|
If you have purchased the Auto Club South Travel Protection Plan and have a question or wish to file a claim, please contact the Plan Administrator at 1-800-817-0913. You may also file a claim online at www.travelclaim.com.
AAA Travel Agency recommends travel insurance for any trip and is available
through your AAA Travel Agency. It is extensive, reasonably priced and
provides superior benefits including:
For additional information , please call 1-800-817-0913 (Mon.-Fri. 9am-5pm).
Why should I purchase the Auto Club South Travel Protection Plan?
You've saved, you've waited, and now you're all set to go on the vacation
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 Auto Club South Travel Protection Plan, you
can help protect yourself against cancellation penalties, medical costs,
baggage loss and delays, as well as gain access to a wide range of traveler's
assistance services.
Did you know that the Auto Club South Travel Protect Plan 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 Auto Club South vacation 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
The Auto Club South Travel Protection Plan includes pre-trip cancellation
protection and post-departure coverage for the following:
- Trip Cancellation and Trip Interruption
If you must cancel or interrupt your travel plans for a covered reason,
the Auto Club South Travel Protection Plan provides coverage up to your
TOTAL TRIP COST.
- Trip Delay
If you should miss the departure of your vacation due to carrier-caused
delays or other covered reasons, the Program reimburses you up to $500
for additional accommodations, meals and "catch up" transportation
expenses.
- Medical Protection
If you become ill or are injured while on your trip, the Auto Club South
Travel Protection Plan will cover up to $10,000 in medical expenses.
The medical policy also covers emergency evacuation and repatriation
of remains expenses (up to $20,000). Medical coverage while traveling
overseas is particularly important as Medicare and some HMO's may not
cover medical expenses incurred outside the US
- Baggage Protection
Reimburse expenses up to $1,000 for the covered loss, damage, or theft
of baggage and/or personal effects during or while in transit to or
from your vacation. This benefit also includes baggage delay protection,
covering you for the purchase of necessary items (up to $250) in the
event your luggage is delayed by a common carrier for more than 24 hours
en route to your vacation.
- 24 Hour Worldwide Emergency Assistance
24 hour emergency telephone assistance hotline for medical and travel
related problems.
Other insurance policies may not offer protection while you travel due
to benefit limits, territory restrictions and deductibles. Most people
do not have any insurance coverage at all if they must cancel their trip.
The Auto Club South Travel Protection Plan has wide range of travel benefits
which credit card, homeowners and renters insurance policies most likely
do not offer. The medical coverage included in the Auto Club South Travel
Protection Plan is absolutely vital for most people whose health insurance
policies (Medicare & HMO) do not pay for covered medical expenses
incurred outside of the United States or do not cover transportation charges
due to medical emergencies.
One of the valued benefits offered in the Auto Club South Travel Protection
Plan is the 24 Hour Emergency Assistance Service. AIG Assist is a leader
in this field. With AIG Assist 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
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 vacation, call AIG Assist immediately
and give the details of your problem or medical emergency.
 
When is the insurance 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
Auto Club South'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 effective date will protect you against unforeseen
circumstances that may arise at a later date and the preexisting condition
exclusion.
The Trip Cancellation coverage takes effect upon receipt of the required plan cost by AAA Auto Club South. 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 our return to you origination point as stated on your tickets, whichever earlier. The maximum trip length covered by the plan is 120 days. Please see Description of Coverage for detailed information
The Auto Club South Travel Protection Plan is available only to US and
Canadian residents who book their travel arrangements with Auto Club South.
Even if you have a medical condition that has been unstable in the last 60 days, you should still consider enrolling in the Travel Protection Plan because you can waive the preexisting condition exclusion by simply enrolling in the plan and paying for it at the time of your initial trip payment. Doing so will remove the exclusion form the plan from the plan so that even preexisting medical conditions can be covered. So long as you are medically able to travel at time of purchase, waiving the preexisting condition exclusion is the easiest way to alleviate doubt as to chronic medical conditions.
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 $1,000.
In the event of a claim, please contact the Plan Administrator, at 1-800-817-0913, or file online at www.travelclaim.com. If you plan to cancel your trip due to a covered reason, call AAA Auto Club South and the Plan Administrator immediately to initiate the claims process and to avoid additional expenses due to late notification. For covered emergencies during your trip which require evacuation or interruption, promptly call AIG Assist with your policy number and emergency details. Once the Plan Administrator receives full documentation, payment for a covered claim can be generated within 5 business days.
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 among others. See the Definitions section of the Description of Coverage for a full listing.
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 travel insurance product. Please see the Description of Coverage for a full list of exclusions.
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. Please see the Description of Coverage for a full list of covered reasons for cancellation.
The Auto Club South Travel Protection Plan does have a preexisting condition
exclusion which is quite liberal. The preexisting condition limitation
precludes coverage only for those medical conditions that manifested themselves,
became a or were being treated in the 60 days before coverage goes into
effect (date of coverage purchased).
You may have a chronic condition that requires that you take medication
and still e 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 preexisting
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 policy should provide coverage. Please see the Description of Coverage
for complete details.
You can also "waive out" of the preexisting condition exclusion by enrolling in the plan with your initial vacation deposit or payment. (See "Waiver feature" in the Description of coverage.)
*Certain restrictions, limitations and exclusions may apply.
+ Preexisting Conditions Exclusion applies to these coverages.
This is a brief summary of the coverages and benefits included. Certain exclusions apply, most notably a preexisting condition exclusion which limits coverage for unstable medical conditions that are treated, manifest themselves or for which a prescription has changed within the 60 days prior to the effective date of coverage. Other policy terms, conditions and exclusions may also apply. For a full description, please review the Plan Description of Coverage pamphlet which can be obtained from your AAA Auto Club South travel counselor at any branch location.
|