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Tara Tours strongly recommends that you purchased Travel Insurance. The following policy has been designed by Insure America for Tara Tours clients.

TRAVEL WORRY FREE….

Protect your investment from those unforeseen circumstances that may arise before or during your trip. Insure America’s Trip Protection Plan provides valuable coverage at an affordable price and includes the following benefits:

BENEFITS

Travel Protection Plan AI

-Tour Cost Trip Cancellation & Interruption 
-$ 500 Travel Delay ($100 maximum per day)
-$1,000 Baggage & Travel Documents 
-$ 100 Baggage Delay

-$ 500 missed connection
-$25,000 Medical Expense
-$100,000 Emergency Medical Transportation
-$25,000 Accidental Death & Dismemberment
-Included TRAVEL GUARD® Assistance 
-Included Livetravel

-Included Live Messaging

-Pre-trip Travel Advice

-Emergency Cash Transfer 

 

 

Tour Cost

Per Person

$ 0 - $ 500

$ 501 - $1,000

$1,001 - $1,500

$1,501 - $2,000

$2,001 - $2,500

$2,501 - $3,000

$3,001 - $3,500

$3,501 - $4,000

$4,001 - $4,500

$4,501 - $5,000

$5,001 - $5,500

Premium

Per Person

$ 45

$ 74

$ 93

$129

$164

$200

$235

$270

$305

$340

$407

Tour Cost

Per Person

$ 5,501 - $ 6,000

$ 6,001 - $ 6,500

$ 6,501 - $ 7,000

$ 7,001 - $ 8,000

$ 8,001 - $ 9,000

$ 9,001 - $10,000

$10,001 - $11,000

$11,001 - $12,000

$12,001 - $13,000

$13,001 - $14,000

$14,001 - $15,000

Premium

Per Person

$ 445

$ 483

$ 517

$ 579

$ 655

$ 731

$ 805

$ 884

$ 960

$1,037

$1,114

Additional Coverages

$ 25,000 Car Rental Collision Coverage


PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
If insurance is purchased within 24 hours of initial Trip payment, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all coverages contained in the policy. The Insured must be medically able to travel when you pay your premium. In the event a claim is filed, the Injury or illness must be substantiated to our Claims Department.
IMPORTANT — Exclusions apply to certain medical conditions.

Notice to State of Washington Residents:
This is not your insurance policy. To obtain your state-specific insurance policy, visit
www.insureamerica.com  or call 1.715.346.0860.

For coverage questions or to request a claim form, call toll-free 1.866.385.4839. For emergency help while on your Trip, see the information and phone numbers below

Blanket Travel Accident Insurance

This document describes the benefits and basic provisions of the policy. You

should read it with care so you will understand the coverage. The policy is the

only contract under which benefits are paid.

When calling from the U.S., 1.866.385.4839.

When calling from abroad, call collect 1.715.295.5452.

LiveTravel 24-Hour Assistance,

Pre-Trip Advice, Live Messaging: 1.800.826.8597

 

DETAILS OF COVERAGE

The following is a BRIEF description of coverage. A certificate of insurance will be provided to you upon receipt of insurance payment.

 

Trip Cancellation & Interruption

Trip Cancellation and Interruption pays for forfeited, non-refundable, unused payments

or deposits if due to:

• Unforeseen sickness, injury, or death of the Insured, a Traveling Companion,

Immediate Family Member, or Business Partner. (Certain exclusions apply.)

• Inclement weather conditions causing delay or cancellation of travel.

• The Insured’s principal residence being made uninhabitable by fire, flood or

similar natural disaster, vandalism, or burglary.

• The Insured(s) being subpoenaed, required to serve on jury duty, hijacked, or

quarantined.

• Being involved in or delayed due to an automobile accident en route to

departure.

• Strike, resulting in the complete cessation of travel services at the point of

departure and/or destination

• Primary Coverage.

 

Reasons not covered:

• Carrier-caused delays such as mechanical difficulties (covered under Travel

Delay).

