Travel Insurance

Protect your travel investment with Explore Tours' Travel Protection Plan. Click here for RATES and for more DETAILS on this coverage

 

 

Reasons to Purchase Travel Insurance

 

You can't afford to travel without it! 

There are hundreds of circumstances that could cause you to cancel your trip, or return home early. To demonstrate the importance of purchasing travel insurance, here are some common examples of what could go wrong. Incidentally, all are covered by our AIG Travel Guard travel insurance policy:

 

1. You could lose money you've invested for your trip, such as nonrefundable deposits, if bad weather conditions cause delay or cancellation of your trip.

2. You may have to cut your trip short and return home for an emergency such as an unexpected illness or death in the family forcing you to lose the remaining pre-paid portion of your trip and pay a ticket change fee for your return travel arrangements.

3. Your luggage could be lost, delayed or stolen, forcing you to purchase additional clothes, essentials or even prescription medications.

4. The airline, cruise line or tour operator with which you're scheduled to travel suddenly goes on strike leaving you with no option but to cancel your trip with no recourse for reimbursement.

5. You could run into major travel delays forcing you to miss a portion of your trip or cruise and be forced to pay additional lodging expenses while you wait.

6. You could be forced to evacuate your resort due to a predicted hurricane or other weather conditions, cutting your trip short... with no recourse for reimbursement for the remaining portion of your vacation.

7. You could lose your important travel documents stranding you while traveling abroad.

 

 

Why AIG Travel Guard?

 

Not all travel insurance companies are the same!

 

When purchasing travel insurance, it's important you look closely at the coverages and services you'll receive. Here is a quick summary of what makes AIG Travel Guard different than the competition: Exceptional customer service - they take great pride in providing the high levels of service for which has built their reputation.

 

When you choose AIG Travel Guard, you can expect:

• Policies to be issued within 24 hours of the application being received
• All phone calls answered within 30 seconds
• Assistance 24 hours a day, 7 days a week, 365 days a year
• A zero defect tolerance for customer satisfaction
• Fast, fair claims service - You won't find a faster, more accurate claims process than you will with AIG Travel Guard.

 

Claims process standards include:

• All Claims reviewed by an experienced analyst within 24 hours
• Claims payment is finalized within 24 hours of receipt of final documentation
• 100% correct payments and calculations on all claims
• The "Fairness Principle" - all denied claims are sent to a mediator for review and the mediator's decision is honored.
• The best travel assistance service in the industry – AIG Travel Guard provides its policyholders 24-hour emergency travel assistance.
• Whether you need help finding medical care halfway around the world, making emergency arrangements to return home or obtaining an emergency cash advance, you can access their toll-free hotline from anywhere in the world, any time of day.  

 

 

Insurance F.A.Q.'s

 

Q. What is the pre-existing condition waiver and how can I qualify?
A. 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. You must be medically able to travel when you pay your plan cost. In the event a claim is filed, the injury or illness must be substantiated to our Claims Department.

Q. Does everyone need to purchase the insurance?
A. Our plan is on a per person basis. Each person only needs to cover their own trip arrangements.

Q. Are there co-payments or deductibles with your plan?
A. There are no deductibles or co-payments required.

Q. What does this plan cover for cancellation?
A. This plan covers if you have an unforeseen sickness, injury or death of yourself, a family member or a travelling companion. The plan also covers for inclement weather, unforeseen labor strikes affecting public transportation, and unforeseen traffic accidents.

Q. Can you cancel your trip for any reason?
A. Only certain unforeseen circumstances would be covered. A list of these circumstances is included in the Description of Coverage.

Q. What happens if someone not travelling becomes ill or passes away? Is this covered?
A. An illness or death of a family member not travelling with you would be covered, however, the same pre-existing clause would apply. The definition of a family member is included in the Description of Coverage.

Q. Will AIG Travel Guard track my baggage if it is lost? And if so, for how long?
A. If your baggage is lost while you are covered under the policy we do track your baggage for one full year if it is not found.

Q. When does the coverage begin?
A. The Trip Cancellation coverage begins at 12:01 am local time at the location of the insured on the day after the Enrollment Form and payment is received by AIG Travel Guard. All other coverages will begin at 12:01 am local time at the location of the insured on the scheduled trip departure date shown on the Enrollment Form provided required payment has been received.

Q. How do I file a claim?
A. To file a claim, you can call AIG Travel Guard between the hours of 7:00 am and 7:00 pm Central Time and start the process with a Claims Analyst. The analyst will explain what needs to be provided in order to process your claim. The form will then be faxed or mailed to you to provide that information.