Do you have travel insurance questions? Is travel insurance right for you? Check out the following most asked questions about travel insurance, if you have any questions please call our office at 508-457-7461 or you can email us at firstname.lastname@example.org
Yes! We are proud to partner with Travel Insured International. Travel Insured is based in East Hartford, CT; and is a family owned business with nearly 20 years of experience in the travel insurance industry. They are endorsed by the American Bus Association and have an A+ rating with the Better Business Bureau. They are committed to providing groups with dependable coverage at a great value while providing excellent customer service.
Travel insurance with Travel Insured International can be purchased for any of our multiday tours (keep reading for information on protection for singe day tours). For all insurance types, it must be purchased no later than your final trip payment date. For the Group Lite Plan (domestic travel) if insurance is purchased within 14 days of your initial trip deposit the pre-existing medical condition exclusion will be waived. For the Group Deluxe Plan (international travel, cruises & tours with airfare), the pre-existing medical conditional exclusion will be waived when insurance is purchased anytime before the final trip payment date. (other criteria apply; please see the Certificate of Insurance for complete terms and conditions).
Travel Insured will not cover costs related to a Pre-Existing Medical Condition. They define a Pre Existing Medical Condition as:
*any injury, sickness or condition (including any condition from which death ensues) of the Insured, or Traveling Companion, or Your and/or Traveling Companions Family Member for which within the 180 day period prior to the effective date of trip cancellation coverage under the Policy which
(a)manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment
(b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription or
(c) required medical treatment or treatment was recommended by a Legally Qualified Physician.
So what does all that mean? If you have had high blood pressure for years and it is controlled with medicine, that is NOT a pre-existing condition for Travel Insured. If you were just diagnosed with high blood pressure and you and your doctor are working to find the best dosage of medicine that IS a pre-existing condition. In general, if a doctor would clear you for traveling then you should not be effected by this exclusion (in the above example, your doctor would most likely suggest postponing travel until your medication situation is stable). If you think this might apply to you, your best bet is to pay for your insurance premium when you make your trip deposit. That way theexclusion is waived and you dont need to worry about your coverage.
Yes! For single day tours we have come up with an affordable option to protect you from unforeseen cancellations. For any single day tour you may purchase CANCELLATION PROTECTION. Cancellation Protection is just that, it will allow you to cancel your tour up until the morning of departure and receive a refund for the full cost of your trip. It does not provide any medical coverage for accidents, it is strictly for cancellation. Cancellation Protection covers the most common reasons for cancelling a tour; illness or injury of you or your traveling partner or a family emergency. It does not cover cancellation related to the weather or if you just changed your mind on the tour. Cancellation Protection can be added to any single day tour for the affordable rate of $7.00 per person ($14.00 per person for trips that involve theater or sporting event tickets). If you need to cancel your trip, there is an easy form to fill out and proof of illness is required.
We offer two great plans from Travel Insured. Both plans cover 100% of the tour cost if you need to cancel your trip, and they both offer medical benefits in case you are sick or injured while traveling. No one likes to think about getting injured or seriously ill while traveling, but the medical benefits are not just for the serious, it may also cover smaller inconveniences like eyeglass repair or replacement, or refills on medications you may have forgotten.
Travel Insureds Lite Plan is offered for our Multi Day tours that stay within the contiguous United States and do not involve airfare. The highlights of the Lite Plan include affordable rates, 100% trip reimbursement for cancellation, $10,000 in medical expenses, and $20,000 in emergency transportation.
For any of our Multi Day tours that involve international travel, cruises or airfare we offer Travel Insured Deluxe Plan. The Deluxe Plan still offers excellent rates & 100% trip cancellation reimbursement, but the medical benefits are much higher at $50,000 in medical expenses and $250,000 in emergency transportation. The higher medical benefits are important with international travel as many medical insurance companies will not pay for any medical treatments you receive while outside of the US (including Medicare & Medicaid).
