We recommend you purchase enough Trip Cancellation/Interruption to cover your full trip cost.
Please call for pricing on trips from $10,000 - $20,000.
Daily rate for days over 30 $3.00/day
Children under the age of 18 on the date of purchase, accompanied by a Traveling Family Member are
free. Maximum benefit payable to a child under the age of 18 is equal to the maximum benefit
payable to a covered adult.
The information below describes highlights of the program. Program details will be mailed to you
once you have purchased the coverage. The program details provide complete information regarding
the benefits, exclusions and limitations of the program. Please read it carefully.
PROGRAM FEATURES
Who Is Covered
The terms "you" and "your" refer to all persons applying for coverage, but not Traveling Companions. "Traveling Family Members" means your spouse and unmarried children under 18, including step-children. Grandparents traveling with just their unmarried grandchildren under 18 are a family. Children with special needs, regardless of age, are usually eligible.
When You Are Covered
Once your application is processed by Access America, your Trip Cancellation coverage begins the day your order is placed. All other coverages are effective at 12:01 a.m. on the day of your scheduled departure. Access America® reserves the right to reject applications.
What Is Covered
The following travel insurance benefits and the assistance services are designed to protect you for situations or losses which result from sudden and unexpected conditions or events. The programs do not cover conditions or events which, on the date of purchase, are either known to you or are likely to occur.
DESCRIPTION OF TRAVEL INSURANCE BENEFITS
Emergency Medical And Dental Benefits
Benefits are provided for covered Emergency Medical or Dental Care expenses incurred as a result
of accidental injury or illness occurring during the coverage period. An exam by a licensed
provider must take place during your trip. Benefits are provided on an excess basis.
AN AGGREGATE $50 DEDUCTIBLE PER INDIVIDUAL APPLIES TO OUTPATIENT VISITS ONLY.
For dental expenses,
only those incurred during your trip are covered.
Emergency Medical Transportation
All medical transportation services must be authorized in advance by Access America Hotline Center.
Access America® will arrange and pay for medical transportation services (specified below) required
by you as a result of an injury or illness which occurs during the coverage period and requires
medical evacuation and/or repatriation.
A medical evacuation is defined as you being transported
to the nearest appropriate medical facility as a result of our consulting physician and the
local attending physician's determination that adequate treatment is not available locally.
A medical repatriation takes place once you have received medical care, and the local
attending physician and our consulting physician determine you are able to return home.
All medical transportation services are provided only if they are determined to be
medically necessary by the hotline center medical staff in consultation with the
local attending physicians. Medical Repatriation Benefits are limited to $5000 per
person. Program details will be sent to you.
Trip Cancellation And Interruption Protection
Trip Cancellation coverage provides benefits if your trip is canceled for a covered reason up to
the time of departure. Trip Interruption coverage provides benefits if your trip is interrupted
for a covered reason after you have departed. Covered cancellation/interruption reasons are:
(a) an injury or medical condition (whether or not death results) requiring you, a Family Member,
Traveling Companion or Traveling Companion's Family Member to receive treatment by a licensed
physician who advises cancellation or interruption of the trip.
This licensed physician may not
be You, Your Family Member or Your Traveling Companion's Family Member or a Family Member of the
person whose condition caused the cancellation or interruption; an actual examination or visit
must take place before the cancellation or interruption is made, and you must notify the
appropriate travel supplier(s) of your cancellation or interruption within 72 hours,
unless the condition prevents it, and then as soon as possible.
Failure to do so will
result in a claim payment which is less than the penalty imposed for cancellation if
the amount of the penalty was increased by your failure to notify the appropriate
travel supplier within the required time frame;
(b) financial default of a tour operator, airline or cruise line resulting in the complete
cessation of services;
(c) strikes, natural disasters or bad weather resulting in the complete cessation of services by
an airline, tour operator or cruise line for at least 24 consecutive hours;
(d) you or a Traveling Companion being hijacked, quarantined, required to serve on a jury, served
with a court order, or having his or her home made uninhabitable by fire or flood;
(e) you or a Traveling Companion being directly involved in a traffic accident while directly en
route to a departure;
(f) a terrorist incident in a foreign city if you are scheduled to arrive in that city within 10
days following the incident and, for Trip Interruption, your tour operator (if applicable) not
offering a substitute itinerary. Losses resulting due to the issuance of travel advisories,
bulletins or alerts; war or acts thereof; civil disorder, riot or unrest; bomb scares or
threats of terrorist activity; or terrorist acts against any common carrier (e.g., airline
or cruise line) are not covered.
(g) you or a Traveling Companion, who are on Active Military Duty in the United States Armed
Forces: (1) having your personal leave revoked within 10 days prior to your departure date
(as long as such revocation is in writing by a superior officer and is not due to war-related
situations, invocation of the War Power Act, base or unit mobilization, unit reassignment for
any reason, or disciplinary action); or (2) personal reassignment within 10 days prior to your
departure date, whether temporary or permanent.
