Frequently Asked Questions

The Standard, Deluxe and Elite Plans provides the following benefits:

• Trip Cancellation
• Trip Interruption
• Travel Delay
• Missed Connection
• Baggage & Personal Possessions
• Baggage Delay
• Emergency Medical/Dental Expense
• Emergency Medical Evacuation/Repatriation
• Emergency Reunion or Return of Mortal Remains
• Common Carrier AD&D

The Lite Plan covers trip cancellation, trip interruption trip delay, and baggage delay only

As a benefit of membership in the National Small Business Travel & Health Association (NSBTHA), all four plans also include certain emergency assistance services (these are not insurance benefits) that are also available while traveler is on a trip, such as:

• Emergency Travel Arrangements
• Lost Passport/Travel Documents Assistance
• Lost Luggage Assistance
• Embassy or Consulate Referral
• Emergency Message Relay
• Emergency Prescription Replacement
• Medical Referral
• 24-Hour Medical Monitoring
• Emergency Cash Transfer
• Legal Referrals
• Emergency Translations

Upon our acceptance of the insured's application and payment of the full program cost, coverage for the trip cancellation benefit begins at 12:01 a.m. on the day after we receive the insured's application. Coverage for all other benefits (Trip Interruption, Baggage, Travel Delay, Baggage Delay, etc.) begins on the scheduled date and time the insured begins the covered trip.

Coverage ends the earliest of:

1. Arrival at the place to which the insured is scheduled to return from a covered trip;
2. The date the insured is scheduled to arrive at the place to which the insured is scheduled to return from a covered trip;
3. The 30th consecutive day after the date the insured is scheduled to begin the covered trip (61 days with the Elite plan); or
4. Cancellation of the covered trip.

A "covered trip" means any travel and sojourn to a scheduled destination that is more than 120 miles from the starting point and not exceeding 30 consecutive days. The number of cities or countries visited during any trip is irrelevant.

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The insured would have coverage for the first 30 consecutive days of a trip in which travel and sojourn is to a scheduled destination more than 120 miles from the starting point. Coverage would end at 12:01 a.m. on the 31^st day of the insured's trip.

An insured should select the amount of the trip cancellation benefit needed to protect the cost of the trip. The maximum amount that may be selected for any one trip depends on the certificate type purchased. Under the Lite, Standard, and Deluxe Insurance Programs, the maximum trip cancellation benefit for any one trip is $25,000 per person. For the Elite program the maximum benefit is $30,000.

An insured cannot obtain a refund if he/she didn't have a loss. Once the insured pays the program cost and the insurance company accepts the payment, a "binding" contract is formed. In exchange for payment, the insurance company issues a promise to pay any and all valid claims. However, you can cancel your policy for any reason up to 10 days following purchase as long as you have not left on your trip or filed a claim.

All tickets purchased will be considered, and benefits will be paid under the terms of the insurance policy for non-refundable, unused payments and deposits not to exceed the lesser of the total trip protection purchased, or the maximum benefit shown on the Schedule of Benefits.

Only incidents that occur after your policy is in effect are considered. Insurance does not cover events that are no longer unexpected or unforeseeable. If you were to purchase an iTravelInsured program after learning that a family member is sick, and this event causes you to cancel your trip, no trip cancellation benefits would be payable under the terms of the policy.

You do not have to leave your country or cross international boundaries; simply travel to a destination at least 120 miles from your starting point for which you have purchased: (i) a ticket on board a common carrier, or (ii) a hotel room, or (iii) a ticket for admission to any event.

Benefits for emergency illness, injury or death that is a result of a pre-existing condition will be considered as long as:

1. The insured is medically able to travel on the date coverage is purchased, and
2. (a) An injury or illness has not manifested itself during the 60 days immediately before the purchase of the iTravelInsured program or,

Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and note all state exceptions.

