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Vacation Protection

Insurance Plans to Safeguard Your Travel Experience

Help protect your vacation plans because the unexpected can happen. Vacation Express strongly recommends the purchase of travel protection. Each option has different benefits and payment policies. The insurance coverage goes into effect the date your payment is received by Vacation Express and is non-refundable and non-transferable. You may cancel your insurance coverage within 10 days after your payment is received. See policy for more details.

To cancel a booking with VPP, VPP+ or VPI, please call Vacation Express at 800.309.4717 during regular business hours prior to trip departure time, as specified in each plan. You may also cancel your booking online by retrieving your booking and selecting "Cancel" under "Options". If you are departing within 24 hours and cancel online you must cancel your airline ticket directly with the airline. Failure to do so may result in a loss of the value of the ticket.

Effective March 1, 2023, there are updates to pricing and inclusions for our vacation protection plans. Please review the plans below carefully. Vacation Express non-insurance services updates are for all existing reservations, including those made prior to March 1, 2023.


Vacation Protection Plan [VPP]
Vacation Protection Plan Plus [VPP+]
Vacation Protection Insurance [VPI]

For additional information and to review post-departure coverage details on these plans, please see the link at the bottom of this page. For vacation protection details for contracted groups please click here.


OPTION 1: VACATION PROTECTION PLAN [VPP]

Vacation Protection Plan [VPP] with Pre-Departure Waiver

Pre-Departure Waiver and the following non-insurance services are provided by Vacation Express and are not insurance benefits.

You can cancel your vacation for any reason and receive a refund in the form of a future travel certificate. VPP must be added to your booking by final payment due date. Once purchased, your plan cost is non-refundable.

Cancellations:
You can cancel for any reason a minimum of 2 hours prior to original scheduled departure time as indicated in your travel documents or no later than 9AM local time of the hotel the day of arrival for hotel-only bookings. When you purchase the VPP, all applicable cancellation charges [does not include change fees or reduced deposit plan fees] as per your Terms and Conditions contract will be refunded in the form of Vacation Express future travel certificates, known as a VPP Voucher, less the VPP plan cost as follows:

Vacation Express exclusive non-stop flight packages and hotel only packages will receive a VPP voucher for the cost of the package, less the VPP plan cost. Scheduled-air packages will receive a VPP voucher for the cost of the hotel portion less the VPP plan cost along with the airline ticket numbers and be advised of the ticket cost. If you used the reduced deposit plan [RDP] for your booking you must have paid for your airline ticket, insurance and the cost of RDP in full in order to receive the airline ticket for future use. Travelers can use the cost of the airline ticket, less the airline change fee [up to $250 per ticket] to purchase a new ticket to:

  • The same Vacation Express destination on same carrier
  • A different Vacation Express destination on same carrier
  • Any destination that the issuing carrier serves. This option requires contacting the issuing airline directly for reservations.
Non-refundable hotel rooms are not eligible to receive a refund or voucher if VPP or VPP+ are purchased. You must select VPI for this room type to be eligible for coverage.

Each airline carrier has different rules on rebooking travel, we recommend contacting the airline immediately to ensure you have the most updated information.

VPP Voucher Information:

  • Vouchers are issued in the original names of the passengers on the booking at the time of cancellation.
  • The vouchers are non-transferable and name changes will not be accepted.
  • Passengers have one year from original date of travel to rebook and travel using their voucher toward another package to any Vacation Express destination.
  • VPP can be repurchased when rebooking your vacation with the original VPP voucher, however your original voucher's expiration date will not change in the event you have to cancel your trip again.
  • Under no circumstances does the VPP allow for a full or partial cash refund, nor can it be extended.
  • Please check with your airline for their specific requirements.

Change Fee Waiver:
A one-time change fee, per person will be waived prior to final payment due date. This applies only to Vacation Express change fees per our Terms and Conditions Contract. This does not include airline change fees where applicable. No changes can be made to bookings with non-refundable hotel rates. Re-issuing of airline tickets or hotel deviations while in-destination will incur a $75 per person change fee.

Booking Price Drop Guarantee:
A one-time price adjustment is permitted per room and only applies to the land portion. The air portion of a booking is not eligible for price adjustment. All travelers in the room must have purchased insurance to qualify. Price adjustments must be requested prior to final payment due date and, if applicable, any refunds will be processed to the original form of payment unless otherwise requested for added tours, transfers or fees. This does not apply to non-refundable room categories. Pricing must be available at Vacation Express at time of the request and all components must match. Email request for price drop adjustment to [email protected] and include current screen shot including same hotel, room category and flight schedule. No changes can be made to bookings with non-refundable hotel rates.

