Trip Mate Frequently Asked Questions

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.
 
Index
 
1.When should I pay for my Travel Protection Plan?
 
2.What happens if I must cancel my trip because I'm ill or injured?
 
3. What can I do if I lose my passport or visa close to the departure date of my Trip?
 
4. Does the plan cover my frequent flyer miles?
 
5.How do I file a claim? Will Journese do this?
 
6.I haven't received any forms to complete to enroll in this Travel Protection Plan. What is my identification number? Can I get a confirmation of my payment for the plan?
 
7.What happens if I cancel my Trip for a reason that is not covered by the protection plan provisions?
 
8.When does my Trip Cancellation Protection take effect?
 
9.What are Pre-Existing Conditions? I was in the hospital a few months ago for tests. Can I still obtain coverage?
 
10.Does the Journese Protection Plan cover me before or after a tour or cruise when I am traveling on my own?
 
11. If my Traveling Companion must cancel his or her Trip, am I covered?
 
 

Frequently Asked Questions

 

1. When should I pay for my Travel Protection Plan?
For coverage with the Pre-Existing Conditions exclusion waived, payment must be received with your initial deposit for your trip. If you pay for the plan after the initial deposit for your trip, the exclusion for Pre-Existing Conditions will not be waived.
Please Note: Payment for the plan cannot be made after your final trip payment. Exception: If you are making a new reservation within 90 days of departure, payment for this plan may be made at time of booking only.
 
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2. What happens if I must cancel my trip because I'm ill or injured?
 
The travel protection plan covers you if you must cancel your trip due to a covered sickness or injury. A covered sickness or injury must: 1) commence after your effective date; and 2) in the certified opinion of a treating Physician, prevents your participation in the Trip; and 3) require diagnosis and treatment by a Physician at the time you cancel your trip. Remember, it is required that you are seen or treated by a Physician prior to canceling your trip.
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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.
 
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4. 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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5. How do I file a claim? Will Journese do this?
 
You must file any claims directly with Trip Mate - not through Journese. To obtain claim forms, call 1-800-888-7292, or you can report your claim online at www.tripmate.com.
 
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6. I haven't received any forms to complete to enroll in this Travel Protection Plan. What is my identification number? Can I get a confirmation of my payment for the plan?
 
Because this Travel Protection Plan is designed exclusively for Journese, there are no forms to fill out. Your Plan Number, which you should supply when requesting assistance or filing for benefits, is A418J. Your fully-paid invoice is your confirmation of coverage. If you have any questions, call Trip Mate at 1-800-888-7292.
 
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7. What happens if I cancel my Trip for a reason that is not covered by the protection plan provisions?
 
We realize that all travel protection plans have exclusions and limitations. That’s why we now include the Journese Cancellation Waiver Benefit with Journese's Protection Plan. Exception: The Journese Cancellation Waiver Benefit does not cover no-shows or occupancy upgrade charges.
The Journese Cancel For Any Reason Waiver allows you to cancel your Trip for any reason and receive a Future Travel Credit for the amount of any cancellation penalties that apply to any arrangements provided by Journese. Future Travel Credits are valid for travel within 12 months of the date of issue, but no later than 15 months from the date your trip was canceled, for travel arrangements with Journese.). Future Travel Credits are non-transferable and not redeemable for cash.
 
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8. When does my Trip Cancellation Protection take effect?
 
Trip Cancellation Protection becomes effective at 12:01 a.m. on the day after We receive Your payment in full for this Plan.
 
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9. What are Pre-Existing Conditions? I was in the hospital a few months ago for tests. Can I still obtain coverage?
 
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.
You should call Trip Mate for answers to more specific questions. Please remember, if you pay for the plan with your initial deposit for your trip, the exclusion for Pre-Existing Conditions is waived and does not apply. See Plan Documents for full details. 
 
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10. Does the Journese Protection Plan cover me before or after a tour or cruise when I am traveling on my own?
 
The plan will not cover any travel arrangements that are not provided by Journese.
 
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11. If my Traveling Companion must cancel his or her Trip, am I covered?
 
A Traveling Companion, as defined under the terms of  Journese's Protection Plan, is a person or persons with whom you have coordinated travel arrangements and intend to travel with during your Trip.
If your Traveling Companion, as defined, cancels his or her Trip for a reason covered by the Journese Protection Plan, you are protected in two ways: 1) If you decide to take your Trip, the plan will cover any occupancy upgrade charges which you might incur; or 2) If you decide not to take your Trip, your cancellation penalties will be covered by the plan.  See Plan Documents for full details. 
 
 
If you have a specific question about the Journese Protection Plan, please contact Trip Mate.