This is a brief description of the plan available for all travel protection plan sales for Trips departing on or after August 01, 2012.
Please note that a final claims determination is made based upon the plan provisions, and the written documentation we receive with your claim submission.
1. What happens if my flight is delayed or canceled?
The Gate 1 Travel Protection Plan protects you in several ways. If your flight is delayed 3 or more hours, you can take a later flight and you will be reimbursed up to a maximum of $1,000 for your additional transportation expenses to join your Trip and for the cost of any unused portion of your Cruise or tour. See policy/certificate 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 or more hours 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 the Gate 1 Travel 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 through the taking of medication and remain treated or controlled without an adjustment or a change in medication during the 60 day period immediately prior to your effective date are not considered to be Pre-Existing Conditions.
1. What happens if my flight is delayed or canceled?
The Gate 1 Travel Protection Plan protects you in several ways. If your flight is delayed 3 or more hours, you can take a later flight and you will be reimbursed up to a maximum of $1,000 for your additional transportation expenses to join your Trip and for the cost of any unused portion of your Cruise or tour. See pollicy/certificate 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 or more hours 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 the Gate 1 Travel 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 through the taking of medication and remain treated or controlled without an adjustment or a change in medication during the 60 day period immediately 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 provided you meet the following requirements: 1) You purchase this Policy at or before the final payment due date (i.e payment is received by Gate 1 Travel) for Your Covered Trip; and 2) You are medically able to travel at the time the premium is paid.
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 Gate 1 Travel Protection Plan cover me if I cancel my Trip?
The Gate 1 Travel Protection Plan does not provide coverage if you cancel your Trip based upon what may or may not happen.
Remember, the Optional Gate 1 Cancel For Any Reason Waiver Benefit does allow you to cancel your tour up to 72 hours before your scheduled departure for any reason.
5. What happens if my bags do not arrive at my destination when I do? What do I do?
The Gate 1 Travel Protection Plan covers all checked baggage delays of more than 24 hours 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.
6. If I require medical care while on my Trip, are my medical bills covered?
The Gate 1 Travel Protection Plan covers medical expenses resulting from an Emergency Treatment of an Accidental Injury that occurs, or Sickness that first manifest itself 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.
The Gate 1 Travel Protection Plan 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, 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. See policy/certificate for full details.
8. Does the Gate 1 Travel Protection 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 Gate 1 Travel Protection Plan cover me if I want to cancel my Trip due to a Terrorist Incident?
The Gate 1 Travel Protection Plan does provide a benefit if you must cancel or interrupt your Trip due to a Terrorist listed on Your Covered Trip Itinerary. To be covered, the Terrorist Incident must occur within 30 days prior to Your Scheduled Departure Date for your Trip (if your Travel Supplier offers a substitute itinerary, benefits do not apply). See policy/certificate for full details.
10. What happens if I lose my job and I must cancel my Trip?
The Gate 1 Travel Protection Plan provides coverage for job termination provided: you have been continuously employed with the same employer for 1 year prior to the termination or layoff.
If you have a specific question about the Gate 1 Travel Protection Plan, please contact Trip Mate.
IMPORTANT! - The policy exclusion for Pre-Existing Conditions will be waived provided you meet the following requirements: 1) You purchase this Policy at or before the final payment due date (i.e payment is received by Gate 1 Travel) for Your Covered Trip; and 2) You are medically able to travel at the time the premium is paid.
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.
4. What if bad weather is predicted where I plan to travel? Will the Gate 1 Travel Protection Plan cover me if I cancel my Trip?
The Gate 1 Travel Protection Plan does not provide coverage if you cancel your Trip based upon what may or may not happen.
Remember, the Optional Gate 1 Cancel For Any Reason Waiver Benefit does allow you to cancel your tour up to 72 hours before your scheduled departure for any reason.
5. What happens if my bags do not arrive at my destination when I do? What do I do?
The Gate 1 Travel Protection Plan covers all checked baggage delays of more than 24 hours 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.
6. If I require medical care while on my Trip, are my medical bills covered?
The Gate 1 Travel Protection Plan covers medical expenses resulting from an Emergency Treatment of an Accidental Injury that occurs, or Sickness that first manifest itself 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.
The Gate 1 Travel Protection Plan 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, 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. See policy/certificate for full details.
8. Does the Gate 1 Travel Protection 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 Gate 1 Travel Protection Plan cover me if I want to cancel my Trip due to a Terrorist Incident?
The Gate 1 Travel Protection Plan does provide a benefit if you must cancel or interrupt your Trip due to a Terrorist listed on Your Covered Trip Itinerary. To be covered, the Terrorist Incident must occur within 30 days prior to Your Scheduled Departure Date for your Trip (if your Travel Supplier offers a substitute itinerary, benefits do not apply). See policy/certificate for full details.
10. What happens if I lose my job and I must cancel my Trip?
The Gate 1 Travel Protection Plan provides coverage for job termination provided: you have been continuously employed with the same employer for 1 year prior to the termination or layoff.
If you have a specific question about the Gate 1 Travel Protection Plan, please contact Trip Mate.