Welcome! We have created an outstanding insurance policy designed exclusively for bank travel clubs. We offer more coverage than most policies and at a fraction of the price.
Benefits
Single Premium based on cost of trip
No pre-qualification
No surcharges for age or single passengers
Pre-Existing Medical Condition Coverage*
*Premium must be paid within 14 days of initial trip deposit
Program Administration
As a Travel Club Manager, we know your time is valuable and so we minimized the adminstration of this program for you. On a monthly basis, you will be required to submit to TRAVELes a listing of the persons who have purchased insurance, their dates of travel and destination, along with the premium you are submitting. Brochures will be supplied for each traveler that details the coverage provided and includes a toll-free number, claims procedures and more.
Report Claims directly to Trip Mate Insurance Agency
Complete and sign a claim form provided by Trip Mate and return with any required documentation, etc
The Traveler can expect a payment of the claim within 3-5 working days once the necessary information is received.
As Club Directors, you are not insurance experts, and thus, should never attempt to answer quesitons concerning coverage provisions, exclusions, etc. Direct them to Trip Mate Insurance Agency 800-888-7292 Monday through Friday 8:00 AM - 5:00 PM Central Standard Time
If you have any questions or would like more information about this program, please contact us.
For more detailed pricing and coverage information, please download the Sales Guide
The actual policy is available below.
POLICY INFORMATION
Bank Travel Management - Travel Protection Plan - 12/03
Travel
Insurance Certificate
Bank Travel Management
Waiver of the Pre-Existing Condition Exclusion The Pre-Existing Condition Exclusion is waived provided you meet the
following requirements: 1) the premium for the coverage is received by
Bank Travel Management within 14 days of the initial deposit/payment
for your Trip and 2) you are not disabled from travel at the time you
pay your premium.
Please Note: This policy may not be purchased
after you have made final payment for your Trip.
Description of Coverages
Schedule: Bank Travel Management
Benefit
Maximum Benefit
Amount
Accidental Death
and Dismemberment
$25,000
Medical Expense/Emergency
Assistance
$25,000
Accident and Sickness Medical
Expense
Included
Emergency Evacuation and Repatriation
Included
Pre-Departure Trip
Cancellation
Up To Trip Cost
Post-Departure Trip
Interruption
Up To Trip Cost
Travel Delay (Up to
$100 Per Day)
$500
Baggage and Personal Effects
$1,000
Baggage Delay
$100
Who Is Eligible For Coverage?
A person who has arranged to take a Trip, and pays the required premium,
and is a citizen or resident of the United States of America or Canada.
When Coverage Begins
All coverages (except Pre-Departure Trip Cancellation and Post-Departure
Trip Interruption) will take effect on the later of 1) the date the
premium has been received by Bank Travel Management; 2) the date
and time you start your Trip; or 3) 12:01 A.M. Standard Time on the
Scheduled Departure Date of your Trip.
Pre-Departure Trip Cancellation coverage will take effect on the
date your premium is received by Bank Travel Management.
Post-Departure Trip Interruption coverage will take effect on the
Scheduled Departure Date of your Trip if the required premium payment
is received.
When Coverage Ends
Your coverage automatically ends on the earlier of: 1) the date the
Trip is completed; 2) the Scheduled Return Date; 3) your arrival
at the return destination on a round-trip, or the destination on
a one-way trip; 4) cancellation of the Trip covered by the Policy.
Termination of the policy will not affect a claim for loss that occurs
after premium has been paid.
All coverages under the policy will be extended if your entire Trip
is covered by the policy and your return is delayed by unavoidable
circumstances beyond your control. If coverage is extended for the
above reasons, coverage will end on the earlier of the date you reach
your originally scheduled return destination or seven (7) days after
the Scheduled Return Date.
Please see the Definitions for
an explanation of Pre-Existing Conditions which are excluded under
the Pre-Departure Trip Cancellation, Post-Departure Trip Interruption,
Travel Delay and Medical Expense/Emergency Assistance Benefits.
(Unless this exclusion is waived, see
the Waiver of the Pre-Existing Condition Exclusion for details).
