Here are some Frequently Asked Questions about Travel Protection Plans:
Please note that a final claims determination is made based upon the policy provisions, and the written documentation we receive with your claim submission.
1. What are Pre-Existing Conditions and can a Pre-Existing Condition
be covered by the FreeGate Tourism plan?
2. What happens if my flight is delayed or canceled?
3. What can I do if I lose my passport or visa close to the departure
date of my trip?
4. What if bad weather is predicted where I plan to travel? Will the
FreeGate Tourism Plan protect me if I cancel my Trip?
5. What happens if my bags do not arrive at my destination when I do?
What do I do?
6. If I require medical care while on my Trip, are my medical bills
covered?
7. How do I file a claim?
8. Does the plan cover my frequent flyer miles?
Frequently Asked Questions
1. What are Pre-Existing Conditions and can a Pre-Existing Condition
be covered by the FreeGate Tourism Plan?
"Pre-existing Condition" means any Injury,
Sickness or condition (including any condition from which death ensues)
of You, or Your Traveling
Companion, You or Your Traveling Companion's Family Member or Your
Business Partner, which within the sixty (60) day period prior to the
Effective Date of Your Protection Plan:
- a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment;
- b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or
- c) required Medical Treatment or treatment was recommended by a Legally Qualified Physician. (Note, In California, part "a" is not applicable).
IMPORTANT! - The policy exclusion for Pre-Existing Conditions will be waived if:
- FreeGate Tourism receives your premium within 2 days after you make your first payment for your Trip; and
- You are medically able to
travel when You pay for Your Protection Plan; and
You have not filed a claim for Trip cancellation due to a Pre-existing Condition within 180 days of the Effective Date of Your Protection Plan.
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2. What happens if my flight is delayed or canceled?
The FreeGate Tourism plan protects you in several ways. If your flight
is canceled due to inclement weather or an organized labor strike
(provided the strike occurs after you pay your premium) you can:
- take a later flight, and you will be reimbursed up to your original trip cost for the additional transportation expenses (less any refunds paid or payable for your original tickets) to join your trip (not to exceed the cost of one-way economy airfare, or first class if your original tickets were first class) and for the cost of any unused land or water travel arrangements; and/or Click here for complete details of this benefit;
- you will
be reimbursed up to $100 per day to a maximum of $500 for additional
accommodation and travel expense if your trip is delayed for
12 hours or more for a listed reason. Click here for complete
details of this
benefit.
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3. What can I do if I lose my passport or visa close to the departure
date of my trip?
Fortunately, passports and visa can often be replaced
in a very short period of time, sometimes as quickly as 24 hours. There are a
number of passport service agencies who can provide this expedited
service for you. Need help? Only a phone call away with the
24 hour assistance services included with your Freegate Travel Protection
Plan.
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4. What if
bad weather is predicted where I plan to travel? Will the FreeGate
Tourism plan cover me if
I cancel my Trip?
The policy does not provide coverage if you cancel your Trip based
upon what may or may not happen.
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5. What happens if my bags do not arrive at my destination when I
do? What do I do?
The plan covers all baggage delays of 24 hours or more during your
Trip. You will be reimbursed up to $200 for personal articles you buy
(such as toiletries, a change of clothing, etc.). Be sure to keep
receipts for anything you purchase.
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6.
If I require medical care while on my trip, are my medical bills
covered?
You are eligible for reimbursement of medical expenses resulting from
an illness or injury during your Trip. We even cover medical expenses
for up to 1 year after your injury or illness.
If you must be medically evacuated to another facility or home, these
costs are covered as well. Click here for complete details of this
coverage.
The FreeGate Tourism plan includes
a 24-hour worldwide assistance service to help you with medical or
legal emergencies during your Trip.
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7. How do I file a claim?
To file a claim, call the Claims Administrator, Travel Insured International
at 1-800-243-2440, Monday- Friday, 7:45 a.m. – 5:30 p.m. EST
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8. Does the plan cover my frequent flyer miles?
Frequent flyer miles are not covered if you must cancel or interrupt
your Trip. If you cancel your Trip for a listed reason, you will
only be reimbursed the money actually paid for the Trip.
If you have a specific question about the FreeGate Tourism Travel
Protection Plan, please Contact the plan administrator, Travel Insured
International,
1-800-243-3174.