This is a brief description of the plan available for all travel insurance sales on or after June 1, 2010.
Please note that a final claims determination
is made based upon the policy provisions, and the written documentation
we receive with your claim submission.
Frequently Asked Questions
1. What happens
if my flight is delayed or canceled?
The Adventure Center Travel Insurance & Assistance Plan protects 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 $1,000 for your Additional Transportation Cost to join your Trip and 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 $200 per day to
a maximum of $1,000 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.2. What are Pre-Existing
Conditions and can a Pre-Existing Condition be covered by the Adventure Center Travel Insurance & Assistance 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 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.
Click
here for complete details about Pre-Existing Conditions.
IMPORTANT! - The policy exclusion
for Pre-Existing Conditions will be waived if
the payment for this plan is received by Adventure Center within 14 days of the date on Your Adventure Center Trip confirmation letter 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
the Adventure Center Travel Insurance & Assistance Plan cover me if I cancel
my Trip?
The Adventure Center Travel Insurance & Assistance Plan does
not provide coverage if you cancel your Trip based upon what may or may not
happen.
5. What happens
if my bags do not arrive at my destination when I do? What do I do?
The Adventure Center Travel Insurance & Assistance Plan covers all baggage delays of
24 hours or more during your Trip. You will be reimbursed up to $200
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?
The Adventure Center Travel Insurance & Assistance Plan covers medical expenses resulting
from an illness or injury during your Trip. We even cover medical expenses
for up to 52 weeks 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 Adventure Center Travel Insurance & Assistance 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.7. 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). Claims may also be reported online
and claim forms downloaded at www.tripmate.com.
Click here for
complete details of this service. 8. Does the
Adventure Center Travel Insurance & Assistance 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.
9. Does
the Adventure Center Travel Insurance & Assistance Plan cover me if I want to cancel my Trip due to a Terrorist Incident?
The Adventure Center Travel Insurance & Assistance Plan does
provide a benefit if you must cancel or interrupt your Trip due
to a Terrorist Incident in your departure city or in a city
which is a scheduled destination for your Trip. To be covered, the
Terrorist Incident must occur within 30 days of the Scheduled Departure
Date
for your Trip (if your Travel Supplier offers a substitute itinerary, benefits do not apply).
Click
here for complete details of this benefit.
10. Am I covered if the airline I have booked with ceases operations or becomes Financially Insolvent?
The Adventure Center Travel Insurance & Assistance Plan covers Trip Cancellation
or Trip Interruption due to Bankruptcy or Default (each as defined in the
policy) of an airline provided:
1) the Financial Insolvency is not of the tour operator or travel agency from whom you directly purchased or
paid for your Trip; 2) the Financial Insolvency occurs more than 14 days following your effective date for the Trip Cancellation Benefits;
and 3) your premium is received within 14 days of the date on your Adventure Center trip Confirmation letter for your Trip.
Click
here for complete details of this benefit.11. What happens if I lose my job and I must cancel my Trip?
The Adventure Center Travel Insurance & Assistance Plan 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.
12. Does the Travel Insurance & Assistance Plan meet the insurance requirements for participation in an Adventure Center Trip?
Purchasing Part I provides $200,000 of Medical Expense and $1,000,000 of Medical Evacuation and Repatriation benefits (see certificate for complete details). These limits fulfill the Trip participation requirements of Adventure Center’s International Trip Operators.
13. Can Part I and Part II be purchased separately?
Yes, or you may purchase both for maximum protection. Part II, Trip Cancellation/Interruption, is especially important to protect your Trip investment since as much as 100% of any Adventure Center program can be non-refundable if you must cancel.
14. I am traveling additional days outside an Adventure Center Trip. May I purchase Part I (Medical and Evacuation) only for the days I am traveling with Adventure Center?
Yes, but by doing so you will not have coverage under the Adventure Center plan for the days on your own.
15. How can I be sure I'm fully covered for each day of my Trip?
Count each calendar day including BOTH the departure and return days (e.g. June 2 to June 11 is ten days).
16. Is it safe to purchase Adventure Center Insurance online?
Yes. We work closely with our programmers to keep our forms on a highly secure ordering environment so you can enroll in our travel insurance plans with confidence. We use Secure Socket Layers (SSL), the industry standard in transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately.
When you are ready to enroll in one of our plans, you will move into the secure area of our site. A warning window may pop up to notify you that you are entering this "safe" area. Once you've entered, the beginning of the page address (URL) will change from "http" to "https", to let you know you are in a secure area. Also, a key or a closed padlock icon will appear in the lower right corner of most browsers to notify you of this change. You will remain in this secure zone for the entire purchase process.
17. How will proof of insurance be sent to me?
When you enroll online, your receipt and Confirmation of Insurance will be instantly emailed to you. If you enroll by fax or mail, your Confirmation of Insurance will be sent to you via U.S. mail.
18. When I purchase with the online enrollment form, how will I know that you have accepted my purchase?
A message will be displayed confirming that your transaction has been completed. We will also send an email receipt and a Certificate of Insurance in PDF format to the email address you specified during enrollment.
19. What if I discover that I’ve entered incorrect information after completing the online enrollment form?
Send any corrections to us in writing by email, fax or mail and we will confirm the changes. When sending correspondence, please include a daytime phone number and reference your Transaction Number.
Contact Information:
Email: customtravel@travelinsure.com
Fax: 610-537-9843
Mail: USI Travel Insurance Services
2950 Camino Diablo, Suite 300
Walnut Creek, CA 94597-3991
If the correction results in an increase in premium, please submit check or credit card payment by fax or mail. When sending credit card details, please include the number, expiration date and a statement authorizing USI Travel Insurance Services to charge the additional amount.
Please refer to the Travel Insurance Certificate for complete details on the terms, conditions, exclusions, and limitations of the plan.
20. May I extend my coverage to include additional independent air arrangements that immediately precede or follow an Adventure Center Trip?
Yes, provided the dates of travel for the air flights are within 7 total days of the scheduled Adventure Center Trip dates and are to and from the Scheduled Trip Departure and return cities, and as long as you include those costs and the travel days in your total premium calculation.
If you have a specific question about
the Adventure Center Travel Insurance & Assistance 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, 2010.
Legal Notice & Disclaimer
Statement click here.
Copyright © 2010 Trip Mate, Inc. (In CA,
dba Trip Mate Insurance Agency) All Rights Reserved.