Summary of Coverages
Accidental
Death and Dismemberment
We will pay this benefit up to the amount on the Schedule if you are
injured in an Accident which occurs while you are on a Trip and covered
under the policy, and you suffer one of the losses listed below within
365 days of the Accident. The Principal Sum is the benefit amount shown
on the Schedule.
Loss:
Percentage
of Principal Sum Payable:
Life
100%
Both Hands; Both Feet or Sight
of Both Eyes
100%
One Hand and One Foot
100%
One Hand and Sight of One Eye
100%
One Foot and Sight of One Eye
100%
One Hand; One Foot or Sight of
One Eye
50%
If you suffer more than one loss from one Accident,
we will pay only for the loss with the larger benefit. Loss of a hand
or foot means complete severance at or above the wrist or ankle joint.
Loss of sight of an eye means complete and irrecoverable loss of sight.
Medical
Expense/Emergency Assistance
We will pay this benefit, up to the amount on the Schedule for the
following Covered Expenses incurred by you, subject to the following:
1) Covered Expenses will only be payable at the Usual and Customary
level of payment; 2) benefits will be payable only for Covered Expenses
resulting from a Sickness that first manifests itself or an Injury
that occurs while on a Trip; 3) benefits payable as a result of incurred
Covered Expenses will only be paid after benefits have been paid under
any Other Valid and Collectible Group Insurance in effect for you.
We will pay that portion of Covered Expenses which exceed the amount
of benefits payable for such expenses under your Other Valid and Collectible
Group Insurance provisions.
Covered
Expenses:
(1) expenses for the following Physician-ordered medical services: services
of legally qualified Physicians and graduate nurses, charges for Hospital
confinement and services, local ambulance services, prescription drugs
and medicines, and therapeutic services, incurred by you within one year
from the date of your Sickness or Injury during a Trip;
(2) expenses for emergency dental treatment incurred by you during a
Trip;
(3) expenses incurred by you for Physician-ordered emergency medical
evacuation, including medically appropriate transportation and necessary
medical care en route, to the nearest suitable Hospital, when you are
critically ill or injured and no suitable local care is available, subject
to the Program Medical Advisors’ prior approval;
(4) expenses incurred for non-emergency medical evacuation, including
medically appropriate transportation and medical care en route, to a
Hospital or to your place of residence in the United States of America
or Canada, when deemed medically necessary by the attending Physician,
subject to the Program Medical Advisors’ prior approval;
(5) expenses for transportation not to exceed the cost of one round-trip
economy class air fare to the place of hospitalization for one person
chosen by you, provided that you are traveling alone and are hospitalized
for more than 7 days;
(6) expenses for transportation not to exceed the cost of one-way economy
class air fare to your place of residence in the United States of America
or Canada, including escort expenses, if you are 18 years of age or younger
and left unattended due to the death or hospitalization of an accompanying
adult(s), subject to the Program Medical Advisors’ prior approval;
(7) expenses for one-way economy class air fare (or first class, if your
original tickets were first class) to your place of residence in the
United States of America or Canada, from a medical facility to which
you were previously evacuated, less any refunds paid or payable from
your unused transportation tickets, if these expenses are not covered
elsewhere in the policy;
(8) repatriation expenses for preparation and air transportation of your
remains to your place of residence in the United States of America or
Canada, or up to an equivalent amount for a local burial in the country
where death occurred, if you die while outside the United States of America
or Canada.
Pre-Departure
Trip Cancellation
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount
in the Schedule if you are prevented from taking your Trip due to your,
an Immediate Family Member’s, Traveling Companion’s, or
Business Partner’s Sickness, Injury, or death, that occurs before
departure on your Trip. The Sickness or Injury must: a) commence while
your coverage is in effect under the policy; b) require the examination
and treatment by a Physician at the time the Trip is canceled; and
c) in the written opinion of the treating Physician, be so disabling
as to prevent you from taking your Trip. We will pay a benefit if you
are prevented from taking your Trip due to Other Covered Events, as
defined, that occur before departure on your Trip.
Pre-Departure Trip Cancellation Benefits: We
will reimburse you, up to the amount in the Schedule for the amount
of prepaid, forfeited, non-refundable Payments or Deposits that you paid
for your Trip. We will pay your additional cost as a result of a change
in the per person occupancy rate for prepaid travel arrangements if a
Traveling Companion’s Trip is canceled and your Trip is not canceled.
