• Smithsonian Journeys

    Frequently Asked Questions

    For questions regarding coverage, services or to file a claim please call 1.800.208.6142

    Q. What does this plan cover due to Trip Cancellation?
    A. The insurer will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your Trip for an unforeseen sickness, injury or death of yourself, a family member, traveling companion or business partner; you being subpoenaed, summoned for jury duty, hijacked or quarantined; your primary residence made uninhabitable by Natural Disaster, vandalism or burglary; or you or a Traveling Companion has a documented traffic accident, substantiated by a police report, while en route to destination; inclement weather causing delay or cancellation of travel; or strike. For a complete list of covered reasons for Trip Cancellation, please refer to the Description of Coverage.

    Q. Will I be covered if I cancel my Trip for any reason?
    A. Optional Cancel for any Reason coverage is available for additional premium
    Cancel for Any Reason (70% of Trip Cost)
    Cost: Multiply Base plan cost by 1.6
    If Optional Cancel for Any Reason was not purchased, only certain unforeseen circumstances would be covered. A list of these circumstances is included in the Description of Coverage.

    Q. What happens if a family member not traveling becomes ill or passes away? Is this covered?
    A. An illness or death of a family member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions 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 will be effective for an Insured at 12:01 a.m. Standard Time on the date following receipt by the tour company of any required plan cost. All other coverages will begin on the later of: (a) 12:01 a.m. Standard Time on the scheduled Departure Date shown on the travel documents or (b) the date and time the Insured starts his/her Trip, provided any required plan cost has been paid.

    Q. How do I file a claim?
    A. Call us at 1.800.208.6142, 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.

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: 800-927-HELP. 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. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.