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What is trip protection?

Alaska Airlines/Horizon Air offers trip protection through an insurance provider, Access America. Trip protection is the combination of travel insurance benefits and travel assistance services designed to provide you greater peace of mind and added protection when traveling. It's something that every traveler needs, no matter what type of trip they're taking.

Why should I purchase trip protection?

Trip protection insures your financial investment (up to the amount of your policy limits) should your trip be canceled or interrupted for a covered reason, as well as provide valuable assistance services.

What does trip protection cover?

The insurance component of trip protection provides reimbursement for nonrefundable financial expenses associated with certain canceled or interrupted trips. Additional benefits can provide reimbursement for unexpected travel expenses or medical and dental costs incurred on your trip as the result of an unexpected illness or injury.

What are the covered benefits of trip protection?

Insurance protection and services vary according to the covered plan purchased for your trip. These plans contain General Exclusions and Existing Medical Conditions Exclusions. Other conditions, limitations and exclusions apply. A complete description of the benefits, conditions, limitations and exclusions, will be emailed to you upon completion of the purchase process with Alaska Airlines. Be sure to call Access America at 1-800-496-6593 if, after purchasing this insurance, you do not receive the Certificate of Insurance/Policy that contains this vital information. Terms and conditions may vary according to your state of residence. For questions regarding coverage, please contact Access America at 1-800-496-6593.

Trip Cancelation/Interruption: Coverage provides financial protection for expenses related to trip cancelation or trip interruption caused by a covered reason. Trip Cancelation coverage provides reimbursement for prepaid, nonrefundable expenses, up to the amount of coverage purchased. Trip Interruption coverage offers reimbursement for the unused, nonrefundable portion of your trip and increased transportation costs for you to return home due to a covered reason. Some covered reasons are listed below:

1. Serious and unforeseen illness, injury or death of you, a covered family member or traveling companions.
2. Natural disasters or bad weather that result in the complete cessation of services by an airline, tour operator or cruise line for at least 24 consecutive hours.
3. Employer termination if you have been with the same employer for at least three continuous years, and are terminated through no fault of your own after the effective date of this insurance.
4. Fire, flood, burglary, vandalism or natural disasters making your home uninhabitable.
5. Emergency Medical & Dental: Coverage provides benefits for emergency medical or dental expenses you incur during the coverage period. Services must be provided by a licensed provider and must take place during your trip. A $50 deductible applies to outpatient care.
6. Emergency Medical Transportation: Pays for emergency medical transportation services, authorized in advance and organized by the Access America Hotline Center, and medically required as a result of an injury or illness which occurs during the coverage period, to have you moved to the nearest appropriate facility. Once you are able, we will also pay up to $5,000 to have you returned home.
7. Travel Delay: Offers reimbursement to cover additional accommodation and travel expenses due to a delay of at least 6 hours. Covered reasons for travel delay include carrier caused delays (including bad weather) and unannounced strikes. Payments may not exceed $150 per day.
8. Baggage Delay: Covers the reasonable additional purchase of essential items if your baggage is delayed or misdirected by a common carrier for 24 hours or more. Receipts for emergency purchases are required.
9. 24-Hour Hotline Help: Help is just a phone call away with Access America trip protection. A staff of multi-lingual problem solvers is available to help you gain access to local resources and information you need to solve a medical, legal or travel-related emergency.
10. Existing Medical Conditions Exclusion: Coverage for an Existing Medical Condition is excluded. An Existing Medical Condition is an illness or injury that exhibited symptoms or was treated for any time 120 days prior to purchasing your plan.

What will the 24-hour hotline service do for me?

Access America offers a 24-hour hotline staffed with multilingual specialists, trained to help travelers with emergency medical, legal or travel help. And should a medical emergency arise, we will coordinate medical assistance and emergency transportation.

Can I cancel my trip for any reason and get all my money back?

Within 10 days of purchasing the plan, Access America will process a full refund of premium to you, as long as you have not already departed on your trip or filed a claim. No refunds shall be paid to you after 10 days of purchasing the plan.