Post-Departure Trip
Interruption
We will pay a Post-Departure Trip Interruption Benefit, up to the
amount in the Schedule, if:
1) your arrival on your Trip is delayed beyond the Scheduled Departure
Date; or
2) you are unable to continue on your Trip after you have departed
on your Trip due to your, an Immediate Family Member’s, Traveling
Companion’s, or Business Partner’s Sickness, Injury,
or death.
For item 1) above, the Sickness or Injury must: a)
commence while your coverage is in effect under the policy; b) for item
2) above, commence while you are on your Trip and your coverage is in
effect under the policy; and c) for both items 1) and 2) above, require
the examination and treatment by a Physician at the time the Trip is
interrupted or delayed; and d) in the written opinion of the treating
Physician, be so disabling as to delay your arrival on your Trip or to
prevent you from continuing your Trip.
We will pay a benefit if: 1) your arrival on your Trip is delayed beyond
the Scheduled Departure Date; or 2) you are unable to continue on your
Trip after you have departed on your Trip due to Other Covered Events,
as defined.
Post-Departure Trip Interruption Benefits:We
will reimburse you, less any refund paid or payable, for unused land
or water travel arrangements, plus one of the following:
(1) the additional transportation expenses by the most direct route
from the point you interrupted your Trip: a) to the next scheduled
destination where you can catch up to your Trip; or b) to the final
destination of your Trip; or
(2) the additional transportation expenses incurred by you by the most
direct route to reach your original Trip destination if you are delayed
and leave after the Scheduled Departure Date.
However, the benefit payable under (1) and (2) above will not exceed the cost
of a one-way economy air fare (or first class, if the original tickets were first
class) by the most direct route less any refunds paid or payable for your unused
original tickets.
(3) your additional cost as a result of a change in the per person occupancy
rate for prepaid travel arrangements if a Traveling Companion’s Trip is
interrupted and your Trip is continued.
Travel
Delay
If your Trip is delayed for 12 hours or more, we will reimburse you,
up to the amount shown in the Schedule for reasonable additional expenses
incurred by you for hotel accommodations, meals, telephone calls and
local transportation while you are delayed. We will not pay benefits
for expenses incurred after travel becomes possible.
Travel Delay must be caused by or result
from:1) Common Carrier delay; or 2) loss or theft of your
passport(s), travel documents or money; or 3) quarantine; or 4) hijacking;
or 5) natural disaster or closure of public roadways by government authorities
due to adverse weather; or 6) Injury or Sickness of you, an Immediate
Family Member traveling with you, or a Traveling Companion; or 7) death
of you, an Immediate Family Member traveling with you, or a Traveling
Companion.
Baggage
and Personal Effects
We will reimburse you, less any amount paid or payable from any other
valid and collectible insurance or indemnity, up to the amount shown
in the Schedule, for direct loss, theft, damage or destruction of your
Baggage, passports or visas during your Trip. We will also pay for
loss due to unauthorized use of your credit cards, if you have complied
with all of the credit card conditions imposed by the credit card companies.
Valuation and Payment of Loss: Payment of loss under the Baggage and
Personal Effects Benefit will be calculated based upon an Actual
Cash Value basis. For items without receipts, payment of loss will
be calculated based upon 75% of the Actual Cash Value at the time
of loss. At our option, we may elect to repair or replace your Baggage.
We will notify you within 30 days after we receive your proof of
loss. We may take all or part of a damaged Baggage as a condition
for payment of loss. In the event of a loss to a pair or set of items,
we will: 1) repair or replace any part to restore the pair or set
to its value before the loss; or 2) pay the difference between the
value of the property before and after the loss.
Items Subject to Special Limitations: We will not pay more than $500
(or the Baggage and Personal Effects limit, if less) on all losses to
jewelry; watches; precious or semi-precious gems; decorative or personal
articles consisting in whole or in part of silver, gold, or platinum;
cameras, camera equipment; digital or electronic equipment and media;
and articles consisting in whole or in part of fur. Items not included
above are subject to a $250 per item limit.
