How to Read Your Trip Protection Plan Document
Be sure to review the plan you intend to purchase, so you’ll have a clear understanding of your coverage and benefits.
Read your Plan Document carefully to ensure you understand each benefit, the covered reasons, and any exclusions or limitations. You can use this simple checklist to navigate.
Travel Protection for Individuals and Groups
Select from a variety of Trip Protection and Travel Medical plans and MedJet Global Medical Transport memberships.
- Summary of Assistance Services. For quick reference in an emergency, the beginning of each Plan Document provides a summary of the non-insurance travel assistance services available and contact information for each. From translation services, concierge services, to hospital admission guarantee, these non-insurance assistance services can prove invaluable to you during travel, so be sure to bring your Plan Document on your trip.
- Schedule of Benefits. This chart provides a summary of each travel insurance benefit included in your plan and the maximum benefit amount. For a more detailed explanation of your plan’s benefits, you’ll navigate to the corresponding sections of your Plan Document.
- General Definitions. This section is your glossary of travel insurance definitions. What is a pre-existing medical condition? Who is considered a family member? All the answers to these questions and more can be found here.
- Exclusions and Limitations. This section outlines situations and circumstances not covered by your Trip Protection plan. Exclusions may apply to specific benefits, but there is also a list of General Exclusions that apply to all insurance benefits provided by the plan. Information about the terms and conditions that must be met for the Pre-Existing Medical Condition Exclusion Waiver can also be found in this section.
- Claims Provisions and Procedures. If an unexpected loss or event occurs during your trip that may be covered and reimbursed, you’ll need to review your duties in the Claims Procedures section of your Plan Document. Depending on the benefit under which your loss falls, you may need to call your travel supplier immediately to report any cancellations or baggage losses to local authorities as soon as possible to receive their written report of your loss. Carefully review the claims procedures before starting your claim.
Take time to read and understand your Trip Protection Plan Document so you’ll be prepared for any unexpected situations that may arise during your travels. If you come across a section that is confusing, reach out to our Customer Service Team for more information. We are here to help you find the right plan and to keep you well-informed about the product you’ve purchased.
Learn more about our Trip Protection plans.