FAQ ON TRAVEL GUARD GOLD TRIP CANCELLATION OVERSEAS PLAN

TRAVEL GUARD GOLD TRIP CANCELLATION - FREQUENTLY ASKED QUESTIONS

Q. What does this plan cover due to Trip cancellation?
A. The insurer will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your Trip for an unforeseen Sickness, accidental injury or death of you, your Traveling Companion, Family Member or Business Partner, Strike, Financial Default of the Travel Supplier, your Primary Residence or Destination being made Uninhabitable by vandalism, burglary, or Natural Disaster, your being subpoenaed, required to serve on a jury, hijacked or quarantined, military duty, involuntary termination or layoff of employment, a Terrorist Incident, and covered business reasons. Optional Cancel for Any Reason coverage can be purchased. For a complete list of covered reasons for Trip cancellation, please refer to the Description of Coverage (DOC).

Travel Guard Gold Trip Protection FAQ

Q. Will I be covered if I cancel my Trip for any reason?
A. Yes, you can be reimbursed up to 50% of Trip cost if you purchase the optional Cancel For Any Reason coverage all at the time you purchase your base plan and within 15 days of your Initial Trip Payment. See the Description of Coverage (DOC) for complete details.

Q. What happens if a family member not traveling becomes ill or passes away? Is this covered?
A. An illness or death of a Family Member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions apply). The definition of Family Member is included in the Description of Coverage (DOC).

Q. What is the Pre-Existing condition waiver and how can I qualify?
A. The Pre-existing medical condition exclusion will be waived if: 1. You purchase the plan within 15 days of making your Initial Trip Payment; 2. The amount of Trip Cancellation coverage purchased must equal the full cost of all prepaid non-refundable Trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver; 3. All Insured's must be medically able to travel when you pay your plan cost. 4. Applies to the first $30,000 of Trip cost per person.

Q. If I do not enroll within the 15 days, how far do you look back for Pre-Existing medical conditions?
A. 180 days preceding and including the coverage effective date.

Q. Can I cancel my Trip for work-related reasons?
A. Yes, cancellation due to work reasons is included in the base plan. You are covered in the event you must cancel due to specific work-related reasons. For a complete list of covered work-related reasons, please refer to the Description of Coverage (DOC).

Q. Does this plan include medical evacuation back home?
A. If you purchase the optional Medical Coverage Upgrade with the base plan, you upgrade your Emergency Evacuation coverage to include transportation to the adequate licensed medical facility of your choice or home for covered evacuations.

Q. Does everyone going on the Trip need to purchase the insurance to be covered?
A. Yes. The cost is based on a per person Trip cost, therefore each individual is covered separately. However, with the Gold plan, children age 17 and under are covered at no additional cost for each insured adult, but you must list them as a traveler and the child must be related to the primary insured. Only those listed as travelers on the enrollment form will be covered.

Q. How large of a Trip can I cover?
A. With the Gold plan, you can insure Trip costs up to $100,000.

Q. How long do my bags need to be delayed before I will be covered for baggage delay?
A. 12 hours or more.

Q. Is there reimbursement for the single supplement if my Traveling Companion cancels?
A. If a Traveling Companion cancels and you are held responsible for a single supplement, you would be covered for the change in the per person occupancy rate as long as the reason for the cancellation was covered under the terms of the plan.

Q. I am 55 and my husband is 60, can we enroll for coverage under the same plan?
A. Yes.

Q. When does the coverage begin?
A. After any required Enrollment Form is completed, Trip Cancellation and Cancel For Any Reason coverage will be effective for an Insured at 12:01 a.m. Standard Time on the date following receipt by the Company or the Company's authorized representative of any required plan cost. All other coverages will begin on the later of:
  1. 12:01 a.m. Standard Time on the scheduled Departure Date shown on the travel documents or
  2. the date and time the Insured starts his/her Trip, provided any required plan cost has been paid.

Q. How do I file a claim?
A. To file a claim, you can call Travel Guard between the hours of 7:00 am and 7:00 pm Central Time and start the process with a Claims Analyst. The analyst will explain what needs to be provided to process your claim. The form will then be faxed or mailed to you to provide that information.

Q. What if I want a refund?
A. Travel Guard is committed to providing products and services that will exceed expectations. If You are not completely satisfied, You can receive a refund provided 1) it is not past the original departure date; 2) you have not submitted a claim; and 3) requests must be submitted to Travel Guard in writing within 15 days of the effective date of your coverage. If past 15 days, premium and service fees are non-refundable.

Insurance Policy Information: INTERNATIONAL HEALTH INSURANCE