Items Not Covered: We will not pay for damage to or loss of: 1) animals;
2) property used in trade, business or for the production of income,
household furniture, musical instruments, brittle or fragile articles,
or sporting equipment if the loss results from the use thereof; 3) boats,
motors, motorcycles, motor vehicles, aircraft, and other conveyances
or equipment, or parts for such conveyances; 4) artificial limbs or other
prosthetic devices, artificial teeth, dental bridges, dentures, dental
braces, retainers or other orthodontic devices, hearing aids, any type
of eyeglasses, sunglasses or contact lenses; 5) documents or tickets,
except for administrative fees required to reissue tickets; 6) money,
stamps, stocks and bonds, postal or money orders, securities, accounts,
bills, deeds, food stamps or credit cards, except as noted above; 7)
property shipped as freight or shipped prior to the Scheduled Departure
Date; 8) contraband.
Losses Not Covered: We will not pay for loss arising from: 1) defective
materials or craftsmanship; or 2) normal wear and tear, gradual deterioration,
inherent vice; or 3) rodents, animals, insects or vermin; or 4) theft
or pilferage from an unattended vehicle; or 5) mysterious disappearance;
or 6) electrical current, including electric arcing that damages or destroys
electrical devices or appliances.
Notice to Florida Residents: Your homeowners
policy, if any, may provide coverage for loss of personal effects. You
are not required to purchase baggage insurance in connection with purchase
of tickets or with the lease or rental of a motor vehicle.
Baggage Delay
We will reimburse you, less any amount paid or payable from any other
valid and collectible insurance or indemnity, up to the amount shown
in the Schedule for the cost of reasonable additional clothing and personal
articles purchased by you, if your Baggage is delayed for 24 hours or
more during your Trip. We will also reimburse you up to $25 for expenses
incurred during your Trip to expedite the return of your delayed Baggage.
This coverage terminates upon your arrival at the return destination
of your Trip.
Definitions
In this Policy, “you”, “your” and “yours” refer
to the Insured. “We”, “us” and “our” refer
to the company providing this insurance. In addition certain words and
phrases are defined as follows:
“Actual Cash Value” means current replacement cost for items
of like kind and quality less depreciation.
“Baggage” means luggage, personal possessions and travel
documents taken by you on the Trip.
“Business Partner” means an individual who is involved, as
a partner, with you in a legal general partnership and shares in the
management of the business.
“Common Carrier” means any land, water or air conveyance
operated under a license for the transportation of passengers for hire,
not including taxicabs or rented, leased or privately owned motor vehicles.
“Domestic Partner” means a person who is at least eighteen
years of age and you can show: 1) evidence of financial interdependence,
such as joint bank accounts or credit cards, jointly owned property,
and mutual life insurance or pension beneficiary designations; 2) evidence
of cohabitation for at least the previous 6 months; and 3) an affidavit
of domestic partnership if recognized by the jurisdiction within which
they reside.
“Elective Treatment and Procedures” means any medical treatment
or surgical procedure that is not medically necessary including any service,
treatment, or supplies that are deemed by the federal, or a state or
local government authority, or by us to be research or experimental or
that is not recognized as a generally accepted medical practice.
“Financial Insolvency” means the total cessation of operations
due to insolvency, with or without the filing of a bankruptcy petition,
or the total cessation of operations following the filing of a bankruptcy
petition, by a tour operator, cruise line, or airline, other than the
person, organization, agency or firm from whom you directly purchased
or paid for your Trip provided the Financial Insolvency occurs more than
15 days following your effective date for the Trip Cancellation Benefits.
“Home” means your primary or secondary residence.
“Hospital” means an institution, which meets all of the following
requirements: 1) it must be operated according to law; 2) it must give
24 hour medical care, diagnosis and treatment to the sick or injured
on an inpatient basis; 3) it must provide diagnostic and surgical facilities
supervised by Physicians; 4) registered nurses must be on 24 hour call
or duty; and 5) the care must be given either on the hospital’s
premises or in facilities available to the hospital on a pre-arranged
basis. A Hospital is not: a rest, convalescent, extended care, rehabilitation
or other nursing facility; a facility which primarily treats mental illness,
alcoholism, or drug addiction (or any ward, wing or other section of
the hospital used for such purposes); or a facility which provides hospice
care (or wing, ward or other section of a hospital used for such purposes).
