Travel Insurance vs Points Protection vs. Trading Power Protection

RCI Trading Power Protection/Points Protection allows you to get all of your Deposit Trading Power or Points used for your Exchange returned to your account if you need to cancel for ANY reason, no questions ask. The RCI exchange fee is not refunded.
Trading Power Protection/Points Protection is not insurance.

Travel insurance provides coverage for unforeseen events that can affect your travel plans. It protects from financial losses due to life’s unexpected curveballs. This includes, but is not limited to: Trip Cancellations, Medical Emergencies, Evacuation Coverage, Trip Delays, and Lost/Delayed Baggage.

Coverage typically begins the date after purchase for trip cancellation coverage, and all other coverages start once you have departed on your trip.

Coverage typically ends when the policyholder lands at their return destination.