VIP Elite is not the plan for people with more money. It is the plan for the household that has become an operations department — three generations, several calendars, somebody’s parents, somebody’s grandchildren, and one person quietly carrying all of it. And it is just as much the plan for the person traveling alone, in a town they do not know, at the hour when there is nobody in the next room to hand the phone to. The care at the middle of this plan does not ask how many people are in your household.
← Back to the main pagePlan one teaches you to drive. Plan two covers the rest of the year. Plan three does two jobs at once. On the ownership side it is for the household where the trip is no longer a trip — it is a logistics problem with grandchildren in it, and one person who has silently been the project manager for a decade without ever being thanked for it. On the other side it carries a care suite that has nothing to do with timeshare at all, and that one is for everybody: the couple, the family of six, and the person who travels by themselves and would like somebody reachable at three in the morning.
It happens quietly. One year you are booking a week. A few years later you are co-ordinating four adults, two schools, one set of ageing parents, somebody’s new baby, a dog, two cars leaving from different states and a room block that has to be held before anybody has committed to anything. Nobody sold you that job. You inherited it.
What the top plan buys is not luxury. It is the difference between doing that job alone and doing it with a desk behind you — and, when you want a person rather than a page, a coach who has watched a thousand families try to solve exactly this, with Elite at the front of that queue.
And if that is not your life at all — if you travel light, on your own, and answer to nobody — the desk is still there. It just gets used for different things: the doctor at two in the morning in a town you do not know, the therapist you can reach this week instead of in October, the bill that arrived with a number on it that nobody will explain. Nobody travels so lightly that they never need any of that.
You can absolutely build the extension yourself. Plenty of capable people do. What a general contractor sells is not skill you lack — it is the ten thousand small decisions you no longer have to make, the trades who answer the phone because it is his number and not yours, and the evenings you get back.
Every household running trips for three generations already has a general contractor. She is just not being paid, and nobody has offered to help her.
An audience never sees the stage manager and could not name one. But every performance they have ever enjoyed had somebody in the wings holding a clipboard, knowing where everybody is meant to be, and quietly fixing the thing that went wrong before anybody in the seats noticed it had.
Family holidays have exactly the same person, and exactly the same clipboard. The only question is whether she has anybody backstage with her.
Nobody thinks a yearly check-up is the same thing as a hospital. It is an hour with somebody who does this all day, looking at the whole picture rather than the symptom that brought you in — and catching, on a quiet Tuesday, the thing that would otherwise have found you on a bad one.
An ownership deserves the same kind of look. Almost none of them ever get it.
This is the top of our ladder, which makes it the easiest page on this site to write dishonestly. So the second column below is not a sales hedge dressed up as candor — it is the four things this plan genuinely is not, stated before you pay rather than discovered afterwards.
Most people already have something. Then something happens on a Tuesday night, and they work out what walking into urgent care will cost them out of their own pocket before anything else moves — so they wait. They wait through the weekend. They wait until it is worse, and then they go to the most expensive door in the building. That gap — between having care and being able to use it without doing arithmetic first — is where this part of the plan stands.
A licensed doctor on the phone or on video at any hour, with the visit included and no additional charge. A licensed therapist reachable now rather than after a months-long wait. An online panel of board-certified specialists you can write to, photograph in hand, with an answer back the same day. Somebody whose entire job is negotiating a medical bill down on your behalf. None of that asks how big your family is, and none of it asks whether you own a timeshare.
So we are not going to talk anybody out of this plan. If you are on your own, a thousand miles from home, and something goes wrong at two in the morning, you do not need this less than the family of six does — you need it more, because there is nobody in the next room to hand the phone to. And when the trouble is somewhere far enough away that getting home is the medical problem, the evacuation cover in here is the difference between a phone call and a catastrophe. Twenty-four hours a day, three hundred and sixty-five days a year.
Photographs of the running product. Everything plan three adds on top of it is listed in the panel below, rendered from the plan itself — we describe it once, in one place, so there is no second version to drift.
Say so, and buy the smaller one. Nothing on this site is running out at midnight and nobody here works on a countdown.
One yearly membership with a one-time enrollment. Longer terms cost less per day and lock your rate against the increases that are coming anyway. One year is a perfectly good answer, and it is the one that leads.
The small circled i beside a benefit opens what is actually behind it — the categories, the terms, and the part somebody would rather you did not read until after you joined. Nothing in those bubbles is written here; every word of it comes from the same place the list does.
Or start with the free Owner’s Kit and decide about the rest later. Nobody here is going to hurry you.
One-time enrollment, charged once, and waived entirely on the 3-year term. On TSB VIP and TSB Elite, the two and three-year terms include one 30-minute call with a TSB coach, booked through your member portal inside the first 90 days, one per term, and they put your email or ticket ahead of the standard queue. On every plan, support is Scout, with our team behind him by email or ticket for billing, membership and anything he has not been taught yet — and what they answer is added to him. There is no phone queue to sit in, no auto-renew and no countdown clock. Your term ends, we ask you again, you decide.