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SUMMARY OF BENEFITS PLEASE NOTE: The coverage and benefits outlined below are highlights of the program. This brochure is not a contract of insurance. When we receive payment, we will mail you a Certificate of Insurance. Please read the Certificate of Insurance carefully. Please call us if you do not receive your documents before you leave on your trip. WHEN ARE YOU COVERED The "Effective Date" of your coverage begins at 12:01 am following the postmark of your application, or 12:01 am following the date you apply by phone and pay the proper amount. Coverage ends when you cancel your trip, when you return home, or when you complete the term of your trip. Trip means all travel arrangements made by a travel agent or other authority prior to the scheduled departure of a Covered Family Member. Trip Cancellation Protection: Coverage begins on your "Effective Date". Baggage and Medical Protection: Coverage begins at 12:01 am on your scheduled departure date or on your "Effective Date", whichever is later. COVERED FAMILY MEMBERS You, your spouse, and your dependent children (and those of your spouse) under 23 years of age who are traveling with you. IMMEDIATE FAMILY MEMBERS Covered Family Members and their accompanying travel companions and their: spouses, children, stepchildren, parents, stepparents, siblings, stepsiblings, in-laws, aunts, uncles, nieces, nephews, grandparents, grandchildren, guardian, ward, or business partner all residing in the USA or Canada on the Date of the Application. CHANGE OF TRAVEL DATES If a travel authority changes your departure date, coverage will automatically apply to your new departure date. MAXIMUM TRIP LENGTH 180 days. MAXIMUM TRIP COVERAGE The maximum combined limit of insurance we will provide for any one trip is $30,000. This includes coverage for you, your covered family members and any traveling companions. If you require coverage exceeding $30,000 in total, please call (800) 243-3174. Note: The maximum coverage per person is $15,000 in this program. Medical Coverage Medical & Dental We will pay medical and dental expenses, up to the amount of coverage you select, if you or a covered family member sustains an injury or becomes ill while on your trip. This coverage is primary to all other medical or health insurance available to you. Repatriation If you should die before returning home, we will pay the extra expense incurred for homeward carriage of your remains. The most we will pay is the normal charge by an air common carrier over the most direct and economical route. The limit for this benefit equals the medical limit you select. Accidental Death & Dismemberment If accidental death, dismemberment or loss of sight occurs within 180 days of the accident, we will pay up to the amount of coverage you select. Baggage Coverage Baggage Loss or Damage If your baggage is lost, stolen or damaged while on your trip, we will pay the actual cash value, up to the limit you select. This benefit is primary to all other coverage you may have. Baggage Delay We will pay up to $100 for emergency purchase of essential items if your baggage is misrouted or lost for more than 24 hours after you arrive at a destination, other than your residence. Document Protection We will pay for administrative costs to replace your lost or stolen passports or transportation tickets. Trip Cancellation Coverage Pre-Departure Cancellation or Adjustment If you cancel your trip due to a covered reason, we will pay you the non-refundable portion of your arrangements. If instead you are forced to temporarily postpone your initial departure date and have set a new departure date, we will pay you the additional cost for adjusting the original airfare up to the economy fare over the most direct route. We will also pay for your unused non-refundable land or sea arrangements. Travel Delay If your trip is delayed for more than 12 hours for a covered reason, we will pay you up to $50 per day, for each Covered Family Member for up to 5 days for the additional living expenses you incur until travel becomes possible. We will pay for one delay, for all Covered Family Members. Covered reasons for delay are injury, sickness, riot, unpublished and unannounced strike, civil commotion, hijack, quarantine, or natural disaster. Trip Interruption If your trip is interrupted for a covered reason, we will pay you for using economy transportation to catch up to your original tour. Trip Curtailment and Return If, for a covered reason, you're unable to complete your trip, we will pay you the unused portion of your pre-paid arrangements, plus the cost of an economy class air ticket to return home. We will pay you up to 150% of your coverage limit, if you insured the total non-refundable value of your trip. Occupancy Adjustment If your travel arrangements are based on multiple occupancy and at least one travel companion cancels for a covered reason, we will pay for the extra charge to adjust your occupancy rate to the next occupancy rate. Emergency Evacuation If you become sick or injured on your trip, Travel Insured will:
The Emergency Evacuation limit is ten (10) times your coverage limit up to a maximum of $25,000. Covered Reasons Death, injury or sickness of you, a travel companion, or an immediate family member (as defined). Unforeseen default of a tour operator, cruise line or airline resulting in the complete cessation of services. If you, a covered family member or travel companion is quarantined, hijacked, called to jury duty, subpoenaed, or has their home made uninhabitable. An unforeseen emergency occurs while you are en route to your departure point and delays you from arriving there by at least one hour. What Is Not Covered Trip Cancellation and Medical/Dental does not cover: Piloting or acting as a crew member on any flight; riding as a passenger on any airplane not certified as airworthy; suicide or any attempt thereof (while sane in Missouri); alcohol or substance abuse; war or any act thereof; pregnancy, except complications of pregnancy; professional athletic activities; default by the Travel Agent or Broker or organization that sold you the trip; personal, business, or financial reasons; carrier-caused delays (except NY); prohibition or regulation by any government or loss caused by customs detention; medical treatment given by any person who is related to a covered family member; a default which occurs within 14 days following the date of application, unless you have started using the pre-paid arrangements, and default of a tour operator, cruise line or airline that at the time you purchase your coverage is operating under the protection of Bankruptcy Laws. Baggage does not cover: Animals, automobiles, automobile equipment; motorcycles, boats, motors, or other conveyances or their equipment; bicycles except while checked as baggage with a common carrier; household furniture or furnishings; contact lenses, artificial teeth or limbs; money, securities, tickets or documents (except as provided under document protection); professional or business property; property shipped as freight; wear and tear; deterioration, insects, vermin, defective workmanship; damage while being worked upon, war risks; nuclear contamination; seizure by any government; illegal transportation or trade; and loss otherwise specifically insured. Conditions: You must immediately notify the proper authorities - such as airlines, police, or hotel management - in writing of any loss or damage. The loss of jewelry, watches, furs, precious gems, cameras or camera equipment is limited to either your coverage limit or $1,000, whichever is less. Pre-Existing Conditions Exclusion There is no coverage for any loss due to injury or sickness of an immediate family member if, during the 60 days preceding and including the coverage effective date, there was medical care, advice, consultation or treatment received for the condition, or if symptoms of the condition were present that would cause a person to seek medical care or treatment, or if there was any adjustment of medication for the condition. Taking a prescribed medication for a condition that is controlled throughout the 60-day period is not considered to be treatment. Pre-Existing Conditions Exclusion Waiver We will waive this exclusion if: 1) You purchase the Trip, Tour & Cruise Protection within fourteen (14) days of making your initial trip deposit; and 2) You insure to the total non-refundable value of your trip. The cost of any subsequent arrangements added to your trip must be insured within 14 days of payment for those arrangements. Coverage is provided through policy forms T-708, T-710, T-712, T-1614, T-1619, and T-1620 and is underwritten by Gulf Insurance Company, a subsidiary of Travelers Property Casualty Corporation and member of Citigroup. This policy may provide a duplication of coverage already provided by your personal homeowners policy, personal liability policy, medical insurance or other source of coverage. |