Travel Protection 2008
Your Travel & Company Deposit includes Basic Protection coverage (see below), of which certain portions are underwritten by The Insurance Company of the State of Pennsylvania (AIG), under policy GLB9111595. This protection is automatically in force during your Travel & Company trip. Travel & Company recommends that participants purchase the Ultimate Protection Plan designed specifically for your travel needs.
The 2008 Ultimate Protection Plan allows you to cancel for any reason up to the day of departure and receive a cash refund. In addition to the cash refund, the deductible amount on any participant's cancellation will be returned to them in the form of a Travel & Company Travel Credit Voucher, good for use on a future trip with Travel & Company.
Choose a Protection Plan
Insurance and Refund Policy |
Rate |
|
Ultimate |
MOST ENHANCED policy. Cancel for any reason up to your day of departure and receive a cash refund; plus receive upgraded benefits during the tour.* |
$25 per day ($500 maximum)† The Ultimate Protection Plan must be purchased no later than 65 days prior to departure. |
Comprehensive |
ENHANCED policy. Upgraded cancellation protection, including for medical reasons and layoffs; plus receive upgraded benefits during the tour. |
$15 per day ($300 maximum)** The Comprehensive Protection Plan must be purchased no later than 65 days prior to departure. |
Basic |
STANDARD policy. Cancellation protection in the event of terrorism and travel warning; basic coverage during the tour. |
Included in Enrollment Deposit |
*Portion of the refund may be in the form of a travel credit voucher. †Capped at $500/$300 not including the surcharge for participants age 66+. Plan must be purchased for the entirety of the tour; including departure and return dates.
The Enrollment Deposit of $300 does not include the Comprehensive Protection Plan or the Ultimate Protection Plan. Your $300 Deposit, plus the cost of the Protection Plan must be received in order to activate your plan. The Ultimate Protection Plan and Comprehensive Protection Plan must be purchased 65 days before departure.
Refund Policies
Should you have to cancel for a non-insured reason, our refund and substitution policy is outlined below. We can only process cancellations upon receipt of a cancellation letter and the return of any airline tickets that have been issued on your behalf. Cancellations must be submitted in writing to our Boston Headquarters: 343 Congress Street, Suite 3100, Boston, MA 02210.
Ultimate Protection Plan |
Comprehensive Protection Plan |
Basic Protection Plan |
All Protection Plans |
|
Prior to Departure |
Refund | Refund | Refund | Substitution |
| 75 days + | All payments less the $300 Deposit*
|
All payments less the $300 Deposit |
All payments less the $300 Deposit |
All payments less $300 Deposit* |
| 74 to 65 days | All payments less $270, and $300 Deposit |
All payments less $270, and $300 Deposit* |
||
All payments less $45, and $300 Deposit* |
||||
| 64 to 30 days | All payments less $100 Travel Credit Voucher and $300 Deposit* |
All payments less $695, and $300 Deposit* |
All payments less $695, and $300 Deposit* |
No substitutions possible
|
| 29 to 15 days | All payments less $295 Travel Credit Voucher and $300 Deposit* |
No refund | No refund | |
| 14 days or less | All payments less $495 Travel Credit Voucher and $300 Deposit |
* The $95 Registration Fee, Comprehensive Protection Plan Fee, Ultimate Protection Plan Fee and any visa fees are non-refundable and non-transferable. Non-refundable fees also include, but are not limited to, Travel & Company Travel Credit Voucher credits, late fees and cancelled check fees. Travel & Company Travel Credit Vouchers are transferable, are not redeemable for cash and expire December 31, 2009. Please contact Travel & Company for more details.
