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Why Purchase Travel Protection

Affordable rates

The easy, affordable way to protect your vacation investment! Missing a vacation is bad enough. Losing the money you paid for your vacation is even worse. The Heritage Clubs International, LLC Travel Protection Plan is your ticket to worry-free travel. Now you can protect your travel investment at a very affordable group rate -- take peace of mind with you when you travel.

Waiver of the Pre-Existing Condition Exclusion

This plan is available regardless of your age. Pre-existing medical conditions are covered if your premium is received within 14 days of the initial deposit/payment for your Trip (provided you are not already disabled from travel when you pay your premium). Below is a brief listing of the plan benefits.

Benefit	Maximum Benefit Amount
Accidental Death and Dismemberment	$25,000
Medical Expense/Emergency Assistance
Accident and Sickness Medical Expense	$25,000
Emergency Evacuation and Repatriation	$50,000
Pre-Departure Trip Cancellation	Up To Trip Cost
Post-Departure Trip Interruption	Up To Trip Cost
Travel Delay (Up to $100 Per Day)	$500
Baggage and Personal Effects	$1,000
Baggage Delay (Up to $100 Per Day)	$500

Why you should purchase Travel Insurance

If Your Trip is Canceled or Interrupted, Your Travel Investment is Protected

If you are like a lot of people these days, you don't just look forward to your vacations, you need them. A vacation is your opportunity to rest, relax, and recharge your batteries. Or to catch up with friends and family. Unfortunately, many things happen that might cause you to cancel your travel plans or cut them short. Illness or injury. The death of a family member. The worst part is, without adequate protection, you can lose your vacation and your money, as well. The Heritage Clubs International, LLC plan protects your travel investment if your trip is canceled or interrupted for a covered reason such as injury, illness or death of you, an immediate family member, or a traveling companion or business partner.

If you must interrupt your trip or return home early for a covered reason, the plan will pay (up to the original cost of your trip) for your unused land or cruise arrangements, less any refund paid or payable, plus the additional air expense to return home or rejoin your trip.

The plan will also pay the additional cost for a change in the per person occupancy rate if a traveling companion's trip is canceled and your trip continues.

Medical Expense and Emergency Assistance Benefits Could Be a Real Lifesaver!

If you have a serious illness or injury, the last thing you want to worry about is getting the care you need. The Heritage Clubs International, LLC Travel Protection Plan gives you peace of mind with benefits that cover, up to the plan's limits, everything from medical expenses (incurred within one year of a sickness or injury that began during your trip) to special transportation (such as an air ambulance) required for medical reasons.

Travel Delayed? You're OK!

You'll be reimbursed up to $100 per day for meals and accommodations (to a maximum of $500 total) if your trip is delayed for more than 12 hours for a covered reason.

Baggage Lost or Damaged? You're Protected!

It's a traveler's nightmare. You arrive at your destination, but your baggage has disappeared. Or has been stolen or damaged. What do you do? If you're protected by the Heritage Clubs International, LLC plan, you'll be reimbursed up to $1,000 to replace or repair your lost or damaged luggage and personal articles.

Baggage Delayed? Need Clothes and Toiletries? Count on us!

The plan reimburses you up to $100 per day to a maximum of $500 to help cover the cost of clothing, toiletries and/or personal items if your baggage is delayed for more than 24 hours while you are on your trip.

Accidental Death Benefit

Your beneficiaries will receive payment according to the Plan's Schedule of Coverages for accidental death which occurs within 365 days of an injury sustained while you are on your trip

The Travel Protection Plan is Administered by:

Trip Mate (In CA, dba Trip Mate Insurance Agency)
9225 Ward Parkway, Suite 200
Kansas City, Missouri 64114

1-800-888-7292

The Travel Insurance is underwritten by:

Stonebridge Casualty Insurance Company, Columbus,Ohio; NAIC #10952 (all states except as otherwise noted) under Policy/CertificateForm series TAHC5000. In CA, CT, HI, NE, NH, PA, TN and TX Policy/CertificateForm series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OH, OR, VT, WA and WY PolicyForm #’s TAHC5100IPS and TAHC5200IPS.

To review the Travel Insurance Certificate for complete details about the plan, click here.

The information contained on these web pages are a representation of the Travel Protection Plan information as of April 1, 2005. Legal Notice & Disclaimer Statement click here.