We strongly recommend you review your health insurance coverage before
traveling overseas. Many policies, including Medicare, will not pay for
services or hospitalization outside of the country or for emergency
Because the unexpected does sometimes happen, we include travel insurance at no
added cost on new bookings (some exceptions apply). After all, a vacation can
be a big investment. Now you can travel worry-free.
Trip Cancellation & Interruption Trip Cancellation and Interruption
pays for forfeited, non-refundable, unused payments or deposits if due to:
Sickness, Accidental Injury, or death of You, Your Traveling Companion,
Family Member, or Business Partner; which results in medically imposed
restrictions as certified by a Physician at the time of loss preventing Your
continued participation in the Trip. A Physician must advise cancellation of
the Trip on or before the Scheduled Departure Date.
You or Your Traveling Companion being hijacked, quarantined, required to
serve on a jury, subpoenaed, or having Your principal place of residence made
uninhabitable by fire, flood, or other natural disaster.
Strike that causes complete cessation of services. A Strike is
foreseeable on the date labor union members vote to approve a Strike.
Weather which causes complete cessation of services and prevents You
from reaching Your destination.
Natural disaster at the site of Your destination which renders Your
destination accommodations uninhabitable.
Strike, resulting in the complete cessation of travel services at the
point of departure and/or destination
An Insured is terminated from employment subject to three years of
continuous employment at the place of employment where terminated.
If within 30 days of Your departure, a politically motivated Terrorist
Attack occurs within a 1-mile radius of the territorial city limits of the city
to be visited by the program for which You have registered.
Reimburses up to $100 a day for reasonable additional expenses if delayed for
12 hours or more due to:
Carrier delay such as mechanical difficulties.
Lost passport, money, or travel documents.
Injury or sickness of the Insured or Traveling Companion.
Reimburses up to the Maximum Benefit shown on the
Schedule of Benefits if delayed for three to less than twelve hours to your
point of departure due to:
Common carrier causes cancellation or delay of all regularly scheduled
airline flights. Baggage & Personal Effects
Reimburses for loss, theft, damage, and mysterious disappearance of
baggage and personal effects.
Reimburses for the purchase of essential items if baggage is delayed or
misdirected for more than 24 hours.
Emergency Medical Transportation
Evacuation to nearest adequate medical facility or home if medically
Transportation of remains upon death. Medical Expense
Pays for physician, hospital, ambulance services, and prosthetic
devices. Initial treatment must be received during trip. We will pay for
covered expenses for up to one year from date of injury/sickness.
Pays for emergency dental expenses during the trip.
Accidental Death & Dismemberment
Covers death and loss of limb or eyesight within 180 days of an
Travel Guard Assist* This is a non-insurance service.
Advancement of funds to cover on-site medical expenses.
Telephone interpretation services in major languages.
Replacement of lost passport and other incidentals as may be required.
Assistance to locate local physicians, dentists, or medical facilities.
Professionals will monitor the Insureds condition and contact
their personal physician.
Evacuation to a hospital, treatment facility, or back home.
24-hour emergency hotline. 24-hour LiveTravel® Assistance*
LiveTravel 24-hour hotline to make emergency travel changes once travel
has commenced, such as rebooking flights, hotel reservations, tracking lost
luggage and more!
Live Messaging relay of e-mail or phone message to family, friends, or
business associates. Pre-trip Travel Advice around-the-clock access to
passport, visa, inoculation, and vaccine requirements; travel advisories;
embassy and consulate contacts; travel health advisories; weather and currency
information all for your planned destination.
Emergency Cash Transfer assistance in coordinating an emergency cash
*Non insurance services are provided by Travel Guard Assist.
PRE-EXISTING MEDICAL CONDITION EXCLUSION APPLICABLE TO ALL COVERAGES
Pre-Existing Condition means any injury, sickness or condition of
the Insured, Traveling Companion, Family Member booked to travel with the
Insured for which medical advice, diagnosis, care or treatment was recommended
or received within the 180 day period ending on the Effective Date. Conditions
are not considered pre-existing if the condition for which prescribed drugs or
medicine is taken remains controlled without any change in the required
D E TAI L S O F C OVERAGE 4/09 P1 008526-SG 4/09
Underwritten by National Union Fire Insurance Company of Pittsburgh, PA, a
Pennsylvania Insurance Company, NAIC No. 19445. This is only a brief
description of the insurance coverage(s) available under Policy series
T30253NUFIC-NY. The Policy contains reductions, limitations, exclusions, and
termination provisions. Full details of the coverage are contained in the
policy. If there are any conflicts between this document and the policy, the
policy shall govern. The policy covers trips up to 180 days in length.
Effective Date: Trip Cancellation benefit will be effective at 12:01 a.m. on
the day after the plan cost is paid to the travel agent. All other coverage
will take effect on the date the insured leaves for their trip. Termination
Date: All coverage ends on the earlier of: (a) the date the trip is completed;
(b) the scheduled trip completion date; (c) the Insureds arrival at the
return destination on a round trip, or the destination on a one-way trip; or
(d) cancellation of the trip covered by the policy.
Please Email Us For Information
Call 1-800-221-2474 9AM - 6PM Mon-Fri Eastern Time or (516) 248-2042 outside USA/Canada
Although we have provided as much information as possible on our website, we are happy to answer your questions directly on the phone. Sometimes, it is just easier to speak to one of us. We are awaiting your call.