ProtectAssist
Description of Coverage

SCHEDULE OF BENEFITS
All coverages are per person.

Trip Cancellation ..................................................................................Trip Cost
Trip Interruption / Return Air Only............................................................150% of Trip cost/$750 or 150% trip cost, whichever is greater
Travel Delay..........................................................................................$ 750
(Maximum of $150 per day)
Missed Connection ...............................................................................$ 250
Baggage & Personal Effects Loss ..........................................................$ 1,000
(Includes lost, stolen, or damaged luggage or travel documents)
Baggage Delay .....................................................................................$ 300
Medical Expense ..................................................................................$ 25,000
Emergency Medical Transportation ........................................................$ 500,000
Family Coverage: At no additional charge, the plan covers all children age 17 and under who are traveling with and related to the primary adult named on the enrollment form

Additional Coverages: when you purchase ProtectAssist travel insurance within 15 days (Day one is the date the initial payment is received) of making your initial trip payment, you also receive:

Coverage against cruise line, airline or Tour Operator default (Financial default is not covered for all suppliers)

Coverage if pre-existing medical conditions force you to cancel or interrupt a trip. Applies to the first $30,000 of trip cost per person (Limitations apply)

Missed connection benefit increases to $500.
Flight Guard (this coverage is added to any Additional Flight Guard that is purchased).......$ 50,000

Additional Optional Coverage

NEW Cancel for Any Reason - The insurer will reimburse 50% of nonrefundable expenses if you

cancel your trip for any reason, up to 48 hours prior to your departure.

This coverage can only be purchased within 15 days of initial trip payment.

NEW Cancel for work reasons - Offers additional business-related reasons for canceling or interrupting a scheduled vacation.

Also includes exclusive "business assistant" services if you have work obligations during your travels.

This coverage can only be purchased within 15 days of initial trip payment.

Umbrella package.......... Medical expense limits are doubled. Emergency medical transportation benefits upgraded to take you home

or to the hospital of your choice. (see plan cost chart for cost. Cannot be purchased separately)

Flight Guard...................Coverage to $500,000 for accidental death or dismemberment that occur while flying

$9.00 per $100,000 of coverage

Car Rental Collision Coverage - $35,000 in primary coverage. Covers collision damage to a rental car for which the car rental contract would

hold you responsible. ($250 deductible applies)

$9.00 per day, per car

FREQUENTLY ASKED QUESTIONS:

Q. What does this program cover for cancellation?
A. The plan will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your trip for an unforeseen sickness, accidental injury or death of you, your traveling companion, family member or business partner, unforeseen strike, traffic accidents, financial default of the travel supplier, your principal residence or destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster, your being subpoenaed, required to serve on a jury, hijacked or quarantined, military duty, and a terrorist incident. Optional coverage can be purchased to cover you in the event you must cancel for covered business reasons or if you chose to Cancel For Any Reason. For a complete list of covered reasons for cancellation, please refer to the Description of Coverage (DOC).

Q.  Will I be covered if I cancel my trip for any reason?
A. Yes, if you purchase the ProtectAssist plan, and you purchase the optional Cancel For Any Reason coverage all within 15 days of your initial trip payment (limitations apply). See the Description of Coverages (DOC) for complete details.

Q. What happens if a family member not traveling becomes ill or passes away? Is this covered?
A. An illness or death of a family member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions apply). The definition of family member is included in the Description of Coverage (DOC).

Q. What is the Pre-Existing condition waiver and how can I qualify?
A. The Pre-existing medical condition exclusion will be waived if: 1) this plan is purchased within 15 calendar days of initial trip payment. This is applicable to all coverages contained in the policy. 2) the amount of trip cost insured must equal the full cost of all non-refundable trip arrangements. 3) the cost of any subsequent arrangement(s) added to the same trip are insured within 15 days of the date of payment or deposit for any subsequent trip arrangement(s). 4) you are medically able to travel when you purchase this coverage. For Trip Cancellation or Trip Interruption coverage, the pre-existing condition exclusion will be waived up to the first $30,000 of trip cost per person.

Q. If I do not enroll within the 15 days, how long do you look back for Pre-Existing medical conditions?
A. 180 days preceding and including the coverage effective date.

Q. Can I cancel my trip for work-related reasons?
A. If you purchase the Protect Assist plan with the optional Cancel for Work Reasons coverage all within 15 days of your initial trip payment, you are covered in the event you must cancel due to specific work-related reasons.  For a complete list of covered work-related reasons, please refer to the Description of Coverage (DOC).

Q. Does this plan include medical evacuation back home?
A. If you purchase the optional Umbrella Package with the base plan, you upgrade your Emergency Medical Transportation coverage to include transportation home or to the hospital of your choice for covered evacuations. 

Q. Does everyone going on the trip need to purchase the insurance to be covered?
A. Yes. The cost based on a per person trip cost, therefore each individual is covered separately. However, with the Protect Assist plan, children age 17 and under is covered at no additional cost for each insured adult, but you must list them as a traveler and the child must be related to the primary insured.  Only those listed as travelers on the enrollment form will be covered.

Q. How large of a trip can I cover?
A. With the ProtectAssist plan, you can insure trip costs up to $100,000.

Q. How long do my bags need to be delayed before I will be covered for baggage delay?
A. 24 hours or more.

Q. Will the plan reimburse for the single supplement if my traveling companion cancels?
A. If a traveling companion cancels and you are held responsible for a single supplement, you would be covered for the change in the per person occupancy rate as long as the reason for the cancellation was covered under the terms of the plan.

Q. I am 55 and my husband is 60, can we enroll for coverage under the same plan?
A. Yes.

Q. When does the coverage begin?
A. The Trip Cancellation coverage begins at 12:01 am local time at the location of the insured on the day after the Enrollment Form and payment is received by Travel Guard. All other coverages will begin at 12:01 am local time at the location of the insured on the scheduled trip departure date shown on the Enrollment Form provided required payment has been received.

Q. How do I file a claim?
A. To file a claim, you can call Travel Guard between the hours of 7:00 am and 7:00 pm Central Time and start the process with a Claims Analyst. The analyst will explain what needs to be provided to process your claim. The form will then be faxed or mailed to you to provide that information. 

Q. What if I want a refund?
A. Travel Guard is committed to providing products and services that will exceed expectations. If You are not completely satisfied, You can receive a refund provided 1) it is not past the original departure date; 2)  you have not submitted a claim; and 3) requests must be submitted to Travel Guard in writing within 15 days of the effective date of your coverage. If past 15 days, premium and service fees are non-refundable.

Click here for Protect Assist Brochure