Pre-Existing Medical Condition Exclusion Waiver
PRE-EXISTING
MEDICAL CONDITION EXCLUSION WAIVER
The
Insurer will waive the pre-existing medical condition exclusion up to a maximum
of the first $25,000 of Trip Cost per person if the following conditions are
met:
1. This
plan is purchased within 14 days of making the Initial Trip Payment;
2. The
amount of coverage purchased equals all prepaid nonrefundable payments or
deposits applicable to the Trip at the time of purchase, and the cost of any
subsequent arrangement(s) added to the same Trip are insured within 14 days of
the date of payment or deposit for any subsequent Trip arrangement(s)
3. All
Insured’s are medically able to travel when plan cost is paid.
ELIGIBILITY,
EFFECTIVE & TERMINATION DATES
Eligible
Persons
Travelers
who enroll, accept and purchase coverage through the Travel Supplier no later
than final Trip payment and prior to departing on their Trip.
Effective
Date: After any required Enrollment Form is completed, Trip Cancellation
coverage will be effective for an Insured at 12:01 a.m. Standard Time on the
date following receipt by the Insurer or the Insurer’s authorized
representative of any required plan cost. All other coverages will begin on the
later of:
(a) 12:01
a.m. Standard Time on the scheduled Departure Date shown on the travel
documents or
(b) the
date and time the Insured starts his/her Trip, provided any required plan cost
has been paid.
Termination
Date: All coverage, other than Trip Cancellation, ends on the earlier
of:
(a) the
date the Trip is completed;
(b) the scheduled Return Date;
(c) the
Insured’s arrival at the Return Destination on a round Trip, or the Destination
on a one-way Trip.
The Trip
Cancellation coverage ends on the earliest of:
(a) the
cancellation of the Insured’s Trip; or
(b) the
date and time the Insured starts on his/her Trip.
Extension
of Coverage:
All
coverage (except Trip Cancellation) will be extended, if:
(a) the
Insured's entire Trip is covered by the plan; and
(b) the
Insured's return is delayed by one of the Unforeseen reasons specified under
Trip Cancellation and Interruption or Trip Delay.
This
extension of coverage will end on the earlier of:
(a) the
date the Insured reaches his/her Return Destination; or
(b) 7
days after the date the Trip was scheduled to be completed.
Baggage
Continuation of Coverage: If an Insured’s Baggage,
passports, and visas are in the charge of a charter or Common Carrier and
delivery is delayed, coverage for Baggage and Personal Effects and travel
documents will be extended until the Common Carrier delivers the property to
the Insured. This extension does not include Loss caused by the delay.
GENERAL
EXCLUSIONS
This plan
does not cover any loss caused by or resulting from
(a)
intentionally self-inflicted Injury, suicide, or attempted suicide of the
Insured, Family Member, Traveling Companion or Business Partner while sane or
insane;
(b)
pregnancy, childbirth, or elective abortion, other than Complications of
Pregnancy;
(c)
participation in professional athletic events, motor sport, or motor racing,
including training or practice for the same;
(d)
mountaineering where ropes or guides are normally used. The ascent or descent
of a mountain requiring the use of specialized equipment, including but not
limited to pick-axes, anchors, bolts, crampons, carabineers, and lead or
top-rope anchoring equipment;
(e) war
or act of war, whether declared or not, civil disorder, riot, or insurrection;
(f)
operating or learning to operate any aircraft, as student, pilot, or crew;
(g) air
travel on any air-supported device, other than a regularly scheduled airline or
air charter company;
(h) loss
or damage caused by detention, confiscation, or destruction by customs;
(i) any
unlawful acts, committed by the Insured, a Family Member, or a Traveling
Companion, or Business Partner whether insured or not;
(j) if
the Insured’s tickets do not contain specific travel dates (open tickets);
(k) use
of drugs, narcotics, or alcohol, unless administered upon the advice of a
Physician;
(l) any
failure of a provider of travel related services (including any Travel
Supplier) to provide the bargained for travel services or to refund money due
the Insured;
(m)
Experimental or Investigative treatment or procedures;
(n) any
loss that occurs at a time when this coverage is not in effect;
(o)
traveling for the purpose of securing medical treatment;
(p) care
or treatment which is not Medically Necessary;
(q) any
Trip taken outside the advice of a Physician;
(r)
financial default;
(s)
PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Insurer will not pay for any Loss
or expense incurred as the result of an Injury, Sickness or other condition of
an Insured, Traveling Companion, Business Partner, or Family Member which,
within the 60 day period immediately preceding and including the Insured’s
coverage effective date: (a) first manifested itself, worsened or became acute
or had symptoms which would have prompted a reasonable person to seek
diagnosis, care or treatment; (b) for which care or treatment was given or
recommended by a Physician; (c) required taking prescription drugs or
medicines, unless the condition for which the drugs or medicines are taken
remains controlled without any change in the required prescription drugs or
medicines.
EXCESS
INSURANCE LIMITATION
The
insurance provided by the Policy for all coverages except Trip Cancellation and
Interruption and Baggage and Personal Effects Loss shall be in excess of all
other valid and collectible insurance or indemnity. If at the time of the
occurrence of any Loss payable under the Policy there is other valid and
collectible insurance or indemnity in place, the Insurer shall be liable only
for the excess of the amount of Loss, over the amount of such other insurance
or indemnity, and applicable Deductible.
