Travel Insurance FAQs

This page answers frequently asked questions (FAQs) about Travel Insurance. If your question isn't listed below, please contact us.

Q: Why should I purchase the Alumni Travel Protect Plan?

A: You’ve saved, you’ve waited, and now you’re all set to go on the trip of your life. Preparing for your trip includes protecting yourself from unfortunate occurrences that threaten to interfere with even your best-laid plans. By purchasing an Alumni Travel Protect Plan, you can help reimburse yourself for cancellation penalties, medical costs, baggage loss and delays, as well as gain access to a wide range of traveler’s assistance services.

Did you know that an Alumni Travel Protect Plan could protect your travel investment if:

  • You become ill and can’t travel
  • Someone in your immediate family (as defined in the plan) has an illness or injury, even if they aren’t scheduled to travel with you
  • Your child comes down with an illness and is unable to travel
  • You have to cancel because your house becomes flooded due to a hurricane
  • A family member back home passes away and you must return from your trip early
  • Your luggage is lost by the airlines
  • You get sick or injured on your adventure and have to consult a doctor while traveling

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Q: What does it cover?

A: The Alumni Travel Protect Plans include pre-trip cancellation and post-departure benefits, including the following:

Trip Cancellation
If you must cancel your adventure for a specified reason, the Alumni Travel Protect Plans provide reimbursement up to your TOTAL TRIP COST.

Eligible reasons include illness, injury or death to you, a traveling companion or an immediate family member. Additional reasons for cancellation include jury duty, subpoena, having a home made uninhabitable by a natural disaster, hijacking and being involved in a documented traffic accident en route to departure.

Trip Interruption
If you must interrupt your adventure for a specified reason, the Alumni Travel Protect Plans provide reimbursement for your prepaid unused non-refundable expenses up to 200% of trip cost depending on the plan purchased.

Trip Delay
If you should miss the departure of your vacation due to carrier-caused delays or other eligible reasons, the plan reimburses you for additional accommodations, meals and "catch up" transportation expenses.

Medical Protection, Emergency Medical Evacuations and Repatriations
If you become ill or are injured while on your trip, the Alumni Travel Protect Plans may reimburse for out-of-pocket medical expenses incurred while traveling, including physicians, laboratory and therapeutic services, prescriptions, and emergency medical transport to the nearest appropriate medical facility.

Medical coverage while traveling overseas may be particularly important as Medicare and certain HMOs may not cover medical expenses incurred outside the U.S.

Baggage Protection and Baggage Delay Coverage
Reimbursement for covered loss, damage, or theft of baggage and/or personal effects during or while in transit to or from your adventure, as well as reimbursing you for the purchase of necessary items in the event your luggage is delayed by a common carrier for 12+ hours en route to your trip.

24-Hour Worldwide Emergency Assistance
24-hour emergency assistance hotline for medical and travel-related problems, emergencies ranging from cash transfer, legal, dental, or medical referrals, assistance with replacement of lost travel documents, as well as medical consultation and monitoring.

Please refer to the Alumni Travel Protect Plan for details, including plan-specific terms, conditions, exclusions and coverage limits.

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Q: Will my current home, renters, credit card, or health insurance policies cover my trip?

A: Due to territory restrictions, many other insurance policies may not offer any coverage while you travel. Other policies may offer partial protection; however, due to benefit limits, co-insurance and deductibles, you may not be reimbursed for the full amount incurred. Some people do not have any insurance coverage that covers the cost of their vacation if they must cancel their trip. The Alumni Travel Protect Plans contain travel benefits that credit card, homeowners and renters insurance policies may not offer. The medical coverage included in the Alumni Travel Protect Plans is absolutely vital for people whose health insurance policies (Medicare, certain HMOs, etc.) may not pay for medical expenses incurred outside of the United States or may not cover transportation charges due to medical emergencies.

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Q: Is there help while I'm traveling?

A: One of the valued benefits offered in the Alumni Travel Protect Plans is the 24-Hour Worldwide Emergency Assistance Service. With On Call International you have 24-hour access to a highly trained, multilingual staff to assist you with emergencies such as cash transfers, lost documents, and medical or legal referrals. On Call will also coordinate any medically necessary emergency medical evacuations, including air ambulance transportation, hospitalizations, medical case management and monitoring.

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Q: I have a pre-existing medical condition. Why should I buy the plan?

