frequently asked questions

You've saved, you've waited, and now you're all set to go on the vacation of your life. Preparing for your tour includes protecting yourself from unfortunate occurrences that threaten to interfere with even your best-laid plans. By purchasing Travel Protection, you could receive reimbursement for cancellation penalties, medical costs, baggage loss and delays, as well as gain access to a wide range of traveler assistance services.

• You become ill and can't travel
• Someone in your family has an illness or injury, even if they aren't scheduled to travel with you
• Your child comes down with an illness and is unable to travel
• Your house becomes flooded due to a hurricane
• A family member passes away and you must return from your trip early
• Your luggage is lost by the airlines
• You twist your ankle and must visit a doctor while traveling
• Many other unforeseeable events as listed in the Insurance Ploicy.

Travel Protection includes pre-trip cancellation protection and post-departure coverage for the following:

"Any Reason" Cancellation Waiver – non-insurance feature provided by Brendan Vacations

If you purchase Travel Protection within 14 days of deposit and cancel your trip more than 48 hours prior to departure for a reason that isn't eligible under the terms of the Trip Cancellation Waiver, Brendan Vacations will provide you with a future Travel Credit Certificate equal to the penalty amount imposed by Brendan Vacations.

For Minnesota, Missouri and New York residents only, the “Any Reason” Cancellation Waiver may be purchased separately from the travel insurance. Contact 1.888.722.2195 for details.

Trip Cancellation Waiver – non-insurance feature provided by Brendan Vacations*

If you must cancel your travel program for one of the reasons listed below, Brendan Vacations will provide a refund up to your total trip cost.

Eligible reasons include illness, injury or death of you, a traveling companion or a family member. Additional reasons for cancellation include jury duty, subpoena, your home made uninhabitable by a natural disaster, hijacking and being involved in a documented traffic accident en route to departure. Please refer to the Trip Cancellation Waiver for further details.

*For Minnesota, Missouri and New York Residents, Trip Cancellation benefits are underwritten by Arch Insurance Company.

Travel Insurance Benefits – underwritten by Arch Insurance Company

Trip Interruption – reimburses prepaid, missed travel arrangements should you need to catch up to the trip or return home early due to illness, injury or one of the other reasons as listed in the plan.

Trip Delay - If there are carrier-caused delays or other covered reasons preventing you from reaching your tour on time (or delay you upon your return home), coverage is provided up to $1,000 ($150/day) for additional accommodations, meals and "catch up" transportation expenses.

Medical Protection - provides up to $50,000 for medical expenses if you become ill or injured while traveling.

Emergency Evacuation and Repatriation of Remains – benefits are arranged and prepaid, up to $50,000, for emergency medical transportation to the nearest appropriate medical facility or in the event of your death, the expenses associated with transporting your remains.

Baggage Protection - reimburses expenses, up to $2,500, for the loss, damage, or theft of luggage and/or personal effects during (or while in transit to or from) your vacation. In addition, baggage delay coverage reimburses the purchase of necessary items, up to $500, in the event your luggage is delayed by a common carrier for more than 24 hours en route to your tour.

Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ. (NAIC #11150) under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply.

24-Hour Worldwide Emergency Assistance - non-insurance services provided by On Call International

Services include assistance with medical and travel-related problems ranging from cash transfers, legal, dental, or medical referrals, lost luggage and travel documents replacement assistance, as well as medical consultation and monitoring.

No. Benefits are provided for penalties for flights purchased through Brendan Vacations only, not arrangements that you may book on your own.

One of the valued non-insurance benefits offered in Brendan Vacations Travel Protection is 24-Hour Emergency Assistance Services. With On Call International you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, or referrals. They are also equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies. If an emergency should arise during your vacation, call On Call International immediately and give the details of your problem or medical emergency.

Even if you have a "pre-existing" medical condition, you should still consider purchasing because:

• if your cancellation refund request is denied, you may be eligible for future Travel Credit Certificates (please refer to the terms of the "Any Reason Cancellation Waiver");
• you may need to cancel for a reason completely unrelated to your known, pre-existing medical condition. For example, a family member who is not traveling with you becomes ill and now you must cancel your trip; or,
• you are injured or become ill due to a different medical condition;
• the plan provides coverage for baggage loss, theft and damage, trip and baggage delays and medical expenses incurred due to illness or injury while traveling.

