GENERAL SECTION
ANSWERS
Why should I purchase the Insight Vacations Travel Protection Plan?
You've saved,
you've waited, and now you're all set to go on the vacation of your life
- a Insight Vacations trip. Preparing for your tour includes protecting
yourself from unfortunate occurrences that threaten to interfere with
even your best-laid plans. By purchasing the Insight's Travel Protection
Plan, you can help protect yourself against cancellation penalties,
medical costs, baggage loss and delays, as well as gain access to a wide
range of traveler's assistance services.
Did you know that the Insight Vacations Travel Protection Plan could protect you if:
-
You become
ill and can't travel
-
Someone in
your immediate family
(as defined in the plan) 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 back home passes away and you must return from your Insight
Vacations 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 Travel Protection Plan
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What does it cover?
The Insight Vacations Travel
Protection Plan includes pre-trip cancellation protection and
post-departure coverage for the following:
Trip Cancellation and Trip
Interruption
If you must cancel or interrupt your travel programs for a covered
reason, the Insight Vacations Travel Protection Plan provides coverage up to
your TOTAL TOUR COST.
Covered reasons include illness, injury
or death to you, a traveling companion or a covered family member.
Additional covered reasons for cancellation include jury duty, subpoena,
having a home made uninhabitable by a natural disaster, hijacking and
being involved in a documented traffic accident en route to departure.
Please refer to the Travel Protection Plan for full details.
Trip Delay
If you should miss the departure of your vacation due to carrier-caused
delays or other covered reasons, the plan reimburses you for additional
accommodations, meals and "catch up" transportation expenses. The plan
provides reimbursement up to C$150 per day, up to the maximum C$1,000
limit.
Medical Protection
If you become ill or are injured while on your trip, the Insight
Vacations Travel Protection Plan will cover up to C$1,000,000 in medical
expenses.
*
Note: The Medical Expense benefits of this plan are subject to a
maximum benefit limit of C$30,000 for those persons who at the time
of a covered injury or sickness do not have valid hospital and medical
insurance under a Government Health Insurance Plan of a province or
territory of Canada.
Emergency Evacuation and
Repatriation of Remains
If an injury or illness requires emergency medical transportation to the
nearest appropriate medical facility, the plan will pre-pay up to
C$50,000 for covered transportation expenses. In addition, in the event
of your death, the plan pays up to C$50,000 toward the expenses
associated with transporting your remains.
Baggage Protection
Reimburses expenses up to C$2,500 for the covered loss, damage, or theft
of baggage and/or personal effects during or while in transit to or from
your vacation. This benefit also includes baggage delay protection,
covering you for the purchase of necessary items up to C$500
in the event your luggage is
delayed by a common carrier for more then 24 hours en route to your
tour.
24 Hour Worldwide Emergency
Assistance
24-hour emergency telephone assistance hotline for medical and
travel-related problems, emergencies ranging from cash transfer, legal,
dental, or medical referral, lost travel documents assistance as well as
medical consultation and monitoring.
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I purchased my
airfare separately from my tour. Will the plan reimburse my airline cancellation fees?
No. The plan covers
penalties for airfare purchased through Insight Vacations, but does not
provide benefits for airfare you book on your own.
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Will my current
home, renters, credit card, or health insurance policies cover my
tour?
Due to territory restrictions,
many other insurance policies may not offer any coverage while you
travel. Still others may offer partial protection, but due to benefit
limits, co-insurance and deductibles, you may not be reimbursed for the
full amount incurred. Most people do not have any insurance coverage
that covers the cost of their vacation if they must cancel their
trip. The Insight Vacations Travel Protection Plan has a wide range of
travel benefits that credit card, homeowners and renters insurance
policies most likely do not offer.
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Is there help while I'm
traveling?
One of the
valued benefits offered in the Insight Vacations Travel Protection Plan is the 24
Hour Emergency Assistance Service. On Call International is a leader in
this field. 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.
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I have a pre-existing medical condition; why should I buy the plan?