Protection Plans
Plan Type |
Health Protection Includes 24 hour medical assistance, consultation, monitoring and emergency evacuation where deemed necessary by AIG. |
Medical Cancellation* Medical and other reasons as stated below |
Medical Interruption* Medical and other reasons as stated below |
Baggage Delay/Loss |
Travel Delay Protection |
Ultimate Protection Plan |
Coverage up to $15,000. No deductible for all participants regardless of age. T&C will pay up to $1,500 for an immediate family member to travel to the trip destination in the event that a participant under age 24 is hospitalized for more than 48 hrs. or more than 1 week if age 24 or older. |
For all Participants: Full refund except for the $300 Deposit plus the price of the Ultimate Protection Plan. |
Up to $1,500 toward the cost of a one-way economy ticket to the USA. |
If bags are lost or delayed for more than 24 hours, T&C will pay $50 for emergency purposes. If bags are stolen or lost, up to $1,000 will be reimbursed by T&C if a signed police or airline report accompanies the claim. No deductible applies. Up to $200 reserved for loss of photographic or electronic equipment. |
If your trip is delayed 12 or more hours, up to $250 traveling expenses will be reimbursed by T&C. |
Compre- |
Coverage up to $10,000. No deductible for all participants regardless of age. ACIS will pay up to $1,000 for an immediate family member to travel to the trip destination in the event that a participant under age 24 is hospitalized for more than 48 hrs. or more than 1 week if age 24 or older. |
For all Participants: Full refund except for the $300 Deposit plus the price of the Comprehensive Protection Plan. |
Up to $1,000 toward the cost of a one-way economy ticket to the USA. |
If bags are lost or delayed for more than 36 hours, T&C will pay $50 for emergency purposes. If bags are stolen or lost, up to $500 will be reimbursed by T&C if a signed police or airline report accompanies the claim. No deductible applies. Up to $100 reserved for loss of photographic or electronic equipment. |
If your trip is delayed 12 or more hours, up to $150 traveling expenses will be reimbursed by T&C. |
Basic |
Coverage up to $2,500. $200 deductible. $500 deductible for participants age 66 and over. |
More than 65 days prior to departure: See Refund Policies chart above. Less than 65 days prior to departure: Full refund except for $495 plus the $300 Deposit. |
Up to $250 toward the cost of a one-way economy ticket to the USA. |
No coverage is included. |
If your trip is delayed 24 or more hours, up to $150 traveling expenses will be reimbursed by ACIS. |
*PROGRAM CANCELLATION AND PROGRAM INTERRUPTION
The cancellation and program interruption policies apply only to persons who cancel due to a listed insured reason. Notification must be given in writing within seven days of an occurrence. Accepted insured cancellation and program interruptions are limited to the following circumstances::
- If you or a member of your immediate family are seriously injured or become ill.
- If you are laid-off (which must be documentd with the appropriate forms from the Social Security Administration). Notification must be made to Travel & Company within seven days of job termination for this benefit to be in force.
Medical and Other Cancellation and Interruption Notes
The Company pays up to $400 for a covered trip cancellation for Basic, Comprehensive, and Ultimate Plans. The balance is refunded by Travel & Company as part of the "Refund Protection Plan," outlined in the Protection Brochure sent to participants upon enrollment.
If, in the event a group leader cancels a scheduled trip because he/she or a member of his/her immediate family becomes seriously ill or injured and no replacement can be found, requiring all participants assigned to such group leader to cancel their trip, payment will not exceed $4,800 in total for all participants assigned to such group leader.
Travel Accident Protection
The Company provides $25,000 coverage for accidental death and lower amounts for other accidents. For participants age 66 and older, this coverage is reduced to $20,000. The maximum aggregate total payable under this policy for all Travel & Company participants is $1,000,000, and benefits may be reduced if this maximum is exceeded.
Additional Travel Security Waiver— Non U.S. Destination Trips
This waiver covers cases of political instability and is provided by Travel & Company as part of the Basic Protection Plan. Through this waiver, participants will receive a full refund (less the $300 Deposit, Ultimate or Comprehensive Protection Plan Fee and any visa fees, if applicable) if: 1) The U.S. Department of State states there has been a terrorist attack against U.S. interests and 2) the U.S. Department of State issues an official Travel Warning that Americans should not travel to any country visited on the itinerary and 3) the official Travel Warning is issued or in effect within 90 days prior to departure.
Additional Travel Security Waiver— U.S. Destination Trips
This waiver covers cases of political instability and is provided by Travel & Company as part of the Basic Protection Plan. Through this waiver, participants on U.S. trips will receive a full refund (less the $300 Deposit, Comprehensive or Ultimate Protection Plan Fee and any visa fees, if applicable) if: the U.S. Department of State states there has been a terrorist attack against U.S. interests within 90 days of departure and within 50 miles of a city being visited.
What can I do with a Travel & Company Travel Credit Voucher?
Travel on a Travel & Company tour!
If you don’t want to travel right now, why not travel on a Travel & Company tour sometime next year?
Participation valid through December 31, 2009.
ACIS Travel Credit Voucher Information
- The Travel Credit Voucher is fully transferable to another participant.
- The original voucher must accompany the registration form upon enrollment.
- The Travel Credit Voucher cannot be divided among participants and only one Travel Credit Voucher per participant is permitted.
- Participants canceling a program paid for using an ACIS Travel Credit Voucher will be charged a cancellation fee in the amount of their ACIS Travel Credit Voucher, or cancellation fees associated with that program, whichever is higher.
- The Travel Credit Voucher can only be redeemed toward program fees and is not redeemable for cash, nor is it a merchandise credit or gift certificate.
THE SCOPE OF ALL BASIC, COMPREHENSIVE, AND ULTIMATE PROTECTION PROVIDED WILL BE DETERMINED BY THE TERMS OF THE AIG POLICY, WHICH ARE ONLY SUMMARIZED ABOVE. A COPY OF THE "HEALTH AND PROGRAM CANCELLATION/INTERRUPTION COVERAGE" BROCHURE IS SENT TO PARTICIPANTS UPON ENROLLMENT.