Frequently Asked Questions

Here are some Frequently Asked Questions about Travel Protection Plans:

Please note that a final claims determination is made based upon the policy provisions, and the written documentation we receive with your claim submission.

Index

1. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by the NARFE Travel plan?

2. What happens if my flight is delayed or canceled?

3. What can I do if I lose my passport or visa close to the departure date of my trip?

4. What if bad weather is predicted where I plan to travel? Will the NARFE Travel plan cover me if I cancel my Trip?

5. What happens if my bags do not arrive at my destination when I do? What do I do?

6. If I require medical care while on my Trip, are my medical bills covered?

7. How do I file a claim?

8. Does the plan cover my frequent flyer miles?

9. Am I covered if the tour operator, airline or cruise line I have booked with ceases operations or becomes financially insolvent?

Frequently Asked Questions

1. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by the NARFE Travel 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 plan exclusion for Pre-Existing Conditions will be waived if:

1. NARFE Travel receives your premium within 7 days of the initial deposit/payment for your Trip; and
   
2. you are not already disabled from travel at the time NARFE Travel receives your plan payment.

Return To The Question Index

2. What happens if my flight is delayed or canceled?

The NARFE Travel plan protects you in several ways. If your flight is canceled due to inclement weather or an organized labor strike (provided the strike occurs after you pay your premium) you can:

1. take a later flight, and you will be reimbursed up to your original trip cost for the additional transportation expenses (less any refunds paid or payable for your original tickets) to join your trip (not to exceed the cost of one-way economy airfare, or first class if your original tickets were first class) and for the cost of any unused land or water travel arrangements; and/or  Click here for complete details of this benefit;
   
2. you will be reimbursed up to $100 per day to a maximum of $500 for  additional accommodation and travel expense if your trip is delayed for 12 hours or more for a covered reason. Click here for complete details of this benefit.

Return To The Question Index

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.

Return To The Question Index

4. What if bad weather is predicted where I plan to travel? Will the NARFE Travel plan cover me if I cancel my Trip?

The policy does not provide coverage if you cancel your Trip based upon what may or may not happen.

If, prior to departure or while on your Trip, your hotel or resort is damaged or closed due to bad weather and the hotel or resort cancels your reservation (and cannot provide you with comparable accommodations elsewhere), you will be covered. Click here for complete details of this coverage.

Return To The Question Index

5. What happens if my bags do not arrive at my destination when I do? What do I do?

The 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.

Return To The Question Index

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 NARFE Travel 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.

Return To The Question Index

7. How do I file a claim?

To file a claim, call the Claims Administrator, Trip Mate Insurance Agency, Inc. 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.

Return To The Question Index

8. Does the 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.

Return To The Question Index

9. Am I covered if the tour operator, airline or cruise line I have booked with ceases operations or becomes financially insolvent?

NARFE Travel covers Trip Cancellation or Trip Interruption due to Financial Insolvency (as defined in the policy) of an airline, cruise line or tour operator provided:

1. the Financial insolvency is not of the person, organization or firm from whom you directly purchased or paid for your Trip ;
   
2. the Financial Insolvency occurs more than 15 days following your effective date for the Trip Cancellation Benefits; and
   
3. your premium is received within 7 days of the initial deposit/payment for your Trip.

Return To The Question Index

If you have a specific question about the NARFE Travel Travel Protection Plan, please contact Trip Mate.