• Member of the LGBTQ+ Community?
    CAP is Proud to Protect You

    LGBTQ+ Travel Medical & Security Assistance Plan
    for Lesbian, Gay, Bisexual, Transgender, or Questioning

CAP two women holding hands down the street

Travelers in the LGBTQ+ community face many challenges, both home and abroad. And, depending on the destination, travelers who identify as lesbian, gay, bi-sexual, transgender, non-binary, or those questioning their sexual identity, may be at serious risk. Besides discrimination, LGBTQ+ travelers are subject to hate crimes and violence that could jeopardize their personal freedom – or even their very lives.

We are proud members of the IGLTA (International Gay & Lesbian Travel Association) and want to do our part to ensure members of the LGBTQ+ community are safe and secure.  

CAP fills in the gaps in travel insurance with the flat-fee LGBTQ+ Travel Medical & Security Assistance Plan, providing 24/7 emergency medical and security assistance without any out-of-pocket expenses. That means we’ll be there (in person, if needed) to get you to safety, fast. 

More, we help members of the LGBTQ+ community navigate the complex, highly nuanced laws and cultural customs of each destination, providing on-demand concierge assistance with legal referrals, language interpreters, and much more. 

With CAP, members of the LGBTQ+ community can travel fearlessly.

Did You Know?

There are almost 100 countries where homosexual behavior is against the law –  and even if it’s not outlawed entirely, there are often ‘public decorum’ or ‘public decency’ mandates that may be used by local authorities to harass and imprison members of the LGBTQ+ community. See Map.

The Best LGBTQ+ Travel Medical &
Security Assistance Protection Plan

For lesbian, gay, bisexual, transgender, non-binary,
and those exploring their sexual orientation

CAP™ Includes:

  • No-cost medical and security evacuation services
  • 24/7 unlimited live help through the CAP™ Advantage App (with access to local medical and security rescue operatives, if needed)
  • One-touch emergency assistance
  • Destination-based health, safety and security intelligence, including LGBTQ+ specific information
  • COVID-19 hospital-to-hospital transfer and mandatory quarantine expenses
  • Referrals to medical, dental and legal experts (hospitals too)
  • Access to language interpreters
  • Support if you lose luggage or important papers like passports or visas
  • Prescription advice and assistance

And so much more…

Old Couple Hiking

HeartsLGBTQ+ Travel Medical & Security Assistance Plan

Plan at-a-Glance

  • Medical and security protection plan for LGBTQ+ travelers
  • For short-term or long-term international trips from your home country to multiple destinations – for as little as a few days, or as much as a year
  • Extremely affordable flat-fee, so no time-consuming claims process or out-of-pocket deductible expenses
  • Includes pre-existing conditions and high-risk areas
  • Cancel for any reason. Plans change, which is why our money-back cancellation policy allows you to cancel your protection anytime before you travel

Did You Know?

If you’re traveling four (4) months or more, or frequently throughout the year, you’ll want to enroll in our year-long plan (which is the most popular and best value, at less than a dollar a day). 

Key Plan Features You’ll Love

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Real-Time Travel Intelligence with
CAP™ Advantage App

We provide pre-travel advisories, incident monitoring and real-time alerts, country and city risk reports, location-based mapping with risk ratings, a one-touch “HELP” and in-app messaging feature, COVID-specific information, interpreter referrals, help with lost luggage, passports or visas, and more.

Learn More

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24/7 Medical &
Security Assistance

We can help you find the medical care you need, including prescription advice, referring you to doctors and dentists, and arranging for second opinions. We handle medical emergency evacuations, including transportation and lodging, even getting you back to your home country, if need be. And our elite security team is on call, whenever you need them.

Why Do I Need the LGBTQ+ Travel
Medical & Security Assistance Plan?

Here are the top reasons you need CAP

CAP man with suitcase cartoon

You may need security protection

Traveling nowadays, there are security concerns for everyone, but members of the LGBTQ+ community face additional risks, especially in places where sexual orientation or gender identity are marginalized or even criminalized. 

The LGBTQ+ Travel Medical & Security Assistance Plan gives you immediate access to our experienced, highly trained security team. If you’re wrongfully detained by the local law enforcement (whether it’s related to your sexual orientation or not), if there’s secular or political unrest (resulting in riots and civil commotion), or if something more serious occurs (such as a violent crime against you, or extortion, hijacking, or even an act of terrorism), CAP provides 24/7 security assistance to get you to safety – or home – fast.  

