Reimburses cancellation penalties or unused arrangements up to your total trip cost should you need to cancel or interrupt because of illness, injury, or death to yourself, a family member, or traveling companion; jury duty; subpoena; or a documented traffic accident in which you are directly involved on the way to the airport.
Reimburses the airfare paid, less the value of applied credit from an unused return travel ticket, to return to your city of residence (limited to the cost of one-way economy airfare by a scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets and up to your total trip cost), should you need to interrupt because of illness, injury, or death to yourself, a family member, or traveling companion.
Reimburses additional transportation costs or additional expenses for meals and lodging should your flight be delayed by inclement weather or other covered reasons.
Reimburses medical costs should you incur hospital charges or other medical bills as a result of an illness or injury during your vacation.
Arranges and pre-pays the cost of emergency medical transportation should a serious illness or injury during your vacation require your medical evacuation.
Reimburses you for baggage or items lost, stolen, or damaged during your vacation.
Reimburses for the purchase of necessary personal items if your bags are delayed by the airline for more than 24 hours.
Services of AIG Assist should you experience medical, travel, or legal problems of an emergency nature during your vacation. Please see the Description of Coverage for full details regarding the plan.
Every person's insurance coverage differs. However, often travelers do not have coverage that would protect them in the event they needed to cancel their trip and were subject to cancellation penalties. The plan includes reimbursement for cancellation penalties up to the total trip cost paid, in the event that you must cancel your trip for a covered reason.
In addition, while many travelers have health insurance, it sometimes does not cover them outside of their network or outside of the United States. Check your policy to be sure.the plan will reimburse eligible medical expenses not covered by your primary health insurer, including deductibles and co-insurance.
It will pay first dollar for covered expenses if your primary health insurance does not cover the medical expenses or if you do not have health insurance. Oftentimes, health insurance will not pay for emergency evacuations, which may be considered transportation benefits, and can be quite expensive. The plan includes an emergency evacuation benefit up to $25,000.
Many times, travelers believe that their credit cards include insurance coverage. Read the fine print on this coverage carefully. Ensure that it not only provides a 24-hour toll-free service that will assist in an emergency and arrange for medical transportation, but also has insurance benefits, up to a specified maximum dollar amount, that will pay in the event of a necessary emergency evacuation.The plan includes access to a 24-hour assistance service that can coordinate emergency medical evacuation and also includes an insured benefit of up to $25,000 for costs associated with the service. Eligible medical expenses can be reimbursed, up to $10,000 through this plan, and reimbursement is also available for unused trip days under the trip interruption benefit, up to the total trip cost.
Please see the Description of Coverage for full details regarding the plan.
IMPORTANT: This is only a brief description of the plan.The travel protection benefits and services described were arranged with National Union Fire Insurance Company under Policy Number 3215-9500490.
If you have any questions in regard to the plan, please contact the plan administrator, Travel Guard, at 1-877-240-3235
This policy provides limited benefit health insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. This insurance is underwritten by the National Union Fire Insurance Company of Pittsburgh, PA and is provided in excess of all other valid and collectible insurance or indemnity and shall apply only after such other benefits are exhausted. Please see the Description of Coverage for full details regarding the plan.