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Optional Trip Insurance

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Trip Cancellation & Interruption
Trip Cancellation and Interruption pays for forfeited, non-refundable, unused payments or deposits if due to:
  • You or your Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, which occurs more than 14 days after your effective date of coverage, provided that you have been an active employee for the same employer for at least three years. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self employed persons.
  • Strike, resulting in the complete cessation of travel services at the point of departure or destination
  • Unforeseen sickness, injury, or death of the Insured, a Traveling Companion or Family Member. (Certain exclusions apply.)
  • Weather conditions causing delay or cancellation of travel.
  • Your home being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster.
  • Your being subpoenaed, required to serve on jury duty, hijacked, or quarantined.
  • Being involved in or delayed due to a traffic accident en route to departure.
Reasons not covered:
  • Carrier-caused delays such as mechanical difficulties (covered under Travel Delay).
  • Travel arrangements cancelled by the tour operator, airline, or cruise line.
  • Change in plans ("I just don't want to go.").
  • Normal pregnancy or childbirth.
  • Financial circumstances ("I can't afford to go.").
  • Business or contractual obligations ("My boss changed my vacation.").
  • Any government regulation or prohibition, war, civil disorder, nuclear reaction, or contamination.
$500 Travel Delay
Reimburses up to $100 a day for additional accommodations and traveling expenses if delayed for 12 hours due to:
  • Carrier delay such as mechanical difficulties or weather.
  • Lost passport, money, or travel documents.
  • Natural disaster.
  • Injury or sickness of the Insured or Traveling Companion.
500 Missed Connection
Reimburses up to the Maximum Benefit shown on the Schedule of Benefits if delayed for three to less than twelve hours to your point of departure due to:
  • Inclement weather
  • Common carrier causes cancellation or delay of all regularly scheduled airline flights.
$1000 Baggage & Travel Documents
  • Reimburses for loss, theft, damage, and mysterious disappearance of baggage and personal effects.
  • Primary coverage - no need to present a claim to another carrier such as Homeowner's.
  • Covers loss due to unauthorized use of credit cards if the Insured has complied with credit card conditions.
  • Pays for administrative fees to reissue lost or stolen tickets.
  • Coverage for cameras, musical instruments, breakage of brittle or fragile articles, and golf and scuba equipment.
$100 Baggage Delay
  • Reimburses for the purchase of essential items if bags are delayed for more than 24 hours.
$25,000 Medical Expenses
  • No daily limits or deductibles.
  • Pays for doctor, hospital, ambulance services, and prosthetic devices. Initial treatment must be received during trip. We will pay for covered expenses for up to one year from date of injury/sickness.
  • Pays for emergency dental expenses during the trip.
$100,000 Emergency Medical Transportation
  • Evacuation to nearest adequate medical facility.
  • Medical escort.
  • Transportation of remains upon death.
$25,000 Accidental Death & Dismemberment
Covers death and loss of limb or eyesight within 180 days of all accidents.
Travel Insurance® Assist*
This is a service benefit.
  • Advancement of funds to cover on-site medical expenses.
  • Telephone interpretation services in major languages.
  • Replacement of lost passport and other incidentals as may be required.
  • Assistance to locate local physicians, dentists, or medical facilities.
  • Professionals will monitor the Insured's condition and contact their personal physician.
  • Evacuation to a hospital, treatment facility, or back home.
  • 24-hour emergency hotline.
24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more! Call 1-800-826-8597 for assistance.
Live Messaging*
Relay of e-mail or phone message to family, friends or business associates.
Emergency Cash Transfer*
Assistance in coordinating an emergency cash advance.
Pre-Trip Travel Advice*
Around-the-clock access to passport, visa, inoculation and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information - all for your planned destination.

*Non-Insurance services are provided by Travel Insurance Assist
Optional Coverage

$25,000 Primary Collision Damage Waiver
  • Collision and comprehensive coverage for any damage that the car rental contract holds the Insured responsible for.
  • No deductibles.

We will not pay for loss or expense incurred as the result of injury or Sickness of an Insured or Family Member which manifests itself during the 60 days immediately preceding and including the Effective Date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60-day period. A sickness has manifested itself when medical care, treatment, or diagnosis has been given.

Note: The above exclusion will be waived if insurance is purchased within 24 hours of initial trip payment. This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your premium. In the event that a claim is filed, the injury or illness must be substantiated to our Claims Department.

Termination Date: All coverage ends on the earlier of: (a) the date the trip is completed; (b) the scheduled trip completion date: (c) the Insured's arrival at the return destination on a round trip, or the destination on a one-way trip; or (d) cancellation of the trip covered by the policy. The Effective Date is the date the premium is paid.

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39 Avenue at the Common, Suite 200B  (800) 722-0057 
Shrewsbury, NJ 07702
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