Please Note: VPP may not be available with certain hotels, certain room categories or contracted groups. VPP is not available with non-refundable hotel rates. Other exclusions may apply at Vacation Express' discretion.


OPTION 2: VACATION PROTECTION PLAN PLUS [VPP+]

Vacation Protection Plan Plus [VPP+] with Pre-Departure Waiver

Pre-Departure Waiver and the following service are provided by Vacation Express and are not insurance benefits.

You can cancel your vacation for any reason and receive a refund in your original form of payment. VPP+ must be added to your booking within 7 days of deposit date or by final payment due date, whichever occurs first. Once purchased, your plan cost is non-refundable.

Cancellations:
You can cancel for any reason a minimum of 2 hours prior to original scheduled departure time as indicated in your travel documents or no later than 9AM local time of the hotel the day of arrival for hotel-only bookings. When you purchase the VPP+, you will receive a refund for the full package price in the original form of payment less the VPP+ plan cost [does not include change fees or reduced deposit plan fees]. Non-refundable hotel rooms are not eligible to receive a refund or voucher if VPP or VPP+ are purchased. You must select VPI for this room type to be eligible for coverage.

Change Fee Waiver:
A one-time change fee, per person will be waived prior to final payment due date. This applies only to Vacation Express change fees per our Terms and Conditions Contract. This does not include airline change fees where applicable. No changes can be made to bookings with non-refundable hotel rates. Re-issuing of airline tickets or hotel deviations while in-destination will incur a $75 per person change fee.

Booking Price Drop Guarantee:
A one-time price adjustment is permitted per room and only applies to the land portion. The air portion of a booking is not eligible for price adjustment. All travelers in the room must have purchased insurance to qualify. Price adjustments must be requested prior to final payment due date and, if applicable, any refunds will be processed to the original form of payment unless otherwise requested for added tours, transfers or fees. This does not apply to non-refundable room categories. Pricing must be available at Vacation Express at time of the request and all components must match. Email request for price drop adjustment to [email protected] and include current screen shot including same hotel, room category and flight schedule. No changes can be made to bookings with non-refundable hotel rates.

Please Note: VPP+ may not be available with certain hotels, certain room categories or contracted groups. VPP+ is not available with non-refundable hotel rates. Other exclusions may apply at Vacation Express' discretion.


VPP and VPP+ Post-Departure Coverage

The following travel protection benefits are underwritten by Arch Insurance Company.

Benefits Maximum Benefit Amount per Person
Part A: Travel Arrangement Protection
Trip Interruption $1,000
Occupancy Upgrade $1,000
Missed Connection $1,000 | 3+ hour delay
Trip Delay $300 [$150/day | 8+ hour delay]
Part B: Travel Insurance Benefits
Emergency Medical Expense/Emergency Evacuation and Repatriation of Remains $25,000 | Includes $750 emergency dental | excess
Coverage For Your Belongings and Property of Others
Baggage and Personal Effects $1,000 | $300 per item | $600 limit for special limitations articles
Baggage Delay $300 | 12+ hour delay
Assistance
24/7 Worldwide Travel Assistance Services Included

Notice to New York Residents: Residents of the state of New York are not required to purchase the Post Departure Coverage in order to purchase either the VPP or VPP+ Pre-Departure Wavier. Please contact your Vacation Express travel consultant for details.


VPP and VPP+


The price table below reflects adult and child from pricing for the insurance premium and the pre-departure waiver.*


Plan Type of Package   Length of Stay     Price per   Adult   Price per   Child   Peak Travel Surcharge
Adult*
Peak Travel Surcharge
Child*
Vacation Protection
Plan [VPP]
Hotel-Only 4Nts or Less $49 Price per Adult $29 Price per Child +$40 Peak Travel Surcharge Adult* +$30 Peak Travel Surcharge Child*
5Nts or More $69 Price per Adult $29 Price per Child +$50 Peak Travel Surcharge Adult* +$30 Peak Travel Surcharge Child*
Flight-Only

-

$109 Price per Adult $109 Price per Child +$70 Peak Travel Surcharge Adult* +$70 Peak Travel Surcharge Child*
Vacation Packages

4Nts or Less $79 Price per Adult $39 Price per Child* +$40 Peak Travel Surcharge Adult* +$30 Peak Travel Surcharge Child*
5Nts or More $99 Price per Adult $39 Price per Child +$50 Peak Travel Surcharge Adult* +$30 Peak Travel Surcharge Child*
Vacation Protection
Plan Plus [VPP+]
Hotel-Only 4Nts or Less $99 Price per Adult $69 Price per Child +$60 Peak Travel Surcharge Adult* +$40 Peak Travel Surcharge Child*
5Nts or More $129 Price per Adult $89 Price per Child +$70 Peak Travel Surcharge Adult* +$40 Peak Travel Surcharge Child*
Flight-Only

