Pacific Cross International Bon Voyage Travel Insurance Plan 2024 In Review
- Written by: iPMI Global
In this iPMI Global plans and products review, we explore the Pacific Cross International, Bon Voyage Travel Insurance Plan.
With the end of year holiday season upon us, Pacific Cross Insurance reports a high demand for round trip travel insurance plans. Travel insurance plans are important because they provide peace of mind for travellers by offering a variety of benefits, such as coverage for medical expenses, emergency assistance, and travel delays.
Here are some of the reasons why the Bon Voyage travel insurance plan is highly demanded:
Medical Expense & Emergency Assistance: The plan covers medical expenses incurred due to illness or accidental injury, but with a maximum limit for people over 75 years old.
Coverage Flexibility: The plan offer flexibility on benefits and length of insurance, from 5 to 180 days of cover.
Additional Benefits: It includes benefits such as emergency evacuation, repatriation, hospital cash allowance, baggage and personal effects coverage, travel delay coverage, and personal liability coverage.
Peace of Mind: It offer peace of mind for travellers by providing financial protection against unforeseen events that can occur during international trips.
Pacific Cross Bon Voyage Travel Insurance Plan Key Features:
- Flexibility: The plan offers coverage from 5 to 180 days, catering to diverse trip lengths.
- Comprehensive Coverage: Includes benefits for personal accidents, medical expenses, emergency assistance, baggage issues, travel delays, and more.
- Adventure Activities Included: Covers winter sports, trekking, scuba diving (30 metres max), and other adventure activities without requiring additional premiums.
- Schengen Approved: Meets the requirements for travel within the Schengen Area.
- COVID-19 Coverage: Includes coverage for COVID-19 related medical expenses, with specific exclusions for trip curtailment and cancellation.
- No Deductible: Except for the optional rental car protection, all benefits are offered without a deductible.
- Accept travellers up to 85 years old.
- Cover cruise.
- Very competitive premium.
Plan Options:
The Bon Voyage plan offers three coverage levels: Plan A, Plan B, and Plan C. Each plan provides different benefit limits across various categories.
- Personal Accident: Offers coverage ranging from US$35,000 to US$100,000 for accidental death or permanent disability. Coverage is doubled for accidents occurring on public transportation.
- Medical Expense & Emergency Assistance: Covers medical expenses arising from illness or injury, including follow-up care, emergency evacuation, and repatriation.
- Hospital Cash Allowance: Provides a daily cash allowance for hospital stays exceeding 24 hours due to a covered disability.
- Baggage & Personal Effects: Covers loss or damage to baggage and personal belongings due to theft, accidents, or mishandling by carriers.
- Other Benefits: The plan also includes benefits for baggage delay, loss of travel documents, personal money loss, travel delays, trip curtailment and cancellation, personal liability, and incidental home country cover.
Important Notes:
- Eligibility: The minimum age for coverage is 6 weeks, and the maximum age is 85 years. Children under 7 years old must be accompanied by an insured adult.
- Exclusions: The policy outlines specific exclusions, such as pre-existing conditions, self-inflicted injuries, mental disorders, and participation in professional sports or high-risk activities.
- Claims Procedure: Claims must be submitted within 30 days of the policy's expiry, along with necessary documentation.
Jean-Marc Herbet, Regional Business Development Officer at Pacific Cross told iPMI Global, "Bon Voyage Travel plan is ideal for International travellers who needs flexibility on their travel insurance benefits and length of insurance required. From 5 days to 180 days of cover, Pacific Cross provides peace of mind for your next international trip. We price based on country of departure, not country of Residence, meaning anyone can join going nearly anywhere in the world. We cover year on year over 5 million trips to roughly 90 destinations, we proud ourselves to be an insurer sans frontier."
Pacific Cross Bon Voyage Travel Insurance: FAQs
- What is the age limit for Pacific Cross Bon Voyage travel insurance?
The minimum age is 6 weeks, and the maximum age is 85 years. Children under 7 years old must be accompanied by an insured adult on the same policy.
- Do you have loadings or exclusion for certain countries
We do have loadings for a small number of countries, and we do have restrictions for a certain of them, but we might be the only one today considering Russians nationals and flying or going to the US without loadings. I haven’t found yet a more comprehensive, flexible, competitive plan in the travel insurance market.
- What activities are covered under the Bon Voyage travel insurance plan?
The Bon Voyage plan provides coverage for a wide range of activities, including winter sports, trekking, scuba diving (30 metres max), rafting, and various aquatic sports, without requiring an additional premium.
- Is COVID-19 a covered condition under the Bon Voyage travel insurance plan?
Yes, COVID-19 is considered a covered condition under the plan, except for claims related to "Curtailment of Trip & Cancellation Charges."
- What are the key features of the Pacific Cross Bon Voyage travel insurance?
- Coverage for trips up to 180 days.
- No deductible for all benefits (except Optional Rental Car Protection).
- Coverage for adventure sports and activities.
- Baggage & Personal Effects coverage that includes laptop and tablet computers.
- Free 10-day policy extension if travel delay conditions are met.
- All plans are Schengen Approved.
- Does the baggage coverage include laptop computers and tablets?
Yes, the Baggage & Personal Effects benefit extends to cover loss or damage to laptop computers or tablet computers with a screen size of 7 inches or above (measured diagonally), up to a limit of US$500.
- My flight was delayed for more than 6 hours. What benefits am I eligible for?
If your flight is delayed due to covered reasons like severe weather, natural disasters, industrial action, hijacking, or mechanical issues, you are eligible for:
- Additional Travel Cost: Reimbursement for transportation expenses incurred due to the delay.
- Cash Allowance: If you don't have additional travel costs, you'll receive US$25 for every full 6 hours of delay.
- Emergency Purchases: Coverage for essential toiletries and clothing up to US$65 per article if your checked baggage is delayed for at least 6 hours.
- What are some of the general exclusions under the Bon Voyage travel insurance plan?
The plan does not cover:
- Suicide, self-inflicted injury.
- Childbirth, miscarriage.
- Dental treatment (except for injuries to natural teeth).
- Psychiatric and mental disorders, insanity.
- Alcoholism or drug addiction.
- Self-exposure to needless peril.
- Venereal disease, AIDS, or AIDS-related complex.
- Pre-existing conditions or specifically excluded illnesses.
- Professional sports, racing, competitions.
- High-risk activities like skydiving, rock or mountain climbing with ropes or parachuting.
- How do I file a claim with Pacific Cross?
You must submit a notice of claim within 30 days of the policy's expiry date to Pacific Cross. Include supporting documentation like reports from hospitals, physicians, police, airlines, or other relevant authorities.
Conclusion
The Pacific Cross Bon Voyage Travel Insurance plan offers comprehensive and flexible coverage for international travellers. The plan options and benefits allow individuals and groups to choose the level of protection that best suits their needs and budget.
Potential policyholders should carefully review the policy document to understand the specific terms, conditions, and exclusions before making a decision.
For more information, please contact Jean-Marc Herbet,
