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Travel Insurance

Travel Insurance

“Oh, I have health insurance…I don’t need the travel insurance.” WRONG! Many people do not realize that many health insurance companies will not cover you while you’re in international waters or in another country. We sell a comprehensive travel insurance plan, that covers your investment from those unforeseen circumstances that may arise before or during your trip.

ADC Trip Care

Administered by Travel Guard

Plan Features, Benefits & Rates
Description of Coverage1

Highlighted Benefits:

Non-Age-Based Pricing!
You pay 6.5% of your trip cost ($25 per person minimum)

Family-Friendly Coverage!
One child age 17 and under covered at no additional cost
for each adult who purchases this plan2

Cancel for Work Reasons3

Concierge Services starting the day after you purchase your policy…
You don't have to wait for the trip to start!

Coverage for Pre-Existing Conditions4

No Processing Fees!

Questions? Call Travel Guard's ADC Trip Care Hotline, toll free, at 1-888-284-5185

Besides the medical, dental, and baggage coverage you get with traveler’s insurance, you also get coverage for cancellation penalties. As long as your cancellation reason is a covered reason you will get coverage. Because of this, we highly recommend that all of our clients purchase travel insurance with their vacations. You never know what might come up: medical problems, natural disasters, jury duty, etc. Our travel insurance plan covers such reasons; please check with us prior to purchasing a policy if you’re not sure of the specific coverage offered.

When booking a cruise on our web site, a travel insurance quote is given online automatically on the payment page (before you have to enter your payment information). If you have already booked online and did not purchase travel insurance at that time and would like travel insurance, it can be added by contacting us, or logging in to your reservation (via the link provided in the confirmation you were automatically e-mailed after booking online).

Those that booked their vacation over the phone can purchase a travel insurance plan by giving us a call.

Optional Upgrades
ADC Trip Care is an affordable and comprehensive plan, which includes various benefits and services. However, there are a couple of options that can further enhance it. Both upgrades need to be purchased over the phone (they cannot be added via our web site):

Medical Coverage Upgrade: For $19 per person more, you can double your Medical Expense limits and Emergency Evacuation & Repatriation limits, and be able to be evacuated home or to the adequate licensed medical facility of your choice for covered evacuations. Plus, Medical Expense Coverage becomes Primary. This highly recommended option can be added up until 24 hours prior to your trip's start date. New York residents are ineligible for choosing medical facility of choice. This option can be purchased at any point, up until the end of business on the day prior to your trip's start date.

Cancel for Any Reason: This option refunds up to 70% of your trip cost5, if you cancel for a non-covered reason at least 48 hours prior to your departure date. A plan with Cancel for Any Reason coverage would cost 1.6 times the price of the base plan, and would require that you insure your full non-refundable trip cost. If you make your vacation reservation over the phone with us, you must select this option at the same time you select to purchase insurance. Cancel for Any Reason option is only available when you purchase the travel insurance plan provided by Travel Guard at the time the base package is purchased and within 21 days of making the initial deposit on your trip. However, since you cannot choose this optional coverage when booking online, you can select to purchase a base plan online, and then contact us within 21 days of your plan initial trip payment to add this option for you (however, this upgrade cannot be added on once you're within 24 hours prior to your trip departure).

To add optional coverage, please contact us via e-mail or phone (toll free 1-866-214-7447 for U.S. & Canada, or +001-732-970-9142 for other countries).

Pre-Existing Condition Coverage
4 The Insurer will waive the pre-existing medical condition exclusion up to a maximum of the first $30,000 of Trip Cost per person if the following conditions are met: 1. You purchase the plan within 21 days of making your initial trip payment; 2. The amount of Trip Cancellation coverage purchased must equal the full cost of all prepaid nonrefundable Trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 21 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver; 3. You must be medically able to travel when you pay your plan cost.


1 This Description of Coverage is not applicable to residents of all states. Residents of Florida, Georgia, Indiana, New Hampshire, New York, Oregon, Pennsylvania, Utah, and Washington State can obtain their state specific Description of Coverage by clicking the name of their state.

This insurance plan is not currently available to residents of Puerto Rico or Quebec. Please contact us if you're a resident of either of these regions and would like to purchase travel insurance.

2 Does not apply to optional coverages (i.e. Medical Coverage Upgrade and Cancel for Any Reason).

3 Due to state laws, residents of New York, Washington State, and Pennsylvania do not qualify for this coverage benefit.

5 This coverage is up to 75% for residents of Pennsylvania.

All details listed on this page relate to Travel Guard administered policies, purchased on or after January 7, 2012. The information on this page does not pertain to customers that booked travel insurance prior to January 7, 2012, or those that purchase travel insurance policies (at any point in time) that aren't administered by Travel Guard. Such customers should contact us with any questions. In addition to the details provided on this page, you should read the entire plan features and description of coverage documents (available via the links provided above).

This is only a brief description of the coverage(s) available.The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.