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How does TEN differ from other travel insurance or assistance programs?

TEN provides its Member Services through an unrivaled global support system -- the largest, oldest, and most experienced travel assistance network in the world. This network is accessible 24 hours a day, 365 days a year.

Some plans offered by other companies are sold for hundreds of dollars and often feature a more limited range of critical services. Most programs require the purchase of separate coveage for each trip and involve complicated, restrictive fee schedules with confusing options. The participants must select the services for which they want to purchase coverage from a list, and determine the exact number of days that they will be traveling in advance to compute their coverage costs. Often travel insurance products are designed to protect cost of the trip. TEN was organized to protect the traveler.

TEN offers flexible, annual travel assistance plans for individuals or families. A single membership payment of US $129.00 provides a full year of travel security, without heavy restrictions on the length of, or changes in, one's itinerary. (Members traveling for more than 120 consecutive days on an individual trip must contact TEN for additional arrangements prior to departure.)

Other programs will only arrange for evacuation and assistance -- the participants are obligated to pay for the services -- or pay for a portion of the expenses, usually US $5,000 - $25,000. Other programs require inpatient hospitalization of up to 14 days, before they will allow a transport. TEN transport decisions are based upon medical need. Unfortunately, this is not adequate in many parts of the world. Air evacuations from the Caribbean typically cost US $12,000 - $15,000, and in the Pacific, Asia and Africa, US $30,000 - $40,000 is not uncommon. TEN Membership provides global coordination of such operations by the most experienced professionals in the world and will pay up to US $100,000 for expenses.