| TRAVEL INSURANCE DEFINITIONS
An Alphabetical Guide
24-hour a day coverage for accidental death & dismemberment, up to the scheduled limit of benefit, from a covered accident.
24-Hour Emergency Assistance
You can access a wide-range of valuable services, through a toll-free (or collect-call) telephone call, 24-hours a day, 7 days a week.
This section contains any miscellanous or additional notes that make this plan unique.
Generally Underwriters provide their coverage to residents of a particular geographic region dependant upon their product filings, i.e., a company in North America might only offer their Plan the residents of the United States, or residents of the US & Canada.
Baggage / Personal Belongings Protection
Reimburses you for lost, stolen, or damaged baggage or personal belongings up to the limits of coverage.
Reimburses you for the purchase of essential items if your bags are delayed for more than a specified period (usually 24 hours).
Common Carrier AD&D
Covers you 24 hours / day when you sustain accidental death or dismemberment on a common carrier (i.e., air plane, train, bus, taxi,)
A deductible is sometimes accessed to a specific benefit or policy. Simply put, the underwriter pays a covered claim, up to the benefit limit, less the applicable deductible.
Description of Coverage
The Description Coverage is the legal Policy or Plan terminology filed by the underwriter, for each benefit. This description includes what is and, just as important too, what is not covered under to Policy or Plan. It is an important reference for you in understanding the limits of your Plan's coverage.
Emergency Dental Expenses
Covers necessary dental expenses, up to the benefit limit, for accidental or acute pain treatment while on your trip.
Emergency Evacuation / Repatriation
Covers approved emergency medical evacuation and transportation to the nearest adequate medical facility, or repatriation of remains should it be necessary, up to the benefit limit. Policies may vary in coverage.
Emergency Medical Expenses
Reimburses, up to the benefit limit, covered accident or sickness medical expenses while on your trip up to one year after the sickness or injury, provided you sought initial medical treatment while on your trip.
Family Plan is a great value for families traveling with children under the age of 16. Children under the age of 16 are covered at no additional cost when accompanied by a covered adult except for Optional Flight Coverage.
Flight / Common Carrier Accident
Covers, up to the benefit limit, for Accidental Death & Dismemberment while traveling on regularly scheduled commercial or charter air transportation. Also covers transportation to and from the airport... and while on the airport premises immediately before and after a flight.
Covers, up to the benefit limit, unforeseen Bankruptcy or Financial Default of a Travel Supplier. Travel Supplier eligibility varies with underwriter.
Itinery Change / Missed Connection
Reimburses you up to an amount per day for additional accommodations or travel expenses if you are delayed for more than a specified period (usually 12 hours).
Length of Coverage
The little known fact is that most plans include up to 30 or 31 days for a set premium, with per day charges to extend the coverage.
An Underwriter is an Insurance company that Underwrites the risk for the Coverage and Benefits of a bundled Plan. An Underwriter sometimes Administers it's own products but generally does not market Travel Insurance.
Pre-Existing Conditions Waiver
Generally the Plan or Policy Pre-Existing conditions exclusion states an Insurer 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 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, or a condition has become acute or exhibits symptoms which would caused one to seek diagnosis, care or treatment. The Pre-existing waiver is important because the Pre-existing exclusions are waived if the Plan or Policy is purchased with 7 to 14 days (depending upon the Underwriter's filing) of the initial trip deposit or payment... please remember these days are calendar days not 24 hour segments. You don't want to miss out on this great opportunity to waive the medical exclusions.
Rental Car Protection
Covers physical loss or damage to a "Covered" Rental Vehicle for which You are liable under the rental car contract, up to the benefit limit.
Protects your travel investment, up to the benefit limit, if you cancel or interrupt your trip because of a terrorist incident.
Reimburses you, up to the benefit limit, per day for additional meals and accommodations or travel expenses if you are delayed for more than the benefits specified period.
Protects your travel investment if you cancel your trip for a covered reason, up to the benefit limit, because of sickness, injury, or death of the insured or a family member while on a covered trip.
Protects your travel investment if you interrupt your trip for a covered reason, up to the benefit limit, because of sickness, injury, or death of the insured or a family member while on a covered trip.