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Vacation Protection

Insurance Plans to Safeguard Your Travel Experience

Help protect your vacation plans because the unexpected can happen. Vacation Express strongly recommends the purchase of travel protection. Each option has different benefits and payment policies. The plan goes into effect the date your payment is received by Vacation Express and is non-refundable and non-transferable.

To cancel a booking with VPP, VPP+ or VPI, please call Vacation Express at 800.309.4717 during regular business hours prior to trip departure time, as specified in each plan. You may also cancel your booking online by retrieving your booking and selecting "Cancel" under "Options". If you are departing within 24 hours and cancel online you must cancel your airline ticket directly with the airline. Failure to do so may result in a loss of the value of the ticket.

Effective July 21, 2020, our travel protection options have changed to include more benefits. Find a summary of protections and added benefits below. For plan information prior to July 21, 2020 please click here.

Vacation Protection Plan [VPP]
Vacation Protection Plan Plus [VPP+]
Vacation Protection Insurance [VPI]

For additional information and to review post-departure coverage details on these plans, please see the link at the bottom of this page.


OPTION 1: VACATION PROTECTION PLAN [VPP]

You can cancel your vacation for any reason and receive a refund in the form of a future travel certificate. VPP must be added to your booking by final payment. Once purchased, your plan cost is non-refundable. This plan is not available with non-refundable hotel rates.

Vacation Protection Plan [VPP] Pre-Departure Waiver

The following benefits are provided by Vacation Express and are not insurance benefits.

Cancellations:
You can cancel for any reason 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 VPP, all applicable cancellation charges [does not include change fees or reduced deposit plan fees] as per your Terms and Conditions contract will be refunded in the form of Vacation Express future travel certificates, known as a VPP Voucher, less the VPP plan cost. Scheduled-air passengers will receive the airline ticket numbers [or paper tickets] and be advised of the ticket cost.

VPP Voucher Information:

  • Vouchers are issued in the original names of the passengers on the booking at the time of cancellation.
  • The vouchers are non-transferable and name changes will not be accepted.
  • Passengers have one year from original date of travel to use the voucher toward another package to any Vacation Express destination.
  • VPP can be repurchased when rebooking your vacation with the original VPP voucher.
  • Under no circumstances does the VPP allow for a full or partial cash refund, nor can it be extended.
  • Please check with your airline for their specific requirements.

Change Fee Waiver:
A one-time change fee, per person will be waived prior to final payment. This applies only to Vacation Express change fees per our Terms and Conditions Contract. This does not include airline change fees where applicable. No changes can be made to bookings with non-refundable hotel rates.

Price Drop Guarantee:
A one-time price adjustment is permitted per room and only applies to the land portion. The air portion of a booking is not eligible for price adjustment. All travelers in the room must have purchased insurance to qualify. Price adjustments must be requested prior to final payment and, if applicable, any refunds will be processed to the original form of payment. This does not apply to non-refundable room categories. Pricing must be available at Vacation Express at time of the request and all components must match. Email request for price drop adjustment to pricedrop@vacationexpress.com and include current screen shot including same hotel, room category and flight schedule. No changes can be made to bookings with non-refundable hotel rates.

Please Note: VPP is not available with non-refundable hotel rates.


OPTION 2: VACATION PROTECTION PLAN PLUS [VPP+]

You can cancel your vacation for any reason and receive a refund in your original form of payment. VPP+ must be added to your booking within 7 days of deposit date or before final payment is due, whichever occurs first. This plan is not available with non-refundable hotel rates or air only. Once purchased, your plan cost is non-refundable.

Vacation Protection Plan Plus [VPP+] Pre-Departure Waiver

The following benefits are provided by Vacation Express and are not insurance benefits.

Cancellations:
You may cancel your vacation for any reason prior to departure and receive a refund for the full package price in the original form of payment less the VPP+ plan cost [does not include change fees or reduced deposit plan fees]. All cancellations on VPP+ 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.

