United States
Travel Insurance
Help Protect Your Vacation with One of Our Plans
Luxury Gold’s Travel Protection allows you to cancel up to 24 hours before departure and receive a future travel credit, or cash refund if you need to cancel for select covered reasons. You’ll also be covered should you become sick while traveling and need to return home.
A Plan Designed to Fit Your Needs
Are you hoping to book your dream vacation, but worry about the unexpected, especially because of current concerns with COVID-19 and the possibility of quarantine?
Our Travel Protection plan may protect you from these events so you can travel with confidence. You can purchase your plan online when you checkout or with one of our Travel Specialists.
*Insurance benefits described are underwritten by ARCH Insurance Company, NAIC 11150
Click here for a summary of coverage details, terms and conditions.
Travel Insurance is highly recommended to participate on our tours
We highly recommend guests have travel insurance covering all dates of travel with Luxury Gold meeting the minimum levels listed below and covering: tour interruption, tour delay, emergency evacuation/repatriation, medical expenses from illness, whether individual or related to a pandemic event, such as COVID-19, and any medically-imposed quarantine such as a guest in the group contracting COVID-19 while traveling with any Travel Corporation brand.
Most travel insurers require you to purchase your coverage within a certain time of making your initial deposit/payment. Guests are advised to research and purchase insurance as soon as possible after making the deposit/payment.
As one convenient option, Luxury Gold offers a Travel Protection Plan, underwritten by Arch Insurance Group, that meets or exceeds the above coverages. Availability of travel insurance and extent of coverage can change, so please check back closer to your purchase or contact one of our Travel Experts. If you wish to purchase one of Luxury Gold Travel Protection Plan, you must purchase the Travel Protection Plan within 14 days of making your initial deposit/payment.
You are not required to purchase your insurance from Luxury Gold and are welcome to choose any travel insurance product that meets or exceeds the requirements above. If you purchase your insurance from another seller, we will ask you to provide Luxury Gold with information regarding your insurance policy prior to final payment being due.
No policy covers every risk. Coverages, conditions, exclusions and limitations under each policy differ. The minimum amounts listed above may not cover all your costs. You will be responsible for costs in excess of coverage amounts and for all costs if coverage does not apply. We encourage you to research your choices for a policy best suited to your circumstances.
TRAVEL PROTECTION FREQUENTLY ASKED QUESTIONS
Your search for ""
clear searchWhat type of tour cancelation coverage do I have?
Am I covered if I contract COVID-19?
You may be covered if you, a Traveling Companion* or a Family Member* contract COVID-19. If you contract COVID-19 after purchasing Travel Protection and are diagnosed prior to departure, the tour cancelation benefit may provide coverage if you need to cancel your tour. You will need to provide proof of sickness from your doctor and a statement that you are medically unable to travel.
If you contract COVID-19 once you’ve already started your tour, the tour interruption benefit may provide coverage if you need to interrupt your tour because you or a Traveling Companion* become sick. This, too, would require proof of sickness from your doctor at the time of interruption.
If you become sick with COVID-19 while traveling, your medical expenses may be reimbursed as well up to the benefit limits indicated in your plan.
*“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner, Caregiver, or Child Caregiver.
*“Traveling Companion” means a person or persons whose names appear with Yours on the same Travel Arrangements and who, during Your tour, will share accommodations with You in the same room, cabin, condominium unit, apartment unit or other lodging.
What happens if COVID-19 causes me to be Quarantined*?
If you are Quarantined* prior to your tour, the tour cancelation benefit may reimburse you for unused pre-paid, non-refundable tour costs. If you are Quarantined during your tour, the tour interruption benefit may reimburse you for missed, unused pre-paid non-refundable tour costs and additional transportation costs to return home or catch up to your tour.
If COVID-19 causes you to be Quarantined*, delaying your tour for 12 hours or more, you may be eligible for tour delay benefits which may reimburse additional expenses for transportation, meals and accommodations, as well as missed unused pre-paid, non-refundable travel arrangements (up to the limits indicated in the plan).
In each case, you would need to provide proof from a doctor or government authority verifying your need to quarantine, as well as receipts for any expenses incurred.
*Quarantine means the enforced strict isolation and confinement of You or Your Traveling Companion at a single location, for medical reasons, pursuant to an order by an official government authority, a lawfully authorized deputy of such authority, or a licensed practicing Physician, which prevents any interaction with other persons for a specified period of time not exceeding the incubation period for a contagious disease to which You or Your Traveling Companion have been exposed. Governmental orders imposing Prohibited Access, social distancing, self-isolation that does not meet all of the requirements set forth above, shelter in place, or stay at home requirements or recommendations do not constitute a Quarantine.
What happens if I am afraid to travel due to the coronavirus?
Fear of potentially contracting COVID-19 or fear of being Quarantined is not a covered reason to cancel your tour. However, if you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancelation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason insurance benefit which may provide cash reimbursement in the amount of 60% of the total tour cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider.
The area I am traveling to in the near future has been affected by COVID-19. Will I be able to cancel my tour and be reimbursed?
The U.S. State department has advised against non-essential travel. Am I covered due to the U.S. State department warning?
Does travel protection cover tour cancelation or interruption because my intended destination is subject of a CDC travel warning?
Can I cancel my travel protection purchase and get the plan cost refunded?
What happens if the airline cancels my flight due to COVID-19?
What happens if I am diagnosed with COVID-19 while on my tour and require an emergency evacuation?
You may be covered if you are diagnosed with COVID-19 while on your tour and it is determined that emergency medical transportation to a higher level of care is necessary as a result. All of the Travel Protection plans provide a maximum benefit limit of $100,000 for emergency medical evacuation. These arrangements must be coordinated and approved by the Assistance Service Provider – CareFree Travel Assistance™.
Am I covered if I have recently been in contact with someone who tested positive for COVID-19?
Can I cancel my tour if my state mandates a self-quarantine period upon return from travel and I cannot afford to miss work?
If I am diagnosed with COVID-19 prior to my scheduled tour, how long do I have to cancel and be covered for any penalties I may incur?
Regardless of your reason for cancelation, all cancelation claims must be reported to Aon and your Travel Provider(s) within 30 days* of becoming aware that you are sick (or otherwise unable to travel) or as soon as reasonably possible, and prior to scheduled tour. Your sickness or reason for cancelation must occur after your Travel Protection plan purchase (Effective) date.
*State variation language may apply.
This program was designed and is administered by Aon Affinity. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkeley Insurance Agency and in NY, AIS Affinity Insurance Agency.
Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150), under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a brief overview of the coverages. Subject to terms, conditions and exclusions. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply.
** Travel Protection Plan Plus is only available for tour costs of $15,000 or less.