TRIP
CANCELLATION & INTERRUPTION
The
Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if
an Insured cancels his/her Trip or is unable to continue on his/her Trip due to
the following Unforeseen events
(a)
Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or
Business Partner;
1) Injury
or Sickness of an Insured, Traveling Companion or Family Member traveling with
the Insured must be so disabling as to reasonably cause a Trip to be cancelled
or interrupted, or which results in medically imposed restrictions as certified
by a Physician at the time of Loss preventing your continued participation in
the Trip.
2) The
Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a
Family Member not traveling with the Insured.
3) Injury
or Sickness of the Business Partner must be so disabling as to reasonably cause
the Insured to cancel or interrupt the Trip to assume daily management of the
business. Such disability must be certified by a Physician.
(b)
Inclement Weather causing delay or cancellation of travel;
(c)
Strike resulting in complete cessation of travel services at the point of
departure or Destination;
(d) the
Insured’s Primary Residence being made Uninhabitable by Natural Disaster,
vandalism, or
burglary;
(e) the
Insured, or a Traveling Companion being subpoenaed, required to serve on a
jury, hijacked, or quarantined;
(f) the
Insured or Traveling Companion is involved in or delayed due to an automobile
accident, substantiated by a police report, while en route to the Insured’s
Destination;
(g)
Terrorist Incident in a City listed on the Insured’s itinerary within 30 days
of the Insured’s scheduled arrival.
SPECIAL
NOTIFICATION OF CLAIM
The
Insured must notify Travel Guard as soon as reasonably possible in the event of
a Trip Cancellation or Interruption claim. If the Insured is unable to provide
cancellation notice within the required timeframe, the Insured must provide
proof of the circumstance that prevented timely notification.
Trip
Cancellation Benefits: The Insurer will reimburse the Insured for
forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips
that are canceled prior to the scheduled departure for their Trip due to the
Unforeseen events shown above.
Trip
Interruption Benefits: The Insurer will reimburse the Insured up to
the Maximum Limit shown on the Schedule for Trips that are interrupted due to
the Unforeseen events shown above
(a)
forfeited, insured Trip Cost, and
(b)
additional transportation expenses incurred by the Insured, either
(i) to
the Return Destination; or
(ii) from
the place that the Insured left the Trip to the place that the Insured may
rejoin the Trip; or
(b) additional transportation expenses incurred by the Insured to
reach the original Trip Destination if the Insured is delayed, and leaves after
the Departure Date. However, the benefit payable under (b) and (c) above will
not exceed the cost of economy airfare or the same class as the Insured’s
original ticket less any refunds paid or payable by the most direct route.
SINGLE
OCCUPANCY
The
Insurer will reimburse the Insured, up to the Trip Cancellation and
Interruption Maximum Limit shown on the Schedule, for the additional cost
incurred during the Trip as a result of a change in the per person occupancy
rate for prepaid, non-refundable travel arrangements if a person booked to
share accommodations with the Insured has his/her Trip cancelled or interrupted
due to the Unforeseen events shown in the Trip Cancellation/Interruption
section and the Insured does not cancel.
TRIP
DELAY
The
Insurer will reimburse the Insured up to the Maximum Limit(s) shown on the
Schedule for Reasonable Additional Expenses until travel becomes possible if
the Insured’s Trip is delayed 6 or more consecutive hours from reaching their
intended Destination as a result of a cancellation or delay of a regularly
scheduled airline flight for one of the Unforeseen events listed below:
(a) the
Insured or Traveling Companion is quarantined;
(b)
Common Carrier delay;
(c) the
Insured’s or Traveling Companion’s lost or stolen passports, travel documents,
or money;
(d)
Natural Disaster; or
(e)
Injury or Sickness of the Insured or Traveling Companion.
Incurred
expenses must be accompanied by receipts.
This
benefit is payable for only one delay per Insured, per Trip.
If the
Insured incurs more than one delay in the same Trip the Insurer will pay for
the delay with the largest benefit up to the Maximum Limits shown on the
Schedule.
The
Insured Must: Contact Travel Guard at 1.866.630.1138 as soon as he/she knows
his/her Trip is going to be delayed more than 6 hours.
MISSED
CONNECTION
If while
on a Trip the Insured misses a Trip departure resulting from cancellation or
delay of 3 or more hours of all regularly scheduled airline flights due to
Inclement Weather or Common Carrier caused delay, the Insurer will reimburse
the Insured up to the Maximum Limit shown in the Schedule for
1.
additional transportation expenses incurred by the Insured to join the departed
Trip;
2.
pre-paid, non-refundable trip payments for the unused portion of the Trip.
The
Common Carrier must certify the delay of the regularly scheduled airline
flight.
MEDICAL
EXPENSE BENEFIT
If, while
on a Trip, an Insured suffers an Injury or Sickness that requires him or her to
be treated by a Physician the Insurer will pay the Reasonable and Customary
Charges, up to the Maximum Limit(s) shown on the Schedule of Benefits or
Declarations Page. The Insurer will reimburse the Insured for Medically
Necessary Covered Expenses incurred to treat such Injury or Sickness within one
year of the date of the accident that caused the Injury or the onset of the
Sickness
provided
the initial treatment was received during the Trip. The Injury must occur or
the Sickness must begin while on a Trip, while covered under the policy.
Covered
Expenses:
The
Insurer will pay for:
