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 plan provisions, and the written documentation we receive with your claim submission.
Frequently Asked Questions
1. When should I pay for my Travel Protection Plan?
For coverage with the Pre-Existing Conditions exclusion waived, payment must be received with your initial deposit for your trip. If you pay for the plan after the initial deposit for your trip, the exclusion for Pre-Existing Conditions will not be waived.
Please Note: Payment for the plan cannot be made after your final trip payment. Exception: If you are making a new reservation within 90 days of departure, payment for this plan may be made at time of booking only.
2. What happens if I must cancel my trip because I'm ill or injured?
The travel protection plan covers you if you must cancel your trip due to a covered sickness or injury. A covered sickness or injury must: 1) commence after your effective date; and 2) in the certified opinion of a treating Physician, prevents your participation in the Trip; and 3) require diagnosis and treatment by a Physician at the time you cancel your trip. Remember, it is required that you are seen or treated by a physician prior to canceling your trip.
3. If I must interrupt my trip and return home early, what expenses are covered?
If you interrupt your trip for a covered reason, you are entitled to receive the following benefits:
1. reimbursement (less any refund paid or payable) for unused land or water travel arrangements; and
2. any Additional Transportation Cost to: a) your final destination; or b) from the place you left the trip to the place you may rejoin the trip.
The plan does cover Additional Transportation Cost, as noted above, but does not reimburse you for the cost of the original air flight arrangements when your trip is interrupted. See Plan Documents for full details.
4. What happens if my flight is delayed or canceled?
The Travel Protection Plan protects you in several ways. If your flight is delayed or canceled for 3 or more hours, you will be reimbursed up to a maximum of $750 for additional transportation expenses needed for You to join the departed Trip and non-refundable trip payments for the unused portion of your Trip. See Plan Documents for full details.
You will also be reimbursed up to $150 per day to a maximum of $750 for any additional accommodation, meal and local transportation expenses if you incur a delay of 12 hours or more for a covered reason during your trip. See Plan Documents for full details.
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.
6. 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 $250 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.
7. If my Baggage is lost, stolen or damaged during my Trip, do I have to file a claim with my homeowner's policy first?
No, the Travel Protection Plan only requires that you report your loss to a responsible party such as a hotel manager, tour guide, transportation official or local police and obtain a written report of your loss and the disposition of your claim with a responsible party.
See Plan Documents for full details.
8. If I require medical care while on my Trip, are my medical bills covered?
The plan covers medical expenses resulting from an illness or injury during your Trip. If you must be medically evacuated to another facility or home, these costs are covered as well. See Plan Documents for full details.
The plan includes the One Call 24-hour worldwide assistance service to help you with medical or legal emergencies during your Trip. See Plan Documents for full details.
9. 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.
10. How do I file a claim? Will LowestAirfares.com do this?
You must file any claims directly with Trip Mate - not through LowestAirfares.com. To obtain claim forms, call 1-800-888-7292, or you can report your claim online at www.tripmate.com.
11. I haven't received any forms to complete to enroll in this Travel Protection Plan. What is my identification number? Can I get a confirmation of my payment for the plan?
Because this Travel Protection Plan is designed for LowestAirfares.com, there are no forms to fill out. Your Plan Number, which you should supply when requesting assistance or filing for benefits, is A419L. Your fully-paid invoice is your confirmation of coverage. If you have any questions, call Trip Mate at 1-800-888-7292.
12. What happens if I cancel my Trip for a reason that is not covered by the protection plan provisions?
We realize that all travel protection plans have exclusions and limitations. That’s why we now include the LowestAirfares.com Cancellation Waiver Benefit with LowestAirfares.com's Protection Plan. Exception: The LowestAirfares.com Cancellation Waiver Benefit does not cover no shows or occupancy upgrade charges.
The Cancel For Any Reason Waiver allows you to cancel your Trip for any reason and receive a Future Travel Credit for the amount of any cancellation penalties that apply to any arrangements provided by LowestAirfares.com. Future Travel Credits are valid for travel within 12 months of the date of issue, but no later than 15 months from the date your trip was canceled, for travel arrangements with LowestAirfares.com (except ocean cruise bookings/programs). Future Travel Credits are non-transferable and not redeemable for cash.
13. When does my Trip Cancellation Protection take effect?
Trip Cancellation Protection becomes effective at 12:01 a.m. on the day after LowestAirfares.com receives payment for the Travel Protection Plan, as listed on your invoice.
14. What are Pre-Existing Conditions? I was in the hospital a few months ago for tests. Can I still obtain coverage?
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 a 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.
You should call Trip Mate for answers to more specific questions. Please remember, if you pay for the plan with your initial deposit for your trip, the exclusion for Pre-Existing Conditions is waived and does not apply. See Plan Documents for full details.
15. Does the LowestAirfares.com Protection Plan cover me before or after a tour or cruise when I am traveling on my own?
If LowestAirfares.com provides your air flight arrangements to and from a LowestAirfares.com tour or cruise, you are covered for Accidental Death, Medical Expense/Emergency Assistance, Trip Delay, Baggage and Baggage Delay while traveling on your own. The plan will not cover any travel arrangements that are not provided by LowestAirfares.com.
16. If my Traveling Companion must cancel his or her Trip, am I covered?
A Traveling Companion, as defined under the terms of LowestAirfares.com's Protection Plan, is a person or persons with whom you have coordinated travel arrangements and intend to travel with during your Trip.
If your Traveling Companion, as defined, cancels his or her Trip for a reason covered by the LowestAirfares.com Protection Plan, you are protected in two ways: 1) If you decide to take your Trip, the plan will cover any occupancy upgrade charges which you might incur; or 2) If you decide not to take your Trip, your cancellation penalties will be covered by the plan. See Plan Documents for full details.
If you have a specific question about the LowestAirfares.com Protection Plan, please contact Trip Mate.