Coverage against injury or loss of life while traveling or within 180 days of the accident.
Included – 24-hour Emergency Hotline*
Included – 24-hour Concierge Services*
Included – 24-hour Identity Theft Assistance*
Included – 24–hour Pet Return Service*
*These are non-insurance services provided by Travel Guard Assist.
Q. Are the benefits listed per insured or per booking?
A. The benefits listed are the total per booking. For example if the insured purchased travel insurance coverage for a trip costing a total of $2,000, this would be the maximum reimbursement allowable under trip cancellation or interruption for that booking.
Q. Will my current credit card, homeowners, or renters insurance policies cover me during my trip?
A. Other insurance policies may not offer coverage while you travel due to benefit limits, territory restrictions, and deductibles. Most people don't have any insurance coverage at all if they must cancel their trip. This insurance plan has a wide range of travel benefits; which credit card, homeowners, and renter's insurance policies may not offer.
Q. I know that I have a pre-existing medical condition; will the plan cover me?
A. Even if you have a medical condition that has been unstable in the last 60 days, you should still consider enrolling in this insurance plan because you can waive the Pre-Existing Condition exclusion by enrolling in the plan and paying for it by the final Trip payment. So long as you are medically able to travel at time of purchase, waiving the Pre-Existing Condition exclusion is the easiest way to alleviate doubt as to coverage for chronic medical conditions. There are some conditions that are not covered by the policy such as anxiety-related mental or nervous disorders. Please see the Exclusions section of the Description of Coverage to view these coverage's.
Q. One of the reasons listed under trip cancellation is "unforeseen sickness, injury or death of an insured or immediate family member". What is the definition of an immediate family member?
A. The family member definition includes: a traveling companion, and the insured's or traveling companion's spouse, domestic partner, child, spouse's child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, or legal ward. It also means the insured's business partner. (Business Partner means someone who is involved with the Insured or the Insured's Traveling Companion in a legal partnership and is actively involved in the daily management of the business.)
Q. What if I need transportation due to medical reasons and I am unable to get prior authorization from Travel Guard Assist?
A. We always instruct our insured to contact local medical services during an emergency for immediate medical attention, or evacuation if necessary, and then notify Travel Guard Assist as soon as is reasonably possible. Payment arrangements for your evacuation will depend on the nature of your particular situation and should be discussed with Travel Guard Assist.
Q: Will my vacation be covered if I cancel due to a hurricane?
A: You will have coverage if the property that you are staying at is inaccessible or uninhabitable within 30 days after the named hurricane causes the damage.
Q. Is there help while I'm traveling?
A. One of the valued benefits offered in this insurance plan is the 24-Hour Emergency Assistance Service. Travel Guard is a leader in this field. With Travel Guard Assist, you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, and referrals. They are also equipped to respond in many unexpected circumstances.
If an emergency should arise during your trip, call Travel Guard Assist immediately and give the details of your problem or medical emergency.
Q. Where can I call for more information?
A. You may call Travel Guard at 1-877-254-8842, with any questions regarding the travel insurance. Their service representatives will be happy to assist you.
Q. When is the latest the insurance can be purchased?
A. The coverage can be purchased up until 24 hour prior to departure.
Q. How do I file a claim?
A. In the event of a claim, please notify your booking agent immediately. Then call Travel Guard at 1-877-254-8842 and refer to product #008380 to start your claim.
Insurance coverage is underwritten by the National Fire Insurance Company of Pittsburgh, PA, with its principal place of business at 70 Pine Street, New York, New York 10270. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.
This is only a brief description of the insurance coverage(s) available under policy series T30253NUFIC. The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy will govern. Not all coverage's are available in every state. Non-insurance services are provided by Travel Guard Assist.