“Immediate Family Member” includes your or the Traveling
Companion’s spouse, child, spouse’s child, son-daughter-in-law,
parent(s), sibling(s), grandparent(s), grandchild, step brother-sister,
step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle,
niece, nephew, guardian, Domestic Partner, foster-child, or ward.
“Injury” means bodily harm caused by an accident which: 1)
occurs while your coverage is in effect under the policy; and 2) requires
examination and treatment by a Physician. The Injury must be the direct
cause of loss and must be independent of all other causes and must not
be caused by, or result from, Sickness.
“Insured” means an Eligible Person who arranges a Trip and
pays any required premium.
“Insurer” means Monumental General Casualty Company or Stonebridge
Casualty Insurance Company.
“Other Covered Events” means only
the following unforeseeable events or their consequences which occur
while coverage is in effect under this Policy:
1. Common Carrier delays resulting from organized labor strikes that
affect public transportation;
2. arrangements canceled by an airline, cruise line, or tour operator,
resulting from inclement weather or organized labor strikes that affect
public transportation;
3. arrangements canceled by an airline, cruise line, or tour operator,
resulting from Financial Insolvency as defined.
Item #3 above is subject to your premium being received within 14 days
of the initial deposit/payment for your Trip.
4. a change in plans by you, an Immediate Family Member traveling with
you, or Traveling Companion resulting from one of the following events
which occurs while coverage is in effect under this Policy: a) being
directly involved in a documented traffic accident while en route to
departure; b) being hijacked, quarantined, required to serve on a jury,
or required by a court order to appear as a witness in a legal action,
provided you, an Immediate Family Member traveling with you or a Traveling
Companion is not 1) a party to the legal action, or 2) appearing as a
law enforcement officer; c) your Home is made uninhabitable by fire,
flood, volcano, earthquake, hurricane or other natural disaster; d) being
called into active military service to provide aid or relief in the event
of a natural disaster; e) a documented theft of passports or visas; f)
a transfer of employment of 250 miles or more.
“Other Valid and Collectible Group Insurance” means
any group policy or contract which provides for payment of medical
expenses incurred because of Physician, nurse, dental or Hospital
care or treatment; or the performance of surgery or administration
of anesthesia. The policy or contract providing such benefits includes
group or blanket insurance policies; service plan contracts; employee
benefit plans; or any plan arranged through an employer, labor union,
employee benefit association or trustee; or any group plan created
or administered by the federal or a state or local government or its
agencies. In the event any other group plan provides for benefits in
the form of services in lieu of monetary payment, the usual and customary
value of each service rendered will be considered a Covered Expense.
“Payments or Deposits” means
the cash, check, or credit card amounts actually paid for your Trip.
Payments made in the form of a certificate, voucher or discount are
not Payments or Deposits as defined herein.
“Physician” means a person
licensed as a medical doctor by the jurisdiction in which he/she
is resident to practice the healing arts. He/she must be practicing
within the scope of his/her license for the service or treatment
given and may not be you, a Traveling Companion, or an Immediate
Family Member of yours.
“Policy” means the contract
issued to the Policyholder providing the benefits specified herein.
“Policyholder” means the
legal entity in whose name this Policy is issued, as shown on the
Benefit Schedule.
“Pre-Existing Condition” means
an illness, disease, or other condition during the 60 day period
immediately prior to your effective date for which you or your Traveling
Companion or Immediate Family Member scheduled or booked to travel
with you: 1) received or received a recommendation for a diagnostic
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 coverage is effective under this
policy.
“Program Medical Advisors” means
ON CALL INTERNATIONAL.
“Scheduled Departure Date” means
the date on which you are originally scheduled to leave on your Trip.
“Scheduled Return Date” means
the date on which you are originally scheduled to return to the point
where the Trip started or to a different final destination.
“Scheduled Trip Departure City” means
the city where the scheduled trip on which you are to participate
originates.
“Sickness” means an illness
or disease of the body which: 1) requires examination and treatment
by a Physician, and 2) commences while the insurance is in effect.
