There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling. To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.
It's 10 p.m. and your family arrives at the airport for a connecting flight, only to find that your flight has been cancelled. How do you get your family home?
Your traveling companion's bag was lost with his insulin inside. He needs help to locate his bag as soon as possible and his emergency prescription filled. Who do you call?
Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
Your spouse is involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
If your sister-in-law becomes seriously ill and you choose to cancel your trip, what happens to your non-refundable deposits or pre-payments?
You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?
Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?
You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?
Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?
You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation?
IMPORTANT INFORMATION - PLEASE READ
For a complete listing of services, definitions, exclusions, and general provisions, ask the agent booking your trip for a brochure.
Protection Plus - DESCRIPTION OF COVERAGE
Schedule of Benefits
Trip Cost Trip Cancellation & Interruption
Trip Cancellation and interruption pays for forfeited, non-refundable unused payments or deposits if due to:
Unforeseen sickness, injury, or death of the Insured, a Traveling Companion or Family Member (Certain exclusions apply.)
Weather conditions causing delay or cancellation of travel.
Your home being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster.
Your being subpoenaed, required to serve on jury duty, hijacked, or quarantined.
Being involved in or delayed due to traffic accident en route to departure.
Reasons not covered:
Carrier-caused delays such as mechanical difficulties (covered under Travel Delay).
Travel arrangements cancelled by the tour operator, airline or cruise line.
Changes in plans ("I just don't want to go").
Normal pregnancy or childbirth.
Financial circumstances ("I can't afford to go.").
Business or contractual obligations ("My boss changed my vacation.").
Any government regulation or prohibition, war, civil disorder, nuclear reaction, or contamination.
$400 Travel Delay ($100 max. per day)
Reimburses up to $100 a day for additional accommodations and traveling expenses if delayed for 12 hours, and due to:
Carrier delay such as mechanical difficulties or weather.
Lost passport, money, or travel documents.
Injury or sickness of you or Traveling Companion.
$400 Baggage Delay ($100 max per day)
Reimburses for the purchase of essential items if your bags are delayed for more than 24 hours.
$10,000 Medical Expense
No daily limits or deductibles.
Pays for doctor, hospital, ambulance services, and prosthetic devices. Initial treatment must be received during trip. We will pay for covered expenses for up to one year from date of injury/sickness.
Pays for emergency dental expenses while on your trip.
$20,000 Emergency Medical Transportation
Evacuation to nearest adequate medical facility.
Up to $5000 for medical escort.
Transportation of remains upon death.
TRAVEL GUARD® Assistance
Advancement of funds to cover on-site medical expenses.
Telephone interpretation services in major languages.
Replacement of lost passport and other incidentals as may be required.
Assistance to locate local physicians, dentists, or medical facilities.
Professionals will monitor your condition and contact your personal physician.
Evacuation to a hospital, treatment facility or back home.
24-hour emergency hotline.
Exclusions apply to certain medical conditions.
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER:
If insurance is purchased with initial trip deposit, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all overages contained in the policy. You must be medically able to travel when you pay your premium. In the event that a claim is filed, the injury or illness must be substantiated to the Travel Guard Claims Department.
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