Please keep in mind that some medical conditions may not be considered "pre-existing" under the terms of Brendan Vacations Travel Protection. Please refer to the Insurance Policy for details.

Please be aware that it is in your best interest to purchase the program at time of deposit. In addition, the earlier effective date may protect you against unforeseen circumstances that could arise at a later date as well as to qualify you for the Pre-Existing Condition exclusion waiver available under the travel insurance benefits.

Please contact your travel agent, Brendan Vacations, and Aon Affinity as soon as possible, as the plan will not reimburse any additional charges incurred due to a delay in notifying Brendan Vacations of your cancellation. Please see below for additional information on how to request a refund through our program administrator.

No. There is no reimbursement for cancelling due to weather predictions. However, if your airline is delayed due to inclement weather and the originally scheduled flight connections were 90 minutes or longer and scheduled arrival at destination was at least 4 hours prior to the tour departure, the Trip Cancellation Waiver would provide reimbursement.

First, obtain verification from the appropriate authority to which you reported the loss (for example, airline, cruise line, hotel, transportation official, police, etc.). Also be sure to save any store receipts you may have for the original purchases. Upon your return home, request a claim form by visiting www.travelclaim.com. You will be asked to complete the form and submit copies of this information along with your claim form, in addition to any response you may have received from your homeowners, renters, or the Air Common Carrier who may have been responsible for the insurance in regard to this loss. You will be reimbursed for items damaged/stolen/lost while traveling up to $2,500. The baggage coverage also includes reimbursement for the cost of repair or replacement of the luggage and its covered contents.

Yes. Coverage is provided, up to $50,000, for reimbursement of any co-payments or deductibles (of your regular health insurance provider(s)), due to covered accident or sickness that occurs while traveling. Upon your return home, as there is coverage for up to one year for follow up care, additional expenses related to treatment or office visits for the illness or injury will continue to be covered. If you were ill or injured while traveling, please contact Aon Affinity to file a claim and forward copies of your medical bills and any explanation of benefit forms that you may have received from your regular health insurer(s).

Yes. The Medical Expense portion of Brendan Vacations Travel Protection is excess of all other valid and collectible insurance. The plan provides reimbursement, up to the maximum shown on the Schedule, for all covered medical expenses not covered under your regular health insurance policy. The plan will provide reimbursement to you for deductibles and co-pays that may be imposed by your health insurance.

Please initiate your claim online at www.travelclaim.com. If you plan to cancel your trip call Brendan Vacations to facilitate the refund process.

Please note that you may want to have a copy of your Brendan Vacations invoice handy when you go online as there are some details that will be needed in order to service your request. This information includes your travel dates, date of cancellation, Brendan Vacations booking or reservation number, and some brief information regarding your reason for cancellation, or other type of loss (i.e., trip delays, baggage loss or delay, medical claims, etc.). Important: If you are canceling your vacation, be sure to also contact your travel agent and/or Brendan Vacations to notify them of the cancellation, as well as to avoid additional expenses due to late reporting.

Claim forms will be provided to you within two to three business days. For medical emergencies during your trip which require evacuation or interruption, promptly call On Call International, the assistance company, with your policy number and emergency details.

Brendan Vacations Travel Protection provides coverage for an array of medical expenses which could be incurred as a result of a sickness or injury while you are on the covered trip. The plan provides Medical Expense benefits for necessary services and supplies which are recommended by the attending physician. Covered medical expenses include the services of a legally qualified physician, surgeon, graduate nurse, dentist or osteopath; charges for hospital confinement and use of operating rooms; charges for anesthetics (including administration); x-ray examinations or treatments and laboratory tests; ambulance service; drugs, medicines, and therapeutic services and supplies.

Certain restrictions do apply. For example, the plan does not provide duplicate payments if there are other sources of reimbursement available. Please refer to the Insurance Policy for details.

Yes and yes. The plan does not permit cancellations due to a medical condition that first developed, worsened, became acute or had symptoms causing you to seek diagnosis, care or treatment or prompted a change in medication in the 60 days prior to purchase. However, if Brendan Vacations Travel Protection is purchased within 14 days of deposit, this restriction will be waived.