A: Even if you have a medical condition that you might consider pre-existing, you should still consider purchasing an Alumni Travel Protect Plan, as some medical conditions would not be considered pre-existing under the terms of the policy. The policy only excludes those medical conditions that manifest, became acute, exhibited symptoms or required medication within 60 days of your purchase of the plan. The pre-existing condition exclusion is not applied to emergency medical evacuations or repatriations.

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Q: Who can I contact for more information?

A: You may contact the Alumni Travel Protect Plan Administrator at:
Phone: 1-866-753-1002 (option 6)
Hours of operation: 8:30am-5:00pm ET Mon-Fri

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Q: When does coverage go into effect and will it cover me for the entire length of my adventure?

A: Trip Cancellation takes effect the day after the required premium is received by an authorized representative. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. Your coverage will remain valid until 11:59 P.M. of your scheduled completion date or your return to your origination point as stated on your tickets, whichever is earlier. Please see the Alumni Travel Protect Plans for detailed information.

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Q: What happens if I need to cancel my trip?

A: Please contact your travel agent, tour operator and our plan administrator as soon as possible in the event of a claim, as the plan will not reimburse for any additional charges incurred due to a delay in notifying your agent or tour operator of your cancellation. Our plan administrator will then forward the appropriate claim form to you.
Contact details to initiate the claim:
Phone: 1-866-753-1002 (option 2)
Hours of operation: 8:30am-5:00pm ET Mon-Fri

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Q: What if bad weather is predicted where I plan to travel? Will the Alumni Travel Protect Plans refund me if I cancel my trip?

A: No. There is no reimbursement for trip cancellation due to weather predictions. However, the plan does provide trip cancellation reimbursement if weather causes a complete cessation of all common carrier services for 24+ hours or if a natural disaster at your destination causes your accommodations to be rendered uninhabitable. The plan also includes travel delay coverage if weather causes your delay for 12+ hours.

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Q: How do I get reimbursement if my bags and/or personal items are damaged/stolen/lost while I am traveling?

A: First, obtain verification from the appropriate authority to whom you reported the loss (for example, airline, tour operator, hotel, transportation official, police, etc.). Also be sure to save any store receipts you may have for the original purchases. Upon your return home, request a claim form by contacting our plan administrator at:
Phone: 1-866-753-1002 (option 2)
Hours of operation: 8:30am-5:00pm ET Mon-Fri

Submit all applicable reports and receipts, along with your claim form and responses from any other responsible parties (common carrier causing the loss, homeowners policy, etc.).

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Q: If I require medical care while on my trip, are my medical bills covered?

A: The plans provide reimbursement for covered medical expenses incurred while traveling, for an illness or injury that first occurs during your trip.

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Q: How do I file a claim? How long does it take to receive my money back?

A: In the event of a claim please contact our Plan Administrator at:
Phone: 1-866-753-1002 (option 2)
Hours of operation: 8:30am-5:00pm ET Mon-Fri

If you have to cancel your trip due to an eligible reason call your tour operator to cancel immediately to avoid additional expenses due to late notification.

Claim forms will be mailed to you within two to three business days. For medical emergencies during your trip which require evacuation or interruption, promptly call On Call International, the assistance company, with your policy number and emergency details.

Upon receipt of completed claim forms and all necessary documentation, payments for eligible claims can generally be generated within 15 business days.

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Q: How do I check on the status of my claim?

A: To check the status of your claim you can contact our Plan Administrator at:
Phone: 1-866-753-1002 (option 2)
Hours of operation: 8:30am-5:00pm ET Mon-Fri

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Q: Who is a covered "Family Member” under the plan?

A: A Family member includes Your or a Traveling Companion's legal or common-law spouse, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, or Business Partner who reside in the United States, Canada, or Mexico.

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Q: What are the covered medical expenses if I become sick or injured while on my trip?

A: The Alumni Travel Protect Plans provide coverage for a vast array of medical expenses which could be incurred as a result of a sickness or injury. The plans provide Accident and Sickness Medical and Dental Expense benefits for necessary services and supplies which are recommended by the attending physician. Covered medical expenses include the services of a legally qualified physician, surgeon, graduate nurse, dentist or osteopath; charges for hospital confinement and use of operating rooms; charges for anesthetics (including administration); x-ray examinations or treatments and laboratory tests; ambulance service; drugs, medicines, and therapeutic services and supplies.

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Q: Are there exclusions?

A: In order to provide this package of benefits, certain restrictions do apply. Exclusions are standard in most insurance products. Please see the Alumni Travel Protect Plan for a list of exclusions.

