Frequently Asked Questions

General Questions

Why should I purchase Abercrombie & Kent's Passenger Travel Protection Program

You've saved, you've waited and now you're all set to go on the vacation of your life — an Abercrombie & Kent vacation. Preparing for your trip includes covering your trip from unfortunate occurrences that threaten to interfere with even your best-laid plans. By purchasing Abercrombie & Kent's Passenger Travel Protection Program, you can cover yourself against cancellation penalties, medical expenses, baggage loss and delays, as well as gain access to a wide range of traveller's assistance services.

Did you know that Abercrombie & Kent's Passenger Travel Protection Program could cover you if:

• Someone in your immediate family suffers an illness or injury, even if they aren't scheduled to travel with you
• You become ill and can't travel because your child comes down with the chicken pox and you are quarantined
• Your primary residence becomes flooded due to a hurricane or natural disaster
• A family member passes away, and you must return from your vacation early
• Your luggage is lost by the airline
• You twist your ankle and must visit a doctor while travelling
• Other unforeseeable events as listed in the Description of Coverage

What does it cover?

Abercrombie & Kent's Passenger Travel Protection Program includes pre-departure and post-departure coverage for the following:

Trip Cancellation and Trip Interruption

If you must cancel or interrupt your trip due to a covered reason, the plan provides coverage up to your total vacation cost ($100,000 maximum).

Covered reasons include illness, injury or death to you, a travelling companion or a family member. Additional covered reasons for cancellation include jury duty, subpoena, having a primary residence made uninhabitable by a natural disaster, hijacking, quarantine or being involved in a documented traffic accident en route to destination. Please refer to the Description of Coverage for full details.

Trip Delay

If you should miss the departure of your trip due to carrier-caused delays or other covered reasons, the plan reimburses you for reasonable additional expenses (meals and lodging) until travel becomes possible or a one-way economy airfare ticket from the point where the Insured left the Trip to a destination where the Insured can rejoin the trip.

Emergency Evacuation/Repatriation

If an injury or illness requires emergency evacuation or repatriation to the nearest appropriate medical facility, the plan will reimburse up to $50,000 for covered transportation expenses or in the event of your death, toward the expenses associated with transporting your remains home.

Accidental Death & Dismemberment

Pays for loss of life or limb if it occurs within 180 days of an accident during your trip.

Medical Expense

If you become ill or injured while on your trip, the plan will reimburse you up to $25,000 in medical expenses. Medical coverage while travelling overseas is particularly important as Medicare and HMOs may not cover medical expenses incurred outside the U.S.

Baggage & Personal Effects Loss and Baggage Delay

If your baggage and/or personal effects should become lost, stolen or damaged during or while in transit to or from your vacation, the plan will reimburse you up to $2,000. The program also includes baggage delay coverage, covering you up to $1,000 for the purchase of necessary items in the event your luggage is delayed by a common carrier for more than 24 hours from the time you arrive at the destination stated on your ticket until your baggage is returned to you.

24-Hour Worldwide Emergency Assistance

This is a 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.

Are my airline tickets covered?

The Passenger Travel Protection Program can cover your airfare whether or not your air was booked through Abercrombie & Kent. This is subject to payment of the appropriate plan cost.

Will my current homeowners, renters, credit card, or health insurance policies cover me during my trip?

Other insurance may not offer coverage while you travel due to coverage terms, restrictions, or limitations. Most people don't have any insurance coverage at all if they must cancel their trip. Abercrombie & Kent's program has a wide range of travel benefits that other insurance may not offer. The medical expense coverage included in Abercrombie & Kent's program is absolutely vital for people whose health insurance plan may not pay for medical expenses incurred outside of the United States (e.g., Medicare, certain HMOs, etc.)

Is there help while I'm travelling?

One of the valued assets provided by the Abercrombie & Kent's Passenger Travel Protection Program is the 24-Hour Emergency Assistance Service. Travel Guard is a leader in this field. With Travel Guard Assistance Services, you have access to the services of a highly trained, multi-lingual staff to assist you around the clock 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.

Where can I call for more information?

You may call Travel Guard, the plan administrator at 866 807 7257, with any questions regarding Abercrombie & Kent's Passenger Travel Protection Program. Their service representatives will be happy to assist you.

I know that I have a pre-existing medical condition; will the plan cover me?

Even if you have a medical condition that has been unstable in the last 60 days, you should still consider enrolling in the Passenger Travel Protection Plan because the Pre-Existing Condition exclusion can be waived by simply enrolling in the plan within 15 days of the date of booking. Doing so will waive the exclusion in the plan so that trip cancellation or interruption due to a pre-existing medical condition can be covered. So long as you are medically able to travel at time of purchase, waiving the Pre-Existing Condition exclusion is the easiest way to help alleviate doubt as to coverage due to chronic medical conditions. There are some conditions that will remain excluded, such as anxiety-related mental or nervous disorders. Please see the Exclusions section of the Description of Coverage to view these conditions.

Enrollment Questions

When is payment for the plan due and how do I enroll?

The cost of the plan will automatically be reflected in the total amount due on your invoice. You are enrolled upon Abercrombie & Kent's receipt of payment of the applicable plan cost (in addition to required deposits and/or final balances).

When does coverage go into effect and will it cover me for the entire length of my trip?

The Trip Cancellation coverage takes effect upon receipt of the required plan cost by Abercrombie & Kent. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. Your coverage will remain in effect until 11:59 P.M. on your scheduled completion date or