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Travel Insurance 

 

HORA VACATION RENTALS offers a range of products to meet your travel needs. Plans may include valuable medical coverage, trip interruption, coverage for theft of baggage and personal effects, accident coverage, emergency travel and health services and more.

Travel is one of life's great joys... even the most carefully planned trip can be complicated by unforeseen events. Whether it's lost luggage, canceled flights, or a medical emergency, an unexpected mishap can turn your trip into a taxing experience. Our travel and rental protection services are designed to protect you.

Our goal is to save you money, safeguard your journey, and make your stay memorable for all of the right reasons.

Protect your travel investment in minutes.

To purchase protection click on this link https://horamgmt.rentalguardian.com/

All information below is also found on this link https://horamgmt.rentalguardian.com/available-products.html



This Travel Protection Program is for US Residents* traveling to US-based and international locations (not subject to published travel restrictions). The Play Travel Protection Program is underwritten by Nationwide Mutual Insurance Companies and Affiliated Companies, Columbus, OH.

All references to currency are in United States dollars.  

*Schedule of Benefits

BENEFITS
LIMITS PER RESERVATION
Trip Cancellation100% of Trip Cost up to $100,000
Trip Interruption100% of Trip Cost up to $100,000
Trip Delay$600 (Minimum 6 hours delay)
Baggage/Personal Effects$1,000 ($300 per article limit,
$500 combined maximum for valuables)
Baggage Delay (Outward Journey Only)$1,000 (Minimum 12 hours delay)
Accidental Death & Dismemberment$25,000
Emergency Accident and Sickness Medical Expense$25,000
Emergency Dental$500
Emergency Medical Evacuation/Repatriation of Remains$250,000
Sports Equipment Rental$1,000
Lost Skier Days$1,000
Emergency Travel Assistance with Limited ConciergeIncluded


* Up to the lesser of the Trip Cost paid or the trip Cancellation Benefit amount.
* This Program is for US Residents traveling to US-based and international locations (not subject to published travel restrictions).
* Maximum Trip Cost is $100,000.
* Maximum Length of Trip is ninety (90) days.

* The Pre-existing Condition Exclusion applies to Trip Cancellation, Trip Interruption, Trip Delay, Accident and Sickness Medical Expense: A Loss caused by or resulting from a Pre-existing Condition(s) shall be Excluded, unless: (a) the Policy is purchased within fourteen (14) days of Your initial Trip deposit; (b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and (c) You are not disabled from travel at the time You pay the premium.

This Schedule is only a partial summary of your coverage benefits and may vary by state. Your coverage benefits, including any exclusions, conditions and limitations, are described in full in the policy document, a copy of which will be emailed or mailed to you upon purchase (click "View Sample Certificate of Coverage" below to view a sample). If you do not receive a copy, or want a replacement, please call (843) 286-5144 or email your request to playtravel.nw@insurestays.com.

This Program is provided only via licensed agents or authorized referral affiliates.

Cost: 7.000% of Reservation Total 

View Sample Description of Coverage






This Travel Protection Program with Optional CFAR (Cancel For Any Reason) is for US Residents* traveling to US-based and international locations (not subject to published travel restrictions). The Play Travel Protection Program is underwritten by Nationwide Mutual Insurance Companies and Affiliated Companies, Columbus, OH.

All references to currency are in United States dollars.  

*Schedule of Benefits

BENEFITS
LIMITS PER RESERVATION
Trip Cancellation100% of Trip Cost up to $100,000
Trip Interruption100% of Trip Cost up to $100,000
Trip Delay$600 (Minimum 6 hours delay)
Baggage/Personal Effects$1,000 ($300 per article limit,
$500 combined maximum for valuables)
Baggage Delay (Outward Journey Only)$1,000 (Minimum 12 hours delay)
Accidental Death & Dismemberment$25,000
Emergency Accident and Sickness Medical Expense$25,000
Emergency Dental$500
Emergency Medical Evacuation/Repatriation of Remains$250,000
Sports Equipment Rental$1,000
strong>Lost Skier Days$1,000
**Optional CFAR
Emergency Travel Assistance with Limited Concierge
60% reimbursement
Included


* Up to the lesser of the Trip Cost paid or the trip Cancellation Benefit amount.
* This Program is for US Residents traveling to US-based and international locations (not subject to published travel restrictions).
* Maximum Trip Cost is $100,000.
* Maximum Length of Trip is ninety (90) days.

* The Pre-existing Condition Exclusion applies to Trip Cancellation, Trip Interruption, Trip Delay, Accident and Sickness Medical Expense: A Loss caused by or resulting from a Pre-existing Condition(s) shall be Excluded, unless: (a) the Policy is purchased within fourteen (14) days of Your initial Trip deposit; (b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and (c) You are not disabled from travel at the time You pay the premium.

