Trip Cancellation Insurance for non-US & non-Canadian Residents

by Steve Dasseos, The Trip Insurance Guru on October 14, 2009

Hi Steve, My wife and I plan to take a cruise trip to Scandanavia for 12 days and we wanted to take a travel insurance. We are Hong Kong residents. Can you help people like us find a trip cancellation travel insurance plan? Thanks, Jay

Hi Jay,

Yes, I have one trip cancellation travel insurance plan that’s available to non-US & non-Canadian residents.

It’s called the Patriot TRIP Elite plan. Here are some of its coverages:

  • Your emergency illness, injury or death, or that of a family member, a business partner, a travel companion, or a travel companion’s family member (and your doctor advises you against traveling) forces you to cancel your trip. The Patriot TRIP Elite plan reimburses you the money you lose.
  • You get hurt (ie- hit by a cement truck) or sick on your trip. The Patriot TRIP Elite plan pays your medical expenses including emergency medical transportation.
  • Your luggage is delayed, lost, stolen or damaged. If your checked luggage doesn’t arrive within 24 hours after you do, you can be reimbursed for items you need to buy. Or if it’s damaged or never arrives, you can be covered.

A “covered trip” is any travel and sojourn to a destination more than 120 miles from the starting point of the covered trip and not exceeding 30 consecutive days.

The Patriot T.R.I.P. Elite Plan Covers:

Note: All Prices and Benefits are in US Dollars

Plan Name

Patriot T.R.I.P. Elite
Secure online order link (you don’t pay extra fees using us) Patriot T.R.I.P. Elite’s secure online purchase page
Detailed Plan Description Pages Click here to see the Patriot T.R.I.P. Elite detailed plan description page
The Patriot T.R.I.P. Plan Costs are based on your age when you order the policy and a percentage of your prepaid non-refundable trip cost. Multiply your prepaid non-refundable trip cost by the following factors:
Age and Prepaid non-refundable trip cost factors: Ages 0 – 49 = 5.04%
Ages 50 – 59 = 6.91%
Ages 60 – 69 = 8.76%
Ages 70+ = 12.72%
Trip Cancellation (per person) Up to the insured amount (maximum of $20,000)
Trip Interruption (per person) Up to the 150%
Emergency Medical (per person) $50,000
Emergency Medical Evacuation / Repatriation (per person) $1,000,000
Emergency Reunion or Return of Mortal Remains (per person) $3,000
Common Carrier Accidental Death and Dismemberment (per person) • Non-U.S. residents = Up to US $20,000 per person
• U.S. residents = Up to US $100,000 per person
Pre-Existing Condition Lookback Period 60 Days
Travel Baggage (per person) $2,000
Travel Baggage Delay (per person) $500
Travel Delay (per person) $1,000 ($200 per day after 24 hours or $500 for missed connection
24-hour Assistance Services Included
Insurance Underwriter The Patriot T.R.I.P. program for non-U.S. residents is underwritten and offered where available by Sirius International Insurance Corporation (publ), Stockholm, Sweden
Secure online order link (you don’t pay extra fees using us) Patriot T.R.I.P. Elite’s secure online purchase page

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