Please read this Insurance Certificate/brochure carefully, as it is your evidence of coverage under the policy. If you have any questions about the coverages offered or to report a claim, please contact Trip Mate at
1-800-888-7292. Claims may also be reported online and claim forms downloaded at www.tripmate.com. Plan Number 436W
Who is Eligible For Coverage
A person who has arranged to take a Trip, and pays the required premium, and is a citizen or resident of the United States of America or Canada.
Pre-Departure Trip Cancellation coverage will take effect on the date your premium is received by CheapCaribbean.com Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date of your Trip if the required premium payment is received.
Your coverage automatically ends on the earlier of: 1) the date the Trip is completed; 2) the Scheduled Return Date; 3) your arrival at the return destination on a round-trip, or the destination on a one-way trip; 4) cancellation of the Trip covered by the Policy. Termination of the policy will not affect a claim for loss that occurs after premium has been paid.
All coverages under the policy will be extended if your entire Trip is covered by the policy and your return is delayed by unavoidable circumstances beyond your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date you reach your originally scheduled return destination or seven (7) days after the Scheduled Return Date.
Summary of Coverages
Pre-Departure Trip Cancellation
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if, for a covered reason that occurs before departure on your Trip and while coverage is in effect, you are prevented from taking your Trip. Covered reasons for Pre-Departure Trip Cancellation are for Other Covered Events, as defined.
Pre-Departure Trip Cancellation Benefits:
If you cancel your Trip for a covered reason, we will reimburse you, up to the amount in the Schedule, for the amount of prepaid, forfeited, non-refundable Payments or Deposits that you paid for your Trip.
We will pay your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is canceled for a covered reason and your Trip is not canceled.
Post-Departure Trip Interruption
We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if for a covered reason: 1) your arrival on your Trip is delayed beyond the Scheduled Departure Date or 2) you are unable to continue on your Trip after you have departed on your Trip.
Covered reasons for Post-Departure Trip Interruption are for Other Covered Events, as defined.
Post-Departure Trip Interruption Benefits:
If you interrupt your Trip for a covered reason, we will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, plus one of the following:
1) the additional transportation expenses by the most direct route from the point you interrupted your Trip: a) to the next scheduled destination where you can catch up to your Trip; or b) to the final destination of your Trip; or
2) the additional transportation expenses incurred by you by the most direct route to reach your original Trip destination if you are delayed and leave after the Scheduled Departure Date.
However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route, less any refunds paid or payable for your unused original tickets.
3) your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted and your Trip is continued.
In this Policy, “you”, “your” and “yours” refer to the Insured. “We”, “us” and “our” refer to the company providing this insurance. In addition certain words and phrases are defined as follows:
“Accident” means a sudden, unexpected, unintended and external event, which causes Injury.
“Air Carrier” means any air conveyance operated under a license for the transportation of passengers for hire.
“Common Carrier” means any land, water or air conveyance operated under a license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.
“Injury” means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the policy; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
“Insured” means an Eligible Person who arranges a Trip and pays any required premium.
“Insurer” means Stonebridge Casualty Insurance Company.
"Other Covered Events" means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:
1. Air Carrier delays resulting from inclement weather;
2. arrangements canceled by an airline, cruise line or tour operator resulting from inclement weather.
“Payments or Deposits” means the cash, check, or credit card amounts actually paid for your Trip. Payments made in the form of a certificate, voucher or discount are not Payments or Deposits as defined herein.
“Policy” means the contract issued to the Policyholder providing the benefits specified herein.
“Policyholder” means the legal entity in whose name this Policy is issued, as shown on the Benefit Schedule.
“Scheduled Departure Date” means the date on which you are originally scheduled to leave on your Trip.
“Scheduled Return Date” means the date on which you are originally scheduled to return to the point where the Trip started or to a different final destination.
“Traveling Companion” means a person whose name appears with yours on the same Trip arrangement and who, during the Trip, will share accommodations with you in the same room, cabin, condominium unit, apartment unit, or other lodging.
"Trip" means a scheduled trip for which coverage has been elected and the premium paid, and all travel arrangements are arranged by CheapCaribbean.com prior to the Scheduled Departure Date of the Trip.
“Trip Cost” means the cash, check, or credit card amounts actually paid for your Trip. Payments made in the form of a certificate, voucher or discount are not Trip Cost as defined herein.
