What’s the Difference Between EA Plus Services and Travel Insurance?

1. What EA Plus Covers

EA Plus is a roadside and emergency assistance membership, similar to AAA. It’s designed mainly for help when you’re close to home or on a domestic trip.

Typical EA Plus benefits include:

• Towing and roadside assistance for your vehicle

• Trip interruption help related to car trouble

• Limited medical evacuation coordination

• Discounts on travel and rental cars

EA Plus helps you coordinate care or transportation, but it usually does not pay the actual medical or trip costs.

 

2. What Travel Insurance Covers

A travel insurance plan—like TripWise®—protects both your health and your trip investment while you’re traveling away from home or overseas.

Typical travel insurance benefits include:

• Trip Cancellation & Interruption: Reimburses prepaid, non-refundable costs if you must cancel or return home early for a covered reason.

• Emergency Medical & Evacuation: Pays for medical treatment and evacuation costs if you become seriously ill or injured while traveling.

• Baggage & Travel Delay: Covers lost, stolen, or delayed luggage and reimburses for essentials.

• 24/7 Travel Assistance: Helps arrange care, transportation, and communication during emergencies.

 

3. When to Use Each One

• Use EA Plus when you’re taking domestic road trips or want extra vehicle support close to home.

• Use a travel insurance plan when you’re flying, cruising, or traveling internationally, especially if prepaid costs or medical expenses could be high.

For many travelers, EA Plus and travel insurance can work together—EA Plus covers local assistance, while travel insurance covers larger financial and medical risks.

 

❓Frequently Asked Questions

Does EA Plus replace travel insurance?

No. EA Plus is an emergency assistance membership, not an insurance policy. It coordinates services like towing or medical transport but doesn’t pay for trip cancellations, medical bills, or lost luggage.

What does EA Plus actually cover?

EA Plus mainly covers roadside and travel assistance within the U.S., including:

• Towing and lockout services

• Help arranging emergency transportation

• Some trip-interruption coordination (not reimbursement)

It’s meant for short-distance or domestic trips, not for international travel or major trip investments.

What does travel insurance cover that EA Plus doesn’t?

Travel insurance (like TripWise®) adds financial protection and medical coverage while you’re away from home. It can reimburse you for:

• Trip cancellations or interruptions

• Medical emergencies and evacuations

• Lost, stolen, or delayed baggage

• Travel delays and missed connections

EA Plus coordinates help; travel insurance pays for it.

Can I have both EA Plus and travel insurance?

Yes. Many travelers use both. EA Plus helps with local or vehicle issues, while a travel insurance plan protects you during flights, cruises, or international trips—including medical treatment or emergency evacuation.

How do I know which one I need?

• Choose EA Plus if you drive often or take domestic road trips.

• Choose travel insurance if you’re traveling far from home, flying internationally, or prepaying for flights, tours, or cruises.

Need help deciding? Contact us anytime.

📞 Call us:  1-800-576-2674

✉️ Email us: support@insuranceconsultantsintl.com

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⚖️ Disclaimer

This article is for general informational purposes only and does not guarantee coverage or benefit eligibility. Plans vary by provider, and all benefits are subject to policy terms and exclusions.

Please note: Insurance Consultants International is not the claims department and does not determine claim outcomes. All decisions regarding coverage and reimbursement are made by the licensed claims administrator named in your plan documents.

It is the insured’s responsibility to review their full policy documents to understand what is and is not covered.