Frequently Asked Questions
by Travelers
Here are some Frequently Asked Questions about the GroupAdvantage Plans:
Please note that a final claims determination is made based upon the Description of Coverage/Policy provisions and the written documentation we receive with the claim submission.
Index
4. What if a traveler doesn't want to take a Trip because of a Terrorist Incident?
6. What happens if bags do not arrive at the destination on time?
8. If a traveler requires medical care while on a Trip, is there coverage for his or her medical bills?
9. If a travel supplier ceases operations or becomes financially insolvent, is the traveler covered?
10. Do the GroupAdvantage Plans provide coverage for the traveler's frequent flyer miles?
11. What if a traveler doesn't want this Trip Protection Plan?
Frequently Asked Questions: the Answers
1. Who may purchase a GroupAdvantage Plan?
GroupAdvantage Plans are only available for: 1) citizens or residents of the United States; 2) trips of 30 days or less duration and 3) trips costing $25,000 or less per person. Eligibility for purchase will be confirmed on all claims. If it is determined that a person or trip is not eligible for coverage as detailed above, any claim for benefits will be denied and the plan payment will be refunded.
2. Should the traveler include in the insured Trip Cost the value of any certificate, voucher or discount used to purchase the Trip?
Trip Cancellation and Trip Interruption Provides reimbursement for unused, non-refundable, pre-paid trip costs if you are prevented from taking your trip due to a covered reason. Payments made in the form of a certificate, voucher or discount are not covered by the Plan and should not be included in the insured trip cost.
3. What are Pre-Existing Conditions and can a Pre-Existing Condition be covered by the GroupAdvantage Plans?
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 the traveler's effective date for the plan purchased are Pre-Existing Conditions. The GroupAdvantage Plans exclude a traveler's Pre-Existing Conditions and those of a Traveling Companion, or Family Member traveling with the traveler. 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 the traveler's effective date are not considered to be Pre-Existing Conditions. Click here for complete details about Pre-Existing Conditions.
Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the Effective Date of Your coverage 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; 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 Your coverage is effective under this plan.
IMPORTANT!
The Plan can provide coverage for Pre Existing Conditions provided: 1) the traveler's plan payment is received within 15 days of the initial deposit for the Trip; 2) the booking for the Trip is the traveler’s first and only booking for this travel period and destination; and 3) the traveler is not disable from travel at the time he/she made the payment for the Plan.
4. What if a traveler doesn't want to take a Trip because of a Terrorist Incident?
The GroupAdvantage Plans, allow a traveler to cancel or interrupt a Trip due to a Terrorist Incident, provided:
1) the Terrorist Incident occurs in a city listed on the itinerary for the Trip; and
2) the Terrorist Incident occurs within 30 days of the Scheduled Departure Date for the Trip.
5. What if inclement weather is predicted where the group plans to travel? Will the GroupAdvantage Plans cover a traveler if he or she cancels his or her Trip?
The Trip Cancellation and Trip Interruption Benefits do not provide coverage if the traveler cancels or interrupts his or her Trip based upon what might happen.
6. What happens if bags do not arrive at the destination on time?
The GroupAdvantage Plans cover baggage delays of more than 12 hours during the Trip. A traveler will be reimbursed for personal articles purchased, such as toiletries, a change of clothing, etc., up to the amount shown in the Schedule. Be sure the traveler keeps the receipts for any items purchased.
As long as the travelers have not left on their trip or filed a claim, the plan cost is refundable only within the alloted free look period.
8. If a traveler requires medical care while on the Trip,is there coverage for his or her medical bills?
The GroupAdvantage Plans provide coverage up to the Plan limits for medical expenses resulting from a sickness or injury during the Trip. The plan also provides coverage if a traveler must be medically evacuated to another facility or home. Click here for complete details of this coverage.
Benefits will be paid for covered Medical Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, subject to the following: 1) covered Medical Expenses will only be payable at the Usual and Customary level of charges; 2) benefits will be payable only for covered Medical Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on Your Trip; and 3) only Medical Expenses incurred during Your Trip will be reimbursed. Medical Expenses incurred after You return from Your Trip are not covered. Benefits will include up to $750 for expenses incurred during Your Trip for emergency dental treatment. Dental expenses incurred after Your Trip is completed are not covered.
Medical Expenses: means expenses incurred only for the following:
1. medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for treatment;
2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip), if recommended by Your attending Physician and approved by Us or Our Program Assistance Provider as a substitute for a hospital room for recovery from Your Injury or Sickness;
3. local Transportation Expense to and/or from a Hospital.
The GroupAdvantage Plans also include a 24-hour worldwide assistance service to help the traveler with medical or legal emergencies during the Trip. Click here for complete details of this service.
With travel services from Generali Global Assistance, help is only a toll free phone call away within the United States at (833) 508-0348 or collect from anywhere in the world at (754) 210-2741.
When you are traveling, you have access to these Travel Support and Assistance Services:*
• Travel Information Services
• Travel Support Services
• Concierge Services
*Assistance Fee's are included in the total plan cost
9. If a travel supplier ceases operations or become financially insolvent, does the traveler have coverage?
The GroupAdvantage Plans provide coverage due to Financial Insolvency of an airline, cruise line, tour operator or travel, camp or program provider (other than an organization or firm from whom the traveler purchased Travel Arrangements supplied by others), provided: the plan was purchased prior to or within 24 hours of final payment for their trip.
The GroupAdvantage Plans do not provide coverage for Financial Insolvency of an airline, cruise line, tour operator, or travel, camp or program provider for which a petition for bankruptcy was filed prior to a traveler's effective date for Trip Cancellation Benefits.
10. Do the GroupAdvantage Plans cover frequent flyer miles?
Frequent flyer miles are not covered under the Trip Cancellation and Trip Interruption Benefits. If a traveler cancels his or her Trip for a covered reason, he or she will only be reimbursed the money actually paid for the Trip.
When insuring your trip cost at the time of purchase, you are able to include the fee to reinstate frequent flyer miles, if those are being used. In the event a traveler had to cancel their trip due to a covered reason, a claim could than be filed to seek reimbursement for the fee charged to reinstate the frequent flyer miles.
11. What if a traveler doesn't want this Trip Protection Plan?
If you have a specific question about the GroupAdvantage Plans, please contact TripAssure GroupAdvantage .