Our customer care professionals hear certain questions often repeated in calls
each day from travel sellers and their clients. Here are the most popular.
The following questions and answers are provided to assist you in understanding
your coverage. Conflicts between this document and the Policy will be governed
by the Policy.
What are the general types of coverage included in the Worldwide Trip Protector comprehensive plan?
The Worldwide Trip Protector comprehensive plan
protects you both before your departure and during your trip from a wide range of unforeseen possible events
that could cancel or interrupt your travel plans. All coverage is in excess of any other coverage or
indemnity, except Accidental Death & Dismemberment,
Accidental Death & Dismemberment Common Carrier
(Air Only) and Optional Medical Upgrade. Coverage
includes trip cancellation,
trip interruption and trip delay,
missed connection,
baggage and personal effects protection,
baggage delay, emergency accident and sickness medical
expense and emergency evacuation, travel accident protection and
24-hour Assistance Services. Travelers also have the
options to purchase additional accident and sickness medical protection, additional emergency evacuation and
repatriation, flight insurance in a choice of benefit amounts, and collision damage waiver for their rental
car. Purchase of the optional medical upgrade will
remove the deductible and excess insurance provision.
What is trip cancellation insurance?
Trip cancellation insurance is financial reimbursement of your prepaid, non-refundable travel
costs when an unforeseen event, which is a covered reason under your policy, causes you to cancel
your trip.
What is trip interruption insurance?
Trip interruption insurance is financial reimbursement for your unused prepaid travel expenses
and/or the additional airfare to return home, when an unforeseen event, from which you are
protected under your policy, causes you to cut short your trip and return home ahead of schedule.
When does Worldwide Trip Protector provide coverage of a supplier bankruptcy?
Worldwide Trip Protector provides trip cancellation or trip interruption coverage for the bankruptcy
or default of your travel supplier which occurs more than 14 days following the effective date of
your policy. Coverage is not provided for the bankruptcy or default of the travel agency from which
which you purchased your land or sea travel arrangements.
When is protection from an act of terrorism an included coverage?
You are eligible for your policy’s trip cancellation or trip interruption benefits when a
politically-motivated terrorist attack occurs in a city listed on your travel itinerary. The
event must occur after your policy takes effect and within 30 days of your departure.
What is a Pre-Existing Medical Condition?
A Pre-Existing Medical Condition is any injury, sickness or medical condition of yourself,
a traveling companion or a member of your or your traveling companion’s family for
which medical advice, diagnosis, care or treatment was recommended or received within the
180 day-period ending on the effective date of your Worldwide Trip Protector policy. A
condition is not considered pre-existing if the condition for which prescribed drugs or
medicine are taken remains controlled without any change in the required prescription.
Who is considered a family member under the policy?
Any of the following relatives of your or your traveling companion is considered a family
member under the policy: a legal or common law spouse; a domestic partner; a parent or legal
guardian; step-parent, grandparent, parents-in-law, grandchild, natural or adopted child,
foster child or ward, step-child, children-in-law, brother, sister, step-brother, step-sister,
brother-in-law, sister-in-law, aunt, uncle, niece, or nephew.
What is a Waiver of a Pre-Existing Medical Condition?
This is a waiver that qualifies the Pre-Existing Medical Condition to not be excluded as
a protected reason for a cancellation or interruption of your trip. To obtain the waiver
you need to buy your Worldwide Trip Protector within 14 days of your initial trip deposit
and insure the trip’s full non-refundable cost. You must not be disabled from travel
when you buy the policy, and the insured trip must be your first and only booking for the
same destination and scheduled travel dates.
When is the best time to purchase a Worldwide Trip Protector comprehensive plan?
The best time to purchase the policy is with your initial trip deposit, or within 14 days
of the trip deposit. Your prompt purchase ensures that you are afforded the maximum
protection under the policy.
Can you ever decide to cancel your Worldwide Trip Protector policy for a refund?
Yes, you have 14 days for a “free look”. You must give us written notice within
either fourteen (14) days of the date of issuance of your policy or your scheduled
departure date, whichever occurs first, provided you have not submitted a claim under
the policy. If you cancel within the conditions we will refund your premium less the
administration fee.. If these conditions are not met, the policy cost is non-refundable.
How is a group defined for Travel Insured’s Group Protector policies?
A Group Plan is defined as 10 or more insured passengers on the same policy, traveling
to the same destination with the same departure and return dates. Now available to cover
family groups under 1 plan!
When does a travel seller book and pay for a group plan?
Each group plan needs to be booked prior to the first sale of travel and insurance
to group members. Payment for the group and a group manifest are due no later than the 15th
day of the month prior to the travel departure. Travel sellers can either book their groups
online or contact our group department at 1-800-243-3174 for additional assistance.
Where can I find information about filing a claim?
Why are medical records sometimes needed with a claim filing?
Medical records are requested to confirm that Worldwide Trip Protector covers the specific
medical condition causing the claim. It is also possible that the attending physician’s
statement is incomplete or needs further clarification. The medical records are normally needed
when your plan does not include the waiver of a pre-existing medical condition.
What document can I submit to seek reimbursement of an electronic airline ticket as part of a claim?
Submit the passenger receipt of the electronic ticket and the confirmation of the airline ticket received for
the online purchase of the air ticket.