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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.
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