No. Trip Cancellation coverage refunds prepaid,
nonrefundable payments only if you have to cancel your trip for one
of the reasons covered by your policy. Covered reasons include the
following: sudden medical emergencies, bankruptcy of a cruise line or
tour operator, terrorist incidents, and being called for 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.
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What is an existing medical condition?
An existing medical condition is an illness or injury that you, a traveling companion or family member were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it.
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What is the existing medical conditions exclusion?
The program does not cover losses or expenses if they result from an illness or injury that you, a traveling companion or family member were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it.
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If I have an existing medical condition, can I still purchase insurance?
Yes. On select products, we offer existing medical condition coverage. In order to have the existing medical condition covered, you must meet the following criteria:
- you must purchase your plan within 14 days of making your first trip payment or first trip deposit
- you must purchase trip cancellation coverage that covers the full cost of all your non-refundable trip arrangements
- you must be a U.S. resident and be medically able to travel on the day you purchase the plan, and
- the total cost of your trip should not exceed the maximum amount allowed for the product that you are purchasing. Please refer to the product's terms and conditions for details.
Please also note that you may still be covered for losses caused by other reasons other than those related to an existing medical condition. See the Certificate of Insurance / Policy for details.
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What does Medically Able mean?
Medically Able means that, at the time of purchase of insurance, you had no illness
or injury (of which a prudent person would reasonably know or be aware) that would
prevent or substantially interfere with your ability to travel.
Some factors to consider when determining if your condition prevents or substantially
interferes with your ability to travel, include: 1) whether you recently had a
significant change in medication, 2) whether you require medical assistance or ongoing
treatment, or 3) whether you have a medical procedure scheduled in the period between
your trip purchase and planned departure dates (for which continuing side effects are
known or likely to occur).
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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.
Examples:
- Cruise -
If a cruise costs $3,000 and the cruise policy is 50% loss at 90 days out,
75% loss at 45 days out and 100% loss up to 7 days within departure, you would
need to insure for the full $3,000 since you would be out the full amount in the
event you cancelled within the week before departure.
- Airline -
If an airline ticket costs $700, and the ticket is 100% non-refundable at the
time of purchase, you would need to insure for the full $700 in order to qualify
for the existing medical conditions waiver (other requirements still apply).
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When is the best time to purchase travel protection in order to be covered?
You can buy travel protection
up until the day before you leave on your trip.
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Are there
events or medical conditions that are not covered?
Every insurance plan
contains restrictions and limitations. For more information, click on
any of the named insurance benefits in blue above. Or Contact Us
to receive more detailed information.
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Who provides
the insurance for these programs?
Insurance coverage is provided under Form No. 52.401 or 52.201 issued by BCS Insurance Company or Form No. 101-C-XX-01 or 101-P-XX-01 issued by Jefferson Insurance Company. Certain restrictions, limitations and exclusions may apply. Please refer to the Terms & Conditions for complete details.
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Definitions
Collision/Loss Damage for Rental
Cars - Coverage that protects renters from having to pay for
the loss or damage to a rental car is available for travelers around the
world. Coverage is provided for a maximum of 45 consecutive days. Certain
restrictions and limitations apply.
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Emergency Medical/Dental Expense
- Provides benefits for covered expenses incurred during your trip that
are related to the cost of care and supplies needed by a licensed doctor,
hospital or dentist if you experience a medical or dental emergency while
traveling.
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Emergency Medical Transportation
- Refers to the air and/or ground transportation services required
as a result of an injury or illness while you are traveling. Access
America can arrange to move you to a more appropriate facility
or back home after you have stabilized. The expenses incurred
can be paid by Access America up to the maximum level of coverage
available.
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Lost, Stolen or Delayed Baggage
- If your checked baggage is delayed or misdirected for at least 24
hours by a common carrier, you can receive coverage for the purchase
of essential items. And if your bags never show up, you can be reimbursed
for the lost items. Certain items are not covered and there are limits
on the maximum levels of coverage you can receive.
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Existing Conditions Exclusion Waiver
-
Please refer to the "Terms
and Conditions" for a full explanation of the existing
Conditions Exclusion and waiver.
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Travel Delay -
Provides benefits to help defray the cost of additional accommodations
and traveling expenses that you might incur if your trip is delayed for
a covered reason for 12 hours or more. Covered reasons for travel delay
include carrier delays caused by mechanical problems.
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Trip Cancellation/Interruption
- Trip cancellation provides reimbursement of covered nonrefundable
trip payments or deposits if your trip is cancelled prior to departure
for one of the covered reasons. Trip interruption provides reimbursement
for covered expenses resulting from a trip interruption which occurs
after departure. Covered expenses include those related to transportation
and lodging. If your ability to travel is affected by one of the events
listed below you may be eligible to receive benefits:
- Unforeseen accidents, injuries or death
- Active military duty
- Bad weather
- Felonious assault
- Fire or flood of
your home
- Hijacking
- Jury duty
- Quarantine
- Natural disaster
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Travel Resources
We've assembled these
handy links of travel resources to assist in your travel planning.
If you have any recommendations for other sites to include, please
e-mail us at e.answers@accessamerica.com
Weather, Travel and Health
Information
Resources and Guidebooks
Articles
Search Engines
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