(h) you or a Traveling Companion being the victim of a felonious assault within 10 days prior to
your departure date. Felonious assault is defined as an act of violence against you or a
Traveling Companion requiring medical treatment in a hospital. A cancellation or interruption
due to a felonious assault inflicted by you, a Family Member, Traveling Companion or Traveling
Companion's Family Member is not covered.
(i) You or your Traveling Companion, after having been with the same employer for at least three
consecutive years, are terminated or laid off after your effective date of insurance.
Trip Cancellation/Interruption benefits do not cover loss(es) due to:
(a) any General Program Exclusion or preexisting Condition;
(b) you or a Traveling Companion: making changes to personal plans; having a business or
contractual obligation; being unable to obtain necessary travel documents (passports, visas,
etc); being detained or having property confiscated by any Customs authority;
(c) carrier-caused delays (including bad weather) unless as covered above;
(d) prohibition or regulation by any government;
(e) default of yacht charter companies;
(f) default of the organization from which you purchased this coverage.
VACATION DELAY COVERAGE
Provides benefits on a onetime basis for reasonable, additional accommodation and traveling
expenses due to a vacation delay of 6 or more hours. Prepaid expenses are not covered. Benefits
are limited to $100 per day per policy.
BAGGAGE COVERAGE
Provides coverage for loss, damage or theft of covered baggage and personal effects provided
you have taken all reasonable measure to protect, save and/or recover your property at all
times. Coverage is secondary to any coverage provided by a common carrier.
BAGGAGE DELAY COVERAGE
Provides coverage for the reasonable, additional purchase of essential items if your personal
baggage is delayed or misdirected by a common carrier for at least 24 hours.
TRAVEL ACCIDENT COVERAGE
Provides benefits for death or physical loss of limb or eyesight due to a covered accident.
The loss must occur within 365 of the covered accident.
TRIP INCONVENIENCE BENEFIT
Provides a specific one-time $100 benefit per policy if any of the following events occur while
you are on a covered trip:
(a) You are admitted to a hospital
(b) You are a victim of a felonious assault
(c) You are involved in an automobile accident, caused by another vehicle, while traveling in
your personal automobile (owned or rented)
(d) Your passport is lost or stolen
(e) Your sporting equipment, which is checked with a common carrier, being delayed by the common
carrier for more than 24 hours after you have reached your trip destination
FLIGHT INSURANCE (Optional)
Provides coverage for accidental loss of life, limb or sight during the flight for which your
tickets(s) was (were) issued. Coverage applies while you are riding, boarding or alighting as
a ticketed passenger on a certified passenger aircraft provided by a regularly scheduled airline
on any regularly scheduled trip or charter.
WHAT IS NOT COVERED
General Program Exclusions
These exclusions apply to all program benefits and services. The program does not cover loss,
injury or illness due to: intentionally self-inflicted harm; suicide; normal pregnancy or
childbirth; mental or nervous health disorders, including anxiety; alcohol or substance
abuse, or related illnesses; war (whether declared or undeclared), acts of war, military
duty (unless as covered above), civil disorder, or unrest (except as provided for in
Vacation Delay); participation in professional athletic events or motor competition
(including training). No benefits are payable for losses due to expected or foreseeable
events.
Pre-Existing Conditions Exclusion
This exclusion applies to Trip Cancellation and Interruption Protection, Emergency Medical
and Dental Benefits and to those Travel Assistance Services related to medical problems.
You can waive this exclusion by purchasing the program within 14 days of your initial
trip deposit date, if you are age 74 or younger.
The program does not cover losses or expenses if they result from:
1. any injury occurring prior to and including the effective date of insurance;
2. any illness occurring during the sixty days prior to and including the effective date of
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. However,
if the condition is controlled (not exhibiting symptoms or requiring an adjustment of treatment
or medication) throughout the sixty-day period by the taking of prescription drugs or
medications and travel restrictions are not advised by a licensed physician, then the
medical condition will not be considered a Pre-Existing Condition.
For the purposes
of determining a Pre-Existing Condition, your "effective date of insurance" means the
effective date of your Trip Cancellation coverage or, if no Trip Cancellation coverage
is purchased, your trip departure date.
SATISFACTION GUARANTEE
If you are not completely satisfied within 10 days of purchase, World Access will give a full
refund of premium provided you have not already departed on your trip and have not filed a claim.
NOTICE
This plan contains disability insurance benefits or health insurance benefits, or both, that only
apply during the covered trip. You may have coverage from other sources that already provides you
with these benefits. You should review your existing policies. If you have any questions about
your current coverage, call your insurer or health plan.
