|
|
Travel Protection Plan - Insurance by World Access |
| Jump to: Travel Protection Plan | Plan Benefits | FAQ's | Description of Coverage | Claim Forms | Contact Us |
Travel Protection Plan (Insurance) |
|
When planning a trip, no one likes to think about all of the things that can go wrong. Unfortunately, in many instances, these setbacks are unavoidable. To help you handle unforeseen travel headaches, we recommend buying the Travel Protection Plan, a low-cost travel insurance plan offered through World Access. To read the Description of Coverages, click here.
*Maximum coverage available is $20,000 |
| Plan Benefits |
|
Trip Cost Protection Trip Cancellation/Interruption**: Coverage provides financial protection for expenses related to trip cancellation or interruption caused by a covered reason. Trip Cancellation coverage provides reimbursement for prepaid, non-refundable expenses, up to the amount of coverage purchased. Trip Interruption coverage offers reimbursement for the unused, non-refundable portion of the trip and increased transportation costs to return home due to a covered reason. Travel Delay**: Offers reimbursement to cover additional accommodation and travel expenses due to a delay of at least 6 hours. Covered reasons for travel delay include carrier caused delays (including bad weather) and unannounced strikes. Payments may not exceed $150 per person per day. Medical Protection Emergency Medical/Dental**: Coverage provides benefits for emergency medical or dental expenses incurred during the coverage period. Services must be provided by a licensed provider and must take place during the trip. Emergency Medical Transportation: Pays for emergency medical transportation services as a result of an injury or illness to have the traveler moved to the nearest appropriate facility. Once you are able, we will also have the traveler returned home. Travel Accident Insurance**: Provides coverage up to the maximum amount listed on the brochure for loss of life, limb or eyesight within 365 days of a covered accident. Baggage Protection Baggage Coverage**: Provides benefits for loss, damage or theft of baggage and personal effects provided all reasonable measures to protect, save and/or recover property are taken. Coverage is secondary to coverage provided by a common carrier. Baggage Delay**: Covers the reasonable additional purchase of essential items if baggage is delayed or misdirected by a common carrier for 24 hours or more. Assistance Services 24 Hour Emergency Travel & Medical Assistance: Our multilingual representatives are on call 24 hours a day to help you solve a variety of problems, from replacing lost tickets and travel documents to making cash transfers. ** Insurance is provided under a Master Policy issued by BCS Insurance Company. Certain Limitations & exclusions apply. |
| Frequently Asked Questions |
Why should I purchase Gate 1 Travel Protection Plan? You need travel protection because it lets you travel with a strong sense of security. Gate 1 Travel Protection Plan insures your financial investment (up to the amount of your policy limits) should your trip be cancelled or interrupted for a covered reason, and it guards your health in case of medical emergencies. Here are a few of the benefits you'll enjoy:
When should I purchase Trip Protection? Trip Protection may be purchased at the time of your initial deposit or with your final payment. Once final payment has been made, Trip Protection cannot be added. Won't my credit card, homeowner's policy, or medical insurance give me the coverage I need when I'm traveling? Not necessarily. You should check these policies before you travel to assess just how you would be covered in case you have an emergency.
What will the 24-hour hotline service do for me? World Access’ 24-hour hotline is staffed with multilingual specialists who can help you with all types of situations from anywhere in the world, from reporting lost baggage to getting emergency medical treatment. They can also help you replace passports, refer you to legal assistance, secure cash in case of emergency and guarantee payment to gain admission into a hospital. Can I cancel my trip for any reason and get all my money back? No. Trip Cancellation coverage refunds prepaid, nonrefundable payments if you have to cancel your trip for one of the reasons covered by your policy. Covered reasons include the following: sudden medical emergencies, severe weather, terrorist incidents, and jury duty. Changing your mind about taking a trip or having certain business obligations are not covered. If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the occurrence, otherwise the right to compensation will lapse. What is included under non-refundable costs? Non-refundable costs include the total sum of all of your trip payments that would be forfeited due to cancellation prior to trip departure. Some examples include cruise, tour and airline ticket costs. Be sure to consult your travel coordinator to determine what costs are non-refundable for your particular trip as cancellation policies vary. Are there events or medical conditions that aren't covered? Every travel protection plan contains restrictions and limitations. For information about what your coverage includes, click here for full Description of Coverages. Who provides the insurance for these programs? The insurance coverage you get when you purchase travel protection from World Access is provided under a master policy that's issued by BCS Insurance Company. BCS is rated A- "Excellent" by A.M. Best and Company. Your insurance comes with certain limitations and exclusions. What is a pre-existing condition? A pre-existing condition is any injury occurring prior to and including the effective date of this insurance and any illness occurring during the 120 days prior to and including the effective date of this insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment. If the condition is controlled (that is, if you don't need to change your medication or treatment during the 60- or 120-day period), it's not considered a pre-existing condition. What is the pre-existing conditions exclusion? The program does not cover losses or expenses if they result from: any injury occurring to you, a traveling companion, or a family member during the 120 days prior to and including the effective date of insurance; any illness occurring to you, a traveling companion, or a family member during the 120 days prior to and including the effective date of insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment. |
| Claim Forms |
|
The following forms and links are provided for your convenience in the event of a claim. |
| Contact Us |
|
For Customer Service call: 1-800-209-9063 For Emergency Assistance during your trip call: 1-866-520-8805 1-519-742-7562 |