• Travel arrangements cancelled by the tour operator, airline, or cruise line.

• Change in plans (“I just don’t want to go.”).

• Normal pregnancy or childbirth.

• Financial circumstances (“I can’t afford to go.”).

• Business or contractual obligations (“My boss changed my vacation.”).

• Any government regulation or prohibition, war, civil disorder.

 

Travel Delay

Reimburses up to $100 a day for reasonable additional expenses if delayed for

12 hours or more due to:

• Carrier delay such as mechanical difficulties.

• Lost passport, money, or travel documents.

• Natural disaster.

• Injury or sickness of the Insured or Traveling Companion.

 

Missed Connection

Reimburses up to the Maximum Benefit shown on the Schedule of Benefits if

delayed for three to less than twelve hours to your point of departure due to:

• Inclement weather

• Common carrier causes cancellaton or delay of all regluarly scheduled airline

flights.

 

Baggage & Personal Effects

• Reimburses for loss, theft, damage, and mysterious disappearance of baggage

and personal effects.

• Primary coverage — no need to present a claim to another carrier such as

Homeowner’s.

• Covers loss due to unauthorized use of credit cards if the Insured has

complied with credit card conditions.

• Pays for administrative fees to reissue lost or stolen tickets.

• Coverage for cameras, musical instruments, breakage of brittle or fragile

articles, and golf and scuba equipment.

 

Baggage Delay

• Reimburses for the purchase of essential items if baggage is delayed or

misdirected for more than 24 hours.

 

Medical Expense

• No daily limits or deductibles.

• Pays for physician, hospital, ambulance services, and prosthetic devices. Initial

treatment must be received during trip. We will pay for covered expenses for

up to one year from date of injury/sickness.

• Pays for emergency dental expenses during the trip.

 

Emergency Medical Transportation

• Evacuation to 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.

 

AIG Travel Assist*

This is a non-insurance service.

• Advancement of funds to cover on-site medical expenses.

• Telephone interpretation services in major languages.

• Replacement of lost passport and other incidentals as may be required.

• Assistance to locate local physicians, dentists, or medical facilities.

• Professionals will monitor the Insured’s condition and contact their personal

physician.

• Evacuation to a hospital, treatment facility, or back home.

• 24-hour emergency hotline.

 

24-hour LiveTravel® Assistance*

 

LiveTravel – 24-hour hotline to make emergency travel changes once travel has

commenced, such as rebooking flights, hotel reservations, tracking lost luggage and

more! Call 1.800.826.8597 for assistance.

 

Live Messaging – relay of e-mail or phone message to family, friends, or

business associates.

Pre-trip Travel Advice – around-the-clock access to passport, visa, inoculation,

and vaccine requirements; travel advisories; embassy and consulate contacts;

travel health advisories; weather and currency information – all for your planned

destination.

Emergency Cash Transfer – assistance in coordinating an

emergency cash advance.

*Non insurance services are provided vy AIG Travel Assist.

 

— OPTIONAL COVERAGE —

$25,000 Primary

Car Rental Collision Coverage

• Collision and comprehensive coverage for any damage that the car rental

contract holds the Insured responsible for.

• Subject to a $250 deductible.

 

PRE-EXISTING MEDICAL CONDITION EXCLUSION

APPLICABLE TO ALL COVERAGES

The Insurer will not pay for loss or expense incurred as the result of an Injury, Sickness or other condition of the Insured, a Traveling Companion, or an Immediate Family Member of the Insured or Traveling Companion which, within the 60 day period before the Insured's coverage began: (a) first manifested itself, worsened, became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) required treatment by a Physician or treatment had been recommended by a Physician.

This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your plan cost. In the event that a claim is filed, the injury or illness must be substantiated to AIG Claims Department.

Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, PA, a member of the AIG Companies®, with its principal place of business in New, York, NY. Coverage may not be available in all states.

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.

AIG Travel Guard

1-866-385-4839

Refer to product number 007715

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Last modified: May 08, 2008