Frequently Asked Questions
You’ve got questions about travel protection. We have the answers.
Find answers to the most commonly asked travel protection questions below. Have a question not answered here? Give us a call at 1.844.777.6856 and one of our Customer Service Representatives will be happy to help you.
The Trip Interruption Benefit reimburses you for unused land or water travel arrangements, plus additional transportation costs to join your trip if you must depart after your scheduled departure date, or rejoin your trip when you must interrupt your trip for a covered reason.
The Trip Cancellation coverage reimburses you for unused, non-refundable, pre-paid trip costs if you must cancel your trip for a covered reason. The covered reason that causes you to cancel must occur after your effective date and prior to your cancellation and scheduled trip departure.
Travel protection is designed to cover both you and the cost of your travel arrangements against a variety of unforeseeable reasons that may affect you or your travel plans.
Emergencies can happen when you least expect it. Our travel protection provides coverage for Trip Cancellations, Trip Interruptions, Accident & Sickness Medical Expenses, Emergency Evacuations and Repatriations, Baggage and Personal Effects, Baggage Delays, Travel Delays and more. Plus, we offer our exclusive Non-Insurance 24-hour Traveler Assistance Service provided by Generali Global Assistance to help you with emergency situations that arise during your trip.
Many travel products are non-refundable, and some of the best airline and cruise deals may come with few options if you can’t actually take your trip. Last month you reserved space on a Caribbean cruise. A few weeks later a family member became critically ill.
Important Tip! Many people only consider their own health when deciding about travel protection. Younger people may assume that because they are healthy, travel protection is not needed. But what about parents, grandparents, children, grandchildren, aunts and uncles? Remember our travel protection provides Trip Cancellation and Trip Interruption coverage if you or any of these family members, become sick or injured causing you to cancel your trip.
For a variety of reasons, it is prudent to purchase travel protection when you first book your trip (i.e. make your first payment for travel arrangements).
Why? Many travel protection plans contain one or more time sensitive provisions that broaden coverage. The time sensitive provisions which are included in our plans apply to several coverage enhancements, such as the Waiver of Pre-Existing Conditions Exclusion and Cancellation For Any Reason Benefit.
Important Tip! By purchasing your plan within 21 days of the date your initial trip payment is received you can receive better coverage for the same price.
There are three convenient, easy ways for you to purchase a Trip Mate plan, online at scenicgroup.tripmate.com, through a participating travel agent or by calling our Customer Service Department at 1.844.777.6856.
Although there are a great many covered reasons for Trip Cancellation, not every possible reason is covered. Travel protection plans generally do not cover a change of mind or other similar discretionary reasons.
Our Deluxe Plus Plan offers a Cancellation For Any Reason benefit which allows the traveler freedom to cancel a trip for any reason not otherwise covered by the plan (you must cancel two (2) days or more before the scheduled departure date) and this plan provides reimbursement for 75% of the unused non-refundable trip cost insured. Of course, if a trip is canceled for a covered reason, then reimbursement would be at 100% of the trip cost insured under the Trip Cancellation coverage.
Important Tip! The Cancellation For Any Reason Benefit is time sensitive and must be purchased within 21 days of the date of the initial deposit or payment for the trip is received. This benefit is available with the Deluxe Plus plan. Additional terms apply. Not Available to NY Residents.
You should protect the full cost of all of your non-refundable air, land or cruise travel arrangements.
For example, many first class airline tickets, and some business class tickets are fully refundable. You should only buy travel protection for the full cost of your non-refundable travel arrangements. Non-cash transactions such as frequent traveler awards, early bird discounts etc, generally cannot be covered as these items have no cash value.
Important Tip! You should always insure the full cost of any non-refundable travel arrangements.
You should provide your current age at time of purchase.
Under the Trip Cancellation and Cancel for Any Reason Benefit, coverage begins at 12:01am on the day after for the plan. For most other coverages, coverage begins when you depart on your first travel arrangement.
Extension of Coverage: All coverages under this Plan will be extended if Your entire Trip is covered by this Plan and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled return destination or 10 days after the Scheduled Return Date.
A “Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date your coverage is effective for which you or your traveling companion, business partner or family member scheduled or booked to travel with you: (1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or (2) took or received a prescription for drugs or medicine.
Item #2 of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under your plan.
If throughout the 60 day pre-existing period, your condition is stable (i.e. no other treatments, tests, or diagnostic exams), and your medication remains unchanged, this would not be considered a pre-existing medical condition.
My traveling companion is unable to travel with me, however I still want to travel, what should I do?
If you would like to take your trip without your traveling companion, you can be reimbursed if you incur occupancy upgrade charges, provided your traveling companion has canceled or interrupted his or her trip for a covered reason.
The Travel Delay benefit covers reasonable accommodation, meals and local transportation due to common carrier delay of 12 hours or more while enroute from your trip.
Our plans reimburse (up to the plan maximum benefit amount) additional transportation costs to join your trip and unused portions of prepaid land or water travel arrangements.
This benefit applies if you miss your tour or cruise departure because your arrival at your trip destination is delayed 3 hours or more due to:
- any delay of a common carrier;
- a documented weather condition prevented you from getting to the point of departure; or
- quarantine, hijacking, strike, natural disaster, terrorism or riot.
Coverage is available (up to the amount listed in the schedule) for baggage and personal effects, passports and visas (lower limit) that are lost, stolen, or damaged during your covered trip.
Our plans also provide a Baggage Delay Benefit. This benefit reimburses the cost of reasonable additional clothing and personal articles purchased by you (up to the amount listed in the schedule of benefits) if your baggage is delayed 24 hours or more while on your trip.
You may cancel and return your plan documents within the 14-day free look period and your payment will be refunded. Provided you have not already departed on your trip or filed a claim.
Yes, you should always take your Plan Documents with you, and you should read your documents as soon as you receive them to make sure the information is accurate.
Plan Documents explain the plan benefits, limitations, conditions and exclusions. The Schedule Of Benefits contains the maximum benefit amounts of each coverage included in the plan purchased.
A word or phrase is capitalized because the word or phrase is defined in the Plan Documents.
Please call us with all of the details and we will be happy to assist you. You may call 1.844.777.6856. We may request documentation regarding your changes.
You may contact our assistance provider to help you in emergency situations. The assistance providers contact information is included in the Plan Document and on your Purchase Confirmation.