** Optional CFAR Benefit is NOT available to residents of New York, New Hampshire, or Washington.

** This extra coverage is optional and must be shown on your Confirmation of Benefits/Coverage Verification. If You are prevented from taking the Covered Trip for any reason not otherwise covered by this Policy, We will reimburse You or Your designated representative for 60% of the prepaid, forfeited, non-refundable Payments or

Deposits paid to the Travel Supplier for the Covered Trip arrangement(s) provided the following conditions are met: (a) This coverage was purchased within fourteen (14) days of the date the initial Payment or Deposit is paid and insures the cost of any subsequent arrangement(s) added to the same Covered Trip within fourteen (14) days of the date of Payment or Deposit for any subsequent Covered Trip arrangement(s); and (b) This insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and (c) You or Your designated representative cancels the Covered Trip no less than two (2) days prior to the Scheduled Departure Date.

This Schedule is only a partial summary of your coverage benefits and may vary by state. Your coverage benefits, including any exclusions, conditions and limitations, are described in full in the policy document, a copy of which will be emailed or mailed to you upon purchase (click "View Sample Certificate of Coverage" below to view a sample). If you do not receive a copy, or want a replacement, please call (843) 286-5144 or email your request to playtravel.nw@insurestays.com.

This Program is provided only via licensed agents or authorized referral affiliates.

Cost: 9.800% of Reservation Total 

View Sample Description of Coverage

 



PROPERTY PROTECTION PROGRAM (CONTENTS). Our properties and their contents are valuable and reasonable care should be taken with them during their rental. Our company, including the participating rental property homeowners we represent (“we”, “our”, “us”), is an additionally-insured participant in a Property Protection Program that reimburses certain costs for unintentional accidental damage to our properties during their rental occupancy. With our participation in this Program, except in certain circumstances, we do not collect and hold refundable security deposits. We charge renters a non-refundable administrative fee to defer our costs for Program participation. If, during a renter’s occupancy, renter or a member of renter’s party or renter’s guest causes any damage to real or personal property of our rental property as a result of unintentional accidental acts or omissions, renter must notify our property management office at that time, and before check-out. For rentals that exceed the coverage limits of the Program, we may collect a supplementary refundable (net of any damage reimbursement) security deposit from renter upon check-in. Renter is liable to us for any damages caused by renter or a member of renter’s party or renter’s guest that are not reimbursed to us or exceed the maximum per-incident limit of our coverage, and the credit card on file and/or any collected security deposit will be charged. If renter wishes to pay a refundable (net of any damage reimbursement) security deposit, renter must notify us before check-in. Special or large event or pet deposits may be charged in certain situations. This Program is not offered or available for sale to renters.

  • $59.00 for $1,500.00 of coverage

View Sample Description of Coverage

 

PROPERTY PROTECTION PROGRAM (CONTENTS). Our properties and their contents are valuable and reasonable care should be taken with them during their rental. Our company, including the participating rental property homeowners we represent (“we”, “our”, “us”), is an additionally-insured participant in a Property Protection Program that reimburses certain costs for unintentional accidental damage to our properties during their rental occupancy. With our participation in this Program, except in certain circumstances, we do not collect and hold refundable security deposits. We charge renters a non-refundable administrative fee to defer our costs for Program participation. If, during a renter’s occupancy, renter or a member of renter’s party or renter’s guest causes any damage to real or personal property of our rental property as a result of unintentional accidental acts or omissions, renter must notify our property management office at that time, and before check-out. For rentals that exceed the coverage limits of the Program, we may collect a supplementary refundable (net of any damage reimbursement) security deposit from renter upon check-in. Renter is liable to us for any damages caused by renter or a member of renter’s party or renter’s guest that are not reimbursed to us or exceed the maximum per-incident limit of our coverage, and the credit card on file and/or any collected security deposit will be charged. If renter wishes to pay a refundable (net of any damage reimbursement) security deposit, renter must notify us before check-in. Special or large event or pet deposits may be charged in certain situations. This Program is not offered or available for sale to renters.

  • $79.00 for $3,000.00 of coverage

View Sample Description of Coverage




This Travel Protection Program is for Non-US Origin trips traveling to US-based and international locations (not subject to published travel restrictions). The Program provides trip cancellation and curtailment, emergency medical evacuation, emergency and accidental medical treatment, ATMSafe, Loss of Passport, Missed Departure, and other benefits. 

All references to currency are in United States dollars.

