Coverage Highlights
The information below is a brief summary of coverage. Restrictions Apply.
Click here for a complete Description of Coverage (DOC).
Trip Cancellation
The plan will reimburse your nonrefundable, pre-paid Trip payments/
deposits, up to the amount insured, if cancellation occurs before your
scheduled departure because of unforeseen circumstances covered
by the plan, such as Illness, Injury, Sickness, Death, Strike, Weather
or a Terrorist Incident.
Missed Connection
The plan will reimburse you up to a maximum of $2,500 for additional
transportation costs and reasonable accommodations to catch up to your
cruise or tour if you miss your group departure because your arrival at the
Trip Destination is delayed 6 or more hours due to a covered reason.
Trip Interruption
The plan will reimburse (up to 150% of non-refundable trip cost) your
nonrefundable, pre-paid and unused Trip payments when your Trip
is interrupted after departure because of unforeseen circumstances
covered by the plan. Coverage includes reimbursement for additional
transportation expenses to join or rejoin the Trip or to return home.
Trip Delay
If your Trip is delayed 12 hours or more due to a covered reason,
you will be reimbursed up to the plan maximum for reasonable
additional expenses. Covered reasons include carrier-caused
delays and weather.
Medical Expense
The plan will pay excess coverage up to the maximum limit of coverage
for reasonable and customary medical and surgical services of a
Physician, nurse and/or Hospital as a result of an Injury or Sickness
first occurring on your Trip. Covered expenditures include related
medication expenses and emergency dental treatment while
on the Trip.
Emergency Evacuation & Repatriation of Remains
The plan will pay up to the maximum limit of coverage for reasonable
charges for Emergency Evacuation, required by the attending
Physician due to Injury or Sickness which is acute or life threatening, to
the nearest adequate medical facility or home if medically necessary.
Coverage also includes the cost of returning the insured’s body home
in the event of a death, and roundtrip airfare for a person to visit if
you are alone (if hospitalized for at least seven days). All evacuations
require advance notification to or authorization by On Call International.
Baggage and Personal Effects/Loss Baggage Delay
The plan will reimburse up to the Baggage & Personal Effects Loss
maximum for lost, damaged, or stolen baggage, passports, or
visas while on your Trip. The plan will pay up to the Baggage Delay
maximum for the incidental purchase of personal effects if baggage is
delayed more than 24 hours while you are on your trip. You must retain
copies of your receipts for reimbursement.
Accidental Death and Dismemberment
In the unlikely event you are injured in an accident on the Trip that results
in your death or dismemberment, the plan will pay up to the maximum limit
on the Schedule of Benefits
Pre-Existing Medical Condition Exclusion Waiver
The 60-day Pre-Existing Medical Condition Exclusion found in the
plan is waived if coverage is purchased within 21 days of your first
deposit/payment for the Trip, provided the full Trip Cost at that time
is covered, additional coverage is also purchased for all nonrefundable
arrangements added to the Trip at a later date, and you are medically
able to travel when coverage is purchased.
Non-insurance Services
The following services are included with the National Trust Travel Plan:
On Call International
Includes a full range of assistance services such as arranging
emergency medical services/evacuations, medical monitoring,
and 24-hour access to travel agents for help with emergency
travel arrangements such as rebooking flights and making hotel
arrangements.
Concierge
Includes services such as restaurant referrals/reservations, theater/
concert and sporting event arrangements.
*Non-insurance Services are provided by On Call International.
Optional Cancel For Any Reason (CFAR)
This option is available only if purchased within 21 days of initial payment/
deposit. This benefit will reimburse your pre-paid, nonrefundable Trip
payments/deposits up to 75% of Total Trip Cost if your Trip is canceled
for any reason not otherwise covered by the plan, provided you purchase
CFAR within 21 days of your initial Trip payment/deposit, insure all pre-paid
Trip costs that are subject to cancellation penalties or restrictions and also
insure within 21 days of the payment for those arrangements added
to your trip, and cancel your Trip two days or more before your scheduled
Trip Departure Date.
Not available to residents of NY; call 1-800-937-1387 for other options.
Trade Sanction Notice
Any payments under the policy will only be made in full compliance
with all United States of America economic or trade sanction laws or
regulations, including, but not limited to, sanctions, laws and regulations
administered and enforced by the U.S. Treasury Department’s Office
of Foreign Assets Control (“OFAC”). Therefore, any expenses incurred
or claims made involving travel that is in violation of such sanctions,
laws and regulations will not be covered under the policy.
For more information, you may consult the OFAC internet website
at www.treas.gov/offices/enforcement/ofac/.