Travel Guard Insurance Information
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Travel Insurance Information
A.
You've saved, you've waited, and now you're
all set to travel. Preparing for your trip includes covering yourself
for unfortunate occurrences that threaten to interfere with even your
best-laid plans. By purchasing travel insurance, you can insure yourself
for covered cancellation penalties, medical costs, as well as gain
access to a wide range of traveler's assistance services.
Did you know that insurance protection plan could cover you if:
�
Someone in your family has an
illness or injury, even if they aren't scheduled to travel with you
�
You become ill and can't
travel or your child comes down with the chicken pox and you are
quarantined
�
Weather prevents you from
leaving home and reaching your destination
�
A family member back home
passes away and you must return from your vacation early
�
Your luggage or ski equipment
is lost or delayed by the airline
�
You twist your ankle and must
visit a physician while traveling
�
Many other unforeseeable
events as listed in the Description of Coverage
What are the coverages?
�
Trip Cost - Trip
Cancellation & Interruption
(covers trip costs up to $100,000)
Covers your trip investment if you must
cancel or interrupt your trip for covered reasons such as sickness,
injury or death to you, your traveling companion or a family member;
severe weather; being subpoenaed or required to serve on jury duty,
being called into active military service or having leave revoked or
being reassigned, or if your principal residence or destination is made
uninhabitable.
�
$400 - Trip Delay
Reimburses for the purchase of essential
items (i.e. meals, toiletries, etc.) if delayed for 12 or more hours
because of a carrier caused delay, lost/stolen passport, travel
documents or money, quarantine, natural disaster, injury or sickness of
the insured or a traveling companion, or inclement weather.
�
$400 - Baggage Delay
If your baggage is delayed for more than 12
hours, you will be reimbursed for the purchase of essential items (i.e.
clothing, toiletries, etc.)
�
$25,000 - Medical Expense
Covers emergency medical expenses incurred
while traveling; includes emergency dental treatment.
�
$500,000 - Emergency
Medical Transportation
Covers evacuation and transportation to the
nearest adequate medical facility (or home in the event of death or if
medically required) as well as a medical escort if deemed necessary.
�
Included � 24-hour Travel
Medical Assistance*
�
Included � 24-hour
Worldwide Travel Assistance*
�
Included � 24-hour
Roadside Assistance*
*These are
non-insurance services provided by AIG Travel 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 homeowners, renters, credit
card, or health 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
protection plan has a wide range of travel benefits; which credit card,
homeowners, and renter�s insurance policies may not offer. The medical
coverage included in this insurance protection plan is vital for most
people whose health insurance policies do not pay for covered medical
expenses incurred outside of the United States (e.g., Medicare, certain
HMO's, etc.)
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 protection plan because you
can waive the Pre-Existing Condition exclusion by enrolling in the plan
and paying for it within 14 days of your initial deposit. 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 coverages.
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 AIG Travel Assist?
A.
We always instruct our insureds to contact
local medical services during an emergency for immediate medical
attention, or evacuation if necessary, and then notify AIG Travel 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 AIG Travel 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 protection plan is the 24-Hour
Emergency Assistance Service. AIG Travel Guard is a leader in this
field. With AIG Travel 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 AIG Travel
Assist immediately and give the details of your problem or medical
emergency.
Q. Where can I
call for more information?
A.
You may call AIG Travel Guard at
1-888-409-7749, 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 the
final trip payment is made or 30 days prior to arrival, whichever comes
first. If a booking is made within 30 days of the scheduled arrival
date, the guest can purchase the insurance the day of the booking only.
Q. How do I file a claim?
A.
In the event of a claim, please notify your
booking agent immediately. Then call AIG Travel Guard at 1-888-7749 and
refer to product #008085 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 coverages
are available in every state. Non-insurance services are provided by
AIG Travel Assist.
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