Yes, the pre-existing condition exclusion is waived if all the following conditions are met (Deluxe and Elite plans only):

1. Coverage is purchased within 15 days after the date the initial trip deposit was paid to the travel supplier, and,
2. The insured is medically able to travel on the date the coverage is purchased.

• Emergency illness, injury or death to You, A Family Member, A Business Partner, A Travel Companion, or A Travel Companion's Family Member
• Financial default of a travel supplier
• A terrorist incident
• Organized labor strike, natural disasters or bad weather resulting in the complete cessation of services by a travel supplier for at least 24 consecutive hours
• Medical quarantine
• Jury duty
• Home made uninhabitable by fire, windstorm, vandalism or flood
• Traffic accident on the way to a departure point
• Revoked leave for active duty military, police or fire fighters
• Job termination or layoff

Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and note all state exceptions that may apply.

The coverage is exactly the same as the trip cancellation benefit, except that it applies to these covered events only when they occur during the covered trip. The insured is reimbursed for the non-refundable, unused payments and deposits because he or she could not finish the trip.

This benefit pays for the purchase of emergency toiletries and clothing when an insured's checked luggage is lost or delayed by the airline or other common carrier for 24 hours or more.

If an insured becomes ill, injured or hospitalized during a trip, this benefit reimburses any covered, eligible medical expense not covered by any other health, credit card or other travel insurance. There is no deductible under this benefit.

There are some limits and exclusions for certain types of expenses, medical services or medical conditions or illnesses. Please review the policy carefully.

This benefit does not apply to the Lite Plan.
 

This benefit covers authorized medical evacuations to the nearest appropriate hospital from where the insured became ill or injured, provided there is no qualified facility or doctor available at the place of illness or injury. This benefit also covers medical repatriation when the attending doctor and our doctor agree that the insured would be medically better off by transferring to another medical facility closer to home. Should an insured die on a trip, this benefit also pays to bring the remains home.  This benefit does not apply to the Lite Plan.
 

This benefit covers for loss of life, limb or sight that is a direct result of a covered accident that occurs during a trip while the insured is entering, onboard or exiting a licensed common carrier or conveyance, such as an airplane, a bus, a train, a ship or a taxi. The carrier or conveyance must be available for public use and licensed by the government authority under which the carrier operates.  This benefit does not apply to the Lite Plan.
 

An accident means an unexpected, unintended, unforeseeable event causing injury or loss of life. It must occur during the policy period while the insured is traveling on a trip.

Yes, the policy contains a section titled "Services Not Provided." Please read this section carefully for a full explanation. Some of the exclusions listed are:

• Injury, illness or death as a result of a war or an act of war
• Riding or flying in any flying device other than a licensed commercial common carrier aircraft
• Serving in one of the armed forces of any country or international authority
• Intentionally self-inflicted injuries, suicide or attempts or actual violations of the law
• Injuries or illnesses that result from being under the influence of any drugs or narcotics, unless administered or prescribed by a licensed doctor
• Emotional, mental or nervous disorders
• Injuries from parachuting, hang gliding, parasailing, hot air ballooning, scuba diving below 135 feet or without proper dive training and certification from a professional organization, rock or mountain climbing, or hunting
• Expenses for dental treatment due to normal maintenance or wear and tear
• Injury or illness from participation in any scheduled athletic event
• Traveling against the advice of a physician
• Pregnancy or childbirth when you are scheduled to give birth within two months from the date of a covered trip

No, travel insurance does not provide coverage for cancellation or interruption of a covered trip if an earthquake renders your home uninhabitable.

Contact our 24/7 Emergency Assistance number and advise them of what happened. They will assist you in contacting the nearest  Embassy or Consulate so you can obtain a new passport to continue your trip.

If a traveler needs help with any travel emergency (from a lost passport to the need for medical care), please call one of the following numbers as soon as possible:

• 1 (866) 243-7524
• If calling from overseas: 01-317-655-9798

Travel assistance is available to travelers 24 hours a day, every day of the year, wherever they are in the world.