DESCRIPTION
OF BENEFITS
This brochure describes the highlights of Your Protection
Plan. You will be provided a full description of benefits,
conditions and exclusions when You purchase the Protection
Plan.
TRIP CANCELLATION
You are eligible for benefits equal to the amount protected
for unused non refundable prepaid expenses for Travel Arrangements
whenever You are prevented from taking a Trip for any of
the following reasons that occur after the Effective Date
of Your Protection Plan:
Sickness, Injury or death involving
You or Your Traveling Companion or a Business Partner or
Family Member of either You or Your Traveling Companion
which results in medically imposed restrictions as certified
by a Legally Qualified Physician at the time of loss preventing
Your continued participation in the Trip;
Unannounced strike that causes
complete cessation of services of Your Common Carrier for
at least 48 consecutive hours;
Weather which causes complete
cessation of services of Your Common Carrier for at least
48 consecutive hours;
Employer termination or layoff
affecting You or a person(s) sharing the same room during
Your Trip. Employment must have been with the same employer
for at least 3 continuous years;
Primary Residence of You or Your
Traveling Companion is rendered uninhabitable by unforeseen
circumstances;
Burglary of Your or Your Traveling
Companions primary residence within 10 days of departure
or during Your Trip;
Felonious Assault of You or Your
Traveling Companion within 10 days of departure or during
Your Trip;
Terrorism in a country which
is part of the Trip which causes the United States Department
of State to issue a travel warning that You should not travel
within that country for a period of time that would include
the Trip;
Hijack, quarantine, jury duty,
or court ordered appearance as a witness in a legal action
in which You or Your Traveling Companion is not a party
(except law enforcement officers);
You or Your Traveling Companion
are called to emergency military duty for a national disaster
other than war;
Traffic accident, substantiated
by a police report, directly involving either You or a Traveling
Companion while en route to a scheduled departure point;
If Your Travel Supplier cancels
Your Trip, You are eligible for a benefit of $75 for the
reissue fee charged by the airline for Your tickets. (Not
applicable for Post Departure Plan). You must have protected
the entire cost of Your Trip including the airfare.
All cancellations must be reported
to the Travel Supplier within 72 hours of the event causing
the need to cancel. If the event delays the reporting of
the cancellation beyond the 72 hours, report the event as
soon as possible. All other delays of reporting beyond 72
hours will result in reduced benefit payments.
TRIP INTERRUPTION
(POST DEPARTURE PLAN RETURN AIR ONLY)
If You are prevented from completing
a Trip for any of the reasons listed under the Trip Cancellation
section that occur after Your Protection Plan Effective
Date and after the Scheduled Departure Date of Your Trip,
You are eligible up to the benefit amount protected for:
Any unused prepaid expenses for
Travel Arrangements;
Return air: One way Economy Transportation
to return to Your original destination or rejoin Your Trip
less the value of the original unused return travel ticket;
Single supplement upgrade You
are eligible for benefits when Your Traveling Companion
cancels or interrupts a Trip for a specified reason and
You do not.
TRAVEL DELAY
You are eligible for benefits up
to the benefit amount shown for: a) Additional Transportation
Cost to join the Trip or return home, including up to $150
per day, up to the maximum benefit limit, for reasonable
accommodations and meals, if Your delay requires an unplanned
overnight stay; or b) unused nonrefundable portion of the
prepaid expenses as long as the expenses are supported by
proof of purchase and are not reimbursable by any other
source. Delay must be for 6 hours or more and certified
due to one of the following reasons: 1) Delay of Common
Carrier (which is certified by the Common Carrier); 2) A
traffic accident in which You were not directly involved
(substantiated by a police report); 3) Documented weather
condition preventing You from getting to the point of departure;
4) Quarantine, hijacking, Strike, natural disaster, terrorism
or riot; 5) Lost or stolen passports, travel documents or
money (must be substantiated by a report to the police or
the appropriate authority).
MISSED CONNECTION
Provides benefits up to the benefit
amount shown for: 1) Additional Transportation Cost to join
the cruise or tour; 2) Accommodation and hotel expenses,
if You miss Your cruise or tour departures because Your
airline flight was cancelled or delayed for at least 3 hours
due to one of the following reasons: 1) Delay of Common
Carrier (which is certified by the Common Carrier); or 2)
Documented weather conditions.