An illness or disease of the body which first manifests itself and
then worsens or becomes acute prior to the effective date of this
insurance is not a Sickness as defined herein and is not covered
by the policy.
“Traveling Companion” means
a person whose name appears with yours on the same Trip arrangement
and who, during the Trip, will share accommodations with you in the
same room, cabin, condominium unit, apartment unit, or other lodging. “Trip” means a scheduled trip for which coverage has been
elected and the premium paid, and all travel arrangements are arranged
by Bank Travel Management prior to the Scheduled Departure Date of
the Trip.
“Usual and Customary Charge” means those charges for necessary
treatment and services that are reasonable for the treatment of cases
of comparable severity and nature. This will be derived from the
mean charge based on the experience in a related area of the service delivered
and the MDR (Medical Data Research) schedule of fees valued at the
90th percentile.
Policy Exclusions
The following exclusion applies to the Accidental Death and Dismemberment
coverage:
1. We will not pay for loss caused by or resulting from
Sickness of any kind.
The following exclusion applies to the Medical Expense/Emergency Assistance,
Pre-Departure Trip Cancellation, Post-Departure Trip Interruption, and
Travel Delay coverages:
2. We will not pay for loss or expense caused by or incurred resulting
from a Pre-Existing Condition, as defined in the policy, including
death that results therefrom. This Exclusion does not apply to benefits
under covered expenses item #3 (emergency medical evacuation) or item
#8 (repatriation of remains) of the Medical Expense/Emergency Assistance
Benefits coverage.
The following exclusion applies to all coverages:
3. We will not pay for any loss under the policy, caused by, or resulting
from: a) suicide, attempted suicide, or intentionally self-inflicted injury
of you, a Traveling Companion, Immediate Family Member, or Business Partner
booked to travel with you, while sane or insane (while sane in CO & MO);
b) mental, nervous, or psychological disorders; c) being under the influence
of drugs or intoxicants, unless prescribed by a Physician; d) normal pregnancy
or resulting childbirth or elective abortion; e) participation as a professional
in athletics; f) participation in organized amateur and interscholastic
athletic or sports competition or events; g) riding or driving in any motor
competition; h) declared or undeclared war, or any act of war; i) civil
disorder; j) service in the armed forces of any country; k) nuclear reaction,
radiation or radioactive contamination; l) operating or learning to operate
any aircraft, as pilot or crew; m) mountain climbing, bungee cord jumping,
skydiving, parachuting, hang gliding, parasailing or travel on any air
supported device, other than on a regularly scheduled airline or air charter
company; n) any unlawful acts, committed by you or a Traveling Companion
(whether insured or not); o) any amount paid or payable under any Worker’s
Compensation, Disability Benefit or similar law; p) a loss or damage caused
by detention, confiscation or destruction by customs; q) Elective Treatment
and Procedures; r) medical treatment during or arising from a Trip undertaken
for the purpose or intent of securing medical treatment; s) business, contractual
or educational obligations of you, an Immediate Family Member, Business
Partner, or Traveling Companion; t) Financial Insolvency of the person,
organization or firm from whom you directly purchased or paid for your
Trip, Financial Insolvency which occurred before your effective date for
the Trip Cancellation Benefits, or Financial Insolvency which occurs within
15 days following your effective date for the Trip Cancellation Benefits;
u) failure of any tour operator, Common Carrier, or other travel supplier,
person or agency to provide the bargained-for travel arrangements other
than Financial Insolvency; v) a loss that results from an illness, disease,
or other condition, event or circumstance which occurs at a time when the
policy is not in effect for you.
Important Note: Exclusion 3, Item v above, applies to you, an Immediate
Family Member, Traveling Companion, or Business Partner.
Trip Mate/On Call
International Travelers Assistance
24-hour Telephone Service–Multi-lingual professionals are available
24 hours a day to provide help and advice with a medical or legal emergency.
International Medical Assistance–If you are in need of medical
attention, ON CALL will help you locate local physicians, dentists, or
medical facilities. ON CALL will also monitor your condition and contact
your personal physician and family, if requested.
