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. What happens if my flight is delayed or cancelled?
Indus Travels, Inc. Plan Documents covers you in several ways. If your flight is delayed 3 hours or more, you can take a later flight and you will be reimbursed up to a maximum of $750 for your Additional Transportation Cost to join your Trip and for the cost of any unused land or water Travel Arrangements. See Policy/Certificate for full details.
You will also be reimbursed $150 per day (to a maximum of $750 total) for any additional accommodation and travel expense if you incur a delay of 12 hours or more for a covered reason during your Trip. See Policy/Certificate for full details.
2. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by Indus Travels, Inc. Plan Documents?
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 Travelling Companion or a Family Member travelling 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. See Policy/Certificate for full details.
IMPORTANT! - The policy exclusion for Pre-Existing Conditions will be waived if the payment for this plan is received by Indus Travels, Inc. with your initial deposit/payment for your Trip.
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.
4. What if bad weather is predicted where I plan to travel? Will Indus Travels, Inc. Plan Documents cover me if I cancel my Trip?
Indus Travels, Inc. Plan Documents does not provide coverage if you cancel your Trip based upon what may or may not happen.Return To The Question Index
5. What happens if my bags do not arrive at my destination when I do? What do I do?
Indus Travels, Inc. Plan Documents covers all baggage delays of more than 24 hours during your Trip. You will be reimbursed up to $250 per day (to a maximum of $500 total) 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.
6. If I require medical care while on my Trip, are my medical bills covered?
Indus Travels, Inc. Plan Documents 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 Policy/Certificate for full details.
Indus Travels, Inc. Plan Documents includes a 24-hour worldwide assistance service to help you with medical or legal emergencies during your Trip. See Policy/Certificate for full details.
7. How do I file a claim?
To file a claim, call the Claims Administrator, Northbridge Claims Administration c/o Active Care Management, at 1-888-421-5378. Their Customer Service Representatives will assist you with your claim and mail you the appropriate claim form(s). Claims may also be reported online and claim forms downloaded at www.tripmate.com
. See Policy/Certificate for full details.
8. Does Indus Travels, Inc. Plan Documents 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.
9. What happens if I lose my job and I must cancel my Trip?
Indus Travels, Inc. Plan Documents provides coverage for job termination provided: 1) your job loss is the result of your involuntary termination of employment or layoff; 2) was not under your control; and 3) you must have been continuously employed with the same employer for 1 year prior to the termination or layoff.
If you have a specific question about Indus Travels, Inc. Plan Documents, please contact Northbridge Claims Administration c/o Active Care Management.