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Q: What is the maximum trip length for coverage?

A: Coverage is provided for trips up to 90 days or less.

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Q: How far in advance can I purchase the insurance?

A: The earliest you can purchase is 365 days from your trip departure date.

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Q: Who is eligible to purchase the plan?

A: Residents of all 50 states in the U.S. The plan can be purchased for any alumni sponsored trip.

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Q: Can I cancel my protection plan and get my plan fee refunded?

A: There is a 10 day “Free Look” to review the plan. If you decide to cancel the protection plan within 10 calendar days of purchase and have not incurred a claim, your plan fee will be refunded. After 10 days of plan purchase, there is no refund of the plan fee.

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Q: Who is a Traveling Companion?

A: A person who has coordinated travel arrangements or vacation plans with You, intends to travel with You during the trip and is further described on the Confirmation of Coverage. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.

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Q: Do the plans include a Pre-Existing Condition Waiver?

A: Yes, depending on the plan purchased, the Pre-Existing Conditions exclusion is waived if You (a) enroll in the plan at the time You pay the deposit required for Your Trip (or within 14, 21 or 30 days, depending on the plan purchased) of the initial Trip deposit; (b) purchase this Plan for the full cost of Your Trip; and (c) are medically able to travel on the Effective Date.

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Q: Do any of the plans have a Cancel for Any Reason (CFAR) benefit?

A: Yes, the Ultimate plan provides an optional CFAR upgrade that can be purchased for an additional fee.

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Q: What are the requirements under the CFAR benefit?

A: If You cancel Your Trip for any reason not otherwise covered by this Plan, the Company will reimburse You for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the Confirmation of Coverage provided:

  1. Your additional premium payment is received within thirty (30) days of the date Your initial deposit/payment for Your Trip is received; and
  2. You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within thirty (30) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added to Your Trip; and
  3. You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

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Q: Do any of the plans cover Non-Medical Emergency Evacuation?*

A: Yes, the Preferred and Ultimate plans include coverage if You require Non-Medical Emergency Evacuation due to one of the following Covered Reasons; a natural disaster, civil, military or political unrest, or You being expelled or declared a persona non-grata by a country You are visiting on Your Trip. The Covered Reasons must be due to a formal recommendation from the appropriate local authorities or the U.S. State Department. Evacuation must occur within ten (10) days of any covered event. On Call shall arrange Your evacuation by the most appropriate and economical means available and consistent with Your health and safety.

* Benefit not offered in the following states: FL, MN, MO, NH, NY, OR, PA, VA, WA.

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Q: Do any of the plans cover Natural Disaster Evacuation/Repatriation Services?

A: Yes, the Ultimate and Preferred plans include coverage if You require emergency evacuation due to a Natural Disaster, which makes Your location Uninhabitable, or Your specific location in the Host Country is deemed Uninhabitable by On Call Security Personnel. On Call will arrange and pay for evacuation from a safe departure point to the nearest safe location. On Call shall arrange and pay up to $150 per day, up to a maximum of three (3) days, for reasonable accommodations related to lodging and food if You are delayed at a safe haven. On Call shall also arrange and pay for one-way economy airfare to return You to the U.S. following a Natural Disaster Evacuation. Economy airfare and lodging costs shall not exceed a combined single limit of $5,000 USD per insured.

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Q: What assistance services does On Call provide under the plan?

A: On Call International travel assistance services provides a variety of travel related services. Services offered include:

  • Medical Evacuation
  • Medically Necessary Repatriation
  • Repatriation of Remains
  • Pre-Trip Information
  • Medical Monitoring
  • Medical, Dental and Pharmacy Referrals
  • Legal Referrals - Bail bond*
  • Hospital Admission Guarantee
  • Dispatch of Medicine
  • Translation Service
  • Lost Baggage Retrieval
  • Inoculation Information
  • Passport / Visa Information
  • Emergency Message Forwarding
  • Emergency Cash Advance*
  • Prescription Drug / Eyeglass Replacement*
     * Payment reimbursement is Your responsibility

Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help you resolve your emergency situation.

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Q: How can I view the Full Certificate of Insurance and Definitions before purchasing a plan?

A: Once you provide the basic information for a Quote and hit the “Next” button you will be directed to a Plan Details page, whereby full Coverage Descriptions of all three plans (Standard, Preferred or Ultimate) can be viewed by clicking the Plan name.

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