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Trip Protection

Trip Protection

Insurance Plans to Safeguard Your Travel Experience

Protect your travel plans because the unexpected can happen. Vacation Express strongly recommends the purchase of travel protection. It is best to purchase one of our travel protection plans when your reservation is made. In order to do so, you must submit the premium payment for the Vacation Express Passenger Protection Plan [PPP], Passenger Protection Plan Plus [PPP+] or Vacation Protection Insurance [VPI] with your deposit/payment. The plan goes into effect the date your payment is received by Vacation Express and is non-refundable and non-transferable. Please note, reservations that include Reduced Deposit Plan [RDP] are not eligible for Passenger Protection Plan [PPP].

To cancel a booking with PPP, PPP+ or VPI, please call Vacation Express at 800.309.4717 prior to trip departure time as specified in each plan

Listed below, please find a summary outline of the Passenger Protection Plan [PPP], Passenger Protection Plan Plus [PPP+] and Vacation Protection Insurance [VPI] and the protection offered by each. For more details on these plans, please see the link at the bottom of this page


OPTION 1: PASSENGER PROTECTION PLAN [PPP]

For hotel packages of 4 nights or less: $39.00 per adult and $29.00 per child*
For hotel packages of 5 nights or more: $59.00 per adult and $39.00 per child*
For flight and hotel packages of 4 nights or less: $69.00 per adult and $29.00 per child*
For flight and hotel packages of 5 nights or more: $89.00 per adult and $39.00 per child*
For charter flight-only packages of 4 nights or less: $69.00 per adult and $29.00 per child*
For charter flight-only packages of 5 nights or more: $89.00 per adult and $39.00 per child*

*Ages under 12 are considered children with this plan.
Please note: This policy may not be purchased after you have made final payment for your trip.

Penalty Protection Plan Benefit: Non-insurance services provided by Vacation Express
Cancellations for any reason on the PPP Plan must be received by Vacation Express a minimum of 24 hours prior to original scheduled departure time as indicated in your travel documents or no later than 5pm the day prior to departure for hotel-only bookings. When you purchase the Vacation Express PPP, all applicable cancellation charges [not change fees] as per your Terms and Conditions contract will be refunded in the form of Vacation Express travel certificates [PPP Voucher] as follows: 1. Charter air packages and Land Only packages will receive the cost of the package, less the cost of PPP on a PPP voucher, which must be redeemed within one year from the original departure date. 2. Scheduled-Air packages will receive a PPP voucher for the cost of the land portion less the PPP fee. Clients will receive the airline ticket numbers [or paper tickets] and be advised of the ticket cost. Clients can use the cost of the airline ticket, less the airline change fee [usually $150 to $250 per ticket] to purchase a new ticket to: a] the same Vacation Express destination on same carrier, b] a different Vacation Express destination on same carrier, or c] any destination that the issuing carrier serves. If clients take option "c" they must contact the issuing airline directly for reservations.

VERY IMPORTANT: Scheduled-air tickets must be used by one year from original purchase date however some airlines may require that tickets be reissued within 60 days of original purchase date. Please check with your airline for their specific requirements. Any increases in the air or hotel price of rebooked vacations are the responsibility of the traveler. Travel certificates are issued in the original names of the passengers on the booking at the time of cancellation. The certificates are non-transferable and name changes will not be accepted. Any tickets that are booked in basic economy class cannot be changed, carry no residual value and are non-refundable. PPP can be repurchased when rebooking clients' vacation with the original PPP voucher. Under no circumstances does the PPP allow for a full or partial cash refund, nor is it extendible. Please note that the PPP provides limited post departure coverage as listed below.

IMPORTANT INFORMATION:

  • Vouchers are issued in the original names of the passengers on the booking at the time of cancellation.
  • The certificates are non-transferable and name changes will not be accepted.
  • Clients have one year from original date of travel to use the voucher toward another package to any Vacation Express destination.

Post Departure Coverage
Travel protection coverages are underwritten by Arch Insurance Company.

SCHEDULE OF BENEFITS for PPP

Benefits Maximum Benefit Amount
Part A: Travel Arrangement Protection
Trip Interruption $1,000
Occupancy Upgrade $1,000
Missed Connection $1,000 | 3+ hour delay
Trip Delay $300 [$150/day | 8+ hour delay]
Part B: Travel Insurance Benefits
Emergency Medical Expense/Emergency Evacuation and Repatriation of Remains $25,000 | Includes $750 emergency dental
Coverage For Your Belongings and Property of Others
Baggage and Personal Effects $1,000 | $300 per item | $600 Combined Article limit
Baggage Delay $300 | 12+ hour delay
Assistance
24/7 Worldwide Assistance Services - Non-insurance Services Included

Notice to Minnesota, Missouri and New York Residents: Residents of the State of Minnesota, Missouri and New York are not required to purchase the Individual Passenger Protection Plan in order to purchase Vacation Express' Penalty Protection Plan Benefit. Please contact your Vacation Express travel consultant for details.

For more details on this plan, please visit https://vacationexpress.archinsurancesolutions.com/description-of-coverage.

