Type*
Email*
Comments*
 
Life & Style logo
+1 (518) 507 5433
My Account
Email Address*
Password*
Forgot Password?

Travel Insurance

Before making your travel arrangements, please take just a moment to remember how unpredictable traveling today can be. Common travel problems like flight delays, travel injuries and illnesses, unpredictable weather and lost or stolen luggage can result in remembering a trip for all the wrong reasons.

With the big trip quickly approaching, now is the time to ensure that you’re planning for the best, so we provide valuable travel insurance coverage and assistance through Travel Guard, one of the world's leading providers of travel insurance and assistance.

The Insurance Plan is an affordable, broad package of benefits that provides coverage for many unexpected events.

Insurance Plan

Trip CostTrip Cancellation
125% of Trip CostTrip Interruption
$500Trip Delay ($150 maximum per day)
$500Missed Connection
$1,000 Baggage & Personal Effects Loss
$500Baggage Delay
$20,000Medical Expense
$50,000Emergency Evacuation and Repatriation of Remains
$50,000Accidental Death & Dismemberment
IncludedTravel Medical Assistance
IncludedWorldwide Travel Assistance
IncludedLivetravel® Emergency Assistance

The pre-existing conditions exclusion will be waived as long as the Insurance Plan is purchased with Initial Trip Payment andrn you are medically able to travel at the time you pay your plan cost.



Brief Description of Coverage

For questions regarding coverage or to file a claim please call us so that we may assist.rn

We understand that your trip can take a year to save for, but only a second to ruin. While you can't do anything to prevent the unexpected, you can do something to help cover your travel investment. The Insurance Plan may be purchased to do just that. For a complete Description of Coverage, please contact us at Life & Style.

100% of insured Trip Cost Trip Cancellation & 125% of insured Trip Cost Trip Interruption
Reimburses for nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to a covered reason (provided below within the FAQ’s)

$500 Trip Delay
Reimburses up to $150 per day if your trip is delayed for more than 6 hours for reasonable additional expenses until travel becomes possible. 

$500: Missed Connection
Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for three - 12 hours to your point of departure.

$1,000 Baggage & Personal Effects Loss
Reimburses if your luggage, personal effects or travel documents are lost, damaged, or stolen while on your trip.

$500 Baggage Delay
Can reimburse you for the purchase of necessary personal effects if your bags are delayed for more than 24 hours.

$20,000 Medical Expense
Pays for medical expenses incurred while on a trip.rn

$50,000 Emergency Evacuation & Repatriation of Remains
Covers evacuation and transportation as directed by a physician to the nearest adequate medical facility.

$50,000 Accidental Death & Dismemberment
Pays for loss of life and limb if it occurs within 180 days of an accident during your trip.

Assistance Services

Travel Medical Assistance*
A menu of services available for emergency medical requests, including prescription replacement, physician referrals, medical evacuations, and more.

Worldwide Travel Assistance*
Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information; and more.

LiveTravel® Emergency Services*
Dedicated LiveTravel® counselors available to help with any travel request, including flight or hotel rebookings, rental car reservations, roadside assistance, and more.

* Non-insurance services are provided by our insurance partner(s).


Why Choose the Insurance Travel Protection Plan?

  1. It's 10 p.m. and you have arrived at the airport for a connecting flight to Australia, only to find that it has been cancelled. Who can assist you with finding new flights to catch up with your trip?
  2. Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
  3. On the way to your cruise in Greece, your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
  4. Your sister or brother becomes seriously ill and you must cancel your trip. What happens to your non-refundable deposits or pre-payments?
  5. You arrive in France and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?
  6. You're on a tour in New Zealand and you twist your ankle. Who can help you find a physician to have it examined?


Frequently Asked Questions

Q. What does this plan cover due to Trip Cancellation?
A. The insurer will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your Trip for an unforeseen sickness, injury or death of yourself, a Family Member, Traveling Companion or Business Partner;
Inclement Weather causing delay or cancellation of travel;
Strike resulting in complete cessation of travel services at the point of departure or Destination;
Your Primary Residence being made Uninhabitable by Natural Disaster, vandalism, or burglary;
You or your Traveling Companion being subpoenaed, required to serve on a jury, hijacked or quarantined, you or your Traveling Companion is involved in or delayed due to an automobile accident while en route to your Destination;
A Terrorist Incident in a City listed on your itinerary within 30 days of scheduled arrival;
Or if you or your Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year.
For a complete list of covered reasons for Trip Cancellation, please refer to the Description of Coverage.

Q. Will I be covered if I cancel my Trip for any reason?
A. Only certain unforeseen circumstances would be covered. A list of these circumstances is provided above and included in the Description of Coverage.

Q. What happens if a family member not traveling with me becomes ill or passes away? Is this covered?
A. An illness or death of a family member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions apply). The definition of a Family Member is included in the Description of Coverage.

 Q. When does the coverage begin?
 A. The coverage for Trip Cancellation will be effective for an Insured at 12:01 a.m. Standard Time on the date following receipt by the tour company of any required plan cost. All other coverage’s will begin on the later of:  (a) 12:01 a.m. Standard Time on the scheduled Departure Date shown on the travel documents or (b) the date and time the Insured starts his/her Trip, provided any required plan cost has been paid.

Q. How do I file a claim?
A. Contact us at Life & Style so that we may put you in contact with the correct claims representative. A representative will review and complete a claim form for you and explain what needs to be provided in order to process your claim. The form will then be faxed or mailed to you for signature and to provide the appropriate documents.

While finalizing your travel experience with us, you may find that the “Add Insurance” option is already selected.  If you choose not to purchase travel insurance, you can simply uncheck that option. However, we strongly suggest that our clients purchase the optional insurance.

Please call us for questions or claims needs related to the Insurance Plan and you may also "contact us for additional plan details".
Please refer to plan code: 008032 P1.

This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions.  Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY  10038  and currently authorized to transact business in all states and the District of Columbia.  NAIC No. 19445.  Coverage may not be available in all states.