Travel Protection

We Strongly Recommend Travel Insurance.

Before making your travel arrangements, please take just a moment to remember how unpredictable traveling today can be. Common travel problems like flight delays, travel injuries and illnesses, unpredictable weather and lost or stolen luggage can result in remembering a trip for all the wrong reasons.

With the big trip quickly approaching, now is the time to ensure that you’re planning for the best, so we offer valuable travel insurance coverage and assistance through Travel Guard, one of the world’s leading providers of travel insurance and assistance.

We strongly suggest that our clients purchase the optional travel insurance. The Travel Protection Plan is an affordable package with an array of benefits that provides coverage for many unexpected events.

Please Note: This policy pertains only to premiums purchased after December 1st, 2011.  If you were invoiced for insurance prior to that time, your policy is slightly different.  Please either contact your agent to confirm your policy details or refer to the insurance details included in your travel documents.

The pre-existing medical condition exclusion will be waived as long as the plan is purchased within 7 days of Initial Trip Payment and will cover a maximum of $25,000 per person.
Reimburses for nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to a covered reason.
Reimburses up to $150 per day if your trip is delayed for 12 or more hours for reasonable additional expenses until travel becomes possible.
Reimburses up to $500 if your trip is delayed for 3 or more hours due to regularly scheduled airline flights bring cancelled or delayed due to Inclement Weather or Common Carrier caused delay.
Reimburses if your luggage, personal effects or travel documents are lost, damaged, or stolen while on your trip.
Can reimburse you for the purchase of necessary personal effects if your bags are delayed for more than 24 hours.
Pays for medical expenses incurred while on a trip.
Covers evacuation and transportation as directed by a physician to the nearest adequate medical facility.
Pays for loss of life and limb if it occurs within 180 days of an accident during your trip.
A menu of services available for emergency medical requests, including prescription replacement, physician referrals, medical evacuations, and more.
Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information; and more.
Dedicated LiveTravel® counselors available to help with any travel request or emergency including flight or hotel rebookings, identity theft, rental car reservations, roadside assistance, pet return services and more.
* Non-insurance services are provided by Travel Guard.
  1. It’s 10 p.m. and you have arrived at the airport for a connecting flight to Dublin, only to find that it has been cancelled. Who can assist you with finding new flights to catch up with your trip?
  2. Your bag was lost with your prescription medicine inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
  3. On the way to your vacation in Glasgow, your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
  4. Your child or parent becomes seriously ill and you must cancel your trip. What happens to your non-refundable deposits or pre-payments?
  5. You arrive in Dublin and your luggage doesn’t. If it’s lost, who will help you find it? If it’s delayed, who will pay for your necessities? If it’s stolen, who will pay to replace it?
  6. You’re golfing in Cork and you twist your ankle. Who can help you find a physician to have it examined?
Q. What does this plan cover due to Trip Cancellation?

A. The insurer will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your Trip for:

  1. An unforeseen sickness, injury or death of yourself, a Family Member, Traveling Companion or Business Partner.
  2. Inclement Weather causing delay or cancellation of travel.
  3. Strike resulting in complete cessation of travel services at the point of departure or Destination.
  4. Your Primary Residence being made Uninhabitable by Natural Disaster, vandalism, or burglary.
  5. You or your Traveling Companion being subpoenaed, required to serve on a jury, hijacked or quarantined.
  6. You or your Traveling Companion is involved in or delayed due to an automobile accident while en route to your Destination.
  7. You or your Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, which occurs more than 14 days after an Insured’s effective date of coverage, provided that he or she has been an active employee for the same employer for at least 1 year.

For a complete list of covered reasons for Trip Cancellation, please refer to the Description of Coverage.

Q. Will I be covered if I cancel my Trip for ANY reason?
A. Only certain and the most common unforeseen circumstances would be covered. A list of these circumstances is provided immediately above and included in the Description of Coverage.
Q. What happens if a family member not traveling with me becomes ill or passes away? Is this covered?
A. An illness or death of a family member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions apply). The definition of a Family Member is included in the Description of Coverage.
Q. When does the coverage begin?
A. The coverage for Trip Cancellation will be effective for an Insured at 12:01 a.m. Standard Time on the date following receipt by the tour company 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.
Q. How do I file a claim?

A. Call Travel Guard at 1.866.385.4839, 24 hours a day, 7 days a week. A representative will review and complete a claim form for you and explain what needs to be provided in order to process your claim. The form will then be faxed or mailed to you for signature and to provide the appropriate documents.

Please call 1-866-385-4839 for questions or claims needs related to the Travel Protection Plan.

Please refer to plan code: 007715 P1 11/11

This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038 and currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.
If you have any questions about specific coverages, call TRAVEL GUARD at 1-866-385-4839

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