PRODUCT FAQ

Trip Care Complete

Before Purchase: When To Purchase and Determining The Cost

1. What is Trip Care Complete?

The Trip Care Complete Plan offers a choice of three Options to meet your needs and budget: Elite, Plus, and Basic. Each option includes Trip Cancellation, Trip Interruption, Trip Delay, Medical Expense, Emergency Evacuation, and Baggage Loss/Delay coverage. Each option includes different features, benefits, and coverage limits with additional optional coverages available.

2. When should I buy Trip Care Complete?

Enroll as soon as you have booked your trip for maximum benefits. Some plans feature a time-sensitive benefits, including:
  • Cancel for Any Reason (optional upgrade)
  • Pre-Existing Medical Condition Exclusion Waiver (included on Basic, Plus and Elite)
  • Coverage for Financial Default
To ensure coverage for these time sensitive benefits, you must purchase the plan within 14 days of your initial trip deposit/payment, insure the full cost of all non-refundable prepaid trip arrangements, insure the full cost of any subsequently booked trip arrangements within 14 days of payment/confirmation for those additional arrangements and be able to travel at the time you purchase coverage.

Notify Travel Insurance Services by phone, email, fax, or mail of the new travel arrangement costs you want to insure and include payment for the additional insurance plan cost. Please include a daytime phone number and your Confirmation Number. Fax to 610-537-9835, email to select@travelinsure.com or mail to:

Travel Insurance Services
3805 West Chester Pike
Suite 200
Newtown Square, PA 19073

If you need assistance during business hours (Monday – Friday, 9:00 a.m. – 7:00 p.m. Eastern Standard Time) call our Customer Service Representatives Toll Free at 1- 800-937-1387.

3. Do I need to insure my airfare cost?

If your airfare is subject to a cancellation penalty or restriction (most are), we recommend that you insure it. When you select your plan option, you can choose whether you want to insure your airfare or not. If you indicate that you want to insure your airfare by checking the "Air" checkbox on the Enrollment Form, you must include 100% of your airfare cost in the Trip Cost amount used to calculate your payment for this plan. To be eligible for early purchase benefits including Cancel For Any Reason, you must insure 100% of all non-refundable pre-paid trip costs, including airfare.

4. Does the plan cover my frequent flyer miles? Can I insure my frequent flyer miles?

No, frequent flyer miles cannot be insured. However, if your trip in cancelled or interrupted for a covered reason listed in the Policy,we will reimburse you for the penalty charge or change fee the airline charges you to change your airline ticket dates.

5. My friend and I are going to be traveling together, am I covered if my friend cancels his or her trip?

Trip Care Complete covers Traveling Companions. A "Traveling Companion" is any person(s) booked to accompany you on your covered trip. “Traveling Companion” does not include a group or tour leader unless You are sharing room accommodations with the group or tour leader.

If your Traveling Companion, as defined, cancels his or her Trip for a reason covered by the Trip Care Complete option you choose, you are protected in two ways:
  • (a) If you decide to take your Trip, the plan will cover any single occupancy upgrade charges which you might incur; or
  • (b) If you decide not to take your Trip, your cancellation penalties will be covered by the plan.
See the Trip Care Complete Policies for complete details about this benefit.

6. Trip Care Complete was recommended to me by the organization planning my tour. I plan to travel on my own for additional days before and/or after the tour — may I insure this portion of my Trip as well?

Yes, you may insure the days you are traveling on your own. Include the prepaid expenses for this part of your Trip in the Trip Cost you list on your Enrollment Form. Also, be sure to include these dates when you enter your departure and return dates.

7. May I buy Trip Care Complete for my personal trips?

Yes, you may buy the insurance for any of your trips. We do not require that you travel with an organized tour to buy this plan.

8. How do I know that Trip Care Complete is a reputable product?

Travel Insurance Services has been providing travel insurance solutions to customers since 1973. Trip Care Complete is underwritten by Starr Insurance Company, currently authorized to transact business in all states and the District of Columbia.

Before Purchase: Coverage Clarification

See the Description of Coverage for complete details on the items below.

9. Will Trip Care Complete provide coverage due to Pre-Existing Conditions?

Yes, if you purchase within 14 days of your initial trip deposit/payment, insure 100% of your trip cost, the booking for the Covered Trip must be the first and only booking for this travel period and destination, and you are not disabled at the time you pay the premium, the Pre-Existing Conditions exclusion is waived. For a complete explanation of the Pre-Existing Conditions waiver, please review the Description of Coverage.

