Q. Please explain your definition of "pre-existing" medical conditions.
A. The Insurer will not pay for loss or expense incurred as the result of
Injury or Sickness of an Insured or Family Member which manifests itself
during the 180 days immediately preceding the effective date, unless the
condition is controlled through the taking of prescription drugs or
medication and remains controlled throughout the 180 day period. A Sickness
has manifested itself when medical care, treatment, or diagnosis has been
given.Q. Can this exclusion be
waived?
A. The Insurer will waive this exclusion if the Insured meets the following
conditions:
- The Insured purchases the plan within 7
days of making his/her initial trip payment (day 1 is the date of the
original deposit);
- The amount of Trip Cancellation coverage
purchased at that time equals the full cost of all non-refundable trip
arrangements;
- The trip cost per person is no more than
$10,000 and the total cost of the trip is no more than $40,000. This
waiver is not available for policies (for any benefit amounts) if the trip
cost per person is greater than $10,000 and the total cost of the trip is
greater than $40,000;
- The booking for this trip must be the
first and only booking for this travel period and destination;
- The Insured must be medically able to
travel when he/she pays his/her premium
Q. If I do not enroll within the 7 days, how long do you look back for
Pre-Existing medical conditions?
A. If you do not qualify for the Pre-Existing waiver on the coverage, we
will not cover for any loss due to injury, sickness or death to you or a
family member or traveling companion if, during the 180 days preceding and
including the coverage effective date there was any medical care, advice,
consultation or treatment received for the condition that caused you to
cancel. Nor do we cover if any symptoms of the condition were present, or if
there was any adjustment in medication for the condition.
Q. How long do my bags need to be delayed before I will be covered for
baggage delay?
A. Baggage delay coverage provides reimbursement for the purchase of
essential items if your bags are delayed 24 hours or more.
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Q. When does the coverage begin?
A. The Trip Cancellation coverage begins at 12:01 am on the day after the
Enrollment Form is received by Travel Guard™ if coverage is purchased by
mail, via phone, fax or Internet. All other coverages will begin on the
later of a) the date and time the insured starts his/her trip, or b) the
scheduled trip departure date shown on the Enrollment Form.
Q. How do I file a claim?
A. To file a claim, you can call Travel Guard™ between the hours of 7:00am
and 5:00pm Central Time and start the process with a Claims Analyst. The
analyst will explain what needs to be provided to Travel Guard™ in order to
pay your claim. The form will then be faxed or mailed to you to provide that
information.
Q. What if I want a refund of the premium?
A. Travel Guard™ is committed to providing products and services that exceed
your expectations. If you are not completely satisfied, you can receive a
refund. Request must be submitted to Travel Guard™ in writing within three
days of the receipt of your description of coverage, providing it is not
past your original departure date.
Q. Will the plan reimburse for the single
supplement if my traveling companion cancels?
A. If a traveling companion cancels and you are held responsible for a
single supplement, you would be covered for the single supplement payment as
long as the reason for the cancellation was covered under the terms of the
Travel Guard™ policy.
Q. I am 55 and my husband is 60, can we enroll for coverage under the
same policy?
A. Yes.
Q. What is the rate for trips over 30 days?
A. If your trip is longer than 30 days an additional premium of $5 per
person, per day is required beginning with day 31. |
