SelectAP is an annual travel protection plan that provides travel insurance benefits that may apply across multiple trips within a 12-month policy period. The plan helps manage a variety of common travel disruptions, including trip cancellations, interruptions, delays, and baggage issues. It also includes emergency medical coverage and may provide support for certain adventure activities, subject to the plan terms, conditions, and exclusions. Coverage is applied on a per-person, per-trip basis within the policy period, and annual aggregate limits determine how benefits are allocated across all eligible trips. Optional features may extend coverage for specific activities at an additional cost.

SelectAP coverage applies on an annual basis, meaning the benefit limits are shared across all trips you take during the 12-month policy period rather than resetting for each trip. Each trip must remain within the plan’s maximum trip duration of 45 days. The plan allows you to use the same coverage for both domestic and international travel, subject to eligibility. This structure can simplify managing multiple trips, but it is important to track benefit usage because the annual limits are cumulative. Optional features may also be selected to extend coverage to activities or situations not included in the standard plan.

Yes, SelectAP coverage may be used for international travel as well as domestic travel, depending on the eligibility requirements outlined in the plan terms. Benefits such as trip cancellation, trip interruption, trip delay, emergency medical expenses, and medical evacuation may apply during international trips, subject to policy limits.

Coverage for certain adventure or recreational activities may also apply internationally if specified in the plan. You should review the policy carefully to ensure that the destinations and activities planned are covered. Some optional features may require additional selection or fees to extend coverage beyond standard benefits.

Each trip under SelectAP can last up to 45 days. Trips exceeding this maximum duration may not be fully covered, and some benefits may not apply beyond the allowed period. It is important to plan each trip within this timeframe to ensure that all eligible travel insurance benefits are available.

The annual coverage limits are cumulative across all trips, so using benefits on one trip will reduce the remaining coverage available for subsequent trips. Travelers should review the policy terms to understand how per-trip limits interact with annual aggregate limits and optional coverage features.

Pre-existing medical conditions are subject to the plan’s 60-day lookback period, which examines medical conditions you had in the 60 days prior to the effective date of the policy. SelectAP does not automatically waive pre-existing conditions unless specifically noted in optional coverage. Conditions within the lookback period may be excluded from coverage for trip cancellation, trip interruption , or medical emergencies. You should carefully review your health history and the policy terms to determine whether your conditions are covered. Optional features may provide coverage for certain pre-existing conditions, but additional costs may apply, and coverage remains subject to policy terms and exclusions.

SelectAP may include coverage for certain adventure, extreme, or winter sports, depending on your plan terms. Coverage for these activities is not automatic and is subject to the conditions outlined in the policy. You may also select optional features to extend protection to specific high-risk activities at an additional cost. It is important to review which activities are included and any exclusions that apply, as limits may differ for adventure sports compared with standard travel benefits. Travel insurance benefits such as emergency medical treatment and evacuation may still apply if the activity is covered, but all coverage is subject to the plan’s terms, conditions, and exclusions.

Yes. Emergency medical benefits provide coverage for necessary treatment during your trip, up to the annual limits stated in the plan. This includes a dental sublimit for certain procedures and emergency medical evacuation if transportation to a suitable medical facility is needed. Coverage applies per the plan’s terms, conditions, and exclusions, and pre-existing conditions are subject to the 60-day lookback period. Optional features may extend coverage for additional situations or activities, but these are not automatically included. You should review the plan carefully to understand how medical benefits are applied across multiple trips and ensure you meet all eligibility requirements.

Yes. You may select optional features to extend coverage for specific activities, trip events, or situations not included in the standard plan. These features may involve additional costs. Optional benefits, including adventure sports coverage and certain pre-existing condition waivers, are applied according to plan terms, conditions, and exclusions. You should review the policy details carefully to confirm which optional features are available, how they affect your coverage, and whether they apply to your planned trips. Optional features are managed alongside your core benefits and may influence how annual limits are shared across multiple trips.

Coverage limits under SelectAP are applied on an annual basis, not per individual trip. Benefits may be shared across all eligible trips you take within the policy year. Using benefits on one trip will reduce the remaining coverage available for subsequent trips. Each trip must fall within the maximum allowed duration, and all claims are subject to the plan’s terms, conditions, and exclusions. Understanding how annual limits work helps you plan multiple trips and ensures you remain within coverage limits. Optional features may affect specific benefit limits or applicability for certain activities.