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Frequently Asked Questions
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Why Buy Travel Protection?You probably don't want to think about it...and no one wants to discourage you by talking about it, but the fact that travel involves some unique risks that are often beyond your control. Think about it. If you are like most Americans, a vacation is the largest investment you will ever make, next to the purchase of a house and car - are you willing to gamble with your vacation when you have hundreds, or even thousands of dollars at risk? Why Take A Chance? When you buy Travel Care no later than final payment, you automatically receive: Pre-Existing Condition Waiver. Pre-Existing Condition Exclusion Waiver One of the smartest things you can do to protect your vacation investment is to purchase Travel Care at final payment you receive the added protection of the Pre-Existing Condition Exclusion Waiver. You may be saying to yourself, "I'm not sick, I don't need coverage for a pre-existing condition." Well you may not be sick, but did you know that the Pre-Existing Condition Exclusion Waiver extends to your family as well? Consider the health status of your children, siblings, parents or grandparents or your inlaws. Are you certain they don't have health problems that will cause you to cancel or interrupt your trip? Can you afford to take that chance? Purchase Travel Care now! OUR PRICING
For trip costs over $10,000 please contact iwantacruise.com at (800) 935-2727 OUTLINE OF COVERAGES AND SERVICES Information You Need To Know By enrolling and paying your plan cost, you will enjoy the Travel Care services and insurance coverages described here. PLEASE NOTE: Benefits mentioned on this site are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all coverages and services. This page is not a contract of insurance. You will receive a Certificate of Insurance (or Policy for residents of certain states) and Description of 24-Hour Emergency Hotline Services which describes the benefits and limitations in detail. If you do not receive your documents before you leave on your trip, call CSA at (800) 348-9505. No agents or other person has the authority to make representations, offer interpretations, alter, modify or waive any of the provisions of this plan. We reserve the right to reject applications. The plan cost payment is non-refundable except as otherwise stated herein. General Provisions Your coverage for Trip Cancellation begins either the day after we receive your payment, or the day after your application is postmarked, whichever occurs first. Your other coverages and services begin either the date and time you actually start your trip, or 12:01AM of the scheduled departure date of your trip, whichever is later. All coverages and services end either midnight of trip completion date, or when you complete your trip, or when you reach your home, or when you cancel your trip, whichever occurs first. This plan is available to persons who pay the required plan cost prior to trip departure, and whose primary residence is in the United States or Canada. These coverages and services are designed to protect you from the specific listed unforseeable and unexpected events, not from circumstances known or likely to occur. 24-HOUR EMERGENCY HOTLINE SERVICES Provided by CSA's Designated Assistance Provider Once you have paid your premium receive a complete description of 24-Hour Emergency Hotline Service, along with the emergency hotline numbers to call for:
These services are only available through the Designated Assistance Provider. If you become sick or injured on your trip, the Assistance Provider will:
Underwritten By Commercial Union Insurance Company (CU) Trip Cancellation and Trip Interruption These coverages pay certain non-refundable expenses if your trip is cancelled or interrupted for the following covered reasons:
This coverage pays for certan extra transportation and accomodation expenses if your trip is delayed for 12 hours or more. Emergency Medical Expense Coverage This coverage reimburses you for certain expenses incurred due to sickness or injury which occurs while on your trip. This coverage is excess over any medical or health insurance available to you. *Coverage not available to Canadian residents. Baggage Loss Coverage Reimburses you if your baggage is lost, stolen, or damaged while on your trip. This coverage is secondary to any coverage provided by a common carrier. Baggage Delay Coverage If your baggage is delayed more than 24 hours, you will be reimbursed for the purchase of essential items. Exclusions The Certificate (or Policy) of Insurance details certain exclusions which apply to some or all coverages. Please read your Certificate or Policy carefully. |
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