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Travel Insurance Coverage Options for Student Groups

by John Stone | Aug 15, 2010

Travel Insured has extended the deadline for Student Group Members to obtain coverage of a Pre-Existing Medical Condition or to buy a Cancel For Any Reason option with their Student Group Insurance plan.

East Hartford, CT (Vocus) August 16, 2010 -- Travel Insured International is enhancing the value of its affordable Basic and Comprehensive Group Plans for Students, starting with Student Group Plans effective on or after September 1, 2010, and for groups departing their trips on or after September 1, 2010. Student Group members will have until their final trip payment to purchase one of the Travel Insured Student Group plans to obtain a Pre-Existing Conditions waiver. The waiver allows for Trip Interruption, Emergency Medical and, except for Post-Departure plans, Trip Cancellation coverage due to the recurrence of a pre-existing medical condition. Additionally, Student Group members will have until their final trip payment to add a Cancel For Any Reason option when they buy their Student Group insurance plan.

Student Pre-Existing Medical Condition Coverage

The Pre-Existing Conditions coverage may apply to pre-existing conditions of the students themselves, one of their family members, their travel companion, or one of their travel companion’s family members. A Travel Insured Student Group Plan will include the Pre-Existing Medical Condition coverage when the group member:

  • Purchases the plan prior to his or her final trip payment.
  • Purchases the plan to cover the full prepaid trip cost.
  • Makes his or her first and only trip booking for the same dates and destination.
  • Is medically able to travel at the time he or she pays the plan premium.
     

A Pre-Existing Medical Condition is any illness, sickness or condition for which medical diagnosis, care or treatment was obtained during the 180-day period ending on the effective date of the group insurance plan.

Student groups can be from school, civic, or youth organizations, and are comprised of 10 or more insured travelers, of whom 80% must be age 35 or younger. All members must be insured on the same plan and travel on the same dates. The plan prices are non-age rated, allowing the same premiums for both students and their adult chaperones. The same low premium rates also apply whether a Student Group plan is voluntary – meaning an option for each group member – or inclusive, with the premium built into the cost of the overall travel package and taken by all group members.

Student Cancel For Any Reason Option

Student Group members may now individually opt to purchase, or the whole Student Group may purchase, the popular Cancel for Any Reason option up until their final trip payment as an upgrade with the purchase of their Student Group Plan. The option allows individuals to Cancel for Any Reason two or more days prior to their scheduled departure for up to a 75% cash reimbursement of their non-refundable trip costs.

Student group leaders have 3 choices of Travel Insured group plans:

The Student Group Basic Plan includes Trip Cancellation, Trip Interruption, Trip Delay and Emergency Evacuation & Repatriation Coverage. Worldwide Emergency Travel Assistance is included. The plan, however, does not include Missed Connection, Emergency Accident & Sickness, Baggage Protection or Baggage Delay Coverage.

The Student Group Comprehensive Plan includes a full list of coverage and benefits, including: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Baggage Protection, Baggage Delay, Emergency Accident & Sickness, and Emergency Evacuation & Repatriation Coverage. Worldwide Emergency Travel Assistance is included.

A third choice is the Student Group Post-Departure Plan, which takes effect on the date of departure. This plan eliminates Trip Cancellation coverage and the Cancel for Any Reason Option, and has limited Trip Interruption, but otherwise includes the coverage and benefits of the comprehensive plan during the days of the trip. A waiver for Pre-Existing Medical Condition coverage under Trip Interruption and Emergency Medical Coverage can be obtained by purchasing the plan before final trip payment.

Additional information including benefits, limits and pricing, is available at www.travelinsured.com. Group leaders and their travel planners can learn more about the new Travel Insured Group Plans from Travel Insured's Group Administrator by Emailing groups(at)travelinsured(dot)com, or by phoning 1-800-243-3174 ext. 148.

Coverage is offered by Travel Insured International, California lic. no.0I13223, 855 Winding Brook Drive, Glastonbury, CT 06033. The plans contain insurance benefits underwritten by the United States Fire Insurance Company, 305 Madison Ave, Morristown, NJ 07960. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. United states Fire Insurance Company is currently authorized to transact business in all states and the District of Columbia. NAIC No. 21113. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2016. The plans also contain non-insurance Travel Assistance Services that are provided by an independent organization, and not by United States Fire Insurance Company or Travel Insured International. Coverages may vary and not all coverage is available in all jurisdictions. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of our plans. Louisiana residents looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured.