This is a brief description of the plan available for all travel insurance sales for Trips departing prior to November 1, 2009.
Please note that a final claims determination
is made based upon the policy provisions, and the written documentation
we receive with your claim submission.
1. What happens
if my flight is delayed or canceled?
The SmarTours Travel Protection Plan protects you in several ways. If your flight is canceled due to
inclement weather or an organized labor strike,
you can take a later flight and you will be reimbursed for
the
cost of any unused land or water travel arrangements. Click
here for complete details of this benefit.
You will also be reimbursed up to $100 per day to
a maximum of $500 for any
additional accommodation and travel
expense if you incur a delay of 12 hours or more for a covered
reason during your Trip.
Click
here for complete details of this benefit.2. What are Pre-Existing
Conditions and can a Pre-Existing Condition be covered by the SmarTours Travel Protection Plan?
Medical conditions for which there is
treatment; or a recommendation for treatment, diagnostic test or exam;
or for which drugs or medicine are prescribed during the 60 day period
prior to your effective date are Pre-Existing Conditions. The policy
excludes your Pre-Existing Conditions and those of a Traveling Companion
or an Immediate Family Member traveling with you.
Exception: Medical
conditions that are treated or controlled solely with medication and
remain treated or controlled without an adjustment or a change in medication
during the 60 day period prior to your effective date are not considered
to be Pre-Existing Conditions.
Click
here for complete details about Pre-Existing Conditions.
IMPORTANT! - The policy exclusion
for Pre-Existing Conditions will be waived if:
- the payment for the plan is received by SmarTours with or before final payment due date for your Trip; and
- you are not disabled from travel when you pay
your premium.
3. What
can I do if I lose my passport or visa close to the departure date
of my Trip?
Fortunately, passports and visas can
often be replaced in a very short period of time. Sometimes as
quickly as 24 hours. There are a number of passport service agencies
who can provide this expedited service for you.
Click
here for a passport service agency.
4. What if bad weather is predicted where I plan to travel or my Trip destination is affected by a natural disaster? Will
the SmarTours Travel Protection Plan cover me if I cancel
my Trip?
If, prior to departure or while on your Trip, your flight is canceled or your
hotel or resort is damaged or closed due to bad weather (including hurricanes or other natural disasters) and the airline, hotel or resort cancels your arrangements (and cannot
provide you with comparable arrangements or accommodations elsewhere), you will be
covered.
5. What happens
if my bags do not arrive at my destination when I do? What do I do?
The SmarTours Travel Protection Plan covers all baggage delays of
24 hours or more during your Trip. You will be reimbursed up to $100
for personal articles you buy (such as toiletries, a change of clothing,
etc.). Be sure to keep receipts for anything you purchase.
Your delayed or lost baggage will be
tracked for up to one full year, if requested.
6. If I require
medical care while on my Trip, are my medical bills covered?
The policy covers medical expenses resulting
from an illness or injury during your Trip. We even cover medical expenses
for up to 1 year after your injury or illness. If you must be medically
evacuated to another facility or home, these costs are covered as well.
Click
here for complete details of this coverage.
The SmarTours Travel Protection Plan includes
a 24-hour worldwide assistance service to help you with medical or
legal emergencies during your Trip.
Click
here for complete details of this service.7. How do I file
a claim?
To file a claim, call the Claims Administrator,
Trip Mate, at 1-800-888-7292. Their Customer Service Representatives
will assist you with your claim and mail you the appropriate claim
form(s).
Click here for
complete details of this service. Claims may also be reported online
and claim forms downloaded at www.tripmate.com.
8. Does the
SmarTours Travel Protection Plan cover my frequent flyer miles?
Frequent flyer miles are not covered
if you must cancel or interrupt your Trip. If you cancel your Trip
for a covered reason, you will only be reimbursed the money actually
paid for the Trip.
9. Does
the SmarTours Travel Protection Plan cover me if I want to cancel my Trip due to terrorist acts?
The SmarTours Travel Protection Plan
does
provide a benefit if you must cancel or interrupt your trip due
to terrorist acts in your departure city or in a city
which is a scheduled destination for your trip.To be covered, the
terrorist acts must occur within 30 days of the scheduled departure
date
for your Trip.
Click
here for complete details of this benefit.
10. What happens if I lose my job and I must cancel my Trip?
The SmarTours Travel Protection Plan provides coverage for job termination provided: 1) your job loss is the result of your involuntary termination of employment or layoff which occurs more than 30 days after your effective date of coverage; 2) was not under your control; and 3) you must have been continuously employed with the same employer for 2 years prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons.
If you have a specific question about
the SmarTours Travel Protection Plan, please
contact
Trip Mate.
The information contained on these
web pages is a representation of the Travel Protection Plan information
as of May 1, 2009.
Legal Notice & Disclaimer
Statement click here.
Copyright © 2009 Trip Mate, Inc. (In CA,
dba Trip Mate Insurance Agency) All Rights Reserved.