Travel Protection - Frequently Asked Questions

Q. What are the five (5) criteria that need to be met to qualify for the Pre-Exisiting Condition Exclusion Waiver?
A. The criteria are:

1. The traveler purchases enough insurance to cover the full cost of all non-refundable trip arrangements;
2. Insurance is purchased within 14 days of the initial deposit;
3. The traveler is medically able to travel at the time of insurance purchase (meaning the client has no illness or injury of which a prudent person would reasonably know or be aware that would prevent or substantially interfere with the ability to travel);
4. Trip costs are less than $10,000 (classic) $50,000 (Deluxe) per person; and
5. The insured has not filed a claim for trip cancellation due to a pre-existing illness within 120 days of the effective date of the insurance.

Q. What are the benefits of purchasing the insurance within 14 days of the initial trip deposit?
A. The benefits are:

• Eligibility for the Pre-Existing Condition Exclusion Waiver
• Eligibility for the Trip Cancellation/Interruption Supplier Default Coverage

Q. When does the travel supplier have to be notified that the trip has been cancelled?
A. The travel supplier must be notified within 72 hours of the occurrence that caused the cancellation, unless the condition prevents it, then as soon as reasonably possible. Otherwise the right to compensation will lapse. If canceling or interrupting a trip due to a medical reason a doctor must advise the client to cancel or interrupt the trip and an examination must take place within 72 hours of the cancellation or interruption.

Q. Does Access America cover change fees or penalties if a Cruise Line or Tour Operator changes the itinerary and the client has not purchased their airline tickets as part of the total package?
A. No, Access America would not cover the change fees or penalties if the Cruise Line or Tour Operator Changes the itinerary.

Q. What is the difference between Travel Delay and Missed Connection?
A. Travel Delay:

• Coverage under this benefit pays certain expenses incurred due to a departure delay of 6 or more consecutive hours.
• The benefit offers up to $150 per person per day for reasonable additional accommodations and traveling expenses. Prepaid expenses are not covered.

Missed Connection:

This benefit provides coverage for reasonable additional transportation and accommodation expenses needed by the traveler to reach his or her destination or cruise, and also provides reimbursement for any unused prepaid travel costs lost as a result of missing at least 24 hours of the vacation due to the following reasons:

• You or your traveling companion being delayed by a traffic accident while en route to a departure, even if you or the traveling companion were not directly involved in the accident;
• You or your traveling companion being delayed by bad weather while en route to a departure, provided you were scheduled to arrive at the point of departure at least 2 hours before the scheduled time to depart; or
• Your regularly scheduled airline flight being cancelled or delayed solely due to bad weather for at least 3 hours and for this reason you miss your connection.

Q. How does baggage coverage work?
A. If baggage is lost, damaged or stolen, Access America will pay the loss, up to the maximum amount of coverage purchased, provided that you have taken all reasonable measure to protect, save and/or cover your property at all times. You must notify the appropriate authorities at the place the loss occurred and inform them of the value and description of your property within 24 hours after the loss. You must file written proof of loss with Access America within 90 days from the loss. The baggage coverage provided by Access America is secondary to any provided by the common carrier.

Q. Does Access America cover for terrorism?
A. Coverage is provided for a Terrorist act committed by an organized terrorist group (recognized as such by the U.S. State Department) that results in property damage, injury or loss of life. The incident must take place in a domestic or foreign city in which you are scheduled to arrive within 30 days following the incident and your tour operator (if applicable) must not have offered a substitute itinerary.

For foreign terrorism coverage only, coverage for travel to or through countries in which such a documented or reported incident has occurred during 30 days prior to purchase of insurance is excluded.

Losses resulting due to the issuance of travel advisories, bulletin or alerts; war or acts thereof; civil disorder, riot or unrest; bomb scares or threats of terrorist activity; or terrorist acts against any Common Carrier (e.g., airline or cruise line) are not covered.

Q. Does Access America cover for pregnancy?
A. Normal Pregnancy is a covered reason for Trip Cancellation provided that following conditions are met: The pregnancy occurs after the effective date of coverage, and one which can be verified by medical records. (Please note, fertility treatments, childbirth or elective abortion, other than unforeseen complications of pregnancy of the traveler, a traveling companion or family member, are not covered.) Normal Pregnancy still remains a General Program Exclusion if this criteria is not met.

Q. Do you need to notify Access America to arrange for Emergency Medical Transportation?
A. Yes, all medical transportation services must be authorized in advance and organized by the Access America Hotline Center. In the event that the medical transportation services are not authorized in advance and organized by the Access America Hotline Center, we will only pay up to $5,000.

Q. What Assistance Service does Access America have to offer?
A. Emergency Medical Assistance around the clock, Medical Consulting and Monitoring, Hospital Admissions Assistance, Emergency Medical Transportation, Travel Documentation and Ticket Replacement, Emergency Cash Transfer, Legal Assistance, Emergency Message Center and Flight Information.

If you are hospitalized, hotline medical staff will keep in frequent contact with you and your local Physician to get information on the care you are receiving and to determine the need for further assistance. We will also contact your personal Physician and family at home, if necessary.

To utilize the Message Center, call the hotline and give the coordinator your message. We will make at least 3 attempts in 24 hours to reach your requested party and we will provide you with an update on the disposition of our attempts to deliver the message.

Q. What is a traveling companion? How will that affect me if a traveling companion has to cancel?
A. A traveling companion is a person who accompanies you and shares the same accommodations with you. If you have two people traveling together and one person has to cancel due to a covered reason the other person would also be able to cancel on that basis.

Alternatively, if you have two people traveling together and one person has to cancel due to a covered reason and the other person wants to continue on with the trip we will pay the single supplement fee. (They would have to pay up front for the single supplement fee, but could subsequently make a claim for which we would reimburse them.)

Q. If I'm hospitalized, what will happen?
A. If it is reasonably anticipated by your attending physician that you will be hospitalized for more than seven consecutive days, we will pay for either the cost of a round-trip economy airline ticket over the most direct route to bring a friend or family member to your bedside, or the cost to return accompanying dependents under 23 years of age back to their home.

Q. Who is eligible for coverage under Access America Insurance?
A. US and Canadian residents.

If you have more detailed questions, wish something explained further or would like to purchase travel protection over the phone, please feel free to contact Barbara at 800-325-6708 or barbie@dehoneytravel.com.