Why Purchase Travel Insurance
For Domestic Programs
Affordable Rates
The easy, affordable way to protect your Program investment! Missing a Program is bad enough. Losing the money you paid for your Program is even worse. The Musiker Discovery Programs, Inc. Travel Protection Plan is your ticket to worry-free travel. Now you can protect your Program investment at a very affordable group rate -- take the peace of mind with you when you travel.
Cancel For Any Reason Benefit
With our Cancel For Any Reason Benefit, if you cancel your Trip for any reason not otherwise covered by this policy, we will reimburse you for 75% of the prepaid, forfeited, non-refundable Payments or Deposits you paid for your Trip provided:

1. your premium payment is received within 30 days of March 1st of each year; or

2. within 30 days of the initial deposit/payment for the Trip, if your initial deposit/payment is made after March1st; and

3. you cancel your Trip two (2) days or more before your Scheduled Trip Departure Date.
Waiver of the Pre-Existing Condition Exclusion
The Pre-Existing Condition Exclusion is waived provided you meet the following requirements: 1) the premium for the coverage is received within 30 days of March 1st of each year; or 2) within 30 days of the initial deposit/payment for the Trip, if your initial deposit/payment is made after March 1st; and 3) you are not disabled from travel at the time you pay your premium.

Please Note: This plan may not be purchased after final payment for your trip has been received.

Below is a brief listing of the plan benefits.
Benefit Maximum Benefit Amount
Medical Expense/Emergency Assistance
Accident and Sickness Medical Expense
Emergency Evacuation and Repatriation
 
$25,000
$50,000
Pre-Departure Trip Cancellation Up To Trip Cost
Post-Departure Trip Interruption Up To Trip Cost
Travel Delay (Up to $100 Per Day) $500
Baggage and Personal Effects $1,000
Baggage Delay $100
Cancel For Any Reason Benefit 75% of Non-Refundable Trip Cost
 
Why you should purchase Travel Insurance
If your Trip is Canceled or Interrupted, Your Program Investment is Protected
Unfortunately, many things happen that might cause you to cancel your travel plans or cut them short. Illness or injury. The death of a family member. The worst part is, without adequate protection, you can lose your Program investment. The Musiker Discovery Programs, Inc. Travel Protection Plan protects your Program investment if your trip is canceled or interrupted for a covered reason such as injury, illness or death of you, an immediate family member, or a traveling companion or business partner, or due to a Terrorist Act.

If you must interrupt your trip or return home early for a covered reason, the plan will pay (up to the original cost of your trip) for your unused land or water travel arrangements, less any refund paid or payable, plus the additional air expense to return home or rejoin your trip. 
Medical Expense and Emergency Assistance Benefits Could Be a Real Lifesaver!
If you have a serious illness or injury, the last thing you want to worry about is getting the care you need. The Musiker Discovery Programs, Inc. Travel Protection Plan gives you peace of mind with benefits that cover, up to the plan's limits, everything from medical expenses (incurred within one year of a sickness or injury that began during your trip) to special transportation (such as an air ambulance) required for medical reasons.
Travel Delayed? You're OK!
You’ll be reimbursed up to $100 per day for meals and accommodations (to a maximum of $500 total) if your trip is delayed for more than 12 hours for a covered reason.
Baggage Lost or Damaged? You're Protected!
It’s a traveler’s nightmare. You arrive at your destination, but your baggage has disappeared. Or has been stolen or damaged. What do you do? If you’re protected by the Musiker Discovery Programs, Inc. Travel Protection Plan, you’ll be reimbursed up to $1,000 to replace or repair your lost or damaged luggage and personal articles.
Baggage Delayed? Need Clothes and Toiletries? Count on us!
The plan reimburses you up to $100 to help cover the cost of clothing, toiletries and/or personal items if your baggage is delayed for more than 24 hours while you are on your trip.
The Travel Protection Plan is Administered by:
Trip Mate, Inc.*
9225 Ward Parkway, Suite 200
Kansas City, Missouri 64114
Tel: 1-800-888-7292
Plan Number: 433Q

*In CA, dba Trip Mate Insurance Agency
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.
To review the Travel Insurance Certificate for complete details about the plan, click here.
The information contained on these web pages is a representation of the travel protection plan information as of January 1, 2008. 
Legal Notice & Disclaimer Statement click here.

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