At AOH Travel we believe that a travel protection plan is a great value and helps protect you and your trip investment! Travel protection plans help provide coverage for Trip Cancellation, Trip Interruption, Emergency Medical, Emergency Evacuation/Repatriation, Travel Delay, Baggage Delay and more. Travel Protection plans also include 24-Hour Travel Assistance Services*.

Insurance must be purchased within 21 days of your initial trip deposit/payment to be eligible for a waiver of the exclusions on pre-existing medical conditions** and other time-sensitive benefits and upgrades. As timing on plans may vary, be sure to ask.

* Travel Assistance Services are provided by the designated provider listed in the Policy. 

** Exclusions on pre-existing medical conditions do not apply to NH residents.

The product descriptions provided here are only brief summaries. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. If you have questions about coverage available under our plans, please review the policy or contact Travelex Insurance Services at 800.504.7883 or email customersolutions@travelexinsurance.com. Travelex CA Agency License #0D10209. Insurance coverages underwritten by Zurich American Insurance Company (NAIC #16535, state of domicile: New York), 1299 Zurich Way, Schaumburg, IL 60196. Certain coverages not available in all states.

Do You Really Need Travel Insurance?

Many travelers think their health insurance or free credit card insurance will completely cover their out of pocket expenses. However, that’s often not the case. Consider the reasons below for purchasing travel insurance for your journey.

Health Insurance Doesn't Cover Everything

  • According to the US Department of State - Bureau of Consular Affairs your domestic health insurance may cover “customary and reasonable” costs overseas. However, they often won’t pay for a medical evacuation back to the US, which can cost upwards of $50,000. That’s where Travelex travel insurance plans can help.

Credit Card Shortfalls

  • There’s a good chance your credit card provides some coverage for travel insurance. It’s important to check what coverage you actually have as this can vary depending on your card type and can even cost you additional funds to activate coverage. Credit card companies often have a number of conditions in order for their insurance to apply. For example, you may have had to pay for the entire trip using that credit card. If you want to have higher coverage amounts, you may wish to consider purchasing your own travel insurance plan.

Travel Investment

  • You don’t want to cancel a vacation and lose the money you’ve invested. If you cancel your trip for a covered reason listed in your policy, you may be eligible for reimbursement.

Medical Expenses

  • If you’re traveling remotely you may not always have access to the best health care. Your health and safety is a priority. If an emergency medical evacuation is necessary, the emergency medical evacuation benefit offered by travel insurance can transport you to the nearest suitable hospital for treatment. Additional benefits can include transportation of a visitor of your choice to stay with you if you are traveling as the solo adult and transportation of any traveling children back home should you become hospitalized.

Personal Belongings

  • A trip to the beach isn't much fun without a bathing suit. If your luggage is delayed or lost, Travelex plans can reimburse you for items lost, stolen or damaged, as well as reimburse you for necessary items you need to buy until your baggage is returned.

Travel Assistance Services

  • Call the toll-free number 24/7 when you’re traveling, one toll-free call gives you access to a variety of travel services like medical emergency assistance and lost baggage retrieval.

What Coverage Am I Eligible For?

  • Coverage limits vary depending on the plan you choose. Generally speaking, you’re eligible for coverage if your trip is cancelled or interrupted due to certain unforeseen events that may occur during your journey. We recommend reading your policy carefully to ensure you’re satisfied with the levels of coverage. Travelex plans come with a ‘21-day free look’1 period where you can cancel the policy if you have not departed on your trip or filed a claim.

1   Varies by state

What Are Some Examples?

  • My daughter is too sick to travel - When you purchase a plan that offers trip cancellation/interruption coverage you may be eligible to cancel your trip for the unforeseen sickness - and be reimbursed for any non-refundable expenses relating to your trip.

  • My travel supplier just declared bankruptcy - Common carriers with financial difficulties are becoming increasingly common. Purchasing trip cancellation/interruption coverage from Travelex can protect you from losing your trip investment due to such an occurrence.

  • We were on our way home when the airline went on strike - The travel delay benefit offers coverage for additional meals and accommodations for unannounced labor strikes that affect travel.

  • I arrived but my luggage didn't - Whether your bag is lost or merely delayed, you can be reimbursed for the purchase of necessary clothing and personal articles so you can enjoy your vacation.

  • My father-in-law fell and injured himself and I normally care for him – Trip cancellation or interruption due to the illness or injury of family members is also eligible for coverage. It's important to remember that even if you are fit to travel, other events may make departing on your trip unthinkable.

  • We missed our connection because of a flight delay - Weather and mechanical difficulties can delay an arrival into a connecting city past the departure of the next flight. If the flight is delayed at least 3 consecutive hours for a listed reason, you may be reimbursed for the un-used portion of your insured trip cost as well as for the additional accommodations and meals.

  • We were traveling when I suddenly developed chest pains - When a medical emergency happens far away from home and from proper medical facilities, you want to ensure you receive adequate care. Travelex’s emergency medical evacuation benefit offers coverage for emergency transportation for you to the nearest suitable facility or back home.

  • A terrorist act has occurred in a city on my itinerary - Both domestic and international terrorist acts that occur within 30 days of your scheduled date of departure or arrival are eligible reasons to cancel your trip and protect your investment from being lost.

  • My wallet, with my credit cards and passport, have been stolen - Emergency assistance services will assist you in reporting your lost documents and can make arrangements for an emergency cash transfer should that be required.