Even if you have
a medical condition that would be considered pre-existing under the
terms of the policy, you should still consider enroling in the Travel
Protection Plan because:
-
if your claim
is denied due to a pre-existing condition, you will be provided with a
Insight Vacations future travel credit equal to the cancellation
penalty imposed;
-
if you
cancel for a reason unrelated to your known, pre-existing medical
condition, Insight Vacations Travel Protection Plan may still provide
coverage. For example, if a family member who is not traveling with
you becomes ill and you must cancel your trip, the plan will provide
coverage.
-
or, if you
become ill or injured and it is unrelated to your pre-existing
medical condition, the plan would still provide coverage;
-
the plan
will provide you with protection against loss of your bags; travel
delays; and emergency medical evacuation.
Please keep in mind that some medical
conditions would not be considered pre-existing under the terms of the
policy. Please refer to the Travel Protection Plan for full terms of the Pre-Existing Condition Exclusion.
You can waive the pre-existing
condition exclusion by simply purchasing the plan within 2 days of your
initial trip deposit in conjunction with your Travel Protection Plan
purchase. Doing so will remove the exclusion from the plan so that even
pre-existing medical conditions can be covered. So long as you are
medically able to travel at time of purchase, waiving the pre-existing
condition exclusion is the easiest way to alleviate doubt as to chronic
medical conditions.
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Where can I call for
more information?
You may call
Berkely, the plan administrator, at 1-(866) 808-7161 or 1-(516) 342-2720 with any questions regarding
the Insight Vacations Travel Protection Plan. Their Customer Care representatives
will be happy to assist you.
Office Hours
are: 8
AM - 10 PM (ET), Monday - Friday and 9 AM - 5 AM (ET), Saturday
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ENROLMENT SECTION
ANSWERS
When is
payment for the plan due and how do I enrol?
For your
convenience, we will add the plan cost on our tour invoice and include
it in the balance due. Simply pay the amount indicated on your travel
invoice inclusive of this plan cost. You are enroled upon Insight
Vacations receipt of payment for the applicable plan cost, in addition to any
required trip deposits and/or final balances.
Please be aware that it is in your best
interest to purchase the program at time of deposit. Remember, if you
purchase the plan within 2 days of your initial trip deposit/payment you
will be covered for pre-existing conditions. The earlier effective date
will protect you against unforeseen circumstances that may arise at a
later date and the Pre-Existing Condition exclusion.
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When does coverage go into
effect and will it cover me for the entire length of my vacation?
The Trip Cancellation coverage
takes effect upon receipt of the required plan cost by Insight Vacations. All
other benefits will take effect at 12:01 A.M. on your scheduled
departure date and location. Your coverage will remain valid until 11:59
P.M. of your scheduled completion date or your return to your origination
point as stated on your tickets, whichever is earlier. Please see the
Travel Protection Plan for detailed information.
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CLAIMS SECTION ANSWERS
What happens if I
need to cancel my tour?
Please contact your travel
agent, Insight Vacations, and Berkely as soon as possible in the event of a
claim, as the plan will not pay benefits for any additional charges
incurred due to a delay in notifying your agent or Insight Vacations of
your cancellation. Berkely will then forward you the appropriate
claim form in order to file a claim.
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What
happens if my traveling companion cancels their tour but I still
want to travel?
If your Traveling Companion
cancels for a covered reason under the Insight Vacations Travel Protection Plan
and you are forced to pay a "change in occupancy" fee (or single
supplement charge), the plan will reimburse you for this expense.
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What
if bad weather is predicted where I plan to travel? Will the
Insight Vacations Travel Protection Plan cover me if I cancel my tour?
No. There is no coverage
for trip cancellation due to weather predictions. However,the plan
does provide trip cancellation coverage if your airline is delayed due
to inclement weather, provided 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.
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How do I get reimbursement if my bags and/or personal items are
damaged/stolen/lost while I am traveling?
First, obtain verification from
the appropriate authority to whom 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, simply request a claim form by calling
Berkely or 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 insurance, renters insurance, 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 C$2,500
.
The baggage portion of the plan will also reimburse the cost of repair
or replacement for the luggage and covered contents inside the luggage.
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If I require medical care while on my tour, are my medical bills
covered?
Yes. The plan will reimburse
your co-payments or deductibles, up to C$1,000,000 for a covered accident or
for a covered sickness, if you purchased the Travel Protection Plan.
