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The following is a brief description of the benefits of the Travel Plus Plan. Plan details and confirmation will be mailed to you once you have purchased the coverage. Note: certain terms are defined in the Evidence of Coverage that will be mailed to you with your confirmation.
|Description of Benefits||Travel Assistance Service||When You Are Covered||When you are Not Covered||When "Pre-existing" Applies||Package Plan Benefits||Get Quote|
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|Description of Benefits|
Trip Cancellation: You are covered for the amount purchased for published penalties and unused non-refundable pre-paid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:
Trip Interruption: If you are prevented from completing a trip for any of the above reasons that occur after the departure date of your protection plan and during your trip, you are covered up to the amount purchased for:
You are covered for additional transportation cost to join the covered trip or return home, including up to $150 per day for reasonable accommodations and meals, if your delay requires an unplanned overnight stay; and/or for unused non-refundable expenses for your covered trip. Delay must be 3 hours or more and certified due to the following reasons:
You are covered for the unused non-refundable pre-paid expenses if the travel supplier makes a change in your itinerary after your scheduled departure date which prevents you from participating in that event/activity.
You are covered for an accidental injury or a sickness which manifests itself during your trip. Medical treatment must be received within 30 days and expenses are covered for 52 weeks from the date of injury or onset of sickness. Benefits will include expenses for emergency dental treatments, up to $750 and advance payment to a hospital if needed to secure your admission
You are covered, if an injury or sickness first occurs during your trip up to the plan limit, for medical evacuation when your condition is acute or life threatening and adequate treatment is not available at a local hospital or medical repatriation for you to return to your home or a hospital near your home for continued treatment.
Coverage also provides transportation for the return trip home for your dependent children under age 18 who are accompanying you and are left unattended if you are confined to a hospital for more than 7 consecutive days. Transportation will be provided for a person of your choice to visit you if you are traveling alone and are confined to a hospital for more than 7 consecutive days.
Any use of this benefit must be pre-approved and arranged by the authorized Assistance Company.
Note, Pre-existing condition limitations are waived for medical evacuation/repatriation.
You are covered for lost, stolen, or damaged luggage and personal items and lost or stolen passport, visa and credit cards. You also have coverage for checked luggage which is delayed or misdirected by a common carrier for more than 24 hours from your arrival time at a destination, other than your residence, during your trip. Benefits are payable on property not specifically scheduled under other insurance.
You are covered for loss of life, limbs or sight due to an accidental injury while on your trip.
You are covered, up to the amount purchased, for accidental death, dismemberment or loss of sight as a result of an accident while a passenger on a regularly scheduled air flight, a land or water conveyance provided by the airline as a substitute for an aircraft, a common carrier while en route to or from the airport, or at the airport immediately before boarding or after disembarking from an aircraft.
When a vehicle is rented through your travel agent for your covered trip, you are covered up to 31 days for:
|Travel Assistance Service|
Travel Assistance provides a variety of travel-related services Services offered include:
*Payment reimbursement to the Assistance Company is your responsibility.
|When you Are Covered|
"Effective Date" is 12:01 a.m. following the: 1) postmark of your enrollment form or 2) the date you phone, fax or transmit your enrollment with the proper payment.
Trip Cancellation and Assistance Services - Begin on your effective date.
Trip Delay/Missed Connection - While you are en route to and from your covered trip.
Flight Accident Plan - Begins on the departure date or the date your completed enrollment form and fees are postmarked, faxed, phoned in or transmitted. Ends when the trip is completed or after 180 days, whichever comes first.
Rental Vehicle Damage Protection - Begins at the latter of the scheduled or actual pickup date and time.
All Other Coverages (including Trip Interruption) - Begins at 12:01 a.m. on your scheduled departure date or your effective date, whichever is later, and ends at the point and time of return on the scheduled return date.
|When you Are Not Covered|
Benefits are not payable for sickness, injuries or losses of you or your traveling companion: resulting from suicide, attempted suicide, or intentionally self-inflicted injury while sane or insane (in Missouri, sane only); resulting from an act of declared or undeclared war; while participating in maneuvers or training exercises of an armed service; while riding, driving or participating in races, or speed or endurance contests; while mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes or other special equipment); while participating as a member of a team in an organized sporting competition; while participating in skydiving, hang gliding, bungee cord jumping, scuba diving or deep sea diving; while piloting or learning to pilot or acting as a member of the crew of any aircraft; received as a result or consequence of being intoxicated or under the influence of any controlled substance unless administered on the advice of a legally qualified physician; to which a contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation; due to normal childbirth, normal pregnancy (except complications of pregnancy) or voluntarily induced abortion; for dental treatment (except as coverage is otherwise specifically provided herein); or due to a pre-existing condition. Benefits under any coverage will not be paid for expenses reimbursed or services provided by any other source. In California, benefits are not payable if during the 60 days prior to the insured's effective date, a legally qualified physician advised the insured or his/her traveling companion not to travel due to sickness or injury.
|When "Pre-existing" Applies|
Pre-existing medical conditions will apply if you enroll in the protection plan more than 10 days after making your initial trip deposit.
"Pre-existing Condition" means any injury, sickness or condition (including any condition from which death ensues) of you or your traveling companion, you and/or your traveling companion's family member or your business partner which within the sixty (60) day period prior to the effective date of your trip cancellation coverage under this protection plan: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) required medical treatment or treatment was recommended by a legally qualified physician.
See your Confirmation of Coverage for underwriter details.
Note: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage
|Package Plan Benefits (per person)|
|Trip Cancellation/Interruption||Trip Cost
|Trip Delay/Missed Connection||$500|
|Accident Medical Expense||$5,000|
|Sickness Medical Expense||$5,000|
|Common Carrier AD&D||$25,000|
|Travel Assistance Services||Included|
|Optional Flight Accident Plan|
|Adults and children may purchase with package plan or separately|
|$300,000 coverage||$500,000 coverage|
|Maximum flight accident coverage is $500,000 per person per covered trip|
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