Trip Cancelation coverage will only refund prepaid, nonrefundable payments if you have to cancel for a covered reason. Covered reasons include sudden medical emergencies, death of a family member or traveling companion, certain terrorist acts or bad weather that completely shut down your common carrier, or being called for jury duty. There are other reasons as well, see the Terms and Conditions for complete details. Please note that no benefits will be extended for cancelations due to business obligations or simply changing your mind, as these are not covered reasons.

Are there events or medical conditions that are not covered?

Every insurance plan contains restrictions and limitations. Existing medical conditions are one of these limitations. For more information, please refer to the terms and conditions, or contact Access America at 1-800-496-6593 to receive more detailed information.

Who provides the insurance for these programs?

Access America branded plans are underwritten by BCS Insurance Company or Jefferson Insurance Company depending on the insured’s state of residence.

Who can I call if I have questions about trip protection?

Call Access America toll free at 1-800-496-6593.

Why isn't my trip protection purchase displayed in my Alaska Airlines itinerary?

Trip protection is purchased directly through Access America, Alaska Airlines preferred supplier. All policy documentation will be sent directly to you from Access America.

Is my trip protection canceled automatically if I cancel my travel arrangements with Alaska Airlines?

No. Be sure to contact Access America directly to make any changes and/or cancelations to your trip protection. Our satisfaction guarantee allows you up to ten days from the purchase date of insurance to cancel your protection plan and receive a full refund of premium, as long as you have not already departed on your trip or filed a claim. No refunds shall be paid after the ten days. However, if you do have to cancel your trip, make sure you review your Certificate of Insurance/Policy: your trip protection may provide benefits if you have expenses due to the cancelation.

When is the best time to purchase trip protection in order to be covered?

Right away! You can buy trip protection up until the day before you leave on your trip, but we recommend you purchase as early as possible to have the greater peace of mind that comes with knowing you're covered. Trip protection is available during the airline ticket purchase process. End of accessible content.

