|
Comparison of Ker & Downey, Travelex
Lite and CSA Insurance Plans
This can be
very confusing. The analysis is meant to assist you in determining what
is best for you. If you do not want to study all of this we will make a
recommendation based on your situation as which policy is best for you.
You need to
purchase Travelex & CSA within the time frames specified or many of the
policy benefits below do not apply
|
Travel
Arrangement Protection |
|
|
Ker & Downey |
Travelex Lite
Max 15k pp |
CSA Comfort
Max 25K pp |
|
Pricing |
See second page |
See second page |
See second page |
|
Trip Cancellation |
Up to Trip Cost |
Equals trip cost up to $30,000 |
Up to trip cost |
|
Trip Interruption |
Up to Trip Cost |
150% of trip cost up to $45,000 |
Up to 150% of trip cost |
|
Trip Delay |
$100 a day up to $500 |
$750 |
|
|
Bankruptcy / Default |
None |
Equals trip cost up to $30,000 |
If purchased within 24 hours of final payment |
|
Itinerary Change |
None |
$250 |
None |
|
Age Considerations |
None |
Rates vary with age |
Rates vary with age |
|
Terrorism |
None |
Limited – 30 days from act |
Must be due to arrive or depart within 30 days in the city
where the terrorist act took place. Other conditions also
apply. |
|
Primary vs. Secondary |
Secondary Coverage |
Primary Coverage |
|
|
Purchase Time |
Up to final payment. For full
coverage, must be purchased within 7-days of deposit. |
Up to departure. For full coverage, must be purchased within
21-days of deposit |
For full coverage must be purchased within 24 hours of final
payment |
|
Medical
Protection |
|
Emergency Evacuation and
Repatriation of Remains |
$25,000 |
$50,000 |
$250,000 |
|
Accident Medical Expenses |
$25,000 |
$5,000 |
$50,000 |
|
Sickness Medical Expenses |
$25,000 |
$5,000 |
$50,000 |
|
Pre-existing Condition
Waiver |
Waived. If purchased within 7-days of deposit. |
Waived. If purchased within 21-days of deposit |
Waived if purchased within 24 hrs of final payment |
|
Pre-existing exclusion
Period |
60 day before purchase of insurance. Travelers only.
Family always covered |
90 days before purchase of insurance travelers & family
members. |
180 days before purchase of insurance. Travelers only.
Family covered. |
|
Baggage
Protection |
|
Baggage / Personal Effects |
$1,000 |
$1,000 |
$1000 |
|
Baggage Delay |
$300 |
$250 |
$250 |
|
Travel
Accident Protection |
|
Accidental Death &
Dismemberment |
$25,000 |
$10,000 |
None |
|
Air Common Carrier |
None |
$50,000 |
$100,000 |
Worldwide Emergency
Assistance
|
|
Medical Consultation &
Monitoring |
24 Hours |
24 Hours |
24 Hours |
|
Emergency Legal Advice |
24 Hours |
24 Hours |
24 Hours |
|
Emergency Medical & Dental
Insurance |
24 Hours |
24 Hours |
24 Hours |
|
Lost Travel Documents
Assistance |
24 Hours |
24 Hours |
24 Hours |
|
Emergency Medical Payment
Assistance |
24 Hours |
24 Hours |
24 Hours |
.
TRAVELEX
RATES
– must purchase in 21 days for pre-existing waiver
|
Trip
Cost |
Plan
Rates per person for trips of 1-31 days in length.
$5.00
administrative fee will be added to all insurance policies. |
Ages
0-34
|
Ages
35-60 |
Ages
61-70 |
Ages
71-75 |
Ages
76-80 |
Ages
81+ |
|
$1 - $500 |
$22 |
$32 |
$36 |
$47 |
$57 |
$96 |
|
$501 - $1,000 |
$37 |
$45 |
$57 |
$81 |
$101 |
$160 |
|
$1,001 - $1,500 |
$49 |
$62 |
$80 |
$107 |
$144 |
$225 |
|
$1,501 - $2,000 |
$66 |
$83 |
$110 |
$153 |
$187 |
$290 |
|
$2,001 - $2,500 |
$83 |
$105 |
$136 |
$188 |
$232 |
$355 |
|
$2,501 - $3,000 |
$102 |
$124 |
$163 |
$225 |
$275 |
$421 |
|
$3,001 - $3,500 |
$117 |
$136 |
$193 |
$262 |
$318 |
$487 |
|
$3,501 - $4,000 |
$133 |
$149 |
$221 |
$297 |
$362 |
$552 |
|
$4,001 - $4,500 |
$149 |
$170 |
$279 |
$333 |
$404 |
$614 |
|
$4,501 - $5,000 |
$166 |
$190 |
$313 |
$370 |
$446 |
$680 |
|
$5,001 - $6,000 |
$194 |
$225 |
$346 |
$436 |
$494 |
$744 |
|
$6,001 - $7,000 |
$239 |
$283 |
$411 |
$518 |
$581 |
$873 |
|
$7,001 - $8,000 |
$284 |
$334 |
$494 |
$629 |
$780 |
$1,068 |
|
$8,001 - $9,000 |
$317 |
$362 |
$550 |
$707 |
$885 |
$1,213 |
|
$9,001 - $10,000 |
$354 |
$391 |
$605 |
$780 |
$992 |
$1,359 |
|
Emergency Medical Benefits Upgrade |
|
All Trips |
$24 |
$24 |
$44 |
$70 |
$70 |
$140 |
CSA COMFORT
RATES–
must purchase in 24 hours of final payment for pre-existing waiver
|
Trip
Cost |
Plan
Rates per person for trips of 1-31 days in length.
$6.00
administrative fee will be added to all insurance policies. |
Ages
0-30
|
Ages
31-55 |
Ages
56-70 |
Ages
71-75 |
Ages
76-80 |
Ages
81 - 84 |
|
$0 |
$15 |
$23 |
$25 |
$32 |
$38 |
$57 |
|
$1 -$50 |
$24 |
$33 |
$38 |
$51 |
$58 |
$91 |
|
$1,001 - $1,500 |
$52 |
$65 |
$83 |
$115 |
$147 |
$183 |
|
$1,501 - $2,000 |
$69 |
$87 |
$114 |
$156 |
$191 |
$238 |
|
$2,001 - $2,500 |
$87 |
$109 |
$141 |
$192 |
$236 |
$294 |
|
$2,501 - $3,000 |
$104 |
$129 |
$169 |
$231 |
$281 |
$347 |
|
$3,001 - $3,500 |
$121 |
$141 |
$202 |
$269 |
$324 |
$402 |
|
$3,501 - $4,000 |
$139 |
|
