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Travel Protection: Tauck’s Guest Protection
Why should I purchase Tauck’s Guest Protection?
You’ve saved, you’ve waited, and now you’re all set to go on the holiday of your life. Preparing for your trip includes protecting yourself from unfortunate occurrences that threaten to interfere with even your best laid plans. By purchasing Tauck’s Guest Protection, you can help protect yourself against cancellation penalties, medical costs, luggage loss and delays, as well as gain access to a wide range of traveler’s assistance services.
Did you know that Tauck’s Guest Protection could protect you if:
* You become ill and can’t travel
* Someone in your immediate family has an illness or injury, even if they aren’t scheduled to travel with you
* Your child comes down with the chicken pox and you are quarantined from travel
* Your house becomes flooded due to a hurricane
* A family member back home passes away and you must return from your Tauck holiday early
* Your luggage is lost by the airlines
* You twist your ankle and must visit a doctor while traveling
* Many other unforeseeable events as listed in the Description of Coverage
What does Tauck’s Guest Protection cover?
Tauck’s Guest Protection includes pre-trip cancellation protection and post-departure coverage for the following:
Trip Cancellation and Trip Interruption
* Land Arrangements – If you cancel or interrupt your tour for ANY REASON, all land package cancellation fees imposed by Tauck will be waived.
* Airfare – If you must cancel your tour due to a covered reason, Tauck’s Guest Protection provides coverage for airfare cancellation charges up to your TOTAL ORIGINAL AIRFARE COST for the airfare cancellation charges for flights joining or departing your trip and/or your Tauck on-tour airfare. In addition, if you interrupt your tour due to a covered reason the plan will reimburse your additional airfare to return home or rejoin the tour, up to $3,000 for U.S./Canadian Tours and up to $7,000 for International Tours.
* Partial Room Cancellation – If a person booked to share accommodations with you cancels or interrupts his/her tour for a covered reason and you continue the tour, you are covered up to your Tour Cost for the change in the per-person occupancy rate.
Trip Delay
If you should miss the departure of your holiday due to carrier-caused delays or other covered reasons, the program reimburses you for additional accommodations, meals and "catch up" transportation expenses. The plan provides reimbursement up to $750 for U.S./Canadian Tours and up to $1,000 for International Tours.
Medical Protection
If you become ill or are injured while on your trip, Tauck’s Guest Protection will cover up to $5,000 in medical expenses for U.S./Canadian Tours and up to $10,000 for International Tours. The medical plan also covers emergency evacuation (up to $25,000 for U.S./Canadian Tours and up to $50,000 for International Tours) and repatriation of remains expenses (up to $25,000 for U.S. Canadian Tours and up to $50,000 for International Tours). Medical coverage while traveling overseas is particularly important as Medicare and some HMO’s may not cover medical expenses incurred outside the U.S.
Luggage Protection
Reimburses expenses up to $1,500 (U.S./Canadian Tours) or $3,000 (International Tours) for the covered loss, damage, or theft of luggage and/or personal effects during or while in transit to or from your holiday. This benefit also includes luggage delay protection, covering you for the purchase of necessary items (up to $300 for U.S./Canadian Tours or up to $500 for International Tours) in the event your luggage is delayed by a common carrier for more then 24 hours en route to your holiday.
24 Hour Worldwide Emergency Assistance
24 hour emergency telephone assistance hotline for medical and travel related problems.
Will my current home, renters, credit card or health insurance policies cover me during my trip?
Due to territory restrictions, many insurance policies may not offer any coverage while you travel. Still others may offer partial protection, but due to benefit limits, co-insurance and deductibles, you may not be reimbursed for the full amount incurred. Most people do not have any insurance coverage at all if they must cancel their trip. Tauck’s Guest Protection has a wide range of travel benefits that credit card, homeowners and renters insurance policies most likely do not offer. The medical coverage included in Tauck’s Guest Protection is absolutely vital for most people whose health insurance policies (Medicare & HMO) do not pay for medical expenses incurred outside of the United States or do not cover transportation charges due to medical emergencies.
Is there help when I'm traveling?
One of the valued benefits offered in Tauck’s Guest Protection is the 24-Hour Emergency Assistance Service. On Call International is a leader in this field. With On Call International you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as travel changes, lost luggage, cash transfers, lost documents, medical or legal monitoring or referrals. They are also equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies. If an emergency should arise during your holiday, call On Call International immediately and give the details of your problem or medical emergency.
When is Tauck’s Guest Protection due and how do I enroll?
For your convenience, we will add the plan cost on our travel invoice and include it in the balance due. Simply pay the amount indicated on your travel invoice inclusive of this plan cost. You are enrolled upon Tauck's receipt of payment for the applicable plan cost, in addition to any required trip deposits and/or final balances.
Please be aware that it is in your best interest to purchase the program at time of deposit. The earlier the effective date will protect you against unforeseen circumstances that may arise at a later date and the pre-existing exclusion.
