EF Ultimate Break travelers are offered insurance through a plan provided by Academic HealthPlans and underwritten by United States Fire Insurance Company. The primary benefits of the policy prior to tour are a refund of your trip price less non-refundable fees if a traveler needs to cancel due to reasons that can include but are not limited to serious injury or illness requiring hospitalization and involuntary employer termination or layoff. On tour the policy provides coverage for incidents such as lost baggage and flight delays as well as coverage of hospital bills, doctors’ fees and medical transportation for illnesses or injury. Based on the circumstances, travelers who are diagnosed with COVID prior to tour may qualify for cancellation coverage. For a full explanation of benefits provided under this policy or to submit a claim [click here](https://riskstrategiestravel.com/tour-programs/ultimate-break/). We recommend you reach out to Academic HealthPlans directly if you have additional questions regarding your specific circumstances.