Please note that the plan provides coverage for illness or injury that
first occurs during your vacation. What's more, the plan still works for
you upon your return home, as there is coverage for up to one year for
follow up care, treatment or office visits related to your covered
illness or injury. Upon your return home, please contact Berkely 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).
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If I incur medical expenses during my tour, should I submit them to
my primary health insurance company first?
Yes. The Accident and Sickness
Medical and Dental Expense portion of the Insight Vacations Travel Protection Plan
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 see the plan's Travel Protection Plan for complete terms regarding covered medical expenses.
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How do I file a claim? How long
does it take to receive my money back?
In the event of a claim please
contact Berkely, our Plan Administrator, at 1-(866) 808-7161 between
Monday - Friday 8:00 am to 10:00 pm ET. If you plan to cancel your trip
due to a covered reason call Insight Vacations and Berkely immediately
to initiate the claims process and to avoid additional expenses due to
late notification. You can also file a claim by logging onto
www.travelclaim.com and completing the Claim Information Request
Form.
Please note that you may want to have a
copy of your Insight Vacations invoice handy when you call (or go online)
as there are some details that will be needed in order to initiate your
claim. This information includes your travel dates, date of
cancellation, Insight 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 Insight Vacations to notify them of the
cancellation, as well as to avoid additional expenses due to late
reporting.
Claim forms will be mailed to you
within two to three business days. For covered emergencies during your
trip which require evacuation or interruption, promptly call On Call
International, the assistance company, with your policy number and
emergency details.
Once Berkely receives full
documentation, payment for a covered claim can be generated within five
business days.
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How do I check on the
status of my claim?
To check the
status of your claim you can contact Berkely at 1-(866) 808-7161 or
you can email questions to Berkely at
customerservice@berkely.com.
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DEFINITIONS/EXCLUSIONS SECTION ANSWERS
Who
is a covered "Immediate Family Member" under the plan?
Our definition of immediate
family is quite broad. It's not just family members who reside with you.
Instead, immediate family includes: mother, father, grandmother,
grandfather, brother, sister, brother-in-law, sister-in-law, children,
grandchildren, aunts, uncles, nieces, nephews among others. See the
Definitions section of the Travel Protection Plan for a full listing.
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What are the covered medical expenses if I become sick or injured while
on my tour?
The Insight
Vacations
Travel Protection Plan provides coverage for a vast array of medical
expenses which could be incurred as a result of a sickness or injury.
The plan provides Accident and Sickness Medical and Dental 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.
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Are there exclusions?
In order to
provide this package of benefits, certain restrictions do apply. For
example, the plan does not provide duplicate payments if there are other
sources of reimbursement available. Exclusions are standard in most insurance products. Please see the Travel Protection Plan for a
full list of exclusions.
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What is the
Pre-Existing Condition Exclusion? Can it be waived?
While the Insight Vacations Travel
Protection Plan does have a pre-existing condition exclusion, the plan's
terms are extensive. The pre-existing condition exclusion precludes
coverage only for those medical conditions that manifested themselves,
became acute, or were being treated in the 60 days before coverage goes
into effect (the date coverage is purchased). You may have a chronic
condition that requires you to take medication and still be covered by
the plan. Only if you received or were recommended to receive a
diagnostic test, examination, or medical treatment and/or if there has
been a change in the required prescription would your condition be
considered "pre-existing".
In other words, unless you, your
traveling companion or a family member booked to travel with you has a
new medical condition or one that has recently "flared-up" right before
you enrol in the plan, or you have had a change in your required
medication, the plan should provide coverage. Please see the Travel Protection Plan for complete details or contact Berkely, the plan
administrator, at 1-866-808-7161 should you have any questions regarding
this exclusion.
PLEASE NOTE: IF YOU PURCHASE THE PLAN
WITHIN 2 DAYS OF YOUR INITIAL TOUR DEPOSIT OR PAYMENT, THE PRE-EXISTING
CONDITION EXCLUSION WILL NOT APPLY.
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The information
contained on this website is not an offer to sell nor a solicitation to
buy any security or any insurance product. No security or other
insurance product is offered or will be sold in any jurisdiction in
which such offer or solicitation, purchase or sale would be unlawful
under the securities, insurance or other laws of such jurisdiction. Some
products and services may not be available in all jurisdictions.
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