Schedule of Benefits (Partial) - Per Policy Period

BENEFITSLIMITS
Trip Cancellation100% of Trip Cost up to $25,000 ($100 Deductible)
Trip Curtailment100% of Trip Cost up to $25,000
Travel Delay$1,000 ($100 per day maximum)
Baggage Delay$700 ($100 per day maximum)
Medical Expense$25,000 for 100% of Usual, Customary & Reasonable Expenses 
Emergency Medical Evacuation$250,000 for 100% of Usual, Customary & Reasonable Expenses
24 Hour Accidental Death & Dismemberment$100,000



* This Program NOT available to residents of, or trips originating from, the United States: please select an alternative Program.
* Maximum Trip Cost is $25,000.   Maximum Length of Trip is Ninety (90) days.
* All Medical-related benefits are NOT applicable or available in your country of residence or trip origination.
* Restricted Countries: www.PAC7.com/Travel-Restrictions 

This Schedule is only a partial summary of your insurance benefits. Your insurance benefits, including any exclusions, conditions and limitations, are described in full in the policy issued, a copy of which will be emailed or mailed to you upon purchase (click "View Sample Description of Coverage" below to view a sample). If you do not receive a copy, or want a replacement, please call (888) 885-5550 or email your request to Support@RentalGuardian.com.

Travel Insurance benefits underwritten by GBG Insurance Limited.This Program is provided only via licensed agents or authorized referral affiliates.

Version: July 1, 2016

GHTP Claims Questions - USA/Canada, (866) 914.5333


Cost: 7.000% of Reservation Total 

View Sample Description of Coverage




Berkshire Hathaway 'Cancel For Any Reason' (CFAR) Travel Protection reimburses 100% of traveler's non-refundable trip costs for losses due to unforeseen covered reasons. In addition, it reimburses 50% of non-refundable trip costs if trip is cancelled for any reason not listed in the policy. This Travel Protection Program is for US Residents* traveling to US-based and international locations (not subject to published travel restrictions). The Berkshire Hathaway Cancel For Any Reason Travel Protection Program is underwritten by Berkshire Hathaway Specialty Insurance Company.

All references to currency are in United States dollars. 

Schedule of Benefits

BENEFITSLIMITS
Trip Cancellation100% of Trip Cost up to $100,000
Trip Cancellation for Any Reason50% of trip Cost up to $100,000* when Covered Trip cancelled no less than 48 hours prior to the Scheduled Departure Date
Trip Interruption150% of Trip Cost up to $150,000
Travel Delay$750 (Maximum $150 per day, Minimum 5 hours delay)
Missed Connection$250 (Minimum 3 hours delay)
Baggage & Personal Effects$1,000
Baggage Delay$300 (Minimum 12 hours delay)
Accidental Death & Dismemberment$10,000
Accident Sickness Medical Expense$25,000**
Emergency Medical Evacuation$500,000**






* This Program is for US Residents traveling to US-based and international locations (not subject to published travel restrictions). Restricted Countries: http://insurestays.com/travel-restrictions/
* This Program is NOT available to residents of New York, Pennsylvania, Washington, or US Territories: please select an alternative Program.
* Maximum Trip Cost is $100,000. 
* Maximum Length of Trip is ninety (90) days. 
* Extra Coverage, when the insurance plan is purchased within 15 days of Initial Trip Payment: (1) Pre-Existing Condition Exclusion Waiver, (2) Trip Cancellation / Interruption due to Financial Default, (3) $250 additional Missed Connection, (4) $50,000 Accidental

Cost: 9.800% of Reservation Total 

View Sample Description of Coverage




This Travel Protection Program is for US Residents* traveling to US-based and international locations (not subject to published travel restrictions). The Vacation Protection Plan is provided by Berkshire Hathaway Travel Protection, and is underwritten by Berkshire Hathaway Specialty Insurance Company. 

All references to currency are in United States dollars. 

Schedule of Benefits

BENEFITSLIMITS
Trip Cancellation100% of Trip Cost up to $100,000
Trip Interruption150% of Trip Cost up to $150,000
Travel Delay$750 (Maximum $150 per day, Minimum 5 hours delay)
Missed Connection$250 (Minimum 3 hours delay)
Baggage & Personal Effects$1,000
Baggage Delay$300 (Minimum 12 hours delay)
Accidental Death & Dismemberment$10,000
Accident Sickness Medical Expense$25,000**
Emergency Medical Evacuation$500,000**



* This Program is for US Residents traveling to US-based and international locations (not subject to published travel restrictions). Restricted Countries: http://insurestays.com/travel-restrictions/
* This Program is NOT available to residents of New York, Pennsylvania, Washington, or US Territories: please select an alternative Program.
* Maximum Trip Cost is $100,000. 
* Maximum Length of Trip is ninety (90) days. 
* Extra Coverage, when the insurance plan is purchased within 15 days of Initial Trip Payment: (1) Pre-Existing Condition Exclusion Waiver, (2) Trip Cancellation / Interruption due to Financial Default, (3) $250 additional Missed Connection, (4) $50,000 Accidental Death & Dismemberment (Common Carrier Air Only), and (5) Medical Expense (Primary). 
** Trip must be overnight and Destination must be at least 100 miles from the Insured’s Primary Residence.

For Claims questions: 1 (855) 487-1745 (5am-11pm CST 7 days a week)

Cost: 7.000% of Reservation Total 

View Sample Description of Coverage


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