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. What happens if my flight is delayed or canceled?
The Program Protector Program Protection 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 $750 for your Additional Transportation Cost to join your Program and for the cost of any unused land or water Travel Arrangements. 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 and travel expense if you incur a delay of 12 hours or more for a covered reason during your Program. See Plan Documents for full details.
2. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by The Program Protector Program 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 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. See Plan Documents for full details.
IMPORTANT! - The Pre-Existing Condition Exclusion is waived if payment for this plan is received by Program Protector with or before Your final payment for Your Program.
3. What can I do if I lose my passport or visa close to the departure date of my Program?
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 Program Protector Program Protection Plan cover me if I cancel my Program?
The Program Protector Program Protection Plan does not provide coverage if you cancel your Program 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 Program Protector Program Protection Plan covers all baggage delays of more than 24 hours during your Program. 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.
6. If I require medical care while on my Program, are my medical bills covered?
The Program Protector Program Protection Plan covers medical expenses resulting from an illness or injury during your Program. If you must be medically evacuated to another facility or home, these costs are covered as well. See Plan Documents for full details.
The Program Protector Program Protection Plan includes a 24-hour worldwide assistance service to help you with medical or legal emergencies during your Program. See Plan Documents for full details.
7. How do I file a claim?
To file a claim, call the Claims Administrator, Trip Mate, at 1-800-423-3632. 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 Plan Documents for full details.
8. Does the Program Protector Program Protection Plan cover my frequent flyer miles?
Frequent flyer miles are not covered if you must cancel or interrupt your Program. If you cancel your Program for a covered reason, you will only be reimbursed the money actually paid for the Program.
9. Does The Program Protector Program Protection Plan cover me if I want to cancel my Program due to a Terrorist Incident?
The Program Protector Program Protection Plan does provide a benefit if you must cancel or interrupt your Program due to a Terrorist Incident in your departure city or in a city which is a scheduled destination for your Program. To be covered, the Terrorist Incident must occur within 30 days of the Scheduled Departure Date for your Program (if your Travel Supplier offers a substitute itinerary, benefits do not apply). See Plan Documents for full details.
10. Am I covered if the airline I have booked with ceases operations or becomes Financially Insolvent?
The Program Protector Program Protection Plan covers Program Cancellation or Program 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 Program; 2) the Financial Insolvency occurs more than 14 days following your effective date for the Program Cancellation Benefits; and 3) your payment for this plan is received by Program Protector with or before Your final payment for Your Program. See Plan Documents for full details.
11. What happens if I lose my job and I must cancel my Program?
The Program Protector Program Protection 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.
If you have a specific question about Program Protector Program Protection Plan, please contact Trip Mate.