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TRAVEL INSURANCE
Why Buy Travel Insurance?FAQs
Brief Description of Insurance Coverage
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WHY BUY TRAVEL INSURANCE?
We understand that your Trip can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment-buy travel insurance.
To demonstrate the importance of purchasing travel insurance, here are some common examples of what could go wrong.
- It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to catch up with your cruise?
- Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
- Your first trip to Brazil, your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
- If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
- You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?
- You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?
- You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?
Not all travel insurance companies are the same!
When purchasing travel insurance, it's important you look closely at the coverages and services you'll receive. Here is a quick summary of what makes AIG Travel Guard different than the competition:
- Policies to be issued within 24 hours of the application being received
- All phone calls answered within 30 seconds
- Assistance 24 hours a day, 7 days a week, 365 days a year
- A zero tolerance for customer dissatisfaction
Fast, fair claims service
You won't find a faster, more accurate claims process than you will with AIG Travel Guard. Our claims process standards include:
- All Claims reviewed by an experienced analyst within 24 hours
- Claims payment is finalized within 24 hours of receipt of final documentation
- 100% correct payments and calculations on all claims
The "Fairness Principle"
All denied claims are sent to a mediator for review and the mediator's decision is honored.
FREQUENTLY ASKED QUESTIONS
- Q. Does everyone need to purchase the insurance?
A. Our policy is on a per person basis. Each person only needs to cover their own trip arrangements. (Policies are sold per insured, not per booking.) - Q. What does this policy cover for cancellation?
A. The policy covers if you have an unforeseen sickness, injury or death of yourself, a family member or a traveling companion. The policy also covers for inclement weather, unforeseen labor strikes affecting public transportation, and unforeseen traffic accidents while en-route to departure. - Q. Can you cancel your trip for any reason?
A. Only certain unforeseen circumstances would be covered. A list of these circumstances is included in the Description of Coverage. - Q. What happens if someone not traveling becomes ill or passes away. Is this covered?
A. An illness of a family member not traveling with you would be covered, however, the same pre-existing clause would apply. The definition of a family member is included in the Description of Coverage. - Q. When does the coverage begin?
A. The coverage for trip cancellation begins at 12:01 am the day after the premium is submitted. All other benefits become effective the date and time the insured starts their trip. - Q. How do I file a claim?
A. Call our toll-free number, 1.866.385.4839 24 hours a day, 7 days a week. A representative will review and complete a claim form for you and explain what needs to be provided in order to pay your claim. The form will then be faxed or mailed to you for signature and to provide the appropriate documents.
We provide travel insurance coverage and assistance through AIG Travel Guard one of the world's largest providers of travel insurance and assistance. The following plans are available:
BRIEF DESCRIPTION OF INSURANCE COVERAGE
- Trip Cost Trip Cancellation & Interruption - Reimburses for forfeited, nonrefundable, unused payments or deposits if you must cancel your trip due to a covered illness, injury, or death of you, an immediate family member, or traveling companion or for other covered reasons.
- $500 Travel Delay - Reimburses up to $100 per day if your trip is delayed for more than 12 hours for reasonable additional expenses until travel becomes possible.
- $1000 Baggage & Personal Effects - Reimburses you if your luggage is lost, damaged, or stolen while you are on your trip.
- $200 Baggage Delay - Reimburses you for the purchase of essential items if your bags are delayed for more than 24 hours.
- $15,000 Medical Expense - Covers necessary medical expenses up to one year after the sickness or injury, provided you sought initial medical treatment while on your trip.
- $50,000 Emergency Medical Transportation - Covers evacuation and transportation to the nearest adequate medical facility.
- $25,000 Accidental Death & Dismemberment - Covers death and loss of limb or eyesight within 180 days.
- AIG Travel Guard® Assist - Offers emergency assistance for your peace of mind anywhere in the world.
- LiveTravel - 24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more!
- Live messaging - Relay of any e-mail or phone message to family, friends or business associates.
- Emergency Cash transfers - Assistance in coordinating an emergency cash advance.
- Pre-trip travel advisories - Around-the-clock access to passport, visa, inoculation and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information - all for your planned destination.
- FREE Lost Baggage Tracking - Assists in locating lost or stolen possessions - free for one year!
Premium:
5% of Trip Cost
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