Please Note: PPP is not available including, but not limited to, the following circumstances: on certain peak travel dates and with non-refundable hotel rates.


OPTION 2: PASSENGER PROTECTION PLAN PLUS [PPP+]

For hotel packages of 4 nights or less: $69.00 per adult and $49.00 per child*
For hotel packages of 5 nights or more: $89.00 per adult and $69.00 per child*
For flight and hotel packages with 4 nights or less: $99.00 per adult and $59.00 per child*
For flight and hotel packages of 5 nights or more: $139.00 per adult and $69.00 per child*

*Ages under 12 are considered children with this plan.

Penalty Protection Plan Plus Benefit: Non-insurance services provided by Vacation Express
All cancellations on the PPP+ Plan must be received by Vacation Express up to 2 hours prior to original scheduled departure time per your documents or by 9am the day of arrival for hotel-only bookings. If you are traveling more than 30 days from the date of your booking and you have made a booking using Vacation Express exclusive charter flights or a hotel-only booking, you can purchase PPP+ any time prior to final payment. If you are traveling within 30 days from date of booking, PPP+ must be purchased no later than the date final payment is due. When traveling on a hotel and air package using any major airline, PPP+ must be added at the time of making your first payment. Once payment is received on the reservation, you can no longer add PPP+. When you purchase PPP+, you will be refunded the full package price in the original form of payment minus the cost of PPP+ if you need to cancel your trip.

Post Departure Coverage
Travel protection coverages are underwritten by Arch Insurance Company.

SCHEDULE OF BENEFITS for PPP+

Benefits Maximum Benefit Amount
Part A: Travel Arrangement Protection
Trip Interruption $1,000
Occupancy Upgrade $1,000
Missed Connection $1,000 | 3+ hour delay
Trip Delay $300 [$150/day | 8+ hour delay]
Part B: Travel Insurance Benefits
Emergency Medical Expense/Emergency Evacuation and Repatriation of Remains $25,000 | Includes $750 emergency dental
Coverage For Your Belongings and Property of Others
Baggage and Personal Effects $1,000 | $300 per item | $600 Combined Article limit
Baggage Delay $300 | 12+ hour delay
Assistance
24/7 Worldwide Assistance Services Included

Notice to Minnesota, Missouri and New York Residents: Residents of the State of Minnesota, Missouri and New York are not required to purchase the Individual Passenger Protection Plan in order to purchase Vacation Express' Penalty Protection Plan Benefit. Please contact your Vacation Express travel consultant for details.

For more details on this plan, please visit https://vacationexpress.archinsurancesolutions.com/description-of-coverage.

Please Note: PPP+ is not available including, but not limited to, the following circumstances: on certain peak travel dates and with non-refundable hotel rates.


OPTION 3: VACATION PROTECTION INSURANCE [VPI]

For hotel packages: From $89.00 per adult and $49.00 per child*
For flight and hotel packages: $139.00 per adult and $69.00 per child*
For charter flight-only packages: $139.00 per adult and $69.00 per child*

*Ages under 12 are considered children with this plan.
Please note: VPI is offered on a limited basis with select products only.

VPI is underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and endorsements thereto.

Trip Cancellation
VPI allows you to cancel your trip 48 hours or more before your original scheduled departure time for any covered reason and receive a refund [in a form Arch Insurance deems appropriate] equal to 100% of the unused non-refundable prepaid expense, less the VPI fee, provided that your premium payment is received within 14 days of initial deposit/payment for your trip.
Please note: This policy must be purchased within 14 days of deposit date or before final payment is due, whichever occurs first.

SCHEDULE OF BENEFITS for VPI

Benefits Maximum Benefit Amount
Part A: Travel Arrangement Protection
Trip Cancellation 100% of Trip Cost [Maximum $10,000]
Trip Interruption 100% of Trip Cost [Maximum $10,000)]
Occupancy Upgrade 100% of Trip Cost [Maximum $10,000]
Missed Connection $1,000 | 3+ hour delay
Trip Delay $1,000 [$200/day | 8+ hour delay]
Part B: Travel Insurance Benefits
Emergency Accident & Sickness Medical Expense $50,000 | Includes $750 emergency dental
Medical Evacuation and Repatriation of Remains $100,000
Coverage For Your Belongings and Property of Others
Baggage and Personal Effects $1,500 | $300 per item | $600 Combined Article limit
Baggage Delay $300 | 12+ hours
Sports Equipment Rental $1,000
Assistance
24/7 Worldwide Assistance Services - Non-insurance services Included

For more details on this plan, please visit https://vacationexpress.archinsurancesolutions.com/description-of-coverage.


Please Note: The information above provides a broad overview of your plan provisions and does not revise or amend the plan. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and endorsements thereto. Policies are administered by Arch Insurance Solutions, 1-855-286-8350, CA License #0I18111, TX License #1787195, Executive Plaza IV, 11350 McCormick Road, Suite 102, Hunt Valley, MD 21031. Your policy is the contract that specifically and fully describes your coverage. Certain restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer disclosures can be found at: https://vacationexpress.archinsurancesolutions.com/description-of-coverage.