That’s right, access to a specialized security team (that includes former military special ops and federal law enforcement agents) is part of the package. The best part? The LGBTQ+ Travel Medical & Security Assistance Plan is flat-rate, so you don’t pay anything extra for an elite security force that’s proud to have your six. 

You’ll also enjoy a wide range of valuable concierge services, such as legal referrals, access to language interpreters, and assistance if you lose your baggage or important documents, like your passport or visa.

Did You Know?

Included in your plan is the CAP Advantage App, which among other things, provides real-time health, safety and security information, including country and city-specific insights on challenges and possible threats for LGBTQ+ travelers. Having this actionable intelligence on hand helps you stay safe (and helps you avoid dangerous situations altogether).

Accidents & natural disasters happen

If you have international travel medical insurance for accidents or natural disasters, you have to go through a time-consuming claim and costly deductible process. But that’s only half the problem. When there’s a crisis situation, you’ll be on your own, trying not to panic, doing your best to figure out how to get yourself to a hospital or out of harm’s way.

The LGBTQ+ Travel Medical & Security Assistance Plan gives you access to one-touch, 24/7 emergency assistance. Our crisis response centers are staffed by a highly trained, experienced team of medical and security personnel, including trauma physicians, nurses, paramedics, former military special ops and federal law enforcement agents. 

If you have an injury or serious medical emergency, our elite, multilingual team is on hand to get you to safety – fast. We’ll organize and cover your travel expenses, from lodging to airfare. And if medically necessary, we’ll cover the cost to evacuate you to the best available medical facility (even if it’s in your home country – and refer you to the best doctors.

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CAP cartoon character waving

You may not be covered for COVID-19

While many travel insurance policies have limited medical coverage, even for international travel, most don’t cover the COVID-19 coronavirus. Sudden travel bans and unexpected quarantines can completely derail your trip and postpone your travel home. 

The CAP LGBTQ+ Travel Medical & Security Assistance Plan fills in the gaps in your insurance, including COVID-19 pandemic mandatory quarantine expenses and hospital-to-hospital transfers. If a medical evacuation is needed, we’ll cover the cost of getting you to the best available medical facility (even if that means arranging for a medevac to a hospital near your home).  Our goal is to get you home, safe – and we’ll spare no expense to do it. The best part? It’s a flat-fee plan, so you won’t pay a dime out of pocket.

Backed by Lloyd's Logo
Shop confidently with CAP, having assurance that we have strong financial backing and are reinsured by Lloyd’s, London (the world’s leading insurance and reinsurance marketplace), which has an AM Best rating of A (Excellent). Having full solvency and indemnity to cover all financial risk means that we have the resources to be there when you need us most – fast.

What Do Travelers Like You Have to Say?

Even with an uncertain future in today’s world, CAP is able to convey a sense of security, with incredibly cheap assistance plans and the information I needed!!!

- E. Gomes

Great experience and the staff was knowledgeable, helpful, and empathetic to my family’s needs. Would recommend to all of my friends!

- N. Noonah

Being a CAP member allows me and my family to travel without worry. We are always reassured knowing that we have 24/7 access to the Crisis Response Center. Highly recommend CAP assistance for all your travels.

- K. Davidson

CAP provided me peace of mind during my vacation.

- L. Hartman

World Travel Trends Blog

Rainbow Socks in Australia

A Closer Look at What LGBTQ+ Travel in Australia is Like

LGBTQ+ Travel in Australia: What the Community Can Expect When Visiting Australia LGBTQ+ travel in Australia might soon be possible with the easing restrictions and vaccinations picking up across the globe. International summer travel is steadily opening for many North Americans, and LGBTQ+ travelers should be pinpointing Australia as one of the top destinations to […]

Frequently Asked Questions

CAP travel protection plans are designed to fill in the gaps that exist in international travel health insurance plans. Besides having loads of exclusions, travel insurance companies require a “loss” or qualifying event, such as “bodily harm or injury,” before they’ll consider any reimbursement.

Unlike travel insurance companies, CAP travel protection plans include threats, giving you immediate access to your benefits (i.e. medical benefits, travel security benefits, and comprehensive emergency response) before an actual “loss” or “bodily harm or injury” occurs.

With the flat-fee CAP travel protection plans, your medical and security assistance is available on demand, which means you won’t have to worry about paying out of pocket to get help, or going through a cumbersome, time-consuming claim filing and reimbursement process.

