Travel insurance benefits vary from plan to plan -as does the coverage one may desire.  The following is a list of typical issues that may arise during a trip that you may want to consider when evaluating trip insurance plans.   Some situations are typically covered in base policies, while others may only be covered under a Cancellation For Any Reason (CFAR) policy – or perhaps not covered at all.   Any particular coverage concerns should be clarified with insurance reps.

Note: SJSC makes no recommendations of insurance carriers and plans.  This document is provided merely as food for thought.   
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• Baggage delay or loss of money or possessions from loss or theft
• 24-hour travel assistance
• Medical/dental expenses during the trip, including transportation
• Cancellation or early return home due to medical emergency to self or immediate family member, due to illness, accident or death.  
• Emergency evacuation from destination to a hospital of your choice.   
• Incurred cost of a missed connection, including higher priced alternative route or layover lodging. 
• Financial default or failure of airline, lodge or resort operations
• Cancellation or interruption due to damage to home from natural event, mechanical failure or other causes.
• Inclement weather issues – cancellation, interruption or extended stay at destination or connecting city
• Civil or political instability at home or destination
• Loss of employment due to involuntary layoff or termination
• Trip cancellation due to critical employer or personal business issues
• COVID-related issues:
  • Denial of entry to destination due to local or national health policies
  • Trip interruption due to quarantine upon arrival at destination
  • Shutdown of destination skiing operations
  • Costs incurred due to quarantine restrictions, including additional lodging expenses at destination prior to return home
  • Trip cancellation due to positive COVID test result.
  • Fear of travel because of prevailing infection rates

 

• CANCEL FOR ANY REASON (CFAR):
  • A CFAR plan is supplemental to a base plan, not a replacement for it. 
  • Usually must be purchased soon (10 to 21 days) after initial trip payment and must apply to 100% of pre-paid, non-refundable trip cost.
  • Cancellation must be no less than 48 to 72 hours before trip departure
  • A CFAR plan typically partially reimburses (50 to 75%) for reasons not otherwise covered in the base policy
  • Traveler should check that cancellation isn’t already covered in base policy, which reimburses at 100%

When multiple members use the same computer...   you need to logout of one account to access (or renew) another...  (the computer will usually 'remember' who was logged in last..)

From the Membership page (or any page that takes user to their WA profile)

Click on the [Edit your member profile] to get different view.. 

Then click on the [Event Home] to get top-level view

​Then click on Logout...

The other member can now sign in the their account...