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. What happens if my flight is delayed or canceled?
 
2. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by the Monograms Travel Protection Plan?
 
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 Monograms Travel Protection Plan cover me if I cancel my Trip?
 
5. How do I file a claim?
 
6.Does the Monograms Travel Protection Plan cover my frequent flyer miles?
 
7.What happens if I lose my job and I must cancel my Trip?
 

Frequently Asked Questions

1. What happens if my flight is delayed or canceled?
 
The Monograms Travel 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 $1,000 for your Additional Transportation Cost to join your Trip and for the cost of any unused land or water Travel Arrangements. See policy/certificate for full details. 

You will also be reimbursed up to $150 per day to a maximum of $1,000 for any additional accommodation and travel expense if you incur a delay of 12 hours or more for a covered reason during your Trip. See policy/certificate for full details.
 
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2. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by the Monograms 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 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 policy/certificate for full details.

IMPORTANT! - The exclusion for Pre-Existing Conditions will be waived if the payment for the plan is received by Monograms with your initial deposit/payment for 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. What if bad weather is predicted where I plan to travel? Will the Monograms Travel Protection Plan cover me if I cancel my Trip?
 
The Monograms Travel Protection Plan does not provide coverage if you cancel your Trip based upon what may or may not happen.

Remember, the Travel Protection Plus allows you to cancel your vacation up to 24 hours (or the prior business day, whichever is farther out) before your scheduled departure for ANY REASON. For complete details of the Cancel For Any Reason Waiver Benefit, see policy/certificate for full details.
 
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5. 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.
 
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6. Does the Monograms 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.
 
 
7. What happens if I lose my job and I must cancel my Trip?
 
The Monograms Travel 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.
 
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If you have a specific question about the Monograms Travel Protection Plan, please contact Trip Mate.