10. Does the Pre-Existing Conditions Waiver apply to any other products?

No. The Pre-Existing Conditions Waiver only applies to Trip Care Complete, and only if you enroll within 14 days of your initial trip deposit/payment, insure 100% of your trip cost, the booking for the Covered Trip must be the first and only booking for this travel period and destination, and you are not disabled at the time you pay the premium. For a complete explanation of the Pre-Existing Conditions waiver, please review the Description of Coverage.

11. Does Cancel For Any Reason really mean I can cancel for any reason?

Yes, you really can cancel for any reason not already covered by the Trip Care Complete plans, provided you purchase this optional coverage, have enrolled within 14 days of your initial deposit/payment date, have covered 100% of your trip cost, and cancel at least two (2) days prior to your trip's scheduled departure. If you are forced to cancel for a reason not otherwise covered, Cancel For Any Reason (CFAR) coverage will reimburse you 75% of your prepaid, forfeited, non-refundable payments for the covered Trip arrangement(s) up to the policy limit shown on the Schedule of Benefits. Cancel for Any Reason coverage is not available to residents of NY.

12. Am I covered if the tour operator, airline or cruise line ceases operations or becomes financially insolvent?

Yes, Bankruptcy and/or Default of Your Travel Supplier is covered if you have enrolled within 14 days of your initial deposit/payment date. Benefits due to Bankruptcy or Default of an airline will be paid if no alternate transportation is available. Certain exclusions may apply, please see the Policy for a complete details.

13. Am I covered if I cancel my trip because of recent terrorist attacks?

The Policy provides Trip Cancellation coverage if a politically motivated terrorist attack occurs within 30 days of your departure and within 50 miles of a city listed on your itinerary you . The terrorist attack must occur on or after the effective date of your Trip Cancellation coverage.

14. Am I covered if I want to cancel my trip because I am scared to travel or change my mind and do not want to travel to my destination?

You are only covered if you purchase the optional Cancel For Any Reason (CFAR) benefit that is available on the Trip Care Complete Plus and Elite plans.

15. What if I can’t take my trip because of a Natural Disaster?

Trip Cancellation benefits will be paid in the event that a natural disaster or documented man-made disaster at the point of departure or point of destination renders your primary residence or your destination uninhabitable.

16. Can I choose the benefits I wish to purchase? For example, can I just buy Trip Cancellation coverage?

No, however, Trip Care Complete offers you three plan options with different benefits and pricing from which to choose. Please take a moment to compare the options and see which one best fits your needs.

17. What is covered under the Security and Natural Disaster Evacuation?

Political or Military Situation Evacuation
Europ Assistance will use best endeavors, subject to the terms and conditions, to arrange for your evacuation where a Political or Military Situation triggering event occurs in your host country. The supplier shall arrange, at its cost, for your transportation to the nearest safe location, then to your home country.

Natural Disaster Evacuation
Europ Assistance will use best endeavors, subject to terms and conditions, to arrange for your evacuation where a Natural Disaster triggering event occurs in your host country. Europ Assistance will arrange for your evacuation from a safe departure point to the nearest safe location, then to your home country. You must contact Europ Assistance within ten (10) days from the date your host country and/or an appropriate authority issues the official disaster declaration.

*Please note Security and Natural Disaster Evacuation services and benefits are provided by Europ Assistance and are not underwritten by Starr Indemnity & Liability Company.

FAQ'S FOR AFTER PURCHASE QUESTIONS AND PLAN CHANGES

1. After I submitted my Enrollment online, I realized I entered the wrong Departure Date. What should I do?

If you realize that information on your enrollment form is incorrect please notify Travel Insurance Services in writing by e-mail, fax or mail of the correct information. Please include a daytime phone number and your Confirmation Number.

Fax: 610-537-9835

Email: select@travelinsure.com

Mail to: Travel Insurance Services
3805 West Chester Pike
Suite 200
Newtown Square, PA 19073

If you need assistance during business hours (Monday – Friday, 9:00 a.m. – 7:00 p.m. Eastern Time) call our Customer Service Representatives:

Toll Free: 800-937-1387

2. What if, after insuring my trip, my trip cost increases? For example, I may later book airfare or add a trip extension. Can I insure the additional Trip Cost?

You may increase your insured Trip Cost anytime prior to departure. However, if you purchased coverage within 14 days after making your initial payment or deposit for your trip, and your total Trip Cost later increases, you must purchase additional coverage within 14 days after scheduling your new trip arrangement(s). This will retain your eligibility for: (1) Cancel for Any Reason (if purchased); or (2) Pre-Existing Medical Condition Exclusion Waiver , if these benefits were originally included in the Option you purchased. Notify Travel Insurance Services by phone, email, fax, or mail of the new travel arrangement costs you want to insure and include the additional insurance plan cost. Please include a daytime phone number and your Confirmation Number. Fax to 610-537-9835, email to select@travelinsure.com, or mail to

Travel Insurance Services

3805 West Chester Pike
Suite 200
Newtown Square, PA 19073

If you need assistance during business hours (Monday - Friday, 9:00 a.m. – 7:00 p.m. Eastern Standard Time) call our Customer Service Representatives: Toll Free: 800-937-1387 or Phone: 925-932-1387.

