Travel Insurance - Frequently Asked Questions:

FAQ - International Air Ticket Program

• Q. What is the pre-existing condition waiver and how can I qualify?
  A. If insurance is purchased with the initial trip payment, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all coverage contained in the plan. You must be medically able to travel when you pay your plan cost. In the event a claim is filed, the injury or illness must be substantiated to our Claims Department.
• Q. Are there co-payments or deductibles with your plan?
  A. There are no deductibles or co-payments required.
• 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 plan also covers for inclement weather, unforeseen labor strikes affecting public transportation, and unforeseen traffic accidents.
• 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 traveling becomes ill or passes away? Is this covered?
  A. An illness or death of a family member not traveling with you would be covered, however, the same preexisting medical condition 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 plan we do track your baggage for one full year if it is not found.
• Q. When does the coverage begin?
  A. The coverage for trip cancellation begins at 12:01 am the day after the plan cost is submitted.
• Q. How do I file a claim?
  A. To file a claim, you can call Travel Guard at 866-476-6688 between the hours of 7:00 a.m. to 7:00 p.m. Central time. One of our claims analysts will 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.

FAQ - Domestic Air Ticket Program

• Q. Are there co-payments or deductibles with your plan?
  A. There are no deductibles or co-payments required.
• Q. What does this plan 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 plan also covers for unforeseen traffic accidents.
• 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 traveling becomes ill or passes away? Is this covered?
  A. An illness or death of a family member not traveling with you would be covered, however, the same pre-existing medical condition 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 plan we do track your baggage for one full year if it is not found.
• Q. When does the coverage begin?
  A. The coverage for trip cancellation begins at 12:01 am the day after the plan cost is submitted.
• Q. How do I file a claim?
  A. To file a claim, you can call Travel Guard at 866-476-6688 between the hours of 7:00 a.m. to 7:00 p.m. Central time. One of our claims analysts will 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.