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1. What is trip protection?
Alaska Airlines/Horizon Air offers trip protection through an insurance provider, Access America. Trip protection is the combination of travel insurance benefits and travel assistance services designed to provide you greater peace of mind and added protection when traveling. It's something that every traveler needs, no matter what type of trip they're taking.
2. Why should I purchase trip protection?
Trip protection insures your financial investment (up to the amount of your policy limits) should your trip be canceled or interrupted for a covered reason, as well as provide valuable assistance services.
3. What does trip protection cover?
The insurance component of trip protection provides reimbursement for nonrefundable financial expenses associated with certain canceled or interrupted trips. Additional benefits can provide reimbursement for unexpected travel expenses or medical and dental costs incurred on your trip as the result of an unexpected illness or injury.
4. What are the covered benefits of trip protection?
Insurance protection and services vary according to the covered plan purchased for your trip. These plans contain General Exclusions and Existing Medical Conditions Exclusions. Other conditions, limitations and exclusions apply. A complete description of the benefits, conditions, limitations and exclusions, will be emailed to you upon completion of the purchase process with Alaska Airlines. Be sure to call Access America at 1-800-496-6593 if, after purchasing this insurance, you do not receive the Certificate of Insurance/Policy that contains this vital information. Terms and conditions may vary according to your state of residence. For questions regarding coverage, please contact Access America at 1-800-496-6593.
Trip Cancelation/Interruption: Coverage provides financial protection for expenses related to trip cancelation or trip interruption caused by a covered reason. Trip Cancelation coverage provides reimbursement for prepaid, nonrefundable expenses, up to the amount of coverage purchased. Trip Interruption coverage offers reimbursement for the unused, nonrefundable portion of your trip and increased transportation costs for you to return home due to a covered reason. Some covered reasons are listed below:
1. Serious and unforeseen illness, injury or death of you, a covered family member or traveling companions.
2. Natural disasters or bad weather that result in the complete cessation of services by an airline, tour operator or cruise line for at least 24 consecutive hours.
3. Employer termination if you have been with the same employer for at least three continuous years, and are terminated through no fault of your own after the effective date of this insurance.
4. Fire, flood, burglary, vandalism or natural disasters making your home uninhabitable.
5. Emergency Medical & Dental: Coverage provides benefits for emergency medical or dental expenses you incur during the coverage period. Services must be provided by a licensed provider and must take place during your trip. A $50 deductible applies to outpatient care.
6. Emergency Medical Transportation: Pays for emergency medical transportation services, authorized in advance and organized by the Access America Hotline Center, and medically required as a result of an injury or illness which occurs during the coverage period, to have you moved to the nearest appropriate facility. Once you are able, we will also pay up to $5,000 to have you returned home.
7. Travel Delay: Offers reimbursement to cover additional accommodation and travel expenses due to a delay of at least 6 hours. Covered reasons for travel delay include carrier caused delays (including bad weather) and unannounced strikes. Payments may not exceed $150 per day.
8. Baggage Delay: Covers the reasonable additional purchase of essential items if your baggage is delayed or misdirected by a common carrier for 24 hours or more. Receipts for emergency purchases are required.
9. 24-Hour Hotline Help: Help is just a phone call away with Access America trip protection. A staff of multi-lingual problem solvers is available to help you gain access to local resources and information you need to solve a medical, legal or travel-related emergency.
10. Existing Medical Conditions Exclusion: Coverage for an Existing Medical Condition is excluded. An Existing Medical Condition is an illness or injury that exhibited symptoms or was treated for any time 120 days prior to purchasing your plan.
5. What will the 24-hour hotline service do for me?
Access America offers a 24-hour hotline staffed with multilingual specialists, trained to help travelers with emergency medical, legal or travel help. And should a medical emergency arise, we will coordinate medical assistance and emergency transportation.
6. Can I cancel my trip for any reason and get all my money back?
Within 10 days of purchasing the plan, Access America will process a full refund of premium to you, as long as you have not already departed on your trip or filed a claim. No refunds shall be paid to you after 10 days of purchasing the plan.

Trip Cancelation coverage will only refund prepaid, nonrefundable payments if you have to cancel for a covered reason. Covered reasons include sudden medical emergencies, death of a family member or traveling companion, certain terrorist acts or bad weather that completely shut down your common carrier, or being called for jury duty. There are other reasons as well, see the Terms and Conditions for complete details. Please note that no benefits will be extended for cancelations due to business obligations or simply changing your mind, as these are not covered reasons.

7. Are there events or medical conditions that are not covered?
Every insurance plan contains restrictions and limitations. Existing medical conditions are one of these limitations. For more information, please refer to the terms and conditions, or contact Access America at 1-800-496-6593 to receive more detailed information.
8. Who provides the insurance for these programs?
Access America branded plans are underwritten by BCS Insurance Company or Jefferson Insurance Company depending on the insured’s state of residence.
9. Who can I call if I have questions about trip protection?
Call Access America toll free at 1-800-496-6593.
10. Why isn't my trip protection purchase displayed in my Alaska Airlines itinerary?
Trip protection is purchased directly through Access America, Alaska Airlines preferred supplier. All policy documentation will be sent directly to you from Access America.
11. Is my trip protection canceled automatically if I cancel my travel arrangements with Alaska Airlines?
No. Be sure to contact Access America directly to make any changes and/or cancelations to your trip protection. Our satisfaction guarantee allows you up to ten days from the purchase date of insurance to cancel your protection plan and receive a full refund of premium, as long as you have not already departed on your trip or filed a claim. No refunds shall be paid after the ten days. However, if you do have to cancel your trip, make sure you review your Certificate of Insurance/Policy: your trip protection may provide benefits if you have expenses due to the cancelation.
12. When is the best time to purchase trip protection in order to be covered?
Right away! You can buy trip protection up until the day before you leave on your trip, but we recommend you purchase as early as possible to have the greater peace of mind that comes with knowing you're covered. Trip protection is available during the airline ticket purchase process.

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