Summary of SmartBunny's travel insurance policies for US residents

Our available plans are:

1. Trip Protection Plan ('USA Plus')

• Coverage area: Anywhere in the world, more than 100 miles from your residence
• Coverage for:
  • Emergency Medical expenses:
    • This plan provides up to $250,000* of coverage for emergency medical expenses while traveling within the US (when you're more than 100 miles from your residence) and while traveling anywhere else in the world. Coverage limits vary depending on where you live (*coverage limit is $20,000 for residents of Missouri and Washington, and $150,000 for residents of New York, Oregon, Montana and Pennsylvania, per State regulations)
    • This policy treats COVID-19 as any other sickness, and so can provide coverage for such expenses while traveling, up to the limits of your policy.
  • Trip Cancellation or Trip Interruption expenses:
    • This policy also insures your pre-paid, non-refundable trip costs, in the event your travel plans are canceled prior to departure (or interrupted after departure) due to an unforeseen reason listed in your policy wording.
    • This may include, but is not necessarily limited to, the following covered reasons for Trip Cancellation – all of which could be triggered directly or indirectly by the COVID-19 pandemic. The exact language in each Plan may vary and not all covered reasons are included in each issued Plan: 
      • Sickness 
      • Death 
      • Quarantine 
      • Called to military duty for a national disaster 
      • Family or friends unable to provide accommodations due to life-threatening illness or death 
      • Being required to work during the trip 
      • Being laid off or fired from your job 

See your Plan Document for full details. 

• Available to travelers 14 days old to 99 years of age
• Maximum trip length is 90 days, with extensions available.
• A more detailed description of this policy can be found here.
• The policy wordings for this plan can be found here 

2. Emergency Medical Plan ('SmartBunny International')

• Coverage area: Worldwide, excluding within the USA
• This provides up to $5,000,000 for eligible medical expenses while traveling anywhere in the world outside of the United States.
• Available to travelers up to 79 years of age (Coverage limit drops to $250k for travelers aged 70-79)
• Good for trip lengths up to 365 days, but can be extended to provide coverage for up to 2 years.
• There is currently no coverage for trip costs under this plan. If you want insurance to cover your travel costs, please purchase the Trip Protection plan (USA Plus plan). 
• A more detailed description of this policy can be found here.
• The policy wordings for this plan can be found here 

3. Visitors to Canada Plan  

• US residents can now purchase SmartBunny's Visitors to Canada insurance, either for individual travellers or on a Family plan.
• Coverage area: Canada only
• Choose your coverage limit up to $1 million per traveller, this offers simplified emergency travel medical coverage for travel to Canada.
• No deductible, Direct Billing with Health Care providers wherever possible.
• Option to purchase coverage for stable pre-existing conditions.
• Underwritten by Lloyd's of London, Claims administered by Intrepid 24/7
• A more detailed description of this policy can be found here.
• The policy wordings for this plan can be found here