Change Fee Waiver:
A one-time change fee, per person will be waived prior to final payment. This applies only to Vacation Express change fees per our Terms and Conditions Contract. This does not include airline change fees where applicable. No changes can be made to bookings with non-refundable hotel rates.

Price Drop Guarantee:
A one-time price adjustment is permitted per room and only applies to the land portion. The air portion of a booking is not eligible for price adjustment. All travelers in the room must have purchased insurance to qualify. Price adjustments must be requested prior to final payment and, if applicable, any refunds will be processed to the original form of payment. This does not apply to non-refundable room categories. Pricing must be available at Vacation Express at time of the request and all components must match. Email request for price drop adjustment to pricedrop@vacationexpress.com and include current screen shot including same hotel, room category and flight schedule. No changes can be made to bookings with non-refundable hotel rates.

Please Note: VPP+ is not available with non-refundable hotel rates or for Traditional/Contracted Groups.


VPP and VPP+ Post-Departure Coverage

The following travel protection coverages are underwritten by Arch Insurance Company and are included with your purchase of either VPP or VPP+.

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 Post Departure Coverage in order to purchase either the VPP or VPP+ Pre-Departure Wavier. Please contact your Vacation Express travel consultant for details.


VPP and VPP+ Pricing


Plan Type of Package Length of Stay Price per
Adult
Price per
Child*
Holiday Surcharge
Adult*
Holiday Surcharge
Child**
Vacation Protection
Plan [VPP]
Hotel-Only 4Nts or Less $59 Price per Adult $39 Price per Child* +$40 Holiday Surcharge Adult +$30 Holiday Surcharge Child*
5Nts or More $89 Price per Adult $49 Price per Child* +$50 Holiday Surcharge Adult +$30 Holiday Surcharge Child*
Flight-Only

-

$109 Price per Adult $109 Price per Child* +$50 Holiday Surcharge Adult +$50 Holiday Surcharge Child*
Vacation Packages

4Nts or Less $89 Price per Adult $49 Price per Child* +$40 Holiday Surcharge Adult +$30 Holiday Surcharge Child*
5Nts or More $109 Price per Adult $59 Price per Child* +$50 Holiday Surcharge Adult +$30 Holiday Surcharge Child*
Vacation Protection
Plan Plus [VPP+]
Hotel-Only 4Nts or Less $89 Price per Adult $59 Price per Child* +$60 Holiday Surcharge Adult +$40 Holiday Surcharge Child*
5Nts or More $119 Price per Adult $79 Price per Child* +$70 Holiday Surcharge Adult +$40 Holiday Surcharge Child*
Vacation Packages 4Nts or Less $159 Price per Adult $89 Price per Child* +$60 Holiday Surcharge Adult +$40 Holiday Surcharge Child*
5Nts or More $189 Price per Adult $99 Price per Child* +$70 Holiday Surcharge Adult +$40 Holiday Surcharge Child*

*Ages 12 and under are considered children with this plan. **VPP and VPP+ are available year-round; however, some holiday departures [including December 18-31] and peak travel dates [depending on departure city and date] will incur a surcharge of $30-$70.


OPTION 3: VACATION PROTECTION INSURANCE [VPI]

In some cases, such as with non-refundable hotel rates, air-only and others, the above VPP and VPP+ plans may not be offered. In those cases the VPI plan is offered as an alternative. If you cancel or interrupt your vacation due to an unforeseen, covered reason listed in your policy, benefits will reimburse up to 100% of the cost of your trip for unused, prepaid non-refundable travel arrangements. VPI must be added to your booking within 7 days of deposit date or before final payment is due, whichever occurs first. The VPI plan cost is not refundable after 14 days from purchase.

For hotel packages: From $109.00 per adult and $60.00 per child*
For flight and hotel packages: $158.00 per adult and $85.00 per child*
For charter flight-only packages: $158.00 per adult and $85.00 per child*

*Ages 12 and under are considered children with this plan.


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

Please Note: VPI is available for bookings with non-refundable hotel rates and Traditional/Contracted Groups.


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.


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