3. Can I change the Option I purchased from Basic to Plus or Elite and pay the additional plan cost?

Yes, you can upgrade from Select Basic to Plus or Elite, or from Select Plus to Elite. However, to be eligible for the early-purchase benefits you must do so within 14 days of the initial trip payment/deposit. To upgrade your coverage, please contact Travel Insurance Services in writing via mail, fax or email.

Email: select@travelinsure.com

Fax: 610-537-9835

Mail to: Travel Insurance Services

3805 West Chester Pike
Suite 200
Newtown Square, PA 19073

If you need assistance during business hours (Monday – Friday, 9:00 a.m. – 7:00 p.m. Eastern Standard Time) call our Customer Service Representatives Toll Free at 1-800-937-1387.

4. My trip was cancelled. Can I get a plan refund?

You may be eligible for a full refund if your request for your refund is within your state's Free Look Period, and you have not started your trip or filed a claim.

If your trip was cancelled, and you were issued a voucher for a future trip instead of a refund by your tour operator or travel supplier, you must transfer your travel insurance dates to your new trip dates. You can do so by calling Travel Insurance Services customer service.

Outside of the Free Look period: If the tour operator or travel supplier cancels the entire trip for all travelers, and no claim has been filed or will be filed, and the insured has elected not to change their policy trip dates, then the policy may be canceled with a pro-rated refund of premium. Policies for trips cancelled by the insured are NOT eligible for refunds, except if within the free look period.

5. How do I file a claim?

Visit the Claim Forms page under the Resources tab at www.travelinsure.com to access the forms needed to file a claim. Refer to the information and forms under the Trip Care Complete plan name.

Note: These Frequently Asked Questions are not intended to be complete plan language. For more complete details, refer to the Policy

These plans are underwritten by Starr Indemnity & Liability Company, a Texas domiciled corporation (NAIC Company Code: 38318: TX license number: 93542) with its principal place of business at 399 Park Avenue, 8th Floor, New York, NY 10022. Starr Indemnity & Liability Company is currently authorized to do business in all states, the District of Columbia and Puerto Rico. This website contains only a brief description of the coverages available under each plan and not all coverages may be available in all states. These plans provide insurance coverage during the covered trip. You may have coverage from other sources that provide you with similar benefits but may be subject to different restrictions depending upon your other coverage. You may wish to compare the terms of these policies with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Plans are administered by Starr Assist, LLC, a Delaware limited liability company (FL. Seller of Travel Reg. No.: L093030; www.starrassist.com) with its principal place of business at 399 Park Avenue, 9th Floor, New York, NY 10022. Starr Assist, LLC is doing business as Starr Assist Insurance Agency, LLC in California (CA license number: 0F95103). If you have any questions about the plans offered on this website you may contact Starr Assist, LLC at the following: Toll-free customer hotline: (866) 477-6741 or email at: info@starrassist.com.

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Please read the policy carefully.
This is only a summary of our program. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. Not all plans or coverages are available in every state. This summary does not replace or change any part of your policy. If there is a conflict between this summary and the policy, the policy will control. Please contact Travel Insurance Services if you have any questions.

USI Affinity Travel Insurance Services | info@travelinsure.com |
3805 West Chester Pike, Suite 200
Newtown Square, PA 19073

 

These plans are underwritten by Starr Indemnity & Liability Company, a Texas domiciled corporation (NAIC Company Code: 38318: TX license number: 93542) with its principal place of business at 399 Park Avenue, 8th Floor, New York, NY 10022. Starr Indemnity & Liability Company is currently authorized to do business in all states, the District of Columbia and Puerto Rico. This website contains only a brief description of the coverages available under each plan and not all coverages may be available in all states. These plans provide insurance coverage during the covered trip. You may have coverage from other sources that provide you with similar benefits but may be subject to different restrictions depending upon your other coverage. You may wish to compare the terms of these policies with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Plans are administered by Starr Assist, LLC, a Delaware limited liability company (FL. Seller of Travel Reg. No.: L093030; www.starrassist.com) with its principal place of business at 399 Park Avenue, 9th Floor, New York, NY 10022. Starr Assist, LLC is doing business as Starr Assist Insurance Agency, LLC in California (CA license number: 0F95103). If you have any questions about the plans offered on this website you may contact Starr Assist, LLC at the following: Toll-free customer hotline: (866) 477-6741 or email at: info@starrassist.com.