How Does Care & Assistance Plus Differ
from Travel Medical Insurance?

Travel Insurance

Care & Assistance Plus (CAP):

Has a lengthy, complex claim approval process.Is instantly available and hassle-free.

With travel insurance, your benefits come into play only after you’ve already had a loss and paid out of pocket. The claims process is typically lengthy, requiring lots of paperwork documentation – and then, if your insurer’s extensive list of exclusions don’t apply – you’ll have to wait for your partial reimbursement (minus your deductible).

There is no claim filing process or qualifications for approved assistance.

Helps you after a crisis.Provides immediate support, now.

Travel insurance companies may help you with reimbursements on eligible expenses, but when you’re traveling and there’s an emergency, you’ll still have to pay out of pocket AND find your own solution for the problem (i.e. figuring out how to get yourself and your loved ones to safety).

If you’re traveling and there’s a medical or security emergency, you can just sit back, relax, and trust that our elite crisis response teams will be there every step of the way.

We’ll get you out of harm’s way – FAST. Even if that means an emergency extraction by a team that includes combat-tested, former military special ops personnel.

And with a CAP plan, you’ll get access to the CAP Advantage App, which provides valuable, real-time travel risk intelligence and updates (to help you steer clear of trouble altogether). To learn more about the CAP Advantage App, click here.

Charges deductibles / service fees.Has no deductibles or service fees.

If you file a claim and it’s eligible for reimbursement (i.g. submitted in time and for an expense that’s not excluded in the fine print), travel insurance protection plans will reimburse your expenses minus your copay or deductible.

Your upfront, flat-fee amount is all you pay. No copay, no deductible, no unpleasant surprises.

Rejects most claims.Is always there to help.

Unless there’s a “loss” or qualifying event, such as “bodily harm or injury,” travel insurance protection plans don’t cover it.

That means if there’s the threat of a natural disaster, pandemic, or some kind of security issue, travel insurance companies 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.)

Unlike travel insurance protection plans, CAP plans include threats, so you’re taken care of before there’s an actual “loss,” “bodily harm or injury.”

When you’re traveling, we’ll be there when you need us most. With backup.

Has loopholes in coverage.Has your back in any situation, large or small.

Travel medical insurance policies typically don’t cover international travel – and even if they do, there are loads of exclusions, omissions, and limitations in the fine print (even if there is a qualified “loss” or “qualifying event”).

CAP plans include loads of benefits travel insurance policies exclude.

For example, all plans include benefits for pandemics (like COVID-19), natural disasters, terrorism, political threats (such as those caused by riots, strikes, and civil commotion), wrongful detention, violent crime (such as kidnapping, extortion, hijacking), and disappearance of persons.

We are able to guarantee access to life-saving emergency evacuation services – for which, you’ll pay nothing out of pocket.

May duplicate other policies.Is designed to fill in the gaps in insurance.

Travel insurance protection plan benefits are often duplicated in homeowners’, renters’, and medical or life insurance policies. (In effect, you pay twice for the same thing.)

CAP plans are designed to compliment, not duplicate your insurance coverage.

For example, we don’t cover medical expenses, lost baggage, flight cancellations or the theft of your property.

Don't have 'boots on the ground' help.Provides in-country support.

Travel insurance companies are primarily composed of the teams back home, sitting behind the desk (such as adjustors, administrators, and lawyers), whose role it is to process your claim.

CAP plans have global reach and local expertise with 24/7 crisis response services in over 140 countries and 600 locations.

Our elite team of medical, security, legal, and crisis response experts can be deployed to your side, if need be.

How Does Care & Assistance Plus Differ
from Travel Medical Insurance?

No matter where you go, you can count on us.

CAP experience badge icon

years of experience

CAP world icon

countries served

 critical care nurses icon

critical care flight nurses

 air ambulances icon

air ambulances

CAP locations marker icon

locations supported

 oncall medical providers icon

on-call medical providers

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vetted medical, security & crisis response assets

CAP stethoscope medical practitioners icon

medical practitioners in network

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customers protected

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