| Schedule of Coverages - Part A The Pre-Departure Cancellation Waiver Benefits of this Part A are provided by Alaska Airlines Vacations. |
Maximum Benefit Amount |
|---|---|
| Pre-Departure Trip Cancellation Waiver | Up To Trip Cost |
| Schedule of Coverages - Part B Travel Insurance Benefits of this Part B are provided by the insurance companies listed below |
Maximum Benefit Amount |
|---|---|
| Medical Expense / Emergency Assistance | $25,000 |
| Accident and Sickness Medical Expenses | Included |
| Emergency Evacuation and Repatriation | Included |
| Post-Departure Trip Interruption | Up To Trip Cost |
| Trip Delay (Up To $100 Per Day) | $500 |
| Baggage/Travel Documents | $1,000 |
| Baggage Delay | $200 |
Alaska Airlines Vacations Pre-Departure Cancellation Waiver
Cancel your vacation for any reason up until four hours prior to departure and receive a refund equal to the amount of payments made to Alaska Airlines Vacations (less the cost of the Travel Protection Plan, which is non-refundable). $100 per person deposit will be refunded in the form of a travel credit valid on a future Alaska Airlines Vacations package.
The Travel Protection Plan is only available on Alaska Airlines Vacation Packages that include air travel on Alaska or Horizon Air and must be purchased at the time of booking or when deposit is paid.
The Travel Protection Plan does not cover revision fees or additional per person occupancy rates that may occur if the number of travelers changes. Alaska Airlines Vacations must be properly notified of the cancellation in order for the benefit(s) to apply. The Plan does not cover "no-show" situations. A "no-show" is defined as a failure to notify Alaska Airlines Vacations of a cancellation prior to 4 hours before departure.
Pre-Travel Cancellation Protection is not insurance and applies only to situations prior to departure.
Once travel has commenced, the insurance benefits detailed in Part B will apply.
How to File a Trip Cancellation Waiver Claim:
If you find it necessary to cancel your vacation, contact Alaska Airlines Vacations by telephone, fax or e-mail as follows:
Alaska Airlines Vacations
Tel: (800) 468-2248
Fax: (800) 268-9001
E-Mail: Alaska.Vacations@alaskaair.com
If you purchased your vacation through a Travel Agent, please advise your agent immediately of your need to cancel.
Part B - Insurance Claims
For coverage situations that arise once your trip has commenced, contact Trip Mate Insurance Agency at the address/telephone number indicated in Part B below.
Please see the Definitions, for an explanation of Pre-Existing Conditions which are excluded under the Medical Expense/Emergency Assistance, Post-Departure Trip Interruption and Travel Delay Benefits. (Unless this exclusion is waived, See Policy Exclusions below)
Please note, this plan may not be purchased after you have made your final payment for your Trip.
Medical Expense / Emergency Assistance
We will pay this benefit, up to the amount on the Schedule of Coverages, for the following Covered Expenses incurred by you, subject to the following:
Covered Expenses:
1. Expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you within one year from the date of your Sickness or Injury during a trip;
2. Expenses for emergency dental treatment incurred by you during a Trip;
3. Expenses incurred for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the prior approval of the Program Medical Advisors;
4. Expenses incurred for medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence in the United States of America, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors’ prior approval;
5. Expenses for transportation, not to exceed the cost of one round-trip economy class air fare, to the place of hospitalization for one person chosen by you, provided you are traveling alone and are hospitalized for more than 7 days;
6. Expenses for transportation, not to exceed the cost of one-way economy class air fare, to your place of residence in the United States of America, including escort expenses, if you are 18 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors’ prior approval;
7. Expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your place of residence in the United States of America or Canada, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;
8. Repatriation expenses for preparation and air transportation of your remains to your place of residence in the United States of America or Canada, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the United States of America or Canada.
Post-Departure Trip Interruption
We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if:
1) Your arrival on your Trip is delayed beyond the Scheduled Departure Date; or
2) You are unable to continue on your Trip after you have departed on your Trip due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s Sickness, Injury, or death.
For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2) above, commence while you are on your Trip and your coverage is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Trip or to prevent you from continuing your Trip.
We will pay a benefit if: 1) your arrival on your Trip is delayed beyond the Scheduled Departure Date; or 2) you are unable to continue on your Trip after you have departed on your Trip due to Other Covered Events, as defined.
Benefits: Post-Departure Interruption
We will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, plus one of the following:
1) The additional transportation expenses by the most direct route from the point you interrupted your Trip: a) to the next scheduled destination where you can catch up to your Trip; or b) to the final destination of your Trip; or
2) The additional transportation expenses incurred by you by the most direct route to reach your original Trip destination if you are delayed and leave after the Scheduled Departure Date
However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.
3) Your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted and your Trip is continued.
Trip Delay
If your Trip is delayed for 12 hours or more, we will reimburse you, up to the amount shown in the Schedule for reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and local transportation while you are delayed. We will not pay benefits for expenses incurred after travel becomes possible.
Travel Delay must be caused by or result from: 1) Common Carrier delay; or 2) loss or theft of your passport(s), travel documents or money; or 3) quarantine; or 4) hijacking; or 5) natural disaster or closure of public roadways by government authorities due to adverse weather; or 6) Injury or Sickness of you, an Immediate Family Member traveling with you, or a Traveling Companion; or 7) death of you, an Immediate Family Member traveling with you, or a Traveling Companion.
Baggage and Personal Effects
We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip.
We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies.
Items Subject to Special Limitations: We will not pay more than $500 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $250 per item limit.
Valuation and Payment of Loss: Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss. We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.
Items Not Covered: We will not pay for damage to or loss of: 1) animals; 2) property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof; 3) boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances; 4) artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses; 5) documents or tickets, except for administrative fees required to exchange tickets; 6) money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards, except as noted above; 7) property shipped as freight or shipped prior to the Scheduled Departure Date; 8) contraband.
Losses Not Covered: We will not pay for loss arising from: 1) defective materials or craftsmanship; or 2) normal wear and tear, gradual deterioration, inherent vice; or 3) rodents, animals, insects or vermin; or 4) theft or pilferage from an unattended vehicle; or 5) mysterious disappearance; or 6) electrical current, including electric arcing that damages or destroys electrical devices or appliances.
Baggage Delay
We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Trip.
We will also reimburse you up to $25 for expenses incurred during your Trip to expedite the return of your delayed Baggage.
This coverage terminates upon your arrival at the return destination of your Trip.
Who is eligible for coverage
A person who has arranged to take a Trip, pays the required plan payment, and is a citizen or resident of the USA or Canada.
When Coverage Begins
Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date of your Trip if the required payment for the plan is received.
All other coverages will take effect on the later of 1) the date the plan payment has been received by Alaska Airlines Vacations; 2) the date and time you start your Trip; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Trip.
When Coverage Ends
Your coverage automatically ends on the earlier of: 1) the date the Trip is completed; 2) the Scheduled Return Date; 3) your arrival at the return destination on a round-trip, or the destination on a one-way trip; 4) cancellation of the Trip covered by the plan. Termination of the plan will not affect a claim for loss that occurs after payment for the plan has been made. All coverages under the plan will be extended if your entire Trip is covered by the plan and your return is delayed by unavoidable circumstances beyond your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date you reach your originally scheduled return destination or seven (7) days after the Scheduled Return Date.
In this plan, "you", "your" and "yours" refer to the Plan Participant. "We", "us" and "our" refer to the company or Insurer providing this coverage. In addition certain words and phrases are defined as follows:
"Actual Cash Value" means current replacement cost for items of like kind and quality less depreciation.
"Baggage" means luggage, personal possessions and travel documents taken by you on the Trip.
"Business Partner" means an individual who is involved with you in a legal partnership and shares in the management of the business.
"Common Carrier" means any land, water or air conveyance operated under a license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.
"Domestic Partner" means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.
"Elective Treatment and Procedures" means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.
"Hospital" means an institution, which meets all of the following requirements: 1) it must be operated according to law; 2) it must give 24 hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis; 3) it must provide diagnostic and surgical facilities supervised by Physicians; 4) registered nurses must be on 24 hour call or duty; and 5) the care must be given either on the hospital’s premises or in facilities available to the hospital on a pre-arranged basis. A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).
"Immediate Family Member" includes your or the Traveling Companion’s spouse, child, spouse's child, son-daughter-in-law, parent(s), sibling(s), grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster-child, or ward.
"Injury" means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
"Insured" means an Eligible Person who arranges a Trip and pays any required plan payment.
"Insurer" means Monumental General Casualty Company or Stonebridge Casualty Insurance Company.
"Other Covered Events" means only the following unforeseeable events or their consequences which occur while coverage is in effect under this plan:
1. arrangements canceled by an airline resulting from inclement weather;
Item #1 above applies only to Post-Departure Trip Interruption benefits and is subject to a limit of $100 per day to a maximum of $500.
2. a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this plan: a) being directly involved in a documented traffic accident while en route to departure; b) being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not 1) a party to the legal action, or 2) appearing as a law enforcement officer; c) your Home is made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster; d) being called into active military service to provide aid or relief in the event of a natural disaster; e) a documented theft of passports or visas; f) a transfer of employment of 250 miles or more.
"Other Valid and Collectible Group Insurance" means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.
"Physician" means a person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.
"Policy" means the contract issued to the Policyholder providing the benefits specified herein.
"Policyholder" means the legal entity in whose name this Policy is issued, as shown on the Benefit Schedule.
"Pre-Existing Condition" means an illness, disease, or other condition during the 60 day period immediately prior to your effective date for which you or your Traveling Companion or Immediate Family Member scheduled or booked to travel with you: 1) received or received a recommendation for a diagnostic test, examination, or medical treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this plan.
"Program Medical Advisors" means ON CALL INTERNATIONAL.
"Scheduled Departure Date" means the date on which you are originally scheduled to leave on your Trip.
"Scheduled Return Date" means the date on which you are originally scheduled to return to the point where the Trip started or to a different final destination.
"Sickness" means an illness or disease of the body which: 1) requires examination and treatment by a Physician, and 2) commences while the plan is in effect. An illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the effective date of this plan is not a Sickness as defined herein and is not covered by the plan.
"Traveling Companion" means a person whose name appears with yours on the same Trip arrangement and who, during the Trip, will share accommodations with you in the same room, cabin, condominium unit, apartment unit, or other lodging.
"Trip" means a scheduled trip for which coverage has been elected and the plan payment made and all travel arrangements are arranged by Alaska Airlines Vacations prior to the Scheduled Departure Date of the Trip.
"Usual and Customary Charge" means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.
The following exclusion applies to the Medical Expense/Emergency Assistance, Trip Interruption and Travel Delay coverages:
We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the plan, including death that results therefrom. This Exclusion does not apply to benefits under covered expenses item #3 (emergency medical evacuation) or item #8 (repatriation of remains) of the Medical Expense/Emergency Assistance Benefits coverage.
Exclusion #1 does not apply if the payment for the plan is received within 7 days of the initial deposit/payment for your Trip and you are not disabled from travel at the time you make your plan payment.
The following exclusions apply to all Coverages:
This plan does not cover loss caused by, or resulting from:
Important Note: Exclusion 2, Item v above, applies to you, an Immediate Family Member, Traveling Companion, or Business Partner.
All claims should be presented to the Program Adminitrator:
Trip Mate Insurance Agency, Inc.
9225 Ward Parkway,
Kansas City, Missouri 64114
Tel: 1-800-888-7292
Plan Number: 428A
In the event of a Medical or Dental Expense: You must provide us with all bills and reports for medical and/or dental expenses claimed; you must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance; and you must sign a patient authorization to release any information required by us, to investigate your claim.
In case of loss, theft or damage to Baggage and Personal Effects you should: Immediately report the situation to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; take reasonable steps to protect your Baggage from further damage; and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Baggage.
Notice: If you are a resident of one of the following states (KS, OR, WA) Part B of your plan is provided on an individual policy form. Your policy number is your complete Name plus 428A. Additional forms complete your policy and are available at www.tripmate.com. You can also request these forms by calling Trip Mate Insurance Agency, Inc. at 1-800-888-7292.
24-hour Telephone Service–Multi-lingual professionals are available 24 hours a day to provide help and advice with a medical or legal emergency.
International Medical Assistance–If you are in need of medical attention, ON CALL will help you locate local physicians, dentists, or medical facilities. ON CALL will also monitor your condition and contact your personal physician and family, if requested.
Nurse Helpline–Registered nurses are available 24 hours a day before and during your trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.
Medical Evacuation–If you need to be transported to a different hospital or treatment facility, or back home, ON CALL will arrange and pay for transportation and a special medical escort if required. Payment is available only for covered claims and up to the amount of coverage provided in the plan.
Telephone Interpretation Service–In a medical emergency, ON CALL provides interpretation services in major languages and will transmit urgent messages to family, friends, and business, if requested.
