Questions
  1. What benefits are included in an iTravelInsured program?
  2. When does insurance coverage begin?
  3. When does coverage end?
  4. What is a "covered trip"?
  5. What is a trip is longer than 30 days?
  6. What is the amount of the trip cancellation benefit?
  7. If an insured's trip is cancelled 35 days after purchasing an iTravelInsured program insurance and the insured receives a full refund from the travel supplier, can the insured get a refund of cost of the program?
  8. If a trip is cancelled or interrupted, will the insured be reimbursed for all tickets purchased for a trip, including those that may have been purchased after purchasing an iTravelInsured program?
  9. Can I buy travel insurance after an incident has occurred?
  10. Do I have to travel abroad to be covered?
  11. Are pre-existing medical conditions excluded from coverage?
  12. Can the pre-existing condition exclusion be waived?
  13. What events are covered under the trip cancellation benefit?
  14. What events are covered under the trip interruption benefit? (Not available on Single Trip Lite)
  15. What does the travel delay benefit cover?
  16. What does baggage delay cover?
  17. Is loss of baggage covered? (Not available on Single Trip Lite)
  18. What is covered by Emergency Medical / Dental Expense benefit? (Not available on Single Trip Lite)
  19. What does Emergency Medical Transportation cover? (Not available on Single Trip Lite)
  20. What is Common Carrier AD&D? (Not available on Single Trip Lite)
  21. What is considered an accident?
  22. Are there any coverage exclusions?
  23. Would I have coverage in the event of an earthquake?
  24. I am abroad and have lost my passport. What do I do?
  25. How can a traveler get assistance on a trip?
Scenarios
Answers to Questions
     
  1. What benefits are included in an iTravelIinsured program?
  2. (Back)

    The Picture Perfect and Elite Plans provides the following benefits:

    • Trip Cancellation
    • Trip Interruption
    • Travel Delay
    • 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 delay, and baggage delay only

    As a benefit of membership in the National Small Business Travel & Health Association (NSBTHA), all three 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


     
  3. When does insurance coverage begin?
  4. (Back)

    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 applcation. 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.


     
  5. When does coverage end?
  6. (Back)

    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; or
    4. Cancellation of the covered trip.


     
  7. What is a "covered trip"?
  8. (Back)

    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.


     
  9. What if a trip is longer than 30 days?
  10. (Back)

    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 31st day of the insured's trip.


     
  11. What is the amount of the trip cancellation benefit?
  12. (Back)

    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, Picture Perfect, and Elite Insurance Programs, the maximum trip cancellation benefit for any one trip is $20,000 per person.


     
  13. If an insured's trip is cancelled 35 days after purchasing an iTravelInsured program and the insured receives a full refund from the travel supplier, can the insured get a refund of the cost of the program?
  14. (Back)

    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.


     
  15. If a trip is cancelled or interrupted, will the insured be reimbursed for all tickets purchased for the trip, including those that may have been purchased after purchasing an iTravelInsured Program?
  16. (Back)

    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. Note: The trip interruption benefit does NOT apply to the Lite Plan.


     
  17. Can I buy travel insurance after an incident has occurred?
  18. (Back)

    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.


     
  19. Do I have to travel abroad to be covered?
  20. (Back)

    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.


     
  21. Are pre-existing medical conditions excluded from coverage?
  22. (Back)

    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.


     
  23. Can the pre-existing condition exclusion be waived?
  24. (Back)

    Yes, the pre-existing condition exclusion is waived if all the following conditions are met:

    1. Coverage is purchased within 14 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.

     
  25. What events are covered under the trip cancellation benefit?
  26. (Back)

    • 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.


     
  27. What events are covered under the trip interruption benefit?
  28. (Back)

    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.

    Trip interruption coverage is not available with the Lite Plan.


     
  29. What does the travel delay benefit cover?
  30. (Back)

    This benefit reimburses up to $100 per 24-hour period for reasonable additional accommodations and travel expenses incurred because of a travel delay of at least 24 hours that results from:

    • Travel supplier delay
    • Lost or stolen passport, travel documents or money
    • Medical quarantine
    • Natural disaster
    • Injury or illness of the insured or a travel companion

     
  31. What does baggage delay cover?
  32. (Back)

    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.


