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Travel Protection
-- Don't Leave Without It! |
No one wants or ever expects a problem or an accident whem they travel. We hope you never have one but they are a part of life, nontheless.
Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even a hurricane or an act of terrorism. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.
When our clients purchase their travel through our preferred supplier Classic Vacations, we automatically include their excellent Travel Smart Plan (TSP) protection in their package if they are traveling outside the USA. If they are going to Hawaii, we include Classic's Change & Cancellation Waiver with an option to upgrade to TSP if they do not have sufficient personal medical coverage. Scroll down this page to read about these two protection plans.
But what if your travel is not arranged through Classic Vacations? We offer a wide range of choices through Travel Guard, the same company that provides TSP to Classic Vacations' travelers.
Remember, even if you have excellent medical insurance already, if you are traveling outside the USA, it is probably not accepted by doctors and hospitals. And foreign medical providers don't accept credit cards or personal checks. Good travel insurance will fill the gap.
You can check out Travel Guard insurance plans
by clicking on the icon below.
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Classic Vacations
Travel Smart Protection (TSP)
Pre-Travel Coverage
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Price Protection - guarantees the vacation price will not change once we receive payment, unless you initiate a change that results in a new price. Does not cover new taxes or fuel surcharges.
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Trip change fee coverage – allows you to change room categories, hotels, dates… even destination changes without cancellation and rebooking penalties.
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Cancellation for any reason* – covers the entire package including airfare if it is refundable (contract) air, regardless of airline penalties. Allows you to cancel for ANY reason up to 24 hours prior to scheduled departure. *Non-refundable (published) airfare is recoverable if cancellation is for medical reasons covered by the insurance plan.
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If published airfare is included in your itinerary, it is non-refundable and non-transferable. Should you not take the trip as planned, the value of the ticket could be applied to flights on the same airline but a change fee would be assessed by the airline. Change fees would be covered up to twice by the Classic Travel Smart Plan but you cannot get a refund on the price of the ticket and it must be used within one year of the date of purchase (not the date of intended travel).
In the event of a total cancellation, Directional Strategies will charge a $50 per person Agency Cancellation Fee which is not covered by TSP.
Coverage During Travel
Additionally, the plan provides access to a wide range of traveler’s assistance services while you are away. Working with Travel Guard® International, America’s number one travel insurance provider, this plan covers:
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Pre-existing medical conditions – yourself & your family
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Medical coverage for illness or injury sustained while abroad (up to $25,000 per person)
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Emergency medical evacuation or transportation (up to $50,000 per person)
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Baggage loss, theft, or damage to personal items (up to $1,000 per person, includes lost or stolen passport)
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Trip or baggage delay (up to $100 per person/day)
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Trip cancellation or interruption, for an illness or injury sustained while on vacation (covers travelers AND members of their families)
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Help when you need it ANYWHERE in the world -While traveling, you are covered from the unexpected, with toll-free access to a 24/7 assistance network. Travel Guard’s World Service Center also boasts multi-lingual counselors that can help in any sort of emergency from medical to legal issues.
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Classic Vacations Change & Cancellation Waiver
Price Protection
With the purchase of the Classic Vacations Change & Cancellation Waiver, "the Waiver", we guarantee that your vacation price will not change once we receive deposit or full payment on the booking, unless you initiate a change that results in a new price (such as requesting a higher room category or changing dates or destinations).
Pre-Travel & During Travel
With the purchase of the waiver, you are covered for:
- Hotel, air, and rental-car price increases (unless you make a change that results in a higher price and subject to the following restrictions)
- Airline change or cancellation penalties (a maximum of two changes are allowed on published air or other restricted fares, per person per booking)
- Hotel change or cancellation fees, with some exceptions
- Tours and Activities change or cancellation fees if cancelled 24 hours prior to scheduled use
- Classic Vacations' change or cancellation fees prior to travel for any reason, except for restrictions noted below
- If you return early from your vacation, Classic Vacations will refund all unused hotel and car rental components originally purchased through Classic Vacations, if minimum stay requirements have been met
What Is Not Covered
- Price increases and/or changes or cancellations due to:
- No shows, missed flights, name changes, lost or stolen tickets
- Tax increases (including fuel, airline and airport surcharges)
- Client-initiated changes that result in fare or accommodation cost increases
- Air routing changes
- Excess baggage charges
- Changes in occupancy for shared accommodations
- Private jet charters, yachts, cruises, and most villas
- Non-certified documents or denied boarding as a result of inadequate travel documentation or late arrival. Additional documentation may be necessary for layovers and stopovers in countries other than the final destination
- Denied boarding due to inadequate travel documentation or late arrival
- Changes that result in the booking not meeting minimum package requirements, which vary by supplier and destination
- Client initiated requests to change flights provided as a result of a carrier schedule change
- Directional Strategies Cancellation fees of $50 per person
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For additional protection see our Travel Smart Plan™ program (in left column), an insurance product that includes during-travel insurance benefits including medical coverage.
Additional Restrictions
The Waiver is not refundable
Name changes will be treated as a cancellation to which the waiver does not apply, and all cancellation fees will apply
No refunds are allowed on unused portions of airline tickets
Once travel has commenced, routing and/or class of service changes are not permitted
For some discounted, non-refundable airline tickets, the Change and Cancellation Waiver covers only airline change and cancellation fees. It does not cover the airline ticket.
For refunds on special or weekly rates for accommodations and/or car rentals, the used portion will be charged at regular published daily rates
If changing a booking after the Waiver has been purchased, the client is responsible for paying the difference (if any) in the new Waiver price
Classic Vacations reserves the right to suspend offering and selling the Change & Cancellation Waiver at any time
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