All reservations include travel insurance at no cost to our guests. That's how strongly we believe in Travel insurance. You need do nothing additional, it's included with confirmed reservations. You may view travel insurance info here or call Travel Guard at 1-877-249-5376 and refer to Product No. 008573 P1. Claims are filed directly with Travel Guard. CENTURY 21 Bay Reef does NOT offer refunds for Hurricanes, evacuations or other circumstances.
Frequently Asked Questions
Did you know that travel insurance could cover you if:
Someone in your immediate family has an illness or injury, even if they aren't scheduled to travel with you
You become ill and can't travel or your child comes down with the chicken pox and you are quarantined
Weather prevents you from leaving home and reaching your destination
A family member back home passes away and you must return from your vacation early
Your luggage is delayed by the airline
You twist your ankle and must visit a physician while traveling
Many other unforeseeable events as listed in the Description of Coverage
Q. What does it cover?
A. The travel insurance plan offered includes coverage for the following:
Trip Cancellation & Interruption:
Covers your trip investment if you must cancel or interrupt your trip for covered reasons such as sickness, injury or death to you, your traveling companion or a family member; severe weather; required to serve on jury duty or if your principal residence is made uninhabitable.
Delay:
Reimburses for reasonable additional expenses if delayed for 12 hours due to covered reasons.
Baggage Delay:
If your baggage is delayed for more than 24 hours, you will be reimbursed for the purchase of essential items.
Medical Expense:
Covers emergency medical expenses incurred while traveling; includes emergency dental treatment.
Emergency Medical Transportation:
Covers emergency evacuation and transportation to the nearest adequate medical facility (home in the event of death or if medically required) as well as an escort if deemed necessary.
24-Hour Worldwide Emergency Assistance*:
24-hour emergency telephone assistance hotline provided by Travel Guard to help with travel-related emergencies ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring
Q. Will my current homeowners, renters, credit card, or health insurance policies cover me during my trip?
A. Other insurance policies may not offer coverage while you travel due to benefit limits, territory restrictions, and deductibles. Most people don't have any insurance coverage at all if they must cancel their trip. This travel insurance plan has a wide range of travel benefits, which credit card, homeowners, and renter’s insurance policies most likely do not offer. The medical coverage included in the travel insurance plan is especially beneficial for people whose health insurance policies do not pay for covered medical expenses incurred outside of the United States (e.g., Medicare, certain HMO's, etc.)
Q. One of the reasons listed under trip cancellation is “unforeseen sickness, injury or death of an insured or immediate family member”. What is the definition of an immediate family member?
A. The family member definition includes: a traveling companion, and the insured’s or traveling companion’s spouse, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, or legal ward. It also means the insured’s business partner. (Business Partner means someone who is involved with the Insured or the Insured’s Traveling Companion in a legal partnership and is actively involved in the daily management of the business.)
Q. What if I need transportation due to medical reasons and I am unable to get prior authorization from the Travel Guard Assistance service?
A. We always instruct our insureds to contact local medical services during an emergency for immediate medical attention, or evacuation if necessary, and then notify Travel Guard as soon as is reasonably possible. Payment arrangements for your evacuation will depend on the nature of your particular situation and should be discussed with Travel Guard.
Q. Is there help while I'm traveling?
A. One of the valued services offered along with the insurance is the 24-Hour Emergency Assistance Service. Travel Guard is a leader in this field. With Travel Guard Assistance, you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, or referrals. They are also equipped to respond in many unexpected circumstances.
If an emergency should arise during your trip, call Travel Guard Assistance immediately and give the details of your problem or medical emergency.
Q. Where can I call for more information?
A. You may call Travel Guard, the plan administrator at 1-877-249-5376, with any questions regarding the travel insurance. Their service representatives will be happy to assist you.
Q. How do I file a claim?
A. In the event of a claim, please notify your travel agent immediately. Then call Travel Guard, the plan administrator at 1-877-249-5376 and refer to product number 008573 P1 or if you are out of the United States, call collect at 1-715-345-0505.
Insurance coverage is underwritten by the National Fire Insurance Company of Pittsburgh, PA, with its principal place of business at 70 Pine Street, New York, New York 10270. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.
This is only a brief description of the insurance coverage(s) available. The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy will govern. Not all coverages are available in every state.
