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Hurtigruten's Travel Protection Plan

Benefit Highlights

Trip Cancellation & Interruption
Protect travel investments and recover non-refundable, prepaid trip costs if a trip is cancelled or interrupted due to a covered reason. Refer to the Description of Coverage for complete details.

  • Sickness, Injury or Death
  • Trip Delay of 50% or more
  • Financial Insolvency
  • Residence/Destination Uninhabitable
  • Traffic Accident en Route
  • Involuntary Employment Termination/Transfer
  • Military Duty for Natural Disaster
  • Death/Hospitalization of Destination Host
  • Common Carrier Cancellations/Delays
  • Weather
  • Strike
  • Quarantine
  • Hijacking
  • Jury Duty
  • Subpoena
  • Terrorist Act
  • Mandatory Evacuation
  • Documented Passport/Visa Theft

Trip Delay
Provides reimbursement for additional costs such as accommodations, transportation, and meals if a trip is delayed 5 hours or more for a covered reason.

Missed Cruise Connection
Includes reimbursement for unused, non-refundable expenses and additional costs such as accommodations, transportation and meals if your connection is missed by 3 hours or more for a covered reason.

Baggage & Baggage Delay
Safeguards personal articles and expense if bags are lost, stolen, damaged, or delayed for 12 hours or more.

Emergency Medical Expenses
Provides coverage for emergency medical treatment if a sickness or injury occurs while traveling.

Emergency Medical Evacuation
Provides coverage for emergency evacuation, if necessary, to the nearest qualified medical facility, also includes repatriation.

24 Hour AD&D
Provides coverage for loss of life, limbs or sight from a covered accidental injury anytime during your travel.

Travel Assistance & Concierge*
Includes a wide range of services before and during trips through a 24/7 toll free number. Includes assistance with medical emergencies, lost documents or baggage, event ticketing, business services, and much more.

Benefits & Rates

Base Plan Benefits

Coverage Per Person

Trip Cancellation

100% of trip cost ($25,000 limit)

Trip Interruption

150% of trip cost ($37,500 limit)

Trip Delay/ Missed Cruise Connection


Baggage/Baggage Delay


Emergency Accident & Sickness Medical Expense


Emergency Medical Evacuation/Repatriation


Travel Assistance & Concierge*


Trip Cost
(use full cost per person)

Base Rate Plans Per Person







$0 excludes trip cancellation**






$1 - $500






$501 - $1,000






$1,001 - $1,500






$1,501 - $2,000






$2,001 - $2,500






$2,501 - $3,000






$3,001 - $3,500






$3,501 - $4,000






$4,001 - $4,500






$4,501 - $5,000






$5,001 - $5,500






$5,501 - $6,000






$6,001 - $6,500






$6,501 - $7,000






$7,001 - $8,000






$8,001 - $9,000






$9,001 - $10,000






*Provided by designated assistance provider.
**Receive all other base plan benefits including $1,000 in trip interruption coverage.

  • Children under age 21 are covered at no additional cost when accompanied by a covered adult family member; limit of 1 child per 1 adult. Please list accompanying children on enrollment form. If child’s trip cost exceeds $10,000 or adult trip cost, a plan must be purchased for the child at the above rates.
  • For rates on trip costs above $10,000 please ask you Vacations to Go travel counselor for more information.
  • Maximum trip length allowed 180 days. For trips 31-180 days in length add $8 per day.
  • An $8 processing fee will apply per plan, plans sold per household.
  • Rates are subject to change.

Exclusions & Limitations

The following exclusion applies to the Medical Expense, Trip Cancellation, Trip Interruption, and Trip Delay coverages:

We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the plan, including death that results therefrom. This exclusion does not apply to benefits under the Medical Evacuation and Repatriation Benefits.

The following exclusions apply to all coverages:

We will not pay for any loss under the plan, caused by, or resulting from:

  • suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane;
  • mental, nervous, or psychological disorders (does not apply to Medical Expense Benefits);
  • being under the influence of drugs or intoxicants, unless prescribed by a physician;
  • normal pregnancy or resulting childbirth or elective abortion;
  • participation as a professional in athletics; riding or driving in any motor competition;
  • declared or undeclared war, or any act of war; civil disorder (does not apply to Trip Delay);
  • service in the armed forces of any country;
  • operating or learning to operate any aircraft, as pilot or crew; mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company;
  • any criminal acts, committed by you;
  • a loss or damage caused by detention, confiscation or destruction by customs;
  • elective treatments and procedures; medical treatment during or arising from a covered trip undertaken for the purpose or intent of securing medical treatment;
  • a loss that results from an illness, disease or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

Please refer to your Description of Coverage for Baggage/Baggage Delay and Rental Car Damage exclusions.

DEFINITIONS: Pre-Existing Condition means an illness, disease, or other condition during the 60 day period immediately prior to your effective date for which you or your Traveling Companion, Domestic Partner, Business Partner or Family Member scheduled or booked to travel with you:

1) received or received a recommendation for a diagnostic test, examination, or medical treatment; or

2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

Meet Your Travel Needs

In today’s travel environment it’s important to protect you and your trip investment. Meet your travel needs with the customized coverage Travel Select offers and find the peace of mind your trip deserves with these valuable plan highlights:

Primary Coverage
Easy claims handling, less time and hassle to receive reimbursement for eligible losses from us first, with no deductibles, before any other collectible insurance.

Post Departure Protection
Select the $0 trip cost level if you don’t need cancellation coverage. Receive all other base plan benefits, plus $500 in trip interruption coverage.

Ten Day Free Look
If you are not completely satisfied within 10 days of purchasing this plan, the insurance company will refund your premium cost, if you have not departed on your trip or filed a claim.

This is not a complete description of all benefits and limitations. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Prices, terms, and conditions listed in this summary are subject to change without notice, and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking.

If you book a Hurtigruten cruise, you can purchase insurance from Hurtigruten or from the independent insurance provider, Generali Global Assistance (formerly CSA Travel Protection). Click here to see details of the Go Plan from Generali Global Assistance.