CAP travel protection plans are great as a standalone travel assistance plan or may be used to supplement your existing travel and medical insurance policies.

Yes. As long as you have the necessary information, you can purchase a CAP travel protection plan for your friends and relatives, including children, parents, and spouses.

Yes! You can cancel for any reason. Plans change, which is why our money-back cancellation policy allows you to cancel your protection any time before you travel.

Care & Assist Plus is the most affordable and comprehensive medical and security program for international travelers. Premium travel concierge services come standard, and CAP’s flat-fee, unlimited travel plans start at under a dollar a day, giving you immediate access to benefits (without service fees or deductibles). You won’t find a better deal anywhere.

When it comes to price and value, CAP protection plans are unrivaled in the travel insurance market.

Get a quote, you’ll see.

You don’t need to list a primary destination. If you’re planning a trip with multiple destinations, just let us know all the countries you’ll be visiting during your travels. Your CAP protection plan is designed to cover the entirety of your planned trip.

Summary of Benefits

We handle all the “What If’s,” so you can focus on the “What’s Next.”

What if there’s a …

Medical Emergency
Security Emergency
Pandemic (like COVID-19) / Mandatory Quarantine
Natural Disaster (or threat of one)
Violent Crime
Kidnap for Ransom
Hijacking
Terrorism
Wrongful Detention
Political Threats
(such as those caused by riots, strikes, and civil commotion)
Loss of Contact
(disappearance of persons)
Blackmail or Extortion

Does CAP protection include it?

 
 
 
 
 
 
 
 
 

CAP Protection Details

Protection Length
Coverage Area
Benefit Period
Trips ranging from a few days to 365 days
International*
Corresponds to period of protection

Key CAP Plan Benefits

While some international travel medical insurance providers cover evacuation services, there are key differences between these and CAP that our customers should know about.

Since CAP is not insurance, there’s no time-consuming claim filing process for reimbursements – nor is there a copay or deductible. It’s easy. CAP customers pay their flat-fee plan upfront, and our team handles the rest. Unlike insurance plan customers, CAP customers don’t pay out of pocket for emergency evacuation assistance.

CAP customers receive advice and support before, during, and after a crisis. How does that differ from international travel medical insurance coverage?

Travel medical insurance providers give very little support (if any), when help is most desperately needed – when there’s a threat, or an emergency is actually happening.

For example, if there’s the threat of a natural disaster, pandemic, or some kind of security issue, travel medical insurance protection plans won’t provide coverage benefits until after that threat becomes a reality. (Long after – once claims are filed, expenses are submitted for reimbursement, and deductibles or service fees are paid.)

If there’s a medical emergency in a foreign country, a travel medical insurance customer will have to figure out the details. What hospital do they go to, and is it well qualified to treat the patient? How do they get there? How do they find a doctor that speaks their language? While travel medical insurance provides limited help ‘in the moment,’ CAP excels at it.

Whether a customer needs emergency evacuation services because of a natural disaster or specialized air ambulance services (with a licensed medical team), we handle it all. We guarantee access to life-saving evacuation services – and our customers pay nothing out of pocket. More importantly, we provide help right away, when customers most need us to.

CAP customers travel fearlessly because they know that, day or night, we’re there to help with valuable information, advice, and assistance.

If there’s an emergency, or even a threat of one, we provide 24/7 access to emergency response services via the CAP Advantage App.

Our Crisis Response Centers are composed of highly trained, experienced teams of multilingual medical and security personnel, including trauma physicians, nurses, paramedics, former military special ops and federal law enforcement agents. If needed, we’ll provide ‘boots on the ground’ support by sending a local team of security and crisis response assets to help or rescue CAP customers.

Altogether, there are 40,000 medical practitioners in our network, and our team consists of over 5,000 vetted medical, security, legal and crisis response personnel, including 1,200 health professionals and 200 intelligence analysts.

We have an incredible global network ready to supply emergency medical support. Besides having 2,400 medical providers and over 200 critical care flight nurses on demand for deployment, we have access to over 300 air ambulances.

To learn more about the CAP Advantage App, click here.

Medical Benefits**

International Emergency Care

CAP plans include transportation of a CAP customer from the medical facility where he or she is hospitalized and receiving medical treatment, to their home hospital of choice, when possible. The goal? To get CAP customers home, safe.