BAGGAGE & PERSONAL EFFECTS
You are eligible for benefits up
to the benefit amount for lost, stolen, or damaged baggage
or personal items subject to a maximum reimbursement of
up to $250 per article. A maximum of $500 applies to the
total amount payable for loss of any or all of the following:
jewelry, watches, articles consisting in whole or in part
of silver, gold or platinum, articles trimmed with fur,
cameras and their accessories and related equipment. In
addition, the following reimbursements are included in this
benefit: 1) Lost or stolen passport or visa ($50 maximum);
2) Lost or stolen credit cards (cost associated with the
unauthorized use - $50 maximum subject to verification that
You have complied with all conditions of the credit card
company).
BAGGAGE DELAY
If Your checked baggage is delayed
or misdirected while on Your Trip for more than 24 hours
from Your time of arrival at Your destination other than
Your residence by a Common Carrier, You are eligible for
benefits up to the benefit amount shown for the expense
of necessary purchases of personal items as long as the
expense is substantiated by receipts for purchases. The
Common Carrier must certify the delay.
MEDICAL EXPENSE
You are eligible for benefits up
to the benefit amount shown for: 1) Eligible Expenses incurred
as a result of an accidental Injury which occurs or Sickness
which first manifests itself during the Trip. You must receive
initial Medical Treatment for Injury or Sickness within
30 days after the date of the accident that caused the Injury
or the onset of Sickness. All treatment must be received
within 52 weeks following the date of the accident or after
onset of Sickness. 2) Benefits will include expenses for
emergency dental treatment not to exceed $750. 3) Advance
payment will be made to a Hospital, subject to the applicable
benefit amount if needed to secure Your admission to a Hospital
because of Sickness or Injury which first occurs during
the course of the Trip. The authorized Assistance Company
will coordinate advance payment to the Hospital. In all
cases, benefits will not be paid in excess of the Usual
and Customary Charges.
MEDICAL EVACUATION/REPATRIATION
You are eligible for benefits up
to the benefit amount shown for: 1) Medical evacuation which
is determined by a Legally Qualified Physician and the authorized
Assistance Companys medical director when Injury or Sickness
is acute or life threatening and adequate treatment is not
available at a local Hospital. Transportation will be provided
to the closest Hospital or medical facility capable of providing
adequate treatment; 2) Medical repatriation is provided
when it is deemed Medically Necessary by a Legally Qualified
Physician and the authorized Assistance Company for You
to return to Your home or a Hospital near Your home for
continued treatment. Transportation Expense incurred will
be paid for You via one-way Economy Transportation; or commercial
upgrade, based on Your condition as recommended by the local
attending Legally Qualified Physician and the authorized
Assistance Company: a) to return to Your permanent residence;
or b) to be moved to a Hospital or medical facility closest
to Your permanent place of residence capable of providing
that treatment; 3) Either: a) transportation will be provided
for the return trip home via Economy Transportation for
any dependent children under 18 who are accompanying You
if You are confined to a Hospital for more than 7 consecutive
days; or b) if You are traveling alone and are confined
to a Hospital for more than 7 consecutive days, this benefit
will provide one round-trip Economy Transportation for a
person of Your choice to visit You in a Hospital. These
benefits provide the most appropriate and Economical Transportation
by the most direct and economical route. This benefit for
land or air transportation includes, but is not limited
to, commercial stretcher, medical escort, or the Usual and
Customary Charges for air ambulance, provided such transportation
has been pre-approved and arranged by the authorized Assistance
Company. Benefits are calculated less the value of an unused
return travel ticket. If benefits are payable under Your
Protection Plan and You have other insurance that may provide
benefits for this same loss, we reserve the right to recover
from such other insurance.
Note, Pre-Existing Condition limitation
is automatically waived for Medical Evacuation/Repatriation.
ACCIDENTAL DEATH AND
You are eligible for benefits 24
hours a day, for the benefit amount shown when You sustain
Injuries resulting in any of the listed Type of Loss within
180 days from the date of accident, while on a Trip.
OPTIONAL FLIGHT ACCIDENT
These benefits apply up to the
amount purchased for accidental death, dismemberment or
loss of sight as a result of an accident while a passenger
on a regularly scheduled air flight, a land or water conveyance
provided by the airline as a substitute for an aircraft,
a Common Carrier while en route to or from the airport,
or at the airport immediately before boarding or after disembarking
from an aircraft.
| TRAVEL
ASSISTANCE SERVICES
The Travel Assistance
feature provides a variety of travel related services.
Services offered include: Medical evacuation
Medically necessary repatriation
Baggage retrieval Inoculation information
Repatriation of remains Medical or legal referral
Hospital admission guarantee Translation service
Lost Passport/visa information Emergency
cash advance* Prescription drug/eyeglass replacement*
Bail bond* * Payment reimbursement to the Assistance
Company is Your responsibility.
