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Frequently asked questions

Following are answers to many travel insurance questions commonly asked. If you have any additional questions, give us a call at 1-888-420-5378. Our Customer Service Representatives will be happy to help you!

Why Should I purchase program protection insurance?

Program Protection includes a package of travel insurance benefits designed to protect you in three ways: 1) to reimburse you for your financial investment (i.e.. the cost of your program arrangements) should a variety of unforeseen reasons force you to cancel or interrupt your program; 2) most importantly, to protect you against the costs incurred during your program for medical expenses, a medical evacuation, and services to assist you in an emergency situation; and 3) to protect against loss, damage or destruction of your personal belongings.

Some things are beyond our control. Program Protection provides coverage for: Program Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Program Delay and much more.

Our plans also include a 24- Hour Non-Insurance Assistance Services to help you in emergency situations and we also include a service to register your important medical information which then can be accessed should the need arise during your trip.

Remember, many of your program arrangements may be either non-refundable or subject to strict cancellation penalties. The lowest cost airfares, cruise and land packages generally include significant penalties if you are unable to actually take your trip.

Important Tip! Many people forget that programs may be cancelled or interrupted due to injuries or illnesses of family members who often are not even traveling: such as parents, grandparents, children, grandchildren, aunts and uncles. Remember, program protection not only covers you (subject to the terms of the plan) if you need to cancel your program due to sickness or injury but also can cover you if you need to cancel your trip due to the sickness or injury of any of these close family members.

Cancel for Any Reason Protection - is it right for you?

While there are many covered reasons for Program Cancellation, some reasons just aren’t covered. Changing your mind and discretionary reasons, for example.

With Cancel for Any Reason the freedom to cancel is yours and yours alone, provided you cancel two days or more before your scheduled departure date and purchased your plan within 21 days of the date your initial payment or deposit for your program is received. This benefit reimburses you up to 75% of the non-refundable insured Program Cost. Of course, when cancelling for a covered reason, you are reimbursed for 100% of the non-refundable insured Program Cost provided by the Program Cancellation benefit.

Important Tip! Remember, to be eligible for the Cancel For Any Reason benefit you must purchase the Activity Plus plan within 21 days of the date you your initial payment or deposit is received. Unlike the Program Cancellation benefit for covered reasons, such as sickness or injury, you do not receive 100% reimbursement.

What trip expenses should I protect?

Always insure the full cost of your non-refundable air, land or cruise program arrangements. For example, many first-class airline tickets, and some business class tickets are fully refundable and fully refundable arrangements need not be insured. Only buy program protection insurance for those prepaid travel arrangements that are non-refundable. Frequent traveler awards, early purchase discount vouchers or credits, etc., generally are not insurable.

Important Tip! Insure the full cost of all prepaid, non-refundable program arrangements, to ensure you obtain the best coverage possible.

Should I wait to buy travel protection?

When to buy your plan is a very important decision. We recommend purchasing your program protection when booking your trip. Why? Most travel protection plans contain time sensitive provisions which broaden coverage when you purchase the plan in a timely manner. For example, Activity plans have a time sensitive period to obtain full coverage. The Cancel for Any Reason benefit is only available during the time sensitive period, and the Activity Plus plan that includes this benefit is only available to be purchased within 21 days of the date your initial payment or deposit for your trip is received.

When does my coverage begin?

Program Cancellation coverage begins the 12:01 a.m. the day after your payment for the plan is received. For most other benefits, coverage begins when you depart on your first travel arrangement to reach your program destination.

What are Pre-Existing Conditions?

A pre-existing medical condition is an illness, disease, or other condition during the 60-day period immediately prior to the date your Program Cancellation coverage is effective for which a person received (or receives a recommendation for) a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment. Conditions (during this same 60-day period) for which a person takes or receives a prescription for drugs or medicine are also considered to be Pre-Existing Conditions. However, a condition that is treated or controlled solely through the taking of prescription drugs or medicine is not considered to be a Pre-Existing Conditions if the condition remains treated or controlled without any adjustment or change in the required prescription throughout the 60-day period before coverage is effective. A condition is also considered to be a Pre-Existing Condition if it requires a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication is reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is: a) between a brand name and a generic medication with comparable dosage; or b) an adjustment to insulin or anti-coagulant dosage.

A death resulting from a pre-existing medical condition that otherwise triggers coverage is not excluded. However, the death must occur prior to the termination date of the benefit under which the claim is being made.

What if I used frequent flyer points to book my flight?

Program Protection does not cover frequent flyer points.

What if I miss my program?

The Missed Connection benefit provides reimbursement (up to the plan maximum benefit amount) for the additional transportation costs to join your program, and for any unused portion of prepaid land or water program arrangements, if you miss your tour or cruise departure because your arrival at your program destination is delayed 3 hours or more due to: 1) any delay of a common carrier; 2) a documented inclement weather condition that prevented you from getting to the point of departure; or 3) quarantine, hijacking, strike, natural disaster, terrorism or riot.

Under the Program Delay Benefit, you can be reimbursed (up to the plan maximum benefit amount), for reasonable expenses you incur, if you are delayed beyond a minimum required time while en route to, from or during your program due to a covered unforeseen reason such as a delay of a Common Carrier.

What happens if the airline loses my baggage?

Our plans provide both baggage/personal effects and baggage delay benefits. If your baggage is lost, damaged or destroyed during your trip the plan provides reimbursement up to the maximum benefit amount, for items lost, damaged or destroyed.

Under the Baggage Delay Benefit, the plan provides reimbursement for the cost of necessary personal items purchased by you during your program when your baggage is delayed or misdirected by an airline for 12 consecutive hours or more.

Can I cancel my plan if after reviewing it, if I am not satisfied?

You can cancel and return your plan within the 10-day free look period and receive a complete refund provided there is no loss, you have departed on your program or filed a claim under this plan.

What should I do if I need Emergency Medical care while traveling?

You can contact On Call International. Assistance coordinators are available 24/7 to help you in emergency situations. The On Call International assistance contact information is included in the Plan Document and on your Purchase Confirmation. Services provided by On Call International are not insurance benefits.