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 policy provisions, and the written documentation we receive with your claim submission.

1. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by the Heritage Clubs International, LLC plan?

2. What happens if my flight is delayed or canceled?

3. What can I do if I lose my passport or visa close to the departure date of my trip?

4. What if bad weather is predicted where I plan to travel? Will the Heritage Clubs International, LLC Plan cover me if I cancel my Trip?

5. What happens if my bags do not arrive at my destination when I do? What do I do?

6. If I require medical care while on my Trip, are my medical bills covered?

7. How do I file a claim?

8. Does the Plan cover me if I want to cancel my trip due to Terrorist Acts?

9. Does the plan cover my frequent flyer miles?

Frequently Asked Questions

1. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by the Heritage Clubs International, LLC 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 an Immediate 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 plan exclusion for Pre-Existing Conditions will be waived if:

1. the premium for the coverage is received by Heritage Clubs International, LLC within 14 days of the initial deposit/payment for your Trip; and
   
2. you are not already disabled from travel at the time you pay your premium.

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2. What happens if my flight is delayed or canceled?

The Heritage Clubs International, LLC plan protects you in several ways. If your flight is canceled due to inclement weather, mechanical breakdown of the aircraft on which you are scheduled to travel or an organized labor strike (provided the strike occurs after you pay your premium) you can:

1. take a later flight, and you will be reimbursed up to your original trip cost for the additional transportation expenses (less any refunds paid or payable for your original tickets) to join your trip (not to exceed the cost of one-way economy airfare, or first class if your original tickets were first class) and for the cost of any unused land or water travel arrangements; and/or  Click here for complete details of this benefit;
   
2. you will be reimbursed up to $100 per day to a maximum of $500 for  additional accommodation and travel expense if your trip is delayed for 12 hours or more for a covered reason. Click here for complete details of this benefit.

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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.

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4. What if bad weather is predicted where I plan to travel? Will the Heritage Clubs International, LLC plan cover me if I cancel my Trip?

The policy does not provide coverage if you cancel your Trip based upon what may or may not happen.

If, prior to departure or while on your Trip, your hotel or resort is damaged or closed due to bad weather and the hotel or resort cancels your reservation (and cannot provide you with comparable accommodations elsewhere), you will be covered. Click here for complete details of this coverage.

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5. What happens if my bags do not arrive at my destination when I do? What do I do?

We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed 24 hours or more during the Trip. We will also reimburse you up to $25 for expenses incurred during your Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Trip.

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6. If I require medical care while on my Trip, are my medical bills covered?

The policy covers medical expenses resulting from an illness or injury during your Trip. We even cover medical expenses for up to 1 year 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 Heritage Clubs International, LLC 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.

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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). Click here for complete details of this service. Claims may also be reported online and claim forms downloaded at www.tripmate.com.

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8. Does the Plan Cover me if I want to cancel my trip due to Terrorist Acts?

The Travel Protection Plan does provide a benefit if you must cancel or interrupt your trip due to Terrorist Acts in your departure city or in a city which is a scheduled destination for your trip.To be covered, the Terrorist Acts must occur within 30 days of the Scheduled Departure Date and Heritage Clubs International, LLC must receive your premium within 14 days of the initial deposit/payment for the trip. 

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9. Does the 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.

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If you have a specific question about the Heritage Clubs International, LLC Travel Protection Plan, please contact Trip Mate.

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