Q. What is the Pre-Existing condition waiver and how can I qualify?
A. If insurance was purchased within 7 calendar days of initial trip payment, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all coverages contained in the policy. In order to receive the waiver of Pre-Existing Conditions, the amount of trip cancellation coverage must equal the full cost of all trip arrangements. The Insured must be medically able to travel when he/she pays his/her premium. In the event that a claim is filed, the Injury or illness must be substantiated to our Claims Department.
Q. Does everyone need to purchase the insurance?
A. The premiums under the policies are based on the per person trip cost. Therefore each individual is covered seperately.
Q Do I need to cover all trip arrangements?
A. To receive the waiver of Pre-Existing conditions on your coverage, you must purchase insurance to cover all of your trip arrangements, and you must purchase within 7 days of your initial trip deposit. If you are not concerned about Pre-Existing conditions, you may purchase coverage for less than the entire trip cost.
Q. What is the charge for trips over 30 days?
A. If your trip is longer than 30 days an additional premium of $5 per day over 30 is required.
Q. Are there co-payments or deductibles with your plan?
A. Our coverage is primary. There are no deductibles or co-payments required.
Q. What does primary coverage mean?
A. Primary coverage means that we would pay your loss first, however we do reserve the right to recover from any other insurance carrier that you may be enrolled with.
Q. What does this program cover for cancellation?
A. The Cruise, Tour & Travel programcovers for unforeseen sickness, injury or death of the traveler, a family member of the traveler, a traveling companion, or family member of the traveling companion. The program covers for cancellation due to inclement weather, unforeseen labor strikes affecting public transportation, unforeseen traffic accidents, financial default of the travel supplier, termination of employment, your home being made uninhabitable by fire, flood, vandalism, burglary or natural disaster, your being subpoenaed, required to serve on a jury, hijacked or quarantined, military duty and a terrorist incident.
Q. Can you cancel your trip for any reason?
A. If you purchase your insurance within seven days of your initial deposit, you will receive a $250.00 change your mind coverage. However, if you do not qualify for this benefit, only certain unforeseen circumstances would be covered. A list of these circumstances is included in the description of coverage.
Q. What happens if someone not traveling becomes ill or passes away. Is this covered?
A. An illness of a family member not traveling with you would be covered, however, the same Pre-Existing clause would apply. The definition of a family member is included in the description of coverage.
Q. Will Travel Guard™ track my baggage if it is lost? And if so, for how long?
A. If your baggage is lost while you are covered under the policy we do track your baggage for one full year if it is not found.
Q. When does the coverage begin?
A. The coverage begins for trip cancellation purposes, at 12:01 am on the day after the enrollment is received by Travel Guard™ if coverage is purchased by mail, via phone, fax or Internet. All other coverages will begin on the later of a) the date and time the insured starts his/her trip b) the scheduled trip departure date shown on the Enrollment Form.
Q. How do I file a claim?
A. To file a claim, you can call Travel Guard™ between the hours of 7:00am and 5:00pm Central Time and start the process with a Claims Analyst on the telephone. The analyst will explain what needs to be provided to Travel Guard™ in order to pay your claim. The form will then be faxed or mailed to you to provide that information.
Q. What if I want a refund of the premium?
A. Travel Guard™ is committed to providing products and services that exceed your expectations. If you are not completely satisfied, you can receive a refund. Request must be submitted to Travel Guard™ in writing within three days of the receipt of your coverage, providing it is not past your original departure date.
