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Travel insurance is very important!

Nobody 'plans' on having to cancel their cruise but sometimes life 'happens'. Can you afford to lose all the money you paid? We don't buckle our seatbelt only when we think we may have an accident. We do it all the time because you just don't know what is coming around the corner.

The worst case scenario would be having to cancel your cruise within a week of departure where the cruise line penalty is 100%. Insurance would reimburse you for the loss even if it isn't due to your illness or to one of your travelling companions. This policy also covers military members that cancel due to re-deployment or revocation of leave.

1
What benefits are included in an iTravelInsured program?
2
When does insurance coverage begin?
3
When does coverage end?
4
What is a ďcovered tripĒ?
5
What if a trip is longer than 31 days?
6
What is the amount of the Trip Cancellation benefit?
7
If an insuredís 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?
8
If a trip is cancelled or interrupted, will the insured be reimbursed for all travel expenses paid 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 perils are covered under the trip cancellation benefit?
14
What events are covered under the trip interruption benefit?
15
What does the Travel Delay benefit cover?
16
What does the Missed Connection benefit cover?
17
What does baggage delay cover?
18
Is loss of baggage covered?
19
What is covered by Emergency Medical / Dental Expense benefit?
20
What does Emergency Medical Evacuation / Repatriation benefit cover?
21
What is Common Carrier AD&D?
22
What is considered an accident?
23
Are there any coverage exclusions?
24
Would I have coverage in the event of an earthquake?
25
I am abroad and I have lost my passport, what do I do?
26
How can a traveler get assistance while on a trip?
27
I have been diagnosed with a terminal illness and want to take one last cruise. My doctor says I have anywhere from 6 to 24 months to live. Iím 52 and I want to purchase travel insurance when I make my trip arrangements. Will I be covered for trip cancellation if I become too ill to travel before my trip?
28
I suffer from claustrophobia and depression. If I cancel my trip due to a severe bout of depression is this covered?
29
Members of our church are going on a tour to view historical churches located in Europe. We have 25 people traveling in the group. If one of the group members becomes ill, can the entire group cancel?
30
I am planning a resort trip to the Grand Cayman Islands during hurricane season. Am I covered if I cancel my trip for fear a hurricane might strike the island?
Answers to Questions
1
What benefits are included in an iTravelInsured program?(Back)

The Standard, Deluxe & Elite Protection programs 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 Protection program provides the following benefits:

  • Trip Cancellation
  • Trip Interruption
  • Travel Delay
  • Missed Connection
  • As a benefit

    As a benefit of membership in the National Small Business Travel & Health Association (NSBTHA), certain emergency assistance services (these are not insurance benefits) are available while a 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
2
When does insurance coverage begin?(Back)

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

3
When does coverage end?(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 32nd consecutive day after the date the insured is scheduled to begin the covered trip; or
  4. Cancellation of the covered trip.
4
What is a ďcovered tripĒ?(Back)

A ďcovered tripĒ means any travel and sojourn to a scheduled destination that is more than 120 miles from the starting point and not exceeding 31 consecutive days. The number of cities or countries visited during any trip is irrelevant.

5
What if a trip is longer than 31 days?(Back)

The insured would have coverage for the first 31 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 32nd day of the insuredís trip. Contact iTravelInsured to inquire about possible insurance for trips longer than 31 days.

6
What is the amount of the Trip Cancellation benefit?(Back)

An insured should select the amount of the Trip Cancellation benefit needed to protect the amount paid for their trip that they would lose if they cancel prior to the departure date. The maximum amount that may be purchased by any one traveler also depends upon the program type selected and ranges from $10,000 to $30,000.

7
If an insuredís 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?(Back)

An insured cannot obtain a refund of the insurance premium if it is requested more than 10 days after they received the policy. Once the insured pays the program cost and the insurance company accepts that premium, a ďbindingĒ contract is formed. In exchange for payment, the insurance company issues a promise to pay any and all valid claims. A full refund is provided if you cancel the insurance within 10 days of receipt, you have not filed a claim and return the certificate.

8
If a trip is cancelled or interrupted, will the insured be reimbursed for all travel expenses paid for a trip, including those that may have been purchased after purchasing an iTravelInsured program?(Back)

All travel 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 total trip protection purchased.

9
Can I buy travel insurance after an incident has occurred?(Back)

Only incidents that occur after your policy is in effect are considered. Insurance does not cover events that are no longer unexpected or unforeseen. Therefore, if you were to purchase an iTravelInsured program after learning that a hurricane warning has been issued for your travel destination and the hurricane damages your resort and causes you to cancel your trip, no trip cancellation benefits would be payable under the terms of the policy.

