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HELP FILES - Travel Insurance with Cancel for Any Reason
Travel Insurance with Cancel for Any Reason

Cover your investment from those unforeseen circumstances that may arise before or during your trip. The All Seasons Travel Plan, with Cancel for Any Reason, provides valuable coverage at an affordable price and includes waiver of Pre-existing Medical Condition Exclusion if insurance is purchased within 21 days of Initial Trip Payment.
Insurance Coverages
Trip Cost Trip Cancellation & Interruption
Up to 75% Cancel for Any Reason
$600 Trip Delay (Maximum $200 per day)
$250 Missed Connection
$1,000 Baggage, Personal Effects,
& Sporting Equipment
$1,000 Baggage Delay (Maximum $200 per day)
$25,000 Accident Sickness Medical Expense
$500,000 Emergency Evacuation
and Repatriation of Remains
$100,000 Accidental Death & Dismemberment
$25,000 Car Rental Collision Coverage
Extra Coverage
• Waiver of Pre-existing Medical Condition Exclusion
  (if purchased within 21 days of initial trip payment).*
* Day one is the date the initial payment is received.
Assistance Services
The following non-insurance services are provided by Travel Guard:

Travel Medical Assistance....................................... Included
Worldwide Travel Assistance................................... Included
LiveTravel® Emergency Assistance......................... Included
Concierge Services.................................................. Included
Identity Theft............................................................ Included
Pet Return Service................................................... Included
Vehicle Return Service............................................. Included
$100 Roadside Assistance per car**........................ Included

**Roadside Assistance service provided by Quest Towing Services, LLC.
(For complete coverage information, please refer to the Certificate of Insurance prior to purchase.)
Trip Cancellation & Interruption
Reimburses prepaid, non-refundable expenses if you must cancel or interrupt your Trip due to Unforeseen:
• Sickness, injury or death of Insured, Traveling Companion, Service Animal, Family Member, or Business Partner;
• Inclement Weather conditions causing delay or cancellation of travel;
• A named hurricane causing cancellation of travel to the Insured’s Destination that is Inaccessible or Uninhabitable;
• The Insured’s Primary Residence being made Uninhabitable or inaccessible by Natural Disaster, vandalism, or burglary;
• The Insured's Destination being made Uninhabitable or inaccessible by a flood, tornado, earthquake, fire, wildfire, volcanic eruption, or blizzard that is due to natural causes, vandalism, or burglary;
• Being involved in or delayed due to an automobile accident, while en route to the Insured’s Destination;
• Strike, resulting in the complete cessation of travel services at the point of departure or Destination;
• Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must occur more than 14 days after effective date of coverage; must have been with the same employer for at least one year;
• Insured or Traveling Companion is called to active military service or military leave is revoked;
• The Insured has an employer-initiated transfer within the same organization of 250 or more miles after the Insured’s effective date of coverage which requires the Insured's Primary Residence to be relocated;
• The primary or secondary school where the Insured or Traveling Companion is a student must extend its operating session beyond its regular schedule, which cause the extension of the originally scheduled school year beyond the originally scheduled end date and the Departure Date falls within that period of time;
• A theft of passports or visas specifically required for the Insured’s Trip substantiated by a police report;
• The Insured or Traveling Companion has a Complication of Pregnancy, Normal Pregnancy or Childbirth;
• The Insured or Traveling Companion is hijacked, quarantined, subpoenaed or required to serve on a jury;
• A Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;
• Mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel.
Trip Delay
Reimburses up to $200 a day for Reasonable Additional Expenses if delayed for 6 hours or more due to:
• Common Carrier delay;
• Natural Disaster;
• Injury or Sickness of the Insured or Traveling Companion;
• Traffic Accident;
• The Insured’s or Traveling Companion’s lost or stolen passports, travel documents, or money;
• The Insured or Traveling Companion is quarantined.
Missed Connection
• Reimburses for additional transportation expenses and unused prepaid, non-refundable trip payments if you miss a trip departure because of cancellation or delay of 3 or more hours of all regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay.
Baggage, Personal Effects & Sporting Equipment
Reimburses for loss, theft, or damage to:
• Baggage and personal effects;
• Unauthorized use of credit cards if guests have complied with credit card conditions.
Baggage Delay
• Reimburses for the purchase of essential items if baggage is delayed or misdirected for more than 12 hours.
Accident Sickness Medical Expense
• Primary Coverage
• Medical Expenses incurred during trip
• Dental maximum of $1,000
Emergency Evacuation & Repatriation of Remains
• Evacuation to the nearest adequate medical facility
• Transportation of remains upon death
Accidental Death & Dismemberment
• Covers death and loss of limb or eyesight within 180 days of an accident.
Car Rental Collision Coverage
• Covers damage due to collision, vandalism, windstorm, fire, hail or flood. (No deductible.)
Assistance Services*
Travel Medical Assistance • Worldwide Travel Assistance
• LiveTravel® Emergency Assistance • Concierge Services
• Identity Theft • Pet Return Service •Vehicle Return Service•
$100 Roadside Assistance (provided by Quest Towing Services, LLC.)
*Non-insurance services are provided by Travel Guard.
The Insurer will not pay for any Loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, Traveling Companion, Business Partner, or Family Member which, within the 60 day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.
The policy covers trips up to 180 days in length. Effective Date: Trip Cancellation benefit will be effective at 12:01 a.m. on the day after the plan cost is paid to the travel agent. All other coverage will take effect on the date the insured leaves for their trip. Termination Date: All coverage ends on the earlier of: (a) the date the trip is completed; (b) the scheduled trip completion date; (c) the Insured’s arrival at the return destination on a round trip, or the destination on a one-way trip; or (d) cancellation of the trip covered by the policy.

This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www. travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the travel retailer. Travel assistance services provided by Travel Guard.

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