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.

Unfortunately, the old saying is right, "Bad things can happen to good people," often when they least expect them.

Who is immune to illness (you or someone in your family) that could cause your to have to cancel your travel or cut it short? Who is immune to an accidental fall or slip that could mean a visit to the hospital? If that hospital is in a foreign country, chances are they will demand cash payment. And there are issues like hurricanes, missed flight connections, lost passports, lost luggage, etc. Are you protected?

Travel insurance gives travelers coverage for unforeseen problems

​That means for things like a cancelled flight due to a serious illness—or 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.

You insure your home, you insure your car. Shouldn't you insure your travel as well?

​We offer options for protection

When our clients purchase their travel through our preferred supplier Classic Vacations, we urge including the excellent Travel Smart Plan (TSP) protection in their package if they are traveling outside the USA. If they are going to Hawaii, we suggest including 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, a reliable and widely respected travel insurance companies. [SEE BELOW FOR CHOICE OF COVERAGE & A QUOTE]

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.

 

EVEN IF YOU ARE BOOKING YOUR TRAVEL ELSEWHERE,

PROTECT YOURSELF

You can check out Travel Guard Travel Protection plans
by clicking on the icon below:

 

“Quoted price for plan includes both insurance premium and fee for travel assistance services.”

Do you think you are fully covered already by your credit card?

If you believe your credit card already protects you and don't need to purchase travel insurance, make sure you have a thorough understanding of what your credit card covers and what it does not. Call your credit card company and ask  questions such as the following:

- Are there coverage limits for overall protection and individual benefits?

- Who is covered under the policy, is it only the primary card holder?

- Is the coverage only valid up to a certain age limit?

- Does it cover an unexpected injury or illness while traveling?

- Does it include benefits if I have to cancel my trip before I leave or if am interrupted during my trip?

- Does the coverage only apply if the trip was purchased with the credit card?

- Does it only cover certain trip durations?

- Whathe;p do you offer if my luggage is lost or a flight delay causes me to miss connections for the rest of my trip?

- If a family member has medical issues back home and I have to return early, are my costs covered?

 

 

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Classic Vacations

Travel Smart Protection (TSP) 

Classic’s Travel Smart Plan helps You book travel with confidence. Now with three distinct levels designed to give You choices to choose a Plan that may meet Your needs.

Each version of the Travel Smart Plan consists of two parts:

Part A: Classic’s Change & Cancellation Waiver allows You to change or cancel Your Trip for any reason or lock the price for Your vacation as soon as You meet the minimum required deposit. Classic Vacations will waive supplier change or cancel fees and refund the amounts You have paid for hotel, rental car, ground transportation and destination activity reservations. Part A is provided by Classic Vacations and is not an insured benefit.

Part B: Travel Insurance Benefits for: Trip Cancellation (for Published Air Ticket Cost only – TSP - Prestige Plan A423P; and for Published Air Ticket Cost up to a maximum of $1,000 – TSP - Preferred Plan A423S); Trip Interruption: Trip Delay (for all Classic provided travel arrangements); Medical Expense / Emergency Evacuation; Baggage & Personal Effects; and Baggage Delay. The Part B Travel Insurance Benefits of this Plan are underwritten by Arch Insurance Company.

Travel Smart Plan Highlights

Part A: Classic Change & Cancellation Waiver (provided by Classic Vacations):

• TRIP CHANGE OR CANCELLATION – CANCEL FOR ANY REASON

  If you change or cancel your trip for any reason, Classic Vacations will not charge any fees to change or cancel your reservation. However, some suppliers do assess change or cancel fees (policies vary by supplier and will be communicated at time of booking). Classic will refund to you supplier change and/or cancel fees up to a per reservation maximum amount. The per reservation maximum amount of non-refundable supplier change and/or cancel fees that Classic will refund is: $15,000 on the TSP Land Only Plan (A423L), $15,000 on the TSP Preferred Plan (A423S), and $50,000 on the TSP Prestige Plan (A423P). Trip components (excluding published air) not assessed supplier change or cancel fees will be refunded at 100%.

  AIR CHANGES

  Classic Vacations will waive up to two (2) change fees imposed by airlines for airfare reservations.

  PRICE PROTECTION

  Classic Vacations will cover any increase in the price of airfare, hotel, rental car, ground transfer or destination activity reservations over the price at the time Classic Vacations receives the minimum required deposit. No coverage for increases in price due to itinerary changes requested by Traveler.

Part A: Classic Vacations Change & Cancel Waiver Limitations (provided by Classic Vacations):

• Only applicable to a one-time waiver of supplier change or cancel fees for each Trip component with the exception of two (2) change fees per person for published or non-refundable air reservations.
• No refunds or reimbursements for no-shows, missed flights, name changes, lost or stolen tickets, or denied boarding due to late arrival or inadequate travel documentation.
• No reimbursements for baggage charges.
• No refunds or reimbursements for unused portions of airfare.
• No refunds or reimbursements for frequent flier redemptions or redeposit fees.
• No reimbursement for increases in price due to itinerary changes initiated by Traveler, including changes in occupancy for shared accommodations.
• No reimbursement for loss of discounts associated with shortened hotel stays or failure to adhere to supplier terms and conditions, such as minimum night stays.
• No reimbursement or waiver of fees for destination activities cancelled less than forty-eight (48) hours prior to commencement
• Traveler must pay price increases resulting from changes in tax rates or supplier surcharges, including fuel surcharges.
• Classic Vacations is not responsible for schedule changes, airline strikes or other occurrences outside of its control.
• No refunds for published airfare reservations. In most cases, the full amount of money paid for published air travel will be made available in the form of a credit for future travel, subject to restrictions and limitations imposed by airlines. Airfare credits are typically limited for use by the named ticketed passenger on the same airline for a period of up to one year from the original ticketing date.
• Select non-refundable rate Plans and products may not be covered by Classic’s Change & Cancellation Waiver and will be noted on Your itinerary
• All requests for reimbursement must be made within the twenty four (24) month period from the date of purchase of the Classic’s Change & Cancellation Waiver
• No reimbursement for the cost of Classic Vacations’ Price Protection and Change & Cancel Waiver.
• In order to qualify for cancellation reimbursement under Part A You must cancel your entire Classic Vacations trip.

Part B: Travel Insurance Benefits (underwritten by Arch Insurance Company):

Benefit Highlights:

• WAIVER OF PRE-EXISTING MEDICAL CONDITIONS – ALL

  When the Travel Smart Plan is purchased within 24 hours of the date Your initial deposit/payment for Your Trip is received by Classic Vacations, and the booking for the Trip is Your first and only booking for this travel period and destination, then the Pre-Existing Conditions Exclusion under Part B of the Travel Smart Plan will be waived, provided You are not disabled from travel at the time You make Your payment for this Plan.

  TRIP CANCELLATION (FOR PUBLISHED AIR TICKETS) – Preferred Plan Only

  If you cancel Your Trip any time prior to departure due to a Covered Reason, You may be eligible to-receive reimbursement of up to $1,000 per person of the non-refundable published air ticket cost.

  TRIP CANCELLATION (FOR PUBLISHED AIR TICKETS) – Prestige Plan Only

  If You cancel Your Trip any time prior to departure due to a Covered Reason, You may receive reimbursement of up to 100% of the non-refundable published air ticket cost. If You cancel Your Trip for any reason up to 48-hours prior to departure, You may receive reimbursement of up to 75% of the non-refundable published air ticket cost, provided Your payment for this Plan has been received within 24 hours of the date Your initial deposit/payment for Your Trip is received, and that You insure 100% of the cost of all Travel Arrangements that are subject to cancellation penalties or restrictions.

Part B - Travel Insurance Benefits (per person)
	Maximum Benefit Amount
Schedule of Benefits	TSP - Land Only A423L	TSP - Preferred A423S	TSP - Prestige A423P
Trip Cancellation (Published Air Only)	Not Included	Air Ticket - max $1,000	Air Ticket - Cost
Trip Interruption	Unused land & return air	Trip Cost	Trip Cost
Travel Delay (Up to $150 Per Day)	$600	$600	$1000
Accidental Death & Dismemberment	$15,000	$15,000	$25,000
Medical Expense / Emergency Evacuation Accident and Sickness Medical Expense Emergency Evacuation and Repatriation	$25,000 $50,000	$25,000 $50,000	$100,000 Included Included
Baggage & Personal Effects	$500	$500	$1,000
Baggage Delay	$250	$250	$500
Cancel For Any Reason (Published Air Only)	Not Included	Not Included	75% of Air Ticket Cost

Non-Insurance Services - Applicable to All Plans
One Call 24-Hour Worldwide Assistance Services
Global Xpi Medical Records Services

 

Non-Insurance Services:

• CONCIERGE SERVICES - ALL

  Receive assistance in making restaurant reservations, arranging ground transportation, booking event tickets, making tee time reservations, arranging floral services and more.

  24/7 WORLDWIDE MEDICAL & TRAVEL ASSISTANCE SERVICES - ALL

  Receive assistance with transfer of funds for on-site medical expenses, telephone interpretation services in major languages, replacement of lost passports and other incidentals, assistance to locate local physicians, dentists or medical facilities, Emergency Evacuation assistance and 24-Hour emergency hotline.

DISCLAIMER

Please Note: In order to qualify for cancellation reimbursement under Part B you must cancel your entire Classic Vacations trip. This is only a brief description of the benefits and services included in this Plan. Plan benefits and services are subject to provisions, exclusions and limitations which may vary by state jurisdiction. This advertisement does not constitute or form any part of the Plan Document or any other contract of any kind. The Plan Document will be sent with Your initial invoice. It is also available to You at www.tripmate.com/wpA423P for TSP – Prestige,www.tripmate.com/wpA423S for TSP - Preferred, or www.tripmate.com/wpA423L for TSP – Land Only. Certain terms, conditions, and limitations may apply. See the Plan Document for complete details. Coverage options may vary and may not be available in all states.

Non-Insurance Services provided by: One Call Worldwide Travel Services Network, Inc. and Global Xpi are not insurance benefits underwritten by Arch Insurance Company.

The Part B Travel Insurance Benefits for Plan Numbers A423P, A423S, and A423L are underwritten by: Arch Insurance Company.

All Plan Benefits are administered by the Producer: Trip Mate, Inc. (in CA & UT, dba Trip Mate Insurance Agency), 9225 Ward Parkway, Suite 200, Kansas City, MO, 64114, 1-844-207-1929.

 

  

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

 

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