TRIP PROTECTION

Post Departure Plan Insurance Benefits Details

Trip Interruption: If you Interrupt Your Trip due to a covered Injury, Sickness or death – Your own or that of a Traveling Companion or Family Member – or for Other Covered Reasons, as defined, You may be reimbursed up to the Trip Cost for the unused portion of the prepaid expenses for land and water Travel Arrangements and/or the Additional Transportation Cost paid

Missed Connection: Helps provide reimbursement for the additional transportation expense incurred and/or the unused, non-refundable land or water travel arrangements if You miss Your Trip departure because Your arrival at Your Trip Destination is delayed for 3 or more hours due to a Covered reason.

Travel Delay: May provide reimbursement up to $150 per day for plan F429B and $100 per day for plan 429T (maximum $1,000) for reasonable accommodation, meal and local transportation expenses if You are delayed for 12 hours or more due to a covered reason such as Common Carrier delay; quarantine; loss of passport, travel documents or money; natural disaster; or a weather condition preventing you from getting to the point of departure.

Medical Expense: Provides reimbursement for usual and customary medical expenses incurred during Your Trip and for emergency dental treatment received during Your Trip up to $750.

Emergency Evacuation: Provides reimbursement for emergency transport to the nearest Hospital or medical facility for a covered Injury or Sickness which is acute or life threatening and occurs while on Your Trip; or the cost of homeward carriage if deceased.

Non-Medical Emergency Evacuation: Covers reasonable expenses that may be incurred for Your transportation to the nearest place of safety, or to Your primary place of residence, if a formal recommendation in the form of a Travel Advisory or Travel Warning from the U.S. State Department, is issued for You to leave a country You are visiting on Your Trip due to a covered reason, such as: a Natural Disaster; civil, military or political unrest; or Your being expelled or declared a persona non-grata by a country You are visiting on Your Trip.

Accidental Death & Dismemberment: These benefits are paid if a covered loss occurs within 181 days of a Covered Injury which occurs while You are on Your Trip

Baggage and Personal Effects: Provides reimbursement (up to $300 per article and subject to a $2,500 limit) if Your Baggage is lost, stolen or damaged while on Your Trip. A $600 limit applies to jewelry, watches, cameras, camera equipment, and furs (and other luxury items specified in the Plan).

Baggage Delay: If, while on your Trip, Your Baggage is delayed for 24 hours or more, we may pay up to $500 for the purchase of necessary additional clothing and personal articles.

For Groups, plan F429T for 2024 departures is not available. To review full plan details online for the Travel Protection Plan available for groups, go to TRAVEL PROTECTION PLAN at http://www.tripmate.com/wpf442G.

General Exclusions that apply to Part B travel insurance in Plan F429T for 2024 departures  

Benefits are not payable for any loss due to, arising or resulting from:

• suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane;
• an act of declared or undeclared war; participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard;
• riding or driving in races, or speed or endurance competitions or events;
• mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);
• participating as a professional in a stunt, athletic or sporting event or competition;
• participating in skydiving or parachuting except parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, any race, speed contests, spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;
• piloting or learning to pilot or acting as a member of the crew of any aircraft;
• being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;
• the commission of or attempt to commit a felony or being engaged in an illegal occupation;
• normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;
• dental treatment (except as coverage is otherwise specifically provided herein);
• due to a Pre-Existing Condition, as defined in the Plan. The Pre- Existing Condition Limitation does not apply to the Emergency Medical Evacuation or Return of Remains coverage;
• any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
• a loss or damage caused by detention, confiscation or destruction by customs;
• Elective Treatment and Procedures;
• medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
• Bankruptcy or Default or failure to supply services by a supplier of travel services;
• a mental or nervous condition, unless hospitalized for that condition while the Plan is in effect for You; or
• a loss that results from a Sickness, Injury, disease or other condition, event or circumstance which occurs at a time when the Plan is not in effect for You.
• an assessment from a Legally Qualified Physician advising you in writing that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel as defined in the Plan at the time of purchase of Coverage for a Trip

Waiver of the Pre-Existing Condition Exclusion: The exclusion for Pre-Existing Condition will be waived provided: (a) Your payment for this Plan is received within 14 days of the date Your initial Payment or Deposit for Your Trip is received; and (b) You are not disabled from travel at the time Your plan payment is paid.

INFORMATION YOU NEED TO KNOW: Benefits on this page are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all insurance coverages. This advertisement does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits, limits and provisions may vary by state/jurisdiction. To review full plan details online, go to TRAVEL PROTECTION PLAN at www.tripmate.com/wpf429T.

*The quoted price for the travel protection plan includes the plan premium and a fee for non-insurance assistance services. You may obtain information on the plan fees by emailing [email protected].

The Travel Protection Plan may only be purchased with the initial trip deposit and the plan payment is non-refundable (after the “free-look” period).

The Part B Insurance Benefits are underwritten by: United States Fire Insurance Company under form series T210 et. Al. and TP-401 et. Al.

Non-Insurance Assistance Services: are not insurance benefits underwritten by United States Fire Insurance Company. 24-Hour Assistance Services are provided by: Generali Global Assistance and Global Xpi Medical Records Services are provided by the Plan Administrator.

For inquiries regarding the Plan: Trip Mate, a Generali Global Assistance & Insurance Services brand, 9225 Ward Parkway, Suite 200, Kansas City, MO 64114, 1-833-210-0677, [email protected].

Consumers in California may contact: California Department of Insurance Hotline 1-800-927-4357.

Consumers in Maryland may contact: Maryland Insurance Administration 1-800-492-6116 or 410-468-2340.

Excess Insurance: The insurance provided by the Plan (except Accident and Sickness Medical Expense, Emergency Medical Evacuation, Medical Repatriation and Return of Remains) shall be in excess of all other valid and collectible insurance or indemnity. Coordination of Benefit Rules apply to the Plan’s insurance coverages that provide benefits for health care expenses on an expense incurred basis.