Who needs travel insurance and how do the insurance plans work? Why is it important to buy travel insurance? What will Travelex Insurance Services offer in their plans and how will I learn of my coverage before I travel?
If you have general questions about travel insurance plans and specifically our products, keep reading below to capture a general understanding of how Travelex Insurance Services can help you with an insurance plan.
This is a general explanation of benefits; certain conditions and limitations may apply as outlined in the travel insurance plan certificate. If you require further clarification or have more questions, please contact customer service.
What if I have questions regarding the benefits of a travel insurance policy?
Contact our customer service department who would be happy to assist you in understanding every detail of travel insurance and each of our offered plans.
You may reach our customer service department at 1-800-228-9792, Monday - Friday, 8:00 a.m. to 7:00 p.m. CST.
What is the difference between primary and secondary coverage? Why does it matter?
With secondary coverage, you may be required to pay a deductible and you may be asked to exhaust coverage from your other existing policies before filing a claim.
Travelex Protection Plans offer primary coverage because of the varying degree of limitations offered by other protection plans. Homeowner's and rental policies usually have large deductibles in the event of lost or stolen baggage when traveling.
Our coverage is primary!
Why should I purchase a Travel Protection Plan when I have other coverage? What is the difference?
Emergencies happen when you least expect it. Travelex combines insurance coverage and travel assistance services into a comprehensive package that protects both you and your investment - before and during your trip. This coverage can protect you against losing your travel investment to travel suppliers, like cruise lines and tour operators, if you should cancel within their non-refundable cancellation period.
Credit card insurance policies may protect you for flight accidents, car rental damage or for accidental death while traveling, but this protection is usually only offered to you when you purchase your tickets with that particular credit card.
Many HMO's and PPO's offer limited coverage when traveling outside your networks. Medicare supplement benefits also need to be reviewed to determine their exact benefits or lack of benefits when traveling.
Why is Trip Cancellation and Trip Interruption protection important?
All travel suppliers, whether they are tour operators, hotels, travel agencies, cruise lines or airlines, have cancellation penalties. You pay a deposit or final payment toward a trip and these suppliers will apply their published penalties to your trip. You will find the published penalties more severe as your scheduled departure date gets closer. These published penalties inform you that if you cancel, the supplier will hold all or a large percentage of your monies placed as down payment, deposit or final payment. You will lose this money. Trip Cancellation and Interruption is designed to reimburse you for your loss if you cancel or interrupt for a covered reason.
Can I buy travel protection without any trip cancellation coverage?
Yes, you can choose a plan that excludes this coverage but still includes a full range of benefits to protect you during your trip, including coverage for: trip delay, emergency medical, medical evacuation / repatriation, baggage and baggage delay, itinerary change and much more!
What happens if I purchase a protection plan and need to make changes (trip cost, dates, etc.)?
Simply call Travelex prior to your departure date and we will happily make any changes. Please refer to your confirmation of coverage for the appropriate phone number to call.
If I change my mind after enrolling in a protection plan, can I get a refund?
Yes, Travelex will refund your plan cost (minus the processing fee) if you are not completely satisfied within 10 calendar days of purchase, provided you have not departed or filed a claim.
Will I receive an insurance card to carry with me after I purchase?
You will receive a Confirmation of Coverage and applicable policy documents via e-mail, mail or fax. The confirmation of coverage will include travel assistance phone numbers to call in case of emergency. The policy documents will explain the benefits, conditions, limitations and exclusions.
You should take both your confirmation of coverage and all policy documents with you while you travel in case of an emergency. You may also want to print your Travel Assistance calling information if traveling abroad.
This is a general explanation; certain conditions, limitations and exclusions apply as outlined in the applicable certificate. If you still have questions, please call our customer service department at 1-800-228-9792.