CAP plans include a wealth of valuable services for pandemics, including real-time intelligence reports, ground transportation support, emergency medical evacuation (medevac), and the costs of a CAP customer’s COVID-19 mandatory quarantine expenses (for up to 14 days).

While a handful of international travel medical insurance providers now cover pandemics like COVID-19 (including some quarantine expenses), they’re on a reimbursement basis, which means the customer has to pay out of pocket (and then go through a claims process for reimbursement of eligible expenses).

Flat-fee CAP plans don’t require a claims process, so customers are saved both from paying out of pocket and the cost of deductibles or service fees. And it’s important to note that with travel medical insurance providers, there are a lot of exclusions. For example, if there’s a COVID-19 pandemic outbreak and a customer is afraid to travel, most travel medical insurance plans deny coverage. Why? They exclude ‘fear of travel’ in the fine print.

Not so with CAP protection plans, where ‘fear of travel’ is included in our standard pandemic and COVID-19 benefits.

CAP plans include transportation from the medical facility where a CAP customer is hospitalized and receiving medical treatment (due to an injury or illness suffered during a trip) to their home hospital of choice. This includes the necessary arrangements for ground or air ambulance transportation from one hospital to the next (medevac), as well as all possible pre-admission arrangements. Also, if medically necessary, a medical escort or licensed medical team may accompany a CAP customer during the medevac.

We’ll make arrangements for ground or air ambulance transportation to and from the hospital, including pre-admission and medical escorts for ongoing medical supervision.

We’ll arrange for a family member, companion, or travel escort to accompany the CAP customer during an emergency evacuation (medevac) or a medically necessary repatriation (return home to country of residence).

During a dedicated medical air transport, CAP customers may have a traveling companion accompany them.

If a CAP customer is hospitalized or in critical condition while traveling with dependent children or a designated travel companion, we’ll arrange their return to the traveler’s country of residence.

If a CAP customer is hospitalized while traveling for more than 3 days (or is in critical condition), we’ll arrange for the accommodation and ground transfer of a family member or friend (designated by the CAP customer), so they are in easy reach of the hospital where the CAP customer is being treated.

Our multilingual staff will contact local attending medical personnel to monitor a CAP customer’s condition and keep their loved ones informed throughout the crisis (until the medical emergency is resolved).

We pay upfront for emergency transportation services, if they are covered by a CAP customer’s travel insurance policy.

If a service isn’t included by the insurer, we’ll contact the CAP customer for authorization and written approval before making any payments on their behalf.

We’ll advance the CAP customer’s on-site emergency hospital medical expenses within a reasonable timeframe (upon the satisfactory guarantee of payment from either the CAP customer or their insurance company).

CAP plan customers will be provided with detailed contact information for licensed physicians, dentists, hospitals, and clinics in the area they’re traveling – and upon request, we’ll find out the provider’s availability and even help set up appointments.

If a CAP customer is traveling and needs to fill a prescription, we’ll help coordinate the details with the doctor and locate a nearby pharmacy, so our customers get the medication they need.

We’ll assist CAP customers by coordinating communications with their insurers and/or managed care organizations. Support may include verifying policy enrollment, confirming medical benefit coverage, handling claims forms, navigating the ins and outs of multiple insurance benefits, getting a guarantee on medical payments, and more.

Security Benefits**

International Emergency Care

We provide support for CAP customers before, during, and after a natural disaster. From advice to help with transportation or an evacuation, we’ll be there – even if we need to send a rescue crisis response team to our customer’s location.

CAP customers also get access to the CAP Advantage App, which provides valuable, real-time travel risk intelligence and updates on natural disasters. To learn more about the CAP Advantage App, click here.

If a CAP customer is affected or harmed by a violent crime and needs quick medical attention or a safe place to go, our crisis response team is there to help, which includes coordinating with local law enforcement to investigate the crime and relaying messages to friends and family.

If a CAP customer is traveling and there’s a terrorism threat (or an act of terrorism) that threatens safety and well-being, our highly trained, experienced crisis response team is on call to provide immediate, expert advice and assistance.

Whether that means finding a safe shelter, supplying on-scene medical support, or organizing an evacuation – we’re prepared to get CAP customers out of even the most dangerous and unpredictable environments, safely.

If a CAP customer is not directly affected by a terrorism threat, the CAP Advantage App provides real-time travel risk intelligence about safety and security threats that can impact travel plans. To learn more about the CAP Advantage App, click here.