-

$189 Price per Adult $189 Price per Child +$70 Peak Travel Surcharge Adult* +$70 Peak Travel Surcharge Child*
Vacation Packages 4Nts or Less $179 Price per Adult $99 Price per Child +$60 Peak Travel Surcharge Adult* +$40 Peak Travel Surcharge Child*
5Nts or More $209 Price per Adult $109 Price per Child* +$70 Peak Travel Surcharge Adult* +$40 Peak Travel Surcharge Child*

*Rates effective 3/1/23, subject to change. *Both plans, VPP and VPP+, are available for most packages year-round; however, some holiday departures [including December 16-31], peak travel dates [depending on departure city and date] and higher priced room categories or hotels may incur a surcharge of $40-$70 per adult and $20-$30 per child 12 and under.

For travelers seeking higher limits, consider upgrading the VPP or VPP+ with a Supplemental Upgrade. Each of these plans provides the same benefits with the upgrade of coverage limits; $2,000 Trip Delay and $50,000 Emergency Medical Expense/Emergency Evacuation and Repatriation of Remains. This supplement is available for an additional $20 per person and can only be purchased in conjunction with one of the plans above.


OPTION 3: VACATION PROTECTION INSURANCE [VPI]

VPI is offered in most cases when VPP or VPP+ are not offered as an option. This may include certain hotels, certain room categories, non-refundable hotel rates as well as other scenarios. If you cancel or interrupt your vacation due to an unforeseen, covered reason listed in your policy, benefits may be reimbursed up to 100% of the cost of your trip for unused, prepaid non-refundable travel arrangements. If you used the reduced deposit plan [RDP] for your booking you must have paid for your airline ticket, insurance and the cost of RDP in full in order to receive your refund. VPI must be added to your booking within 7 days of deposit date or before final payment due date, whichever occurs first.

For hotel-only packages: $123 per adult and $68 per child 12 and under
For flight and hotel packages: $179 per adult and $96 per child 12 and under

Change Fee Waiver:
A one-time change fee, per person will be waived prior to final payment due date. This applies only to Vacation Express change fees per our Terms and Conditions Contract. This does not include airline change fees where applicable. No changes can be made to bookings with non-refundable hotel rates. Re-issuing of airline tickets or hotel deviations while in-destination will incur a $75 per person change fee.

Booking Price Drop Guarantee:
A one-time price adjustment is permitted per room and only applies to the land portion. The air portion of a booking is not eligible for price adjustment. All travelers in the room must have purchased insurance to qualify. Price adjustments must be requested prior to final payment due date and, if applicable, any refunds will be processed to the original form of payment unless otherwise requested for added tours, transfers or fees. This does not apply to non-refundable room categories. Pricing must be available at Vacation Express at time of the request and all components must match. Email request for price drop adjustment to [email protected] and include current screen shot including same hotel, room category and flight schedule. No changes can be made to bookings with non-refundable hotel rates.


SCHEDULE OF BENEFITS for VPI

Benefits Maximum Benefit Amount per Person
Part A: Travel Arrangement Protection
Trip Cancellation 100% of Trip Cost [Maximum $10,000]
Trip Interruption 100% of Trip Cost [Maximum $10,000]
Occupancy Upgrade 100% of Trip Cost [Maximum $10,000]
Missed Connection $1,000 | 3+ hour delay
Trip Delay $1,000 [$200/day | 8+ hour delay]
Part B: Travel Insurance Benefits
Emergency Accident & Sickness Medical Expense $50,000 | Includes $750 emergency dental | excess
Medical Evacuation and Repatriation of Remains $100,000

Coverage For Your Belongings and Property of Others

Baggage and Personal Effects $1,500 | $300 per item | $600 limit for special limitations articles
Baggage Delay $300 | 12+ hours
Sports Equipment Rental $1,000
Assistance
24/7 Worldwide Travel Assistance Services Included

Please Note: The information above provides a broad overview of your plan provisions and does not revise or amend the plan. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and endorsements thereto. Policies are administered by Arch Insurance Solutions, 1-855-286-8350, CA License #0I18111, TX License #1787195, Executive Plaza IV, 11350 McCormick Road, Suite 102, Hunt Valley, MD 21031. Your policy is the contract that specifically and fully describes your coverage. Certain restrictions and exclusions apply, and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions.

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