When EverTravel became available as a new TMA member travel insurance benefit, Dr. Collins was quick to enroll.* Having one policy in place felt like a practical decision, eliminating the hassle of researching and purchasing coverage for each trip individually.
Offered through TMA Insurance Trust and issued by Zurich American Insurance Company, EverTravel provides year-round travel insurance at preferred TMA member pricing. With one affordable monthly premium, coverage applies to both personal and professional travel, whether within the U.S. or abroad.
Over the course of the year, Dr. Collins’s decision to enroll would be put to the test through three very different travel experiences.
The First Trip
The first trip was a short business trip that unfolded exactly as planned. Flights were booked, meetings stayed on schedule, and with insurance protection already in place, there was nothing additional to arrange before leaving.
The Second Trip
Later in the year, with kids in tow, Dr. Collins traveled to see her family. Coordinating flights, school schedules, and time away from work took planning, and traveling with multiple bags and tight connections added to the complexity.
One less thing to think about was travel coverage. EverTravel includes up to five companions on the same trip at no additional cost, eliminating the need for separate policies.
The Trip That Had Other Plans
The third trip was the one Dr. Collins and her husband had been looking forward to all year — an anniversary trip to Paris. Flights were secured early, and dinner reservations were made at carefully selected restaurants. It was a chance to celebrate and spend time together while taking in the city from a hotel room overlooking the Eiffel Tower.
But as travel sometimes reminds us, even the best-planned trips can change quickly.
A medical issue partway through the stay meant finding care in an unfamiliar place and navigating a language barrier. Rather than facing those decisions alone, support was available to help clarify options and next steps. As plans changed and the trip ended early, there was reassurance in knowing those unexpected costs were covered as hotel nights were canceled, flights were rebooked, and a bag was lost during the return trip. It helped ease an already stressful few days.
Through these challenges the value of EverTravel became clear, including:
- Trip disruptions and delays, including reimbursement for cancellations and interruptions, coverage for lost or delayed baggage, and support for legal and embassy-related issues
- Medical and dental care while traveling, with emergency treatment, evacuation, and help locating providers overseas
- Safety and security support, including assistance during events such as natural disasters, political unrest, or other travel emergencies
- 24/7 travel assistance, with multilingual support through Zurich Travel Assist™ for medical, legal, or travel-related needs
While the trip itself was cut short, Dr. Collins and her husband agreed Paris was still worth another visit, preferably one with fewer surprises.
A Year of Travel: Backed by One Policy
For the moments you plan — and the ones you don’t — EverTravel helps protect the investment you make in your travel experience.
To learn more about your new TMA member travel insurance benefit, available at exclusive member pricing, visit the Zurich website or speak with an EverTravel representative at 844-843-9412, Monday through Friday, from 8:00 AM to 7:00 PM CST.