The following exclusion applies to the Accidental Death and Dismemberment coverage:
1. We will not pay for loss caused by or resulting from Sickness of any kind.
The following exclusion applies to the Medical Expense/Emergency Assistance, Pre-Departure Trip Cancellation, Post-Departure Trip Interruption, and Travel Delay coverages:
| 2. |
We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the policy, including death that results therefrom. This Exclusion does not apply to benefits under Covered Expenses for Medical Evacuation, item #1 (emergency Medical Evacuation) or item #4 (Repatriation of Remains) of the Medical Expense/Emergency Assistance Benefits coverage. |
The following exclusion applies to all coverages:
| 3. |
We will not pay for any loss under the policy, caused by, or resulting from: a) declared or undeclared war, or any act of war; b) civil disorder; c) service in the armed forces of any country; d) nuclear reaction, radiation or radioactive contamination; e) operating or learning to operate any aircraft, as pilot or crew; f) mountain climbing, bungee cord jumping, heli-skiing, extreme skiing or skiing outside marked trails, caving or spelunking, skydiving, parachuting, hang gliding, parasailing, hot air ballooning or travel on any air supported device, other than on a regularly scheduled airline or air charter company; g) any unlawful acts, committed by you or a Traveling Companion (whether insured or not); h) any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law; i) medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment; j) bankruptcy, financial insolvency, default or failure to supply services by a travel supplier; k) failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements for reasons other than financial insolvency; l) a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the policy is not in effect for you. |
The Travel Insurance is Underwritten By: Stonebridge Casualty Insurance Company, Columbus, Ohio; (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, CT, HI, NE, NH, PA, TN and TX Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OH, OR, VT, WA and WY Policy Form #’s TAHC5100IPS and TAHC5200IPS.
Notice: If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA, WY) your coverage is provided on an individual policy form. Your policy number is your complete Name plus 436W. Your policy is available at www.tripmate.com. You can also request this information by calling Trip Mate at
1-800-888-7292.
State Specific Notices
California Residents: This policy contains disability insurance benefits or health insurance benefits, or both, that apply only during a covered Trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan.
Florida Residents: Your homeowners policy, if any, may provide coverage for loss of personal effects. You are not required to purchase baggage insurance in connection with purchase of tickets or with the lease or rental of a motor vehicle.
General Policy Provisions
Duplication of Coverage You may only purchase one certificate from us for each Trip. If you do purchase more than one certificate for a specific Trip, the Maximum Limit of Coverage payable will be as specified in the certificate with the highest level of benefits. We will refund premium received from you under any other certificate.
Maximum Limit of Liability All limits are applied per Trip. We will pay no more than $1,000,000 per occurrence to or on account of any person insured under the policy. Our Maximum Limit of Liability for all claims resulting from the same occurrence will be $10,000,000 collectively under the TAHC series of policies.
Notice of Claim We must be given written notice of claim within 180 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. Notice may be given to us or to our authorized agent. Notice should include the claimant’s name and enough information to identify him or her.
Our Right To Recover From Others We have the right to recover any payments we have made from anyone who may be responsible for the loss. You and anyone else we insure must sign any papers and do whatever is necessary to transfer this right to us. You and anyone else we insure will do nothing after the loss to affect our right.
Your Duties in the Event of a Loss
You must provide with your claim submission:
For Trip Cancellation and Interruption Claims: 1) all invoices, canceled checks and/or credit card statements documenting your payment(s) for the Trip and the travel protection plan; 2) all invoices, canceled checks and/or credit card statements documenting refund(s) received or due; 3) any other official documentation to substantiate the reason for the cancellation or interruption; and 4) any other written documentation which may be required by us to substantiate the claim.
You must return all refundable travel documents or tickets to the issuing party and/or travel supplier.
All claims should be presented to the Program Administrator:
Trip Mate, Inc. (In CA, dba Trip Mate Insurance Agency)
9225 Ward Parkway, Suite 200
Kansas City, Missouri 64114
Tel: 1-800-888-7292
Plan Number: 436W
436W - 11/08
456379
The information contained on these
web pages is a representation of the Travel Protection Plan information
as of November 1, 2008.
Legal Notice & Disclaimer
Statement click here.
Copyright © 2008 Trip Mate (In CA,
dba Trip Mate Insurance Agency) All Rights Reserved.