Nurse Helpline–Registered nurses are available 24 hours a day before
and during your trip to provide general health information, clinical
assessment, and health counseling to give you assistance in making appropriate
healthcare decisions.
Medical Evacuation–If you need to
be transported to a different hospital or treatment facility, or back
home, ON CALL will arrange and pay for transportation and a special medical
escort if required. Payment is available only for covered claims and
up to the amount of coverage provided in the policy.
Telephone Interpretation Service–In a medical emergency, ON CALL
provides interpretation services in major languages and will transmit
urgent messages to family, friends, and business, if requested.
Failure to call ON CALL may invalidate your Medical Expense and/or Trip
Interruption or Delay claim.
HOW
TO CONTACT ON CALL INTERNATIONAL
The ON CALL Assistance Network extends worldwide.
If you are outside the United States or Canada, call the local
telephone operator for help in placing your collect
call. Within
the United States and Canada, use the toll free number. Phone answered
24 hours daily.
Within U.S.A. & CanadaOutside
U.S.A. & Canada
1-800-555-9095 1-603-894-4710*
*From outside the United States & Canada,
you will first have to enter the International Access Code of the
country you are calling from.
PLAN
NUMBER: 427B
PLEASE NOTE: Neither
the Insurer(s) nor ON CALL INTERNATIONAL shall be responsible for the
availability, quality or results of any medical treatment or your failure
to obtain medical treatment.
NEW “FREE” SERVICE!
Access Your Medical Records online
With our exclusive Traveler PDQ
Service, you can assure that your important medical records are available
to you or any Physician chosen by you, at any time, anywhere in the world,
quickly, wherever there is internet access available. Register at www.travelerpdq.com
or call, toll free 1-800-379-9887. It’s
free during your insured Trip!
Use Program Code 427B
Please
read this Insurance Certificate/brochure carefully, as it is your evidence of coverage
under the policy (once you have paid the appropriate premium). If
you have any questions about the coverages offered or to report a
claim, please contact Trip Mate Insurance Agency, Inc. at 1-800-888-7292.
Claims may also be reported online and claim forms downloaded at
www.tripmate.com Plan Number:
427B.
Where to Present a Claim
All claims should be presented to the Program Administrator:
Trip Mate Insurance Agency,
Inc.
9225 Ward Parkway
Kansas City, Missouri 64114
1-800-888-7292
Plan Number: 427B
Your Duties in the Event of a Loss
In the event of a Medical or Dental Expense: You must provide us with
all bills and reports for medical and/or dental expenses claimed;
you must provide any requested information, including but not limited
to, an explanation of benefits from any other applicable insurance;
and you must sign a patient authorization to release any information
required by us, to investigate your claim.
In case of loss, theft or damage to Baggage
and Personal Effects you should: immediately report the situation to the hotel manager, tour guide
or representative, transportation official, local police or other local
authorities and obtain their written report of your loss; take reasonable
steps to protect your Baggage from further damage; and make necessary,
reasonable and temporary repairs. We will reimburse you for these expenses.
We will not pay for further damage if you fail to protect your Baggage.
The Travel Insurance is Underwritten By:
Monumental General Casualty
Company, Baltimore, MD (all states except as otherwise noted) under
Policy Form series TAHC2000/TAHC5000. In LA and TX, Policy Form #’s
TAHC2000.GPC and TAHC2100.GPC. In KS, OR and WA, Policy Form # TAHC2000IPC
and TAHC2100IPC.
Stonebridge Casualty Insurance Company, Columbus, OH (AL, AZ, CO, DE,
DC, GA, ID, IA, ME, MI, MO, MN, NH, NJ, NM, NC, ND, SC, UT, VT, WV and
WI) Policy/Certificate Form series TAHC5000/TAHC2000. In AK form #TAHC3000JCP.AK.
In PA and TN Policy/Certificate Form series TAHC5100 and TAHC5200. In
NY, form #GP26000JCP.
Notice: If you are a resident of one of
the following states (KS, OR, WA) your coverage is provided on an individual
policy form. Your policy number is your complete Name plus 427B. Additional
forms complete your policy and are available at www.tripmate.com. You
can also request these forms by calling Trip Mate Insurance Agency, Inc.
at 1-800-888-7292.
