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Questions and Answers

Travel insurance is designed to cover both you and the cost of your travel arrangements against a variety of unforeseeable reasons that may affect you or your travel plans.

Emergencies happen when you least expect it. Travel insurance provides coverage for Trip Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Travel Delay and much more. Plus, we offer our exclusive One Call 24-hour Traveler Assistance Service to help you with emergency situations that arise during your trip.

Many travel products are non-refundable, and the best airline and cruise deals usually come with few options if you can't actually take your trip. Last week the airline joyfully booked your flight. This week it declared bankruptcy. Last month you reserved space on a Caribbean cruise. A few weeks later a family member became critically ill.

Important Tip! Many people only consider their own health when deciding about travel insurance. It is not uncommon for younger people to assume that because they are healthy, travel insurance is not needed. But what about parents, grandparents, children, grandchildren, aunts and uncles? Remember travel insurance covers you if something happens to you or to any of these people, causing you to cancel your trip.

Emergencies happen when you least expect it. Travel protection provides coverage for Trip Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Travel Delay and much more. Plus, we offer our exclusive One Call 24-hour Traveler Assistance Service to help you with emergency situations that arise during your trip.

Many travel products are non-refundable, and the best airline and cruise deals usually come with few options if you can’t actually take your trip. Last week the airline joyfully booked your flight. This week it declared bankruptcy. Last month you reserved space on a Caribbean cruise. A few weeks later a family member became critically ill.

Important Tip! Many people only consider their own health when deciding about travel protection. It is not uncommon for younger people to assume that because they are healthy, travel protection is not needed. But what about parents, grandparents, children, grandchildren, aunts and uncles? Remember travel protection covers you if something happens to you or to any of these people, causing you to cancel your trip.

Coverage begins when you depart on your first scheduled travel arrangement.

You should provide your current age at time of purchase.

In simple terms, a pre-existing medical condition is a sickness, injury or other medical condition for which a person receives diagnosis, treatment or advice during the 60 day period prior to your coverage effective date. Conditions controlled solely through medication, without a change in dosage, are not considered to be Pre-Existing Conditions.

If throughout the 60 day pre-existing period, your condition is stable (i.e. no other treatments, tests, or diagnostic exams), and your medication remains unchanged, this would not be considered a pre-existing medical condition.

Yes, you may extend your travel protection plan term while traveling on your covered trip as long as: 1) you have not experienced an injury or sickness or undergone medical treatment during your trip, 2) coverage under this travel protection plan is in force at the time you request an extension, and 3) you pay any additional required premium for such extension, if applicable.

With most plans, you will be reimbursed (up to the plan limit) for the additional transportation costs to join your trip and any unused portion of prepaid land or water travel arrangements, if you miss your tour or cruise departure because your arrival at your trip destination is delayed 3 hours or more due to: 1) any delay of a common carrier; 2) a documented weather condition prevented you from getting to the point of departure; or 3) quarantine, hijacking, strike, natural disaster, terrorism or riot.

Under the Travel Delay Benefit, you will be reimbursed (up to the plan limit), for additional reasonable meal, accommodation and local transportation expenses if you are delayed beyond a minimum required time for a covered reason such as delay of a common carrier

Coverage is available (to the plan limit) for baggage and personal effects, passports and visas that are lost, stolen, or damaged during your covered trip. You must submit documentation from the common carrier for your loss, including all receipts for the necessary purchases made and documentation for reimbursements received and take all reasonable steps to protect, save or recover your baggage and personal effects.

Our plans also provide a Baggage Delay Benefit, if while on your trip, your checked baggage is delayed by an airline (generally for 12 hours or more) to reimburse you for the purchase of necessary personal effects while on your trip

You can cancel and return your policy within the 10-day free look period and receive a complete refund. Generally, the Enrollment Processing Fee is not refundable.

Yes, you should always take your plan documents with you, and you should read your documents as soon as you receive them to make sure the information is accurate.

The Plan Documents explain the plan benefits, limitations, conditions and exclusions. The Purchase Confirmation contains the maximum benefit limits for the plan purchased.

Please call us with all of the details and we will be happy to assist you. You may call (800) 423-3632. We may request documentation regarding your changes

You may contact our One Call Travel Assistance Network. Assistance coordinators are available 24/7 to help you in emergency situations. The One Call contact information is included in the Plan Documents and on your Purchase Confirmation.

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