     
  33. Is loss of baggage covered?
  34. (Back)

    Baggage is covered for up to $1,000 per insured with the Picture Perfect plan, up to $2000 with the Elite Plan. There is a maximum benefit of $500 for the first item and thereafter no more than $250 per item. Baggage must be checked or stored with a common carrier, hotel or motel in which the insured is registered as a passenger or guest. This benefit does not apply to the Lite Plan.


     
  35. What is covered by Emergency Medical / Dental Expense benefit?
  36. (Back)

    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.
     

  37. What does Emergency Medical Transportation cover?
  38. (Back)

    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.
     

  39. What is Common Carrier AD&D?
  40. (Back)

    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.
     

  41. What is considered an accident?
  42. (Back)

    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.


     
  43. Are there any coverage exclusions?
  44. (Back)

    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

     
  45. Would I have coverage in the event of an earthquake?
  46. (Back)

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


     
  47. I am abroad and have lost my passport. What should I do?
  48. (Back)

    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.


     
  49. How can a traveler get assistance on a trip?
  50. (Back)

    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.


Answers to Scenarios
     
  • Bad weather caused the airport to shut down. I was unable to get to the cruise port in time and had to join the cruise at the next port of call. Is this covered?
  • (Back)

    Yes, any delay of 6 or more hours due to bad weather activates the Travel Delay benefit that allows the insured to use up to $500 to catch up to the cruise as soon as possible.


     
  • I was just informed that my departing flight will be unable to take off because of a severe snowstorm. How does an iTravelInsured program help me?
  • (Back)

    There are two benefits in the policy that offer coverage depending on the length and extent of the delay due to the snowstorm.  The Travel Delay benefit will pay for additional reasonable travel expenses that are incurred when your trip has been delayed for 24 hours or more due to bad weather.  Or, if the delay is 6 hours or more, the travel delay benefit will allow you to use up to $500 to pay for additional transportation costs to help catch up to your covered trip because your airline flight was delayed for 6 hours or more or was cancelled and no other flight alternatives are available.  The delay has to be directly related to the bad weather.  If the snowstorm causes a complete cessation of services for all airlines out of Chicago to your destination in Miami for at least 24 hours or more, you have the option of exercising the trip cancellation/interruption benefit should the snowstorm cause you to cancel your trip.


     
  • My mother is not going on vacation with us. Recently she was diagnosed with cancer. If she is hospitalized, does the pre-existing condition exclusion apply to her?
  • (Back)

    No, the pre-existing condition exclusion applies only to insured travelers.  It does not apply to non-traveling family members.


     
  • If my mother is hospitalized, and I cancel my trip to visit her in the hospital, is this covered under the trip cancellation benefit?
  • (Back)

    If your mother requires your care, and she was hospitalized after you purchased the travel insurance, then you are eligible for the trip cancellation benefit.


     
  • I've been diagnosed with a terminal illness and want to take one last trip. My doctor says I have anywhere from 6 months to 2 years to live. I'm 52 and I want to purchase travel insurance when I make my trip deposit. Will I be covered for trip cancellation if I become to ill to travel before my trip?
  • (Back)

    There is no coverage for potentially fatal conditions which were diagnosed before the date coverage became effective.  This exclusion is separate from the pre-existing condition exclusion and cannot be waived by purchasing the coverage within 14 days of your initial trip deposit.  If you cancel for an illness or injury unrelated to your terminal illness, there may be coverage for a cancellation of a trip.


     
  • Members of our group are going on a tour to Europe. We have about 25 people traveling in the group. If one of the group members becomes ill, can the entire group cancel?
  • (Back)

    An insured who wants to cancel because a travel companion became ill must share sleeping quarters and be cross-referenced in a travel supplier reservation system with the ill travel companion in order to become eligible for coverage.


     
  • I am planning a resort trip to the Cayman Islands during hurricane season. Am I covered if I cancel my trip for fear a hurricane might strike the island?
  • (Back)

    Fear that a hurricane may strike the Cayman Islands is not a covered reason that would activate the trip cancellation/interruption benefit.  In order to cancel for "bad weather," the resort must completely be shut down and offer no services for at least 24 hours.