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Travelex
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Answers
Q:
What is "Travel Protection" and why do I need it?
Travel Protection is a
combination of insurance coverages and travel assistance service;
when combined into a comprehensive package protects you and your
family before and during your trip. You invest a lot of time and
money when you travel. Doesn't it make sense to protect that
investment? Remember, no matter how well planned your trip is, the
unexpected can and often does occur. No one can predict the
future, but Travelex Protection Plans give you peace of mind so
you can enjoy your trip.
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Q:
Why do I need Trip Cancellation or Trip Interruption protection?
Every travel supplier
(Tour Operators, Hotels, Travel Agencies, Cruise lines or
Airlines) has cancellation penalties. You pay a deposit or final
payment toward a trip or vacation and these suppliers will apply
their published penalties to your trip. You will find the
published penalties more severe as your scheduled departure date
gets closer. These published penalties inform you that if you
cancel, the supplier will hold all or a large percentage of your
monies placed as down payment, deposit or final payment. You will
lose this money. Trip Cancellation and Interruption is designed to
reimburse you for your loss if you cancel or interrupt for a
covered reason.
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Q:
Why do I need a travel protection plan when I am covered by my
credit card's insurance policies?
Credit card insurance
policies may protect you for flight accidents, car rental damage
or for accidental death while traveling, but this protection is
usually only offered to you when you purchase your tickets with
that particular credit card. Travelex Protection Plans
provide comprehensive coverage including Trip Cancellation and
Interruption benefits. Remember that your hard-earned travel
investment may be lost to travel suppliers such as cruise lines
and tour operators if you cancel within their non-refundable
cancellation period.
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Q:
What is a Pre-Existing Condition?
Any injury, sickness or
condition of you, or your traveling companion, you and/or your
traveling companion's family member or your business partner which
within the sixty (60) day period prior to the effective date of
your protection plan coverage under this plan:
a) manifested itself, became acute or exhibited symptoms which
would have caused one to seek diagnosis, care or treatment;
b) required taking prescribed drugs or medicine, unless the
condition for which the prescribed drug or medicine is taken
remains controlled without any change in the required
prescription; or
c) required medical treatment or treatment was recommended by a
legally qualified physician.
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Q:
Does Travelex accept pre-existing conditions?
Yes - when you follow
these three simple steps:
1. Purchase the protection plan within 10 days from the date your
initial trip deposit is made.
2. Purchase coverage for the full cost of your trip.
3. To meet the 10-day requirement, fill out and submit the
enrollment form on this web site along with proper payment or call
our toll-free number at 1-888-457-4602.
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Q:
May I purchase this coverage up to the date of departure?
Yes, however pre-existing
conditions will apply if coverage is purchased more than 10 days
after the initial deposit is made.
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Q:
If I change my mind after enrolling in the protection plan, is it
refundable?
Yes, if you are not
completely satisfied within 10 days of purchasing the protection
plan, Travelex will refund your plan cost, as long as you have not
departed or filed a claim.
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Q:
My traveling companion cancels their trip because of an accident
and I still want to go on the trip, however there are additional
costs because of my traveling companion's cancellation. Will
Travelex Protection Plans cover these additional costs?
Yes, you are covered for a
single supplement upgrade when your traveling companion cancels or
interrupts a trip for a covered reason and you do not.
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Q:
What is the effective date of my Travelex Protection Program?
12:01 a.m. following the
date you submit (via the Internet) or phone your enrollment in
with the proper payment.
- Trip cancellation and
assistance services begin on your effective date
- Trip Delay/Missed
Connection begins on your departure date
- Flight Accident Plan
begins on the departure date or the date you transmitted your
enrollment with proper payment
- All other coverage's
(including Trip Interruption ) begin 12:01 a.m. on you
departure date or your effective date, whichever is later.
All coverages end when the
trip is completed or after the maximum trip length is reached,
whichever comes first.
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Q:
May I cancel my trip for any reason and receive my deposit or trip
cost back under Travelex Protection Plans?
No, all protection plans
have limitations and restrictions. Travelex does understand that
there are many unexpected reasons why you would need to cancel
your trip. Please review our Trip Cancellation information for a
complete list of covered reasons.
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Q:
I have Homeowner's and Medical Insurance; won't these policies
provide protection during my trip?
It is best to review your
current insurance programs and the coverage they offer when you
are traveling. Many HMO's and PPO's offer limited coverage when
traveling outside your networks. Medicare supplement benefits also
need to be reviewed to determine their exact benefits or lack of
benefits when traveling. Travelex Protection Plans offer primary
medical coverage because of the varying degree of limitations
offered by many medical plans. Homeowner's and rental policies
usually have large deductibles in the event of lost or stolen
baggage when traveling. You file with Travelex first and there are
no deductibles.
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Q:
I am planning a trip to a country that has had terrorist activity.
Will Travelex's Protection Program cover me to cancel or interrupt
my trip due to terrorism?
Terrorism is a reason to
cancel under Travelex Protection Plans. Remember that the United
States Department of State must issue a travel warning stating you
should not travel to this country or region for a period of time,
which includes your trip. If this warning is issued after your
effective date and covers your trip dates, then you may cancel or
interrupt.
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Q:
If I have made the final deposits on my family vacation and I am
laid off or fired by my employer, is this a covered reason to
cancel under Travelex's Protection Plan?
Travelex Protection Plans
do offer protection for cancellations due to terminations or
layoffs affecting you or a person sharing the same cabin or hotel
room. Remember that employment must have been with the same
employer for at least 3 consecutive years.
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Q:
May a foreign national purchase a Travelex Protection Plan?
Travelex Protection Plans
can be purchased by any traveler who is physically in the United
States at the time of purchase or any United States resident.
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