- Trip Cancellation & Interruption: Covers the trip investment if the trip is cancelled or interrupted for covered reasons such as sickness, injury or death of guest, guest traveling companion or family member; severe weather; jury duty or if the property is made uninhabitable.
- Travel Delay: Reimburses for reasonable additional expenses if delayed for 12 hours due to covered reasons.
- Baggage Delay: If a guest's baggage is delayed for more than 24 hours, they will be reimbursed for the purchase of essential items.
- Medical Expense: Covers emergency medical expenses incurred while traveling; includes emergency dental treatment.
- Emergency Medical Transportation: Covers emergency evacuation and transportation to the nearest adequate medical facility (home in the event of death or if medically required) as well as an escort if deemed necessary.
- 24-Hour Worldwide Emergency Assistance: 24-hour emergency telephone assistance hotline provided by Travel Guard to help with travel-related emergencies ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring.
Frequently Asked Questions:
Q. Are the benefits listed per guest or per booking?
A. The benefits listed are the total per booking. For example if the guest purchased travel insurance coverage for a trip costing a total of $2,000, this would be the maximum reimbursement allowable under trip cancellation or interruption for that booking.
Q. Will a guest's current homeowners, renters, credit card, or health insurance policies cover them during their trip?
A. Other insurance policies may not offer coverage while traveling due to benefit limits, territory restrictions, and deductibles. Most people don't have any insurance coverage at all if they must cancel their trip. This travel insurance plan has a wide range of travel benefits, which credit card, homeowners, and renter's insurance policies most likely do not offer. The medical coverage included in the travel insurance plan is especially beneficial for people whose health insurance policies do not pay for covered medical expenses incurred outside of the United States (e.g., Medicare, certain HMO's, etc.).
Q. Does the plan cover pre-existing medical conditions?
A. Even if a guest has a pre-existing medical condition they should still consider purchasing the travel insurance plan because we will waive the Pre-Existing Condition exclusion if they are enrolling in the plan and pay for it with the initial deposit. So long as they are medically able to travel at time of purchase, waiving the Pre-Existing Condition exclusion is the easiest way to alleviate doubt as to coverage for chronic medical conditions. There are some conditions that are not covered by the policy such as anxiety-related mental or nervous disorders. Please see the Exclusions section of the Description of Coverage to view the exclusions and the conditions not covered.
Q. One of the reasons listed under trip cancellation is "unforeseen sickness, injury or death of a guest or immediate family member". What is the definition of an immediate family member?
A. The family member definition includes: spouse, Domestic Partner, child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, or legal ward.
Q. What if a guest needs transportation due to medical reasons and they are unable to get prior authorization from the Travel Guard Assist service?
A. We always instruct guests to contact local medical services during an emergency for immediate medical attention, or evacuation if necessary, and then notify AIG Travel Guard as soon as is reasonably possible. Payment arrangements for evacuation will depend on the nature of the particular situation and should be discussed with AIG Travel Guard.
Q. Is there help while on vacation?
A. One of the valued services offered along with the insurance is the 24-Hour Emergency Assistance Service. AIG Travel Guard is a leader in this field. With Travel Guard Assist, guests have access to the services of a highly trained, multi-lingual staff around the clock to assist with such emergencies as cash transfers, lost documents, medical or legal monitoring, or referrals. They are also equipped to respond in many unexpected circumstances.
If an emergency should arise during a trip, guests should call Travel Guard Assist immediately and give the details of their problem or medical emergency.
Q. Where can a guest call for more information?
A. Guests may call AIG Travel Guard, the plan administrator at 1.888.409.7749, with any questions regarding the travel insurance. Their service representatives will be happy to assist them.
Q. When is the latest the insurance can be purchased?
A. This insurance can be purchased up until the final trip payment is made or 30 days prior to arrival, whichever comes first.
Q. How do guests file a claim?
A. In the event of a claim, guests should notify AIG Travel Guard, the plan administrator at 1.888.409.7749 and refer to product number 008085 or if they are out of the United States, call collect at 1-715-295.5452.
* Non-insurance services are provided by Travel Guard.