Failure to call ON CALL may invalidate your Medical Expense and/or Travel Delay claim.
The ON CALL Assistance Network extends worldwide. If you are outside the United States or Canada, call the local telephone operator for help in placing your collect call. Within the United States and Canada, use the toll free number. Phone answered 24 hours daily.
Within U.S.A. & Canada: 1-800-555-9095
Outside U.S.A. & Canada: 1-603-894-4710*
Plan Number: 428A
* From outside the United States & Canada, you will first have to enter the International Access Code of the country you are calling from.
With our exclusive Traveler PDQ Service, you can assure that your important medical records are available to you or any Physician chosen by you, anytime, anywhere in the world, quickly, wherever there is internet access available. Register online at your convenience, at www.travelerpdq.com or call, toll free, 1-800-379-9887. It's free during your insured Trip.
Your Program Code for Traveler PDQ is: 428A
Trip Mate Insurance Agency, Inc.
9225 Ward Parkway
Kansas City, Missouri 64114
Tel: 1-800-888-7292
- Monumental General Casualty Company, Baltimore, MD (all states except as otherwise noted) under Policy Form series TAHC2000/TAHC5000. In LA and TX, Policy Form #’s TAHC2000.GPC and TAHC2100.GPC. In KS, OR and WA, Policy Form # TAHC2000IPC and TAHC2100IPC.
- Stonebridge Casualty Insurance Company, Columbus, OH (AL, AZ, CO, DE, DC, GA, ID, IA, ME, MI, MO, MN, NH, NJ, NM, NC, ND, SC, UT, VT, WV and WI) Policy/Certificate Form series TAHC5000/TAHC2000. In AK form #TAHC3000JCP.AK. In PA and TN Policy/Certificate Form series TAHC5100 and TAHC5200. In NY, form #GP26000JCP.
The Traveler PDQ Service is provided by: MedStrong International Corporation.
Trip Mate Insurance Agency, Inc. provides this site and related services subject to your compliance with the terms and conditions set forth below. Please read the following information carefully:
All pages within this Internet site ("Site") are the property of Trip Mate Insurance Agency, Inc. and/or its affiliates. No portion of the materials on these pages may be reprinted or republished in any form without the express written permission of Trip Mate Insurance Agency, Inc.
This site, including any content or information contained within it or any Site-related service, is provided "as is" with no representations or warranties of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. You assume total responsibility and risk for your use of this Site and Site-related services.
Trip Mate Insurance Agency, Inc., its affiliates and its sponsors are neither responsible nor liable for any direct, indirect, incidental, consequential special, punitive, exemplary or other damages arising out of or relating in any way to the Site, Site-related services and/or content or information contained within the Site. Your sole remedy for dissatisfaction with the Site and/or Site-related services is to stop using the Site and/or those services.
Although Trip Mate Insurance Agency, Inc. attempts to ensure the integrity and accuracy of the Site, it makes no guarantees whatsoever as to the correctness or accuracy of the Site. It is possible that the Site could include inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made to the Site by third parties. In the event that an inaccuracy arises, please inform Trip Mate Insurance Agency, Inc. so that it can be corrected.
This Agreement is entered into in the State of Maryland and shall be governed by and construed in accordance with the laws of the State of Maryland, exclusive of its choice of law rules. Each party to this Agreement submits to the exclusive jurisdiction of the state and federal courts sitting in the County of Baltimore in the State of Maryland, and waives any jurisdictional, venue, or inconvenient forum objections to such courts. In any action to enforce this Agreement, the prevailing party will be entitled to costs and attorneys fees. In the event that any of the provisions of this Agreement are held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect.
This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are expressly canceled. Trip Mate Insurance Agency, Inc. may modify the terms of this Agreement by posting notice of such modification on a page of the Site entitled "Legal Notices" or "Legal Information" (or similar title) before the modification takes place.
The information contained on these web pages are a representation of the Alaska Airlines Vacations Cancellation Waiver & Insurance Plan as of October 1, 2002. These web pages provide a brief description of the benefits available under the plans. The Master Policies providing the Part B Benefits of the Insurance Plan are complete in detail and the final interpretation of any provision or claim will be governed by the Master Policies.
Copyright ©2002 Trip Mate Insurance Agency, Inc. All Rights Reserved.
The information contained on these web pages are a representation of the Alaska Airlines Vacations Cancellation Waiver & Insurance Plan as of December 1, 2003.