coverage to be available, a policy
A 7.8 magnitude earthquake has hit southeast Turkey and northern Syria early on Monday, February 6, 2023. In order for travel insurance coverage to be
Following the ouster of Peruvian President Castillo on December 7, 2022, widespread civil disorder has been occurring in Peru. Since this event is no longer
Any Medical Condition that, within the last 12 months, required any:
Hypertension or high cholesterol controlled by 1 prescription drug only and where the dosage has not been changed within the last 12 months will not be considered a pre-existing medical condition
Travel Protection Benefits | Limits |
---|---|
Trip Cancellation | 100% of trip cost (up to a maximum of $20,000) |
Single Occupancy | Up to trip cost |
Cancel for Any Reason | Up to 75% of trip cost Up to 50% of trip costs in FL(CFAR not available to NY residents) |
Trip Interruption | 150% of trip cost |
Delay Package | |
Trip Delay | Maximum $200 per day up to $2,500 |
Missed Connection | Maximum of $1,000 per covered trip |
Baggage Package – Excess | |
Baggage and Personal Effects | $2,500 $100 Deductible |
Baggage Delay | $100 per day up to a maximum of $500 |
Travel Medical Package – Excess AK, CO, ID, ND, NH – Primary | |
Travel Medical Expense – Adventure sports included | $100,000 $50,000 in NH $50 Deductible |
Emergency Dental | $750 |
Emergency Evacuation and Repatriation of Remains | Up to $500,000
Up to $1,000,000 in NH |
Accidental Death & Dismemberment | $100,000 or $250,000 or $500,000 |
Pet Medical Package | |
Pet Medical Expense | Up to $2,000 $100 Deductible |
Pet Return | Up to $500 |
Rental Vehicle Damage – Primary | Up to $35,000 per rented vehicle- Primary $250 Deductible for loss greater than $2,000 |
Vacation Rental Damage | $1,500 or $3,000 or $5,000 |
Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.
Benefits | Limits |
---|---|
Cancellation and Curtailment | 5,000 |
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains | 10,000,000 (excess 250 or 50) |
Hospital Benefit | 25 per day, maximum 100 |
Personal Accident | up to 250,000 |
Baggage Loss or Delay | up to 5,000 (excess 250 or 50) |
Personal Money and Passport, limited to 250 in respect of cash | 500 (excess 250 or 50) |
Personal Liability | 500,000 |
Travel Delay | 500 |
Optional Benefits | Limits |
Business Extension | up to 1,000 (excess 100) |
Winter Sports (Ski Equipment) | up to 750 (excess 50 or 100) |
Important notes:
|
Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.
Benefits | Limits |
---|---|
Trip Interruption | 2,000 |
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains | 10,000,000 (excess 250) |
Hospital Benefit | 25 per day, maximum 100 |
Personal Accident | up to 5,000 |
Baggage Loss or Delay | up to 2,000 (excess 250 or 50) |
Personal Money and Passport, limited to 250 in respect of cash | 500 (excess 250) *** Limited to 250 in respect of cash |
Personal Liability | 500,000 |
Optional Benefits | Limits |
Business Extension | up to 1,000 (excess 100) |
Winter Sports (Ski Equipment) | up to 750 (excess 50 or 100) |
Personal Accident | up to 250,000 |
Baggage | up to 10,000 |
Important notes:
|
Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.
Benefits | Limits |
---|---|
Cancellation | up to $20,000 |
Trip Interruption | $1,000 |
Medical and Emergency Expenses | $5,000,000 (deductible $250) |
Hospital Benefit | $25 per day, maximum $100 |
Personal Accident | up to $50,000 |
Baggage | $2,000 (deductible $250) |
Personal Money and Passport, limited to $250 in respect of cash | $500 (deductible $250) |
Personal Liability | $500,000 |
Optional Benefits | Limits |
Business Extension | up to $1,000 (deductible $100) |
Winter Sports (Ski Equipment) | up to $750 (deductible $50 or $100) |
Important notes:
|
Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.
Benefits | Limits |
---|---|
Cancellation and Curtailment | 5,000 |
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains | 10,000,000 (excess 250 or 50) |
Hospital Benefit | 25 per day, maximum 100 |
Personal Accident | up to 250,000 |
Baggage Loss or Delay | up to 5,000 (excess 250 or 50) |
Personal Money and Passport, limited to 250 in respect of cash | 500 (excess 250 or 50) |
Personal Liability | 500,000 |
Travel Delay | 500 |
Optional Benefits | Limits |
Business Extension | up to 1,000 (excess 100) |
Winter Sports (Ski Equipment) | up to 750 (excess 50 or 100) |
Important notes:
|