Get answers to common trip insurance questions. Still have a question after reading these? Give us a call at (800) 581-7677 and one of our customer representatives will be happy to answer your questions.
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Who may purchase the TripAdvantage Travel Protection Plan? |
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TripAdvantage is available to citizens or residents of the United States
or Canada. Eligibility for purchase will be confirmed on all claims. If
it is determined that a person is not a citizen or resident of the United
States or Canada, his or her claim will be denied and premium will be
refunded.
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What is a waiver of Pre-Existing Conditions? |
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Medical conditions for which there is treatment; or a recommendation for
treatment,diagnostic test or exam; or for which drugs or medicine are
prescribed during the 60 day period prior to your effective date are
Pre-Existing Conditions. TripAdvantage excludes your Pre-Existing
Conditions and those of a Traveling Companion, Business Partner, or
an Immediate Family Member traveling with you.
Exception: Medical conditions that are treated or
controlled solely with medication and remain treated or controlled
without an adjustment or a change in medication during the 60 day
period prior to your effective date are not considered to be Pre-Existing
Conditions.
IMPORTANT! The policy exclusion for Pre-Existing Conditions will be waived if:
- Your enrollment form and your premium payment is received (or, if mailed, is postmarked) within 15 days of the date your initial Trip deposit is received;
- You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 15 days of the payment of those arrangements, the cost of any subsequent arrangements (or any other arrangements not made through your travel agent) added to your trip*; and
- You are not disabled from travel at the time you pay your premium.
* If you insure an amount less than your Total Trip Cost, the exclusion
for Pre-Existing Conditions will not be waived and the Pre-Departure
Trip Cancellation and Post-Departure Trip Interruption benefits will
be limited to the amount of coverage you purchased.
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There was a terrorist attack in a city I was traveling through, can I cancel my trip? |
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TripAdvantage allows you to cancel or interrupt your Trip due to a Terrorist
Act, subject to the following conditions:
The Terrorist Act must occur in your departure city or in a city which is a scheduled
destination (including scheduled connecting cities) for your Trip, provided:
- The Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Trip; and
- Your premium is received within 15 days of the initial payment / deposit for your Trip.
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If my flight is canceled due to a mechanical problem, what happens? If there is a hurricane and my flight is canceled, am I covered? |
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TripAdvantage protects you in several ways. If your flight is canceled due
to bad weather, mechanical breakdown of the aircraft on which you are
scheduled to travel, or an organized labor strike (provided the strike
occurs after you pay your premium) you can:
- Take a later flight, and you will be reimbursed for the additional transportation expenses, less any refunds paid or payable for your original tickets, to join your trip (not to exceed the cost of one-way economy airfare, or first class if your original tickets were first class); and
- Be reimbursed for the cost of any unused land or water travel arrangements.
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How do I calculate how much insurance to purchase? |
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You must determine your premium amount based upon the total per person cost of your Trip,
including airfare. You do not need to include the cost of any travel arrangements
that are not subject to cancellation charges or restrictions. If you insure an
amount less than your full Trip cost, the exclusion for Pre-Existing Conditions will not
be waived and the Trip Cancellation / Interruption Benefit will be limited to the amount
of coverage you purchased.
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If I am going to the Caribbean, but my luggage goes to New York, what do I do? |
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TripAdvantage covers all baggage delays of 12 hours or more during your
Trip. You will be reimbursed for personal articles you buy (such as
toiletries, a change of clothing, etc.) up to $250 per day to a maximum
of $500. Be sure to keep receipts for anything you purchase. We will also
track your delayed or lost baggage for up to one full year, if requested.
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What happens if I am injured or become ill while traveling? |
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TripAdvantage covers medical expenses resulting from an illness or injury
during your Trip up to $100,000 for covered medical expenses incurred for
up to one year after your injury or illness.
If you must be medically evacuated to another facility or home, these costs
are recovered up to $1,000,000 for Emergency Evacuation and Repatriation,
as well.
TripAdvantage also includes a 24-hour worldwide assistance service to help
you with medical or legal emergencies during your Trip.
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What if my tour operator, airline or cruise line ceases operations or becomes financially insolvent and doesn't provide my travel arrangements? |
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TripAdvantage covers Trip Cancellation or Trip Interruption due to Financial
Insolvency (as defined in the policy) of an airline, cruise line or tour
operator provided:
- The Financial Insolvency is not of the person, organization or firm from whom you directly purchased or paid for your Trip;
- The Financial Insolvency occurs, or a petition for bankruptcy is filed, more than 15 days following your effective date for the Trip Cancellation Benefits; and
- Your premium is received within 15 days of the initial deposit / payment for your Trip.
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Can I insure my frequent flyer miles? |
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With TripAdvantage, if you cancel your Trip for a covered reason, we will reimburse you, up to the amount in the Schedule for the amount of prepaid, forfeited, non-refundable Payments or Deposits that you paid for your Trip, including up to $150.00 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join your Trip.
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Why do I need to purchase travel protection within 15 days of my trip deposit? |
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When your premium is received by TripAdvantage within 15 days of the initial
payment or deposit for your trip, coverage is enhanced in the following ways:
- The exclusion for Pre-Existing Conditions is waived provided; 1) you insure all
prepaid Trip costs that are subject to cancellation penalties or restrictions and also
insure within 15 days of the payment of those arrangements, the cost of any subsequent
arrangements (or any other arrangements not made through your travel agent) added to
your trip; and 2) you are not disabled from travel at the time you pay your premium;
- Coverage for Financial Insolvency (as defined in the policy) is included;
- Coverage for a Terrorist Act (as defined in the policy) is included.
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I am traveling with friends but we are not sharing rooms, will we be covered? |
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A Traveling Companion, as defined includes up to 6 persons whose names appear with yours on
the same trip arrangement and who, during the Trip, will accompany you. If your Traveling
Companion, as defined, cancels his or her Trip for a covered reason, you are protected in
two ways:
- If you decide to take your Trip, the plan will cover any occupancy upgrade charges which you might incur; or
- If you decide not to take your Trip, your cancellation penalties will be covered by the plan.
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Why would I want to give my medical information to the Traveler PDQ Service? |
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Registering with Traveler PDQ allows you to access your medical records online. With
Traveler PDQ, information such as medicine allergies, current medications and conditions,
and physician and insurance information is available in emergency situations wherever internet
or telephone service is available.
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Can I cancel my trip for any reason and still be covered? |
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If you purchase the A+ option you may cancel your Trip for any reason not otherwise covered by the policy and be reimbursed for 75% of the prepaid, forfeited, non-refundable Payments or Deposits you paid for your Trip provided:
- Your enrollment form and your premium payment is received (or, if mailed, is postmarked)
within 15 days of the date your initial Trip deposit is received;
- You insure all prepaid Trip costs that are subject to cancellation penalties or
restrictions and also insure within 15 days of the payment of those arrangements the cost
of any subsequent arrangements (or any other arrangements not made through your travel
agent) added to your trip; and
- You cancel your Trip 2 days or more before your Scheduled Trip Departure Date.
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