Included with both Lite & Deluxe insurance is Travel Insureds Worldwide Emergency Assistance Services, there to make all of the arrangements for you, to help coordinate return travel in the event you cannot participate in the remainder of the tour, help with referrals and billing, and anything else that might come up as you are traveling. Contact us for full details on the Lite & Deluxe plans
This document contains highlights of the plan. Review the Certificate of Insurance (Form TP-401-CRT) for complete terms, including benefits, conditions, limitations and exclusions that apply. Plans are underwritten by the United States Fire Insurance Company. Fairmont Specialty and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2012. Not all coverage available in all jurisdictions.
Not quite. Travel Insured can cover the most common reasons for cancelling. Call for full insurance details, but the following common reasons for cancelling are all covered in full: illness or injury of the traveler, your travel partner, or your immediate family members, death in the family, travelers primary residence being made unlivable (fire, burglary, etc), or if you have jury duty. They will not cover cancellations for financial reasons, or if you simply change your mind about the trip.
Lets say Mary & Alice are friends traveling together on an overnight tour. Mary got the flu the day before the tour and has to cancel her tour. If Mary has insurance she can cancel for a full refund. If Alice also purchased insurance and didnt want to travel alone, she could cancel for a full refund, because her traveling partner was ill, or if she still wanted to travelas a single, would be eligible for coverage to cover the cost of the single supplement charge.
Deluxe Cancel For Any Reason Insurance must be paid for within 14 days of your deposit and covers up to 75% of the prepaid, nonrefundable trip cost (subject to $ 20,000 maximum). Trip cancellation must happen 48 hours or more prior to scheduled departure.
If you need to cancel your tour (or if your trip is cut short), simply call Funtastic Getaways and we will contact Travel Insured and set the claim up for you. Once the claim is on record, they will send you some paperwork to fill out about your trip and will request a few documents. In general, they need a copy of your paid invoice, a copy of our cancellation policy, dates payments were made on the trip, and the details of the trip. When your trip is cancelled, Funtastic Getaways will automatically send you a copy of all documents on our end so you dont need to worry about finding them. We try to make it as easy as possible for you! The only other things you will need to supply is proof of your reason for cancellation (your doctor will have a form to sign in case of illness) and proof of payment (cancelled check, credit card statement). Generally, once they receive all your documents back, the claim review takes only a few days.
This question is largely based on how comfortable you are with not having insurance. When you first book your trip, of course your plan is to enjoy the tour! But there are hundreds of unplanned circumstances that could cause you to cancel your trip before departure, return home early or force you to seek emergency medical treatment while traveling. Its nice to not have to worry about the what ifs and just enjoy your tour. The choice to buy travel insurance is up to you. Travel can be a large investment and many people feel better knowing their investment can be protected.
I can offer a few instances that we have experienced that highlight the benefits of travel insurance.
We had a couple who, while enroute to their bus pickup location, was involved in an automobile accident. Thankfully, they were alright, but did require a trip to the emergency room causing them to miss the bus. They were reimbursed in full for their missed trip. On a recent trip south we had a couple that unfortunately had a family member pass away back home while they were on the tour. They were able to submit a claim for not only the unused portion of their trip, but also for airfare for them to return home early. A few years ago, we had a snow storm that knocked out power for several days. While the roads were safe for travel, one of our customers did not feel safe about leaving her home unattended while the power was out. She was able to cancel her tour and receive reimbursement for her missed trip.
These are just examples of recent payouts and should not be construed as a promise to pay. All claims submitted are subject to review and are processed according to the terms and limitations of the plan.
The cost of Travel Insured insurance is based on the cost of the trip. Your age and medical history play no role in the premium. Below is a chart of the current insurance premiums:
Trip Cost Group Lite (domestic travel)
Per Person Per Person
Trip Cost Group Deluxe (international travel)
Per Person Per Person Per Person cancel for any reason
$1-$300 $40 $ 60
$301-$500 $47 $ 71
$501-$1000 $70 $ 105
$1001-$1500 $112 $ 168
$1501-$2000 $138 $ 207
$2001-$2500 $174 $ 261
$2501-$3000 $206 $ 308
Deluxe Insurance Cancel for any reason must be paid for within 14 days of your deposit and covers up to 75% of the prepaid, nonrefundable trip cost (subject to $ 20,000 maximum). Trip cancellation must happen 48 hours or more prior to scheduled departure.