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Frequently Asked Questions
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Q. What is the pre-existing condition waiver and how can I qualify?
A. If insurance is purchased within 14 days of your initial
trip payment, the Pre-Existing Medical Condition Exclusion will be waived. This
is applicable to all coverage contained in the policy. You must be medically
able to travel when you pay your plan cost. In the event a claim is filed, the
injury or illness must be substantiated to our Claims Department.
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Q. Does everyone need to purchase the insurance?
A. Our plan is sold on a per person basis. Each person only
needs to cover their own trip arrangements.
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Q. What does this plan cover for cancellation?
A. The plan covers if you have an unforeseen sickness, injury
or death of yourself, a family member, traveling companion, or Business
Partner. The policy also covers for inclement weather, your principal residence
made uninhabitable, jury duty, traffic accidents while en-route to departure or
an unannounced strike at the point of departure or destination.
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Q. Can you cancel your trip for any reason?
A. Only certain unforeseen circumstances would be covered. A
list of these circumstances is included in the Description of Coverage.
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Q. What happens if someone not traveling becomes ill or passes away? Is
this covered?
A. An illness or death of a family member not traveling with
you would be covered, however, the same pre-existing clause would apply. The
definition of a family member is included in the Description of Coverage.
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Q. When does the coverage begin?
A. The coverage for Trip Cancellation begins at 12:01 am the
day after the premium is submitted. All other benefits and services become
effective the date and time you start your trip.
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Q. How do I file a claim?
A. Call Trip Mate toll-free at 1-800-888-7292.
A representative will review and complete a claim form for you over the phone
and explain what needs to be provided in order to pay your claim. The form will
then be faxed or mailed to you for signature and to provide the appropriate
documents.
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