For travel
assistance services only
CALL TOLL FREE:
1-800-494-9907
(WITHIN THE UNITED STATES AND CANADA)
OR CALL COLLECT
1-603-898-8752
(FROM ALL OTHER LOCATIONS)
Travel assistance services
are provided by an independent organization and
not by TIG Insurance Company, TIG Premier Insurance
Company, or Travel Insured International. There
may be times when circumstances beyond the Assistance
Companys control hinder their endeavors to provide
travel assistance services. They will, however,
make all reasonable efforts to provide travel
assistance services and help you resolve your
emergency situation.
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WHEN YOUR BENEFITS APPLY
The Effective Date of Your Protection
Plan begins at 12:01 a.m. following the postmark of Your
application, or 12:01 a.m. following the date You apply
by phone or fax and pay the proper amount. Trip Cancellation
and Assistance Services begin on the Effective Date. Trip
Delay Benefit is in force while You are en route to and
from Your Trip. All Other Benefits begin on 12:01 a.m. on
Your Scheduled Departure Date or Your Protection Plan Effective
Date whichever is later. Benefits end 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 Family Member.
WHEN BENEFITS ARE NOT
PAYABLE UNDER THIS PLAN
Unless otherwise stated, benefits
are not payable for Sickness, Injuries or losses of You
or Your Traveling Companion; 1) Resulting from suicide,
attempted suicide, or any intentionally self-inflicted injury
while sane or insane (in Missouri, sane only); 2) Resulting
from an act of declared or undeclared war or occurring while
participating in maneuvers or training exercise of an armed
service; 3) Occurring while or resulting from riding, driving
or participating in races, or speed or endurance contests;
4) Occurring while or resulting from mountaineering (engaging
in the sport of scaling mountains generally requiring the
use of picks, ropes or other special equipment); 5) Occurring
while or resulting from participating as a member of a team
in an organized sporting competition; 6) Occurring while
or resulting from participating in skydiving, hang gliding,
bungee cord jumping, scuba diving or deep sea diving; 7)
Occurring while or resulting from piloting or learning to
pilot or acting as a member of the crew of any aircraft;
8) Received as a result or consequence of being Intoxicated
or under the influence of any controlled substance unless
administered on the advice of a Legally Qualified Physician;
9) To which a contributory cause was the commission of or
attempt to commit a felony or being engaged in an illegal
occupation; 10) Due to normal childbirth, normal pregnancy
(except complications of pregnancy) or voluntarily induced
abortion; 11) For dental treatment (except as otherwise
specifically provided herein); 12) Due to a Pre-Existing
Condition Note: Pre-Existing Condition limitation is automatically
waived for Medical Evacuation/Repatriation benefit.
WHAT IS NOT PAYABLE UNDER
BAGGAGE/PERSONAL EFFECTS
Benefits are not payable for loss
of any of the following: a) animals, b) automobile or automobile
equipment, boats or other vehicles or conveyances, trailers,
motors, aircraft, bicycles (except when checked as baggage
with a Common Carrier); c) household effects and furnishings,
antiques or collectors items; d) sunglasses (prescription
or non-prescription) or contact lenses; e) artificial teeth
or dental bridges; f) hearing aids; g) prosthetic limbs;
h) prescribed medications; i) keys; j) money, credit cards,
tickets, documents (except as otherwise specified under
the benefit description) or securities; k) stamps; l) professional
or occupational equipment or property (whether or not electronic
business equipment), telephones or computer hardware or
software.
PLAN DEFINITIONS
Common Carrier means any public
land, air or water conveyance operating under a valid license
providing for the transportation of passengers for hire.
Family Member means any of the
following who resides in the United States, Canada, or Mexico:
You or Your Traveling Companions: legal spouse (or common-law
spouse where legal), legal guardian, son or daughter (adopted,
foster, step or in-law), brother or sister (includes step
or in-law), parent (includes step or in-law), grandparent
(includes in-law), grandchild, aunt, uncle, niece or nephew.
Pre-Existing Condition means
any Injury, Sickness or condition (including any condition
from which death ensues) of You, or Your Traveling Companion,
You or Your Traveling Companions Family Member or Your
Business Partner which within the one hundred and eighty
(180) day period prior to the Effective Date of Your Protection
Plan: a) manifested itself, became acute or exhibited symptoms
which would have caused one to seek diagnosis, care or treatment;
b) required taking prescribed drugs or medicine, unless
the condition for which the prescribed drug or medicine
is taken remains controlled without any change in the required
prescription; or c) required medical treatment or treatment
was recommended by a Legally Qualified Physician. (Note,
In California, part a is not applicable). Scheduled Departure
Date means the date on which You are originally scheduled
to leave on Your Trip.
