The Online Travel Services Travel Protection Plan covers Trip Cancellation or Trip Interruption due to Financial Insolvency (as defined in the policy) of an airline provided:

1. the Financial Insolvency is not of the person, organization, agency 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.

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

The Online Travel Services Travel Protection Plan protects you in several ways. If your flight is canceled due to inclement weather, mechanical breakdown or an organized labor strike, you can take a later flight and you will be reimbursed up to a maximum of $500 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.

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3. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by the Online Travel Services 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:

1. your premium is received within 7 days of the initial deposit/payment for your trip; and
   
   
2. you are not disabled from travel when you pay your premium.

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The Online Travel Services 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

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5. 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.

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6. What if bad weather is predicted where I plan to travel? Will the Online Travel Services Travel Protection Plan cover me if I cancel my trip?

The Online Travel Services Travel Protection Plan does not provide coverage if you cancel your trip based upon what may or may not happen.

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

The Online Travel Services 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.

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8. 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 Online Travel Services 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.

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9. 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.

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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.

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If you have a specific question about the Online Travel Services 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 June 1, 2008. 
Legal Notice & Disclaimer Statement click here.

Copyright © 2008 Trip Mate, Inc. (In CA, dba Trip Mate Insurance Agency) All Rights Reserved.