Travel Insurance

Table of Contents

 

Is there a need?

1

What does travel insurance cover?

2

Single Trip, Annual, Group

2

Trip Cancellation Insurance

2

Travel Medical Insurance

2

Emergency Medical Evacuation Coverage

3

Cancel for Any Reason (CFAR) Coverage

3

Sample Endorsement

3-4

Travel Delay Insurance

5

Trip Interruption Insurance

5

Baggage & Personal Effects Coverage

5

Baggage Delay Coverage

5

Pre-Existing Medical Conditions Exclusion Waiver

5

Sample Policy

6

Your Travel Protection Plan

6

Claims Procedures

7

Table of Contents

7

Worldwide Non-Insurance Assistance Services

8

Travel Insurance Policy

9

Section I Effective Date & Termination Date

10

Section II Coverages

11

Coverage A Trip Cancellation

11

Coverage B Trip Interruption

12

Coverage C Travel Delay

14

Coverage D Missed Connection

15

Coverage E Itinerary Change

15

Coverage F Change Fee

16

Coverage G Reimbursement of Miles or Reward

16

Coverage H Baggage & Personal Effects

16

Coverage I Accident & Sickness Medical Expense

18

Coverage J Emergency Medical Evacuation

19

Coverage K 24-Hour Accidental Death

20

Optional Coverage

21

Exposure & Disappearance

22

Optional Rental Care Damage

23

Section III Definitions

24

Section IV General Exclusions & Limitations

28

Section V Payment of Claims

29

Section VI General Provisions

30

State Endorsements

31

Grievance Procedures

34

Privacy Policy & Practices

37

 

United Insurance Educators, Inc.