In many popular tourist destinations, there are corrupt law enforcement officials and culturally biased legal systems (such as against the LGBTQ+ community, ethnic minorities, religious groups, women, and others), which can result in a CAP customer being unlawfully detained or arrested. If unchecked, a situation like this can quickly deteriorate, resulting in a huge expense and significant legal problems.

If a CAP customer is unlawfully arrested or illegally detained while traveling, our experienced security team is on hand to provide immediate, expert assistance. We’ll relay emergency messages, arrange for legal referrals, and even provide local language support from our expert interpreters.

If necessary, we’ll send a professional crisis consultant to a CAP customer to provide support and work towards a safe release.

Mass protests, social unrest, and violence from riots, strikes, and civil commotion are increasingly common – almost expected. If a CAP customer is in an area where a riot breaks out, a local protest turns violent, or there’s any kind of civil or political unrest that threatens safety and well-being – expert help is in the palm of our customer’s hands. Using the CAP Advantage App, CAP customers are instantly connected with live support.

Besides being able to provide valuable intelligence about the threatening situation, our highly trained crisis response team has the know-how and experience to guide a CAP customer to safety. If necessary, we’ll even deploy a member of our security or crisis response team for an evacuation.

Along with 24/7 live support, the CAP Advantage App delivers valuable, real-time travel risk intelligence to help customers steer clear of safety and security threats altogether. To learn more about the CAP Advantage App, click here.

Traveling internationally is exciting, but as a foreigner, it can be risky. When unfamiliar with the landscape, a traveler may wander off while sightseeing and get lost – or worse, may disappear because of some kind of criminal violence.

If a CAP customer disappears while traveling, our experienced security assistance and response team will take immediate steps to notify the customer’s emergency contact and provide strategic advice. If needed, we’ll deploy a crisis response specialist to investigate the disappearance in order to help find the customer and return them to safety.

While considered ‘white-collar’ crimes, blackmail and extortion can be costly, highly stressful, and even dangerous. A CAP customer is entitled to advice and assistance if threatened with blackmail or extortion, which may include our sending in a local crisis consultant to help resolve the threat.

While there are many protections in place to guard against plane hijacking, in many countries, it is still an all too frequent occurrence with cars, boats, and other vehicles.

In the event of a hijacking, CAP customers have the support of our specialized security and crisis teams. Using your GPS coordinates through the CAP Advantage App, we’ll coordinate with local law enforcement and government officials to help resolve the hijacking crisis and aid in the safe release of a CAP customer.

Business owners, employees, vacationers, and students are all at risk for kidnapping when traveling internationally. Besides the emotional toll, there is a heavy financial burden that exceeds the ransom demand. Expenses may include the cost of hiring special negotiators, security consultants, private investigators, attorneys, and more.

Families and employers of CAP customers are entitled to specialized security advice and assistance to help avoid many of the out-of-pocket costs as well as the time-consuming hassle of sourcing expert help. If necessary, we’ll deploy local crisis teams to help resolve the incident and work towards the safe return of the CAP customer.

Concierge Services

via CAP™ Advantage App

A wide array of concierge, security, and medical services are delivered via the CAP Advantage App. To learn all about the CAP Advantage App, click here.

We provide CAP customers with professional language interpretation and translation services in over 300 languages. When a customer needs help to communicate something important, such as a medical condition or allergies to certain foods or medications, having an expert translator isn’t just about convenience – it can be the difference between life and death.

If something goes wrong and a CAP customer urgently needs to send a message back home, we can transmit a message to family, friends, and business associates.

Having emergency communication support with a friendly, multilingual team of travel assistance specialists is extremely useful, especially during a crisis, when communication is often challenging. In most cases, the focus is on getting to safety, not phoning loved ones. That’s where we come in – we’ll help put minds at ease back home.

Should the need arise, we provide CAP customers with referrals to vetted legal resources.

When traveling, personal information or travel documents may get lost (or even stolen). To avoid a serious travel emergency because of a lost passport, visa, or other important documents, our friendly travel assistance specialists will provide CAP customers with professional guidance and support to replace missing travel documents in a timely manner.

If a CAP customer unexpectedly passes away while traveling, we’ll arrange the necessary payment and government authorization to transport the remains home to loved ones. This service may include the cost of embalming, the required documentation, a transport container, and transportation services.

*Pricing may vary. Exclusions apply. 

**Conditions and exclusions may apply. See Service Terms & Conditions for details.

Care & Assistance Plus – Protection You Can Trust

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