When does coverage go into effect and will it cover me for the entire length of my holiday?
The Trip Cancellation coverage takes effect upon receipt of the required plan cost by Tauck. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. Your coverage will remain valid until 11:59 P.M. of your scheduled completion date or your return to you origination point as stated on your tickets, whichever is earlier.
I know that I have a pre-existing medical condition, why should I bother with Tauck’s Guest Protection?
Even if you have a medical condition that has been unstable in the 60 days prior to plan purchase, you should still consider enrolling in Guest Protection because you can waive the pre-existing condition exclusion by simply enrolling in the plan and paying for it within 10 days after the time of your initial trip payment. Doing so will remove the exclusion from the plan so that even pre-existing medical conditions can be covered. So long as you are medically able to travel at time of purchase, waiving the pre-existing condition exclusion is the easiest way to alleviate doubt as to chronic medical conditions.
I did not purchase my airfare from Tauck. Will I still have coverage for airline cancellation fees?
Yes. The Trip Cancellation benefit provided by Tauck’s Guest Protection includes coverage for flights joining and departing your Tauck Tour.
How do I get reimbursement if my luggage and/or personal items are damaged/ stolen/ lost while I am away?
Upon your return home, submit verification paperwork to the Plan Administrator including claim forms, loss or police reports, and store receipts. You will be reimbursed for items damaged/stolen/lost while traveling up to $1,500 for U.S./Canadian Tours and up to $3,000 for International Tours.
If I incur medical expenses during my trip, should I submit them to my primary health insurance company first?
Yes. The Accident and Sickness Medical Expense portion of Tauck’s Guest Protection is excess of all other valid and collectible insurance. Guest Protection provides reimbursement, up to the maximum shown on the Schedule of Coverage, for all Covered Medical Expenses not covered under your regular health insurance policy. Guest Protection will provide reimbursement to you for deductibles and co-pays that may be imposed by your health insurance.
How do I file a claim? How long does it take to receive my money back?
In the event of a claim please contact BerkelyCare, our Plan Administrator, at 1-866-808-7356. If you plan to cancel your trip due to a covered reason call Tauck and BerkelyCare immediately to initiate the claims process and to avoid additional expenses due to late notification. You can also file a claim by logging onto www.travelclaim.com and completing the Claim Information Request Form. Claim forms will be mailed to you within two to three business days. For covered emergencies during your trip which require evacuation or interruption, promptly call On Call International, the assistance company, with your policy number and emergency details.
Once BerkelyCare receives full documentation, payment for a covered claim can be generated within five business days.
How do I check on the status of my claim?
To check the status of your claim you can contact BerkelyCare at 1-866-808-7356 or you can email questions to BerkelyCare at customerservice@berkely.com.
Who is considered an Immediate Family member under the program?
Our definition of immediate family is quite broad. It’s not just family members who reside with you. Instead, immediate family includes: mother, father, grandmother, grandfather, brother, sister, brother-in-law, sister-in-law, children, grandchildren, aunts, uncles, nieces, nephews, domestic partner among others.
What are the Covered Medical Expenses if I become sick or injured while on my trip?
Tauck’s Protection provides coverage for a vast array of medical expenses which could be incurred as a result of a sickness or injury. Guest Protection provides Sickness and Accident Medical benefits for necessary services and supplies which are recommended by the attending physician. Covered Medical Expenses include the services of a legally qualified physician, surgeon, graduate nurse, dentist or osteopath; charges for hospital confinement and use of operating rooms; charges for anesthetics (including administration); x-ray examinations or treatments and laboratory tests; ambulance service; drugs, medicines, and therapeutic services and supplies.
Are there exclusions?
In order to provide this package of benefits, certain restrictions do apply. For example, the program does not provide duplicate payments if there are other sources of reimbursement available. Exclusions are standard in virtually every insurance product.
Also, this program provides coverage for cancellations due to covered reasons such as illness, injury and death to yourself, a traveling companion or an immediate family member as well as specified, non-medical reasons for cancellation.
What is the Pre-Existing Condition Exclusion? Can it be waived?
Tauck’s Guest Protection does have a pre-existing condition exclusion, which is quite liberal. The pre-existing condition limitation precludes coverage only for those medical conditions that manifested themselves, became acute, or were being treated in the 60 days before coverage goes into effect (date coverage is purchased). You may have a chronic condition that requires you to take medication and still be covered by the program. Only if the condition is unstable and/or if there has been a change in the required prescription would your condition be considered pre-existing.
Unless you, your traveling companion or a family member has a new medical condition or one that has recently "flared-up" right before you enroll in the plan, or you have had a change in your required medication, the plan should provide coverage.
PLEASE NOTE: IF YOU PURCHASE THE PLAN WITHIN 10 DAYS AFTER YOUR INITIAL HOLIDAY DEPOSIT OR PAYMENT, THE PRE-EXISTING CONDITION EXCLUSION WILL NOT APPLY.
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