Scheduled Return Date means the
date on which You are originally scheduled to return to
the point of origin or the original final destination. Travel
Arrangements mean: a) transportation; b) accommodations;
and c) other specified services arranged by the Travel Supplier
for the Trip.
Traveling Companion means a person
or persons with whom You; a) have coordinated Travel Arrangements
and b) intend to travel with during the Trip. Note: a group
or tour leader is not considered a Traveling Companion unless
You are sharing room accommodations with the group or tour
leader.
Trip means scheduled trips, tours
or cruises for which: a) benefits are requested; and b)
the required plan cost is submitted prior to the Scheduled
Departure Date.
You or Your means the individual
named on the enrollment form who has purchased a Trip and
who has paid the required cost for Your Protection Plan.
Benefits under Your Protection
Plan are provided by the American Travel Services Trust.
The Trust is insured by TIG Insurance Company. In Oregon,
Kansas, New York, and South Carolina, the benefits of Your
Protection Plan are provided by a policy issued by TIG Insurance
Company.
Notice to Residents of Florida:
The benefits of Your Protection Plan are provided by the
American Consumer Insurance Trust. The Trust is insured
by TIG Premier Insurance Company and such insurance is governed
primarily by the laws of a state other than Florida. Your
homeowners policy, if any, may provide coverage for loss
of personal effects provided by the Baggage and Personal
Effects Benefits. This insurance is not required in connection
with the purchase of Your travel arrangements.
Notice to Residents of California:
Your Protection Plan contains disability insurance benefits
or health insurance benefits, or both, that only apply during
the Trip. You may have coverage from other sources that already
provides You with these benefits. You should review Your existing
policies. If You have any questions about Your current coverage,
call Your insurer or health plan. The Pre Existing Condition
limitation is waived for Medical Expenses
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SCHEDULE OF BENEFITS
COMPREHENSIVE PROTECTION
PLAN:
|
| BENEFITS |
LIMITS |
| Trip Cancellation |
Up To Trip Cost* |
| Trip Interruption |
150% Trip Cancellation Limit |
| Travel Delay |
$300 After 6-hrs. |
| Missed Connection |
$300 |
| Loss of Baggage/Personal Effects |
$1,000 |
| Baggage Delay |
$200 After 24-hrs. |
| Emergency Medical/Dental |
$10,000 |
| Emergency Medical Transportation |
$50,000 |
| 24-hr Accidental Death & Dismemberment |
$10,000 |
| 24-hr Assistance |
Included |
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*Up to a
maximum of $20,000 per person (for Age 80 and
over, maximum of $10,000 per person). Combined
Total Cost of Trip cannot exceed $40,000.
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COMPREHENSIVE PROTECTION PLAN RATES
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AGE
OF TRAVELER
|
|
| TOUR COST |
0-40
|
41-55 |
56-70 |
71-80 |
81+ |
| $0-$500 |
$25 |
$31 |
$42 |
$70 |
$115 |
| $501-$1000 |
$35 |
$44 |
$66 |
$98 |
$161 |
| $1,001-$1,500 |
$46 |
$56 |
$82 |
$126 |
$213 |
| $1,501-$2,000 |
$56 |
$76 |
$104 |
$159 |
$270 |
| $2,001-$2,500 |
$76 |
$95 |
$136 |
$226 |
$400 |
| $2,501-$3,000 |
$96 |
$114 |
$168 |
$273 |
$518 |
| $3,001-$3,500 |
$108 |
$130 |
$199 |
$320 |
$600 |
| $3,501-$4,000 |
$120 |
$147 |
$242 |
$373 |
$697 |
| $4,001-$4,500 |
$136 |
$168 |
$280 |
$429 |
$788 |
| $4,501-$5,000 |
$153 |
$189 |
$319 |
$482 |
$880 |
| $5,001-$5,500 |
$229 |
$261 |
$400 |
$565 |
$1,017 |
| $5,501-$6,000 |
$251 |
$285 |
$438 |
$619 |
$1,114 |
| $6,001-$6,500 |
$273 |
$310 |
$477 |
$672 |
$1,210 |
| $6,501-$7,000 |
$298 |
$339 |
$521 |
$736 |
$1,323 |
| $7,001-$8,000 |
$328 |
$373 |
$572 |
$808 |
$1,495 |
| $8,001-$9,000 |
$369 |
$420 |
$646 |
$911 |
$1,687 |
| $9,001-$10,000 |
$413 |
$470 |
$722 |
$1,019 |
$1,887 |
Administrative
Fee
$ 4.00 per reservation
Call
for trips over $10,000 1-888-332-7799
Add $3 per day for each day over 30.
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