Travel protection is the combination of travel insurance benefits and emergency hotline services. Travel protection is designed to give travellers peace of mind by protecting their investment, health and belongings.
WHY DO I NEED TRAVEL PROTECTION?
Protection for your trip cost if you have to cancel or interrupt your travel
24-hour access to emergency medical referrals and assistance
Reimbursement for unexpected travel expenses you might incur
Protection for medical emergencies
Medical assistance abroad (your care will be monitored by staff back home.
WHAT DOES THE INSURANCE COVER?
The insurance component of travel protection provides reimbursement for the financial expenses associated with cancelled or interrupted trips, lost luggage or sudden medical emergencies. Click below to get the specifics:
WHAT WILL THE 24-HOUR HOTLINE SERVICE DO FOR ME?
Access America® offers a 24-hour hotline staffed with multilingual specialists, trained to help travellers with emergency medical, legal or travel help. Help getting a passport replaced, a bag reported missing, emergency cash sent, or getting into a hospital is provided around the clock and around the world.
DOESN'T MY CREDIT CARD, HOME OWNER'S, OR REGULAR MEDICAL INSURANCE POLICY PROVIDE COVERAGE FOR ME WHILE I'M TRAVELING?
Many credit cards and home owner's insurance policies do not cover everything you are looking for, like coverage for some types of emergencies or Trip Cancellation/Interruption.
Both credit cards and home owner's policies provide limited coverage depending on the type of card you have or coverage you selected.
Most health insurance plans do not provide payment directly to foreign hospitals, may have a deductible, and won't cover the cost of emergency medical transportation.
CAN I CANCEL MY TRIP FOR ANY REASON AND GET ALL MY MONEY BACK?
No. Trip Cancellation coverage will refund prepaid, non-refundable payments if you have to cancel for a covered reason. Covered reasons include sudden medical emergencies, bankruptcy of a cruise line or tour operator, severe weather, terrorist incidents and being called for jury duty. There are other reasons as well. Business obligations and change of mind are not covered.
CAN YOU EXPLAIN THE PRE-EXISTING CONDITIONS EXCLUSION AND THE WAIVER TO ME?
A Pre-Existing Condition is any injury or illness that is in existence 60 days prior to and including the effective date of your insurance plan. If the condition is controlled (not needing a change in medication or treatment during the 60-day period), it is not considered a Pre-Existing Condition. You can waive this exclusion under certain programs if your trip is less than $10,000 per person and you buy coverage within 7 days of the initial trip deposit.
DO I HAVE TO BUY TRAVEL PROTECTION AT ANY SPECIFIC TIME?
You can buy it at any time prior to leaving on your trip. If you want to be covered for Pre-Existing Conditions, make sure you buy it within 7 days of paying your initial trip deposit (if your trip is less than $10,000 per person).
ARE THERE EVENTS OR MEDICAL CONDITIONS THAT ARE NOT COVERED?
Every insurance plan contains restrictions and limitations
WHO PROVIDES THE INSURANCE FOR THESE PROGRAMS?
Insurance coverage is provided under a Master Policy issued by BCS Insurance Company. Certain restrictions, limitations and exclusions may apply. Please refer to the Terms and Conditions for complete details.
DEFINITIONS
Collision/Loss Damage for Rental Cars - Coverage that protects renters from having to pay for the loss or damage to a rental car is available for travellers around the world. Coverage is primary to any coverage the renter may have and is provided for a maximum of 45 consecutive days. Certain restrictions and limitations apply.
Emergency Medical/Dental Expense - Provides benefits for covered expenses incurred during your trip that are related to the cost of care and supplies needed by a licensed doctor, hospital or dentist if you experience a medical or dental emergency while travelling.
Emergency Medical Transportation - Refers to the air and/or ground transportation services required as a result of an injury or illness while you are travelling. Access America(r) can arrange to move you to a more appropriate facility or back home after you have stabilized. The expenses incurred can be paid by Access America(r) up to the maximum level of coverage available.
Flight Insurance - Provides financial compensation to you or your beneficiary for accidental loss of life or limb associated with an airline flight.
Lost, Stolen or Delayed Baggage - If your checked baggage is delayed or misdirected for at least 24 hours by a common carrier, you can receive coverage for the purchase of essential items. And if your bags never show up, you can be reimbursed for the lost items. Certain items are not covered and there are limits on the maximum levels of coverage you can receive.
Pre-Existing Conditions Exclusion Waiver - A Pre-Existing Condition is any injury occurring prior to and including the effective date of the insurance. An illness occurring during the 60 days prior to and including the effective date of the insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment is also considered to be Pre-Existing. If you purchase your travel protection policy within 7 days of paying your initial trip deposit, and your trip is less than $10,000 per person, the Pre-Existing Condition Exclusion will be waived.
Travel Delay - Provides benefits to help defray the cost of additional accommodations and travelling expenses that you might incur if your trip is delayed for a covered reason for 12 hours or more. Covered reasons for travel delay include carrier delays caused by mechanical problems.
Trip Cancellation/Interruption - Trip cancellation provides reimbursement of covered non-refundable trip payments or deposits if your trip is cancelled prior to departure for one of the covered reasons. Trip interruption provides reimbursement for covered expenses resulting from a trip interruption, which occurs after departure. Covered expenses include those related to transportation and lodging. If your ability to travel is affected by one of the events listed below you may be eligible to receive benefits:
Unforeseen accidents, injuries or death
Active military duty
Bad weather
Felonious assault
Fire or flood of your home
Hijacking
Jury duty
Quarantine
Natural disaster
Vacation Delay - Provides compensation to help defray the cost of additional accommodations and travelling expenses due to a covered delay of 6 or more hours. Some of the reasons covered under this benefit would include carrier delays (including cruise lines) caused by bad weather, lost or stolen passports, and being delayed by a traffic accident while en route to your departure.