10
Do I have to travel abroad to be covered?(Back)

You do not have to leave your country or cross international boundaries; you must (i) travel to a destination at least 120 miles from your primary residence, or (ii) depart to a location where you own a ticket to board a common carrier, or (iii) you have reserved lodging in a different city than your place of residence.

11
Are pre-existing medical conditions excluded from coverage?(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 day travel insurance coverage is purchased;
  2. An injury or illness has not manifested itself during the 60 days immediately before the purchase of the iTravelInsured program; and
  3. The condition has been controlled through the taking of prescription drugs or medication and remains controlled throughout the 60 day period and there has been no change in the prescription medication or the dosage. 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.
12
Can the pre-existing condition exclusion be waived?(Back)

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

  1. Coverage is purchased within 15 days after the date the initial deposit for the covered trip was paid to the travel supplier, and
  2. The insured is medically able to travel on the date coverage is purchased.
13
What perils are covered under the trip cancellation benefit? (Back)
  1. Emergency illness, injury or death to you, a family member, a travel companion, a travel companionís family member, or a business partner
  2. Financial default of a travel supplier if you purchase coverage within 15 days of Your initial payment or deposit for the Covered Trip
  3. A Terrorist Incident
  4. Organized labor strike
  5. Natural Disaster resulting in the complete cessation of services by a Travel Supplier for at least 24 consecutive hours
  6. You or a Travel Companion are hijacked
  7. You or a Travel Companion are detained for 24 hours or more under a medical quarantine order by a national governmental health authority
  8. You or a travel companion are summoned to serve on a jury or served with a subpoena which mandates your appearance in Court during the time period of Your Covered Trip
  9. Your home or the home of a travel companion is made uninhabitable by fire, vandalism or a natural disaster
  10. An automobile accident directly involving You or a Travel Companion, substantiated by a police report, while enroute to a departure point for the Covered Trip
  11. A documented theft of Your passport or visa that prevents You from going on Your Covered Trip
  12. You or a Travel Companion serving on active or reserve military duty in the US Armed Forces, or serving as an active duty police officer or fire fighter, whose personal leave is revoked to provide aid or relief in the event of a Natural Disaster or a terrorist act
  13. Employer termination or layoff of You, Your Spouse, Your Travel Companion or Your Travel Companionís Spouse. You must have been employed with the same employer for at least one year, and You must have worked at least 30 hours per week
  14. The Deluxe and Elite plans have additional perils that are not listed here. Please refer to the insurance certificate or contact Agency Services for a description of the additional coverage.

    *Complete details of coverage, terms, limitations and exclusions that may affect benefits are summarized in the certificate. Please read the certificate carefully and note all state exceptions that may apply.
14
What events are covered under the trip interruption benefit? (Back)

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

15
What does the Travel Delay benefit cover?(Back)

Provides a daily benefit, up to a maximum benefit after a specified period for reasonable additional traveling expenses incurred because of a travel delay of a specified number of hours that results from:

  • Travel Supplier delay;
  • Lost or stolen passport, travel documents or money;
  • Medical quarantine;
  • Natural Disaster; or
  • injury or emergency illness of the insured or a travel Companion
16
What does the Missed Connection benefit cover?(Back)

If, while on a Covered Trip, You miss a scheduled Common Carrier departure resulting from a cancellation or delay for a specified period of time due to:

  • Inclement weather
  • Natural Disaster
  • Travel Supplier delay
  • Natural Disaster; or

You receive a benefit specified in the Schedule of Benefits for:

  1. Additional transportation expenses incurred by You to join the departed Covered Trip; or
  2. Pre-paid, non-refundable trip payments for the unused portion of the Covered Trip. This benefit does not apply when You are traveling to Your Return Destination
17
What does baggage delay cover? (Back)

This benefit reimburses a specified amount for the purchase of emergency toiletries and clothing when an insuredís checked luggage is lost or delayed by the airline or other common carrier for 24 hours or more.

18
Is loss of baggage covered? (Back)

Checked or stored baggage and personal possessions are covered up to a specified amount. There is a maximum benefit of $500 for the first item and thereafter no more than $250 per item. Baggage must be lost or damaged while in the possession of a common carrier or stored within a hotel or motel in which the insured is registered as a guest.

19
What is covered by Emergency Medical / Dental Expense benefit? (Back)

If an Insured person sustains an emergency illness or injury during a covered trip and receives initial treatment during the trip, this benefit reimburses any covered, necessary and reasonable expenses for medical surgical and emergency dental treatment incurred during the covered trip and not covered by any other coverage. There is no deductible under this benefit.

If there is other medical or dental insurance we will coordinate benefits so that each insurer pays their covered amounts. There are some limits and exclusions for certain types of expenses, medical services or medical conditions or illnesses. Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and not all state exceptions that may apply.

20
What does Emergency Medical Evacuation / Repatriation benefit cover?(Back)

This benefit covers authorized medical evacuations to the nearest, appropriate hospital from where the insured became ill or injured providing there is no qualified facility or doctor available at the place of emergency 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.

Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and not all state exceptions that may apply

21
What is Common Carrier AD&D? (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 from a licensed common carrier (such as an airplane, a bus, a train, a ship, or a taxi) licensed for the transportation of passengers for hire.

Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and not all state exceptions that may apply.

22
What is considered an accident?(Back)

An accident means an unexpected and unforeseen event or incident, including a Terrorist Incident. Certain terms are defined in the travel insurance certificate. Please read the certificate carefully to ensure your understanding of the coverage.

23
Are there any coverage exclusions?(Back)

There is no coverage for loss caused by or as a result of:

  • Intentionally self-inflicted harm, suicide or attempted suicide
  • Pregnancy, fertility treatments, childbirth or elective abortion, other than unforeseen complications of pregnancy
  • Mental, Nervous or Psychological disorders or physical complications related thereto of You, a Family Member, a Travel Companion or a Travel Companionís Family Member
  • You being under the influence of intoxicating liquor or drugs (other than as prescribed directly by a Physician
  • War (declared or undeclared), act of war, military duty (unless specifically covered), or voluntary participation in a Civil Disorder or unrest
  • Participation in Professional or Amateur Athletics (including training)
  • Participation in any sporting, recreational or adventure activity where such activity is undertaken against the advice or direction of local authorities or any qualified instructor or contrary to the rules, regulations, recommendations and procedures of the recognized governing body of the area where such activity takes place
  • All extreme, high risk sports including but not limited to: bodily contact sports, skydiving, hang gliding, bungee jumping,parachuting, mountain climbing or other high altitude activities, caving, heli-skiing, extreme skiing or any skiing outside marked trails
  • Scuba diving (unless accompanied by a dive master and not deeper than 130 feet).
  • Operating or learning to operate any aircraft as pilot or crew
  • Nuclear reaction, radiation or radioactive contamination
  • Intentionally self-inflicted harm, suicide or attempted suicide
  • Natural Disasters (unless specifically covered)
  • Epidemic
  • Pollution or threat of pollutant release
  • Commission of a violation of law by You, a Family Member, a Travel Companion or a Travel Companionís Family Member whether they are Insured or not, including, without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations
  • Any known, expected or reasonably foreseeable events or conditions that would cause a loss or claim under this Certificate
  • Financial Default (except as specifically covered herein)
  • Pre-existing conditions applying to Trip Cancellation and Trip Interruption (except as specifically covered herein)
  • This program does not cover You
    a. If the purpose of travel is to receive medical care, medication or Treatment;
    b. If the Travel Supplierís tickets do no indicate the travel dates;
    c. If You give incorrect data or facts; or
    d. If the loss is not submitted to Us within 90 days from the date of loss, except as otherwise prohibited by law
Complete details of coverage exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and note all exclusions and state exceptions that may apply.
24
Would I have coverage in the event of an earthquake?(Back)

An earthquake is considered a Natural Disaster. ďNatural DisasterĒ means a flood, mudslide, hurricane, tornado, earthquake, volcanic eruption, wildfire or blizzard that is due to natural causes

25
I am abroad and I have lost my passport, what do I do?(Back)

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

26
How can a traveler get assistance while on a trip?(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
001 (317) 655-9798 outside North America

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

27
I have been diagnosed with a terminal illness and want to take one last cruise. My doctor says I have anywhere from 6 to 24 months to live. Iím 52 and I want to purchase travel insurance when I make my trip arrangements. Will I be covered for trip cancellation if I become too ill to travel before my trip?(Back)

There is no coverage for any known, expected or reasonably foreseeable event or condition that would cause a loss or claim. You should discuss your travel plans and your condition with Your attending physician, read and understand the insurance terms and conditions prior to the purchase of a travel insurance plan. You can also contact iTravelInsuredís Agency Services with any questions you have about coverage.

28
I suffer from claustrophobia and depression. If I cancel my trip due to a severe bout of depression is this covered?(Back)

There is no coverage for any mental, nervous or psychological disorder or physical complications related thereto

29
Members of our church are going on a tour to view historical churches located in Europe. We have 25 people traveling in the group. If one of the group members becomes ill, can the entire group cancel? (Back)

The trip cancellation benefit provides coverage in the event of a travel companionís emergency illness. An insured who wants to cancel because a travel companion became ill must share the same room or cabin as the ill travel companion in order to become eligible for coverage.

30
I am planning a resort trip to the Grand Cayman Islands during hurricane season. Am I covered if I cancel my trip for fear a hurricane might strike the island?(Back)

Fear that something might happen is not an event covered under the trip cancellation benefit. An actual physical incident must occur that causes damage or affects travel to your destination as defined in the insurance terms and conditions.

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