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    Frequently Asked Questions

    Q. What is the pre-existing condition waiver and how can I qualify?
    A. If the Travel Protection Plan-Basic or Deluxe is purchased within 7 days of 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. Does everyone need to purchase the insurance?
    A. Our policies are on a per person basis. Each person only needs to cover their own trip arrangements.

    Q. Are there co-payments or deductibles with your plans?
    A. There are no co-payments or deductibles on the Travel Protection Plan-Basic or Deluxe Plans.

    Q. What do these plans cover for cancellation?
    A. For plans that include Trip Cancellation, coverage is included if you have an unforeseen sickness, injury or death of yourself, a family member, travelling companion, or business partner. Coverage is also included for inclement weather, principal residence being made uninhabitable, subpoena, jury duty, hijacking or quarantine, unforeseen labor strikes affecting public transportation, unforeseen traffic accidents and being involuntarily terminated or laid off (if that occurs more than 14 days after the effective date of coverage and you actively employed for at least one year.)

    Q. Can you cancel your trip for any reason?
    A. 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 travelling becomes ill or passes away. Is this covered?
    A. An illness of a family member not travelling 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. How do I file a claim?
    A. To file a claim, you can call Travel Guard between the hours of 7:00 a.m. to 7:00 p.m. Central time and start your claim on line. One of our claims analysts will go through and fill out the 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 to provide that information.

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Non insurance services are provided by Travel Guard.
 
This is only a brief description of the coverage(s) available.
The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. 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.