frequently asked questions

You've saved, you've waited, and now you're all set to go on the vacation of your life - a Trafalgar trip. Preparing for your tour includes protecting yourself from unfortunate occurrences that threaten to interfere with even your best-laid plans. By purchasing Trafalgar Travel Protection, 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 Trafalgar Travel Protection 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 Trafalgar vacation 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 Plan

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

TRAVEL ARRANGEMENT BENEFITS – Provided by Trafalgar

“Any Reason” Cancellation Waiver – Provided by Trafalgar

If you purchase Travel Protection within 2 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, Trafalgar will provide you with a future Travel Credit Certificate equal to the penalty amount imposed by Trafalgar.

Trip Cancellation and Trip Interruption

If you must cancel or interrupt your travel programs for an elgible reason, the Trafalgar Travel Protection Plan provides a refund up to your TOTAL TOUR COST.

Eligible 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 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.

TRAVEL INSURANCE BENEFITS – Underwritten by Arch Insurance Canada, Ltd.

Medical Protection

If you become ill or are injured while on your trip, the Trafalgar Travel Protection Plan will cover up to C$1,000,000 in medical expenses.

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.

A pre-existing exclusion applies to medical conditions and/or symptoms that existed prior to your trip. Check to see how this applies in your policy and how it relates to your departure date, date of purchase or effective date. In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is reported.

Please see the plan’s Travel Protection Plan for complete terms regarding covered medical expenses.

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.

Please see the plan's Travel Protection Plan for complete terms regarding covered medical expenses.

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.

Please see the plan’s Travel Protection Plan for complete terms regarding covered medical expenses.

Travel insurance benefits are underwritten by Arch Insurance Canada, Ltd., with administrative offices in Toronto, Ontario. This is a brief overview of the coverages. Subject to terms, conditions and exclusions. Please review the Insurance Policy for details.

WORLDWIDE EMERGENCY ASSISTANCE – Services provided by On Call International

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.

No. The plan reimburses penalties for airfare purchased through Trafalgar, but does not provide benefits for airfare you book on your own.

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. Trafalgar Travel Protection has a wide range of travel benefits that credit card, homeowners and renters insurance policies most likely do not offer.

One of the valued benefits offered in Trafalgar Travel Protection 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.

You may call Aon, the plan administrator, at 1-(866) 580-4869 or 1-(516) 342-7292 with any questions regarding Trafalgar Travel Protection. 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

For your convenience, if you or your travel agent have indicated you wish to purchase the plan, 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 enrolled upon Trafalgar 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 the pre-existing condition exclusion will be waived under the Trip Cancellation and Trip Interruption benefited. The earlier effective date will protect you against unforeseen circumstances that may arise at a later date and the Pre-Existing Condition exclusion.

Trip Cancellation benefits take effect upon receipt of the required plan cost by Trafalgar. All other benefits 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 refer to the Policy for detailed information.

Please contact your travel agent, Trafalgar and Aon Affinity 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 Trafalgar of your cancellation. Aon will then forward you the appropriate claim form in order to file a claim.

If your Traveling Companion cancels for an eligible reason under Trafalgar Travel Protection and you are forced to pay a "change in occupancy" fee (or single supplement charge), the plan will reimburse you for this expense.

No. There is no reimbursement under trip cancellation due to weather predictions. However, the plan does provide trip cancellation reimbursement 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.

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 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.

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 Travel Protection. 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 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).

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.

A pre-existing exclusion applies to medical conditions and/or symptoms that existed prior to your trip. Check to see how this applies in your policy and how it relates to your departure date, date of purchase or effective date. In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is reported.

Please see the plan’s Travel Protection Plan for complete terms regarding covered medical expenses.

Yes. The Accident and Sickness Medical and Dental Expense portion of Trafalgar 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 see the plan's Travel Protection Plan for complete terms regarding covered medical expenses.

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

Please note that you may want to have a copy of your Trafalgar invoice handy when you 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, Trafalgar 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 Trafalgar 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 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.

To check the status of your claim you can contact Aon at 1-(866) 580-4869.

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.