Detour Access
Detour Access is a modern travel insurance plan for travelers who want simple, reliable protection without the hassle. Built for both everyday trips and more adventurous travel, it combines strong trip coverage and medical protection in one easy-to-understand plan.
It covers the basics, including trip cancellation and interruption up to 100% of your trip cost (up to $30,000 per traveler for cancellation), travel delays, and protection for your luggage and gear. If something more serious happens, you’re covered with up to $1,000,000 in emergency medical care and evacuation, plus 24/7 travel assistance.
You’ll also get extra benefits that go beyond standard coverage, including protection for 500+ adventure activities, pet kenneling, hospital companion transportation, search and rescue, natural disaster and security evacuation, and sports equipment rental.
From relaxing getaways and cruises to guided tours and high-altitude adventures, Detour Access helps protect your trip and your health, so you can travel with confidence.
Coverages and Plan Info
Detour Access delivers streamlined, adventure-ready travel insurance with essential coverage and powerful protection when it matters most.
Plan Summary
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost |
| Baggage Loss | $3,000 $300 per article limit $500 combined max. for specified items (secondary) |
| Baggage Delay | 12+ hours $750 max. (secondary) |
| Medical Limit | $100,000 |
| Pre-Existing Condition Waiver | – |
| Pre-Existing Condition Lookback Period | 60 days |
| Medical Evacuation | $1,000,000 (secondary) |
Plan Info
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Plan Type | Comprehensive |
| Refund Policy | 10 Day Review Period |
| Available to | U.S. Residents |
| AM Best Rating | A |
Trip Protection
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost |
| Financial Default | 14 day wait |
| Terrorism in Itinerary City | Foreign and U.S. Domestic |
| Interrupt for Any Reason | – |
| Cancel for Any Reason | – |
| Baggage Loss | $3,000 $300 per article limit $500 combined max. for specified items (secondary) |
| Baggage Delay | 12+ hours $750 max. (secondary) |
| Travel Delay | 12+ hours $200 per day $2,000 max. (secondary) |
| Vacation Rental Damage | – |
Medical
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Limit | $100,000 |
| Dental | $500 included in Medical |
Pre-Existing Conditions
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Waiver | – |
| Lookback Period | 60 days |
Accidental Death
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| 24-Hr Full Coverage | $50,000 |
| Common Carrier | Included in Accidental Death 24-Hour |
| Flight Only | Included in Accidental Death 24-Hour |
Evacuation
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Evacuation | $1,000,000 (secondary) |
Additional Benefits
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| 24-Hour Emergency Assistance | Call for Details |
| Rental Car | – |
| Optional Coverages | – |
| Notes | Included Benefits: Cancel for Work Reasons $100,000 for Natural Disaster Evacuation $200 for Pet Boarding / Kennel Fees $100,000 for Political or Personal Security Evacuation $10,000 for Search and Rescue $5,000 for Sports Equipment Rental |
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