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Learn about the benefits typically available in travel insurance and passenger protection plans.
View our Frequently Asked Questions on travel insurance and passenger protection plan claims processing.
If you are unable to find an answer in our Frequently Asked Questions, visit our Contact Us page.
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It is important to refer to your plan description for specific details on the program you have purchased. The following information is provided as a general guideline only.
Please read about the benefits typically available in travel insurance and travel, passenger and cruise protections plans:
Trip Cancellation/ Trip Interruption:
If your plan includes "Trip Cancellation/Trip Interruption" protection you may be entitled to reimbursement (up to the dollar limit specified in your plan) if you are prevented from taking or completing your trip due to a covered reason. Please refer to your plan description for further explanation.
Trip/Travel Delay:
If your plan includes "Trip Delay" or "Travel Delay" protection and the flights departing to, or returning from, your travel arrangements (tour, cruise or other) are substantially delayed, you may be entitled to reimbursement of the cost of catching up with your trip, or for the expenses resulting from delays returning home - up to the dollar limit specified in your plan.
Reimbursable expenses may include additional airfare, meal and lodging expenses (if not provided by your airline). The coverage may also include reimbursement for the days of your trip that are missed, again, up to the trip delay coverage limit indicated in your plan description brochure. Per day limits may also apply. The trip delay coverage usually "kicks in" after delays of a specified number of hours, also indicated in your plan description.
Baggage Protection:
If your plan includes "Baggage Protection" you may be entitled to reimbursement for loss, theft or damage to baggage and personal effects. Additionally, you may be entitled for reimbursement for expenses of necessary personal effects purchased while at a destination other than your place of residence if your bag was delayed or misdirected by a Common Carrier for more than 24 hours from the time you arrived at the destination stated on your ticket. You must be a ticketed passenger on a Common Carrier. The amount of the reimbursement is not to exceed the dollar limit specified in your plan.
Medical Protection:
If your plan includes "Medical Protection" you may be entitled to reimbursement for Emergency Evacuation, Repatriation of Remains and Accident and Sickness Medical Expense. Please refer to your Description of Coverage for more details and plan dollar limits.
Rental Car Damage:
If your plan includes "Rental Car Damage" protection and if while on a covered trip your rental car is damaged due to a covered reason, you may be entitled to reimbursement (up to the dollar limit specified in your plan). Please refer to your plan description for further explanation.
Security Deposit:
Provides reimbursement (up to the dollar limit specified in the plan description) to a property owner for covered damages that occur to their property as a result of a renter. Please refer to your plan description for further explanation.
We understand that a trip can take a year to save for, but only a second to ruin. Here are the top reasons to add Shipmate Travel Protection:
Up to total trip cost if you need to cancel or interrupt for a covered reason
Up to $1,000 if you experience a trip delay for 12+ hours
Up to $1,500 if your bags are lost, stolen or damaged
Up to $50,000 of medical expense coverage
24/7 worldwide emergency assistance
TRAVEL INSURANCE BENEFITS
Underwritten by Arch Insurance Company
Trip Cancellation
Total trip cost
Trip Interruption
Trip delay (12+ hours).
Up to $1,000
Missed Connection (3+ hours)
Up to $1,000 / $200 per day
Accident Medical Expense
Up to $50,000
Sickness Medical Expense
Emergency evacuation/repatriation of remains, baggage and personal effects.
Up to $1,500
WORLDWIDE EMERGENCY ASSISTANCE
Non-insurance services provided by CareFree Travel Assistance TM
24/7 travel assistance, medical assistance and emergency services
Within the US & Canada: 1-800-618-0962 Outside the US & Canada: 1-603-328-1711
NEED TO FILE A CLAIM?
Please visit www.aontravelclaim.com
TRAVEL PROTECTION POLICY DETAILS
Click here to view your plan documentation.
Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150), under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply.
Travel protection is not in effect until the plan cost has been received by ShipMate in addition to any trip deposits due.
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