Sure! Here’s a sample Travel Insurance Policy tailored for travelers in the United States, including detailed benefits. This can be used as a template or as reference content for a travel insurance provider or agency.
🧳 TravelSafe USA – Travel Insurance Policy
Policy Overview
Policy Name: TravelSafe USA
Underwritten by: Global Assurance Insurance Co.
Coverage Territory: United States (including all 50 states, D.C., and U.S. territories)
Eligible Persons: U.S. citizens and legal residents traveling within the United States or foreign nationals visiting the U.S.
✅ Key Benefits
| Coverage Type | Benefit Amount | Description |
| Trip Cancellation | Up to 100% of trip cost | Reimburses prepaid, non-refundable expenses if you cancel due to a covered reason. |
| Trip Interruption | Up to 150% of trip cost | Covers costs if you need to cut your trip short due to an emergency. |
| Emergency Medical Expense | Up to $100,000 | Covers medical expenses due to illness or injury while traveling. |
| Emergency Medical Evacuation | Up to $500,000 | Covers transportation to nearest adequate medical facility. |
| Repatriation of Remains | Up to $250,000 | Covers transportation of remains in case of death while traveling. |
| Travel Delay | Up to $1,500 ($200/day max) | Reimbursement for meals, accommodations, and transport during delays. |
| Baggage Loss/Theft | Up to $2,500 | Reimbursement for lost, stolen, or damaged luggage. |
| Baggage Delay | Up to $500 (after 12 hours) | Covers emergency clothing/toiletries if luggage is delayed. |
| Accidental Death & Dismemberment (AD&D) | Up to $50,000 | Lump sum benefit for accidental death or severe injury. |
| 24/7 Travel Assistance Services | Included | Access to emergency hotline for travel, legal, and medical coordination. |
⛔ Common Exclusions
- Pre-existing conditions (unless a waiver is purchased)
- Participation in extreme sports or hazardous activities (e.g., skydiving, base jumping)
- War or acts of terrorism (unless specified)
- Self-inflicted injury or substance abuse-related incidents
- Travel against physician advice
🔒 Optional Add-Ons (Available at Extra Cost)
- Cancel for Any Reason (CFAR): Up to 75% reimbursement
- Rental Car Damage Protection: Up to $50,000
- Adventure Sports Rider: Coverage for skiing, scuba diving, etc.
- Pet Emergency Coverage: Vet care or travel return expenses
📋 Sample Scenario
Situation: You book a $3,000 domestic trip to Hawaii but are hospitalized due to appendicitis a week before departure.
Claim: You submit medical documents and receive 100% reimbursement of the non-refundable trip cost.
💳 Cost Estimate
| Trip Cost | Traveler Age (30 years) | Policy Premium (Basic Plan) |
| $1,000 | 30 | $45 |
| $3,000 | 30 | $115 |
| $5,000 | 30 | $160 |
(Prices vary based on age, trip cost, and duration)
📝 How to Buy
- Visit www.insurancebrief.com
- Enter trip details (dates, cost, destination)
- Choose your coverage options and make payment
- Receive digital certificate and ID card instantly
🧾 Claims Process
- Submit claim form within 30 days of incident
- Attach required documentation (e.g., receipts, medical records)
- Get reimbursement within 10-15 business days after approval