Product Plan Overview
Covers US CITIZENS/US RESIDENTS ONLY for Trips within the USA and Abroad COVID-19 EXPENSES are covered and treated as any other sickness Trip Cancellation: Up to a Maximum of $14,000. Maximum Trip Length 90 Days Trip Interruption 150% of Trip Cost Limit Trip Delay Minimum Delay 12 hours; Maximum Limit $600 ($200 per day) Missed Connection (Cruise and Tour Departures) Minimum Delay 3 hours; Maximum Limit $500 Emergency Accident & Sickness Medical Expense $75,000 Medical Evacuation / Repatriation $350,000 Lost Baggage / Personal Effects Maximum $1,000 Baggage Delay (12 hours Outward Journey) Minimum Delay 12 hours; Maximum Limit $200 24-Hour AD&D $10,000 Common Carrier AD&D $25,000 24/7 Non-Insurance Assistance Service- Included Optional: Rental Car Coverage $35,000 Optional Coverage may not available in some states. See brochure for details.
Please review the individual product plan inclusions and information below. Click on any heading and the information will display below.
TRIP CANCELLATION We will reimburse you, up to the maximum benefit shown on the confirmation, for the cost of your airline ticket, the reissue fee charged by the airline for the tickets or your non-refundable airfare cancellation charges for flights joining or departing your Land/Sea Arrangements if cancellation occurs before your scheduled departure date due to unforeseen circumstances such as illness, injury, death, strike, terrorist attack, security breach at the airport or weather. **Please note that the per day rate for 31-90 days on ages 80+ is for PA only.
TRIP INTERRUPTION We will reimburse you, up to the maximum benefit shown on the confirmation of coverage if you or your traveling companion, booked to travel with you, are prevented from continuing or resuming your trip due to unforeseen circumstances such as sickness, accidental injury, death, strike, terrorist attack, mandatory evacuation or weather.
TRIP DELAY We will reimburse you, up to the plan maximum for covered additional expenses on a one-time basis, if you are delayed for 12 or more hours, while in route to or from your trip due to a defined hazard such as delay of Common Carrier, traffic accident, weather, lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, natural disaster, civil commotion or riot.
BAGGAGE DELAY We will reimburse you, up to the Plan maximum for the expense of replacing necessary personal effects if your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours while on your trip.
BAGGAGE/PERSONAL EFFECTS We will reimburse you, up to the Plan maximum for the loss, theft or damage to baggage and personal effects while checked with a Common Carrier during your trip.
MISSED CONNECTION We will reimburse you, up to the Maximum Benefit shown on the Confirmation of Coverage, if you miss your cruise or tour departure, scheduled during your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather. Coverage is secondary to any compensation provided by a Common Carrier.
CANCELLATION FOR REFUND DURING FREE LOOK PERIOD You may cancel this Policy for refund by giving Trawick International notice of cancellation during the free look period. Most states have a 10 day free look period beginning the date the policy was purchased, but the State Certificate ultimately determines the timeframe of the free look period, if any. If the free look period has passed, you may still receive a refund provided you have not filed a claim under this Policy and upon submission of documentation showing proof that the original trip was canceled and fully refunded. Documentation can be submitted to: email@example.com.
When calculating the free look period, the date of purchase is counted as day 1.
If travel has started, the premium is non-refundable.
EMERGENCY EVACUATION & REPATRIATION OF REMAINS We will pay, up to the Plan maximum any reasonable charges for Emergency Medical Evacuation required by a Physician, for a covered injury or sickness, to the closest adequate medical facility using the most direct and economical conveyance and route possible. All evacuations and repatriations must be arranged and authorized by the Assistance Company.
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER The 60 day Pre-Existing Conditions Exclusion found in this Plan is waived if coverage is purchased within 10 days of your initial payment/deposit when you purchase coverage for the full amount of your trip and you are medically able to travel on your effective date.
OPTIONAL RENTAL CAR DAMAGE: We will reimburse you for The cost of repairs and rental charges imposed by the rental company while the car is being repaired or The Actual Cash Value of the car or the Maximum Benefit. An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply. Not covered: Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles; Any Loss that occurs if You are in violation of the rental agreement; Failure to report the Loss to the proper local authorities and the rental car company; Damage to any other vehicle, structure or person as a result of a covered Loss. Not available for residents of NY or TX.