• Frequently Asked Questions

    Q. What is the pre-existing condition waiver and how can I qualify?
    A. If insurance is purchased with your initial trip payment, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your premium. In the event a claim is filed, the injury or illness must be substantiated to our Claims Department.

    Q. What does this policy cover for cancellation?
    A. The policy covers if you have an unforeseen sickness, injury or death of yourself, a family member or a traveling companion. The policy also covers for inclement weather, unforeseen labor strikes affecting public transportation, and unforeseen traffic accidents while en route to the destination.

    Q. Can you cancel your trip for any reason?
    A. Only certain unforeseen circumstances would be covered on the travel insurance plan. 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. When does the coverage begin?
    A. The coverage for trip cancellation begins at 12:01 am the day after the premium is submitted. All other benefits become effective the date and time you start your trip.

    Q. How do I file a claim? A. Call our toll-free number 1.866.385.4839, 24 hours a day, 7 days a week.
    A representative will review and complete a claim form for you and explain what needs to be provided in order to pay your claim. The form will then be faxed or mailed to you for signature and to provide the appropriate documents.

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Non insurance services are provided by Travel Guard.
 
This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 213-897-8921. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. Travel assistance services provided by Travel Guard.