Travel insurance helps protect against cancellations, medical emergencies, baggage loss and rental car damage. Access America has historically offered a range of plans (classic, business/limited, annual and rental-car protection), but corporate affiliations, underwriting and policy limits may have changed since earlier descriptions. Always check the current policy schedule, underwriting company and official rating before purchasing.

Why travel insurance still matters

Travel delays, medical emergencies, lost baggage and rental car damage can all turn a trip into a costly disruption. Travel insurance shifts that risk from you to the insurer so you can travel with more financial predictability.

Access America is a brand many consumers encounter when shopping for trip protection. Historically it has offered a range of plans aimed at leisure and business travelers, including single-trip and annual options and stand-alone coverages such as rental car protection.

Typical plan types (what to expect)

Most carriers - including Access America historically - split offerings into several practical categories:
  • Classic or standard trip-protection plans: cover trip cancellation, interruption and some baggage loss.
  • Business/frequent-traveler or limited plans: streamlined benefits for short, repeated trips.
  • Annual or multi-trip plans: cover multiple trips over a 12-month period (often with per-trip limits).
  • Add-on covers such as rental car damage protection or higher medical evacuation limits.
Exact names and benefit limits vary by product and edition, so read the policy schedule for the specific plan you are buying. 1

Common coverages and exclusions

Policies commonly include trip cancellation/interruption, emergency medical and evacuation, baggage loss/delay and accidental death benefits. Exclusions often include pre-existing conditions (unless a waiver applies), routine activities excluded by policy, and losses from known events (e.g., a trip booked after a travel warning). Always check exclusions and claim filing deadlines.

Underwriting, ratings and corporate details to verify

Travel brands are often supported by distinct underwriters and claims administrators. Historical references link Access America to World Access Service Corp. and to larger assistance groups, and to underwriters such as BCS Insurance Company with ratings from agencies like A.M. Best. These corporate affiliations, underwriters and ratings can change over time; confirm current underwriting and rating information in the policy documents before purchasing. 2

How to choose and buy

  1. Compare covered reasons for cancellation and the per-trip and annual limits.
  1. Check medical and evacuation limits if you'll be traveling to remote locations.
  1. Confirm whether rental car damage coverage is primary or secondary to a credit-card policy.
  1. Read how pre-existing conditions are treated and whether a waiver is available.
  1. Buy before nonrefundable payments are due to capture cancellation protection.

Final tip

Brands and plan names evolve. Use the issuer's current policy documents and customer-service lines to confirm benefits, underwriting, exclusions and claim procedures before you buy. 3
  1. Confirm whether Access America is an active brand and current ownership/parent company.
  2. Verify current headquarters and office locations for Access America/World Access Service Corp.
  3. Confirm current underwriter for Access America policies (e.g., BCS Insurance Company) and its A.M. Best rating.
  4. Verify that the plan names (Classic, Classic Limited, Rental Car Protector, Annual Product Deluxe) are still offered and confirm current benefit limits.
  5. Check whether Access America still lists the historical partner counts or employee numbers and update if available.

FAQs about Access America Travel Insurance

Does Access America provide rental car damage coverage?
Historically Access America offered a Rental Car Protector product. Coverage availability, whether it is primary or secondary, and collision limits vary by policy edition - confirm details in the current policy documents.
Are pre-existing medical conditions covered?
Most travel insurers exclude pre-existing conditions unless you qualify for and purchase a waiver. Check the specific plan's pre-existing condition clause and waiver requirements before buying.
How do I confirm who underwrites a policy?
Look at the policy declarations page or the insurer's website. The declarations page names the underwriting company and shows any ratings. Underwriters and ratings can change, so verify them at the time of purchase.
Is an annual plan worth it?
An annual (multi-trip) plan can be cost-effective if you take multiple short trips in a year, but pay attention to per-trip limits and overall benefit caps.
What should I check before buying?
Confirm cancellation reasons covered, medical and evacuation limits, baggage limits, rental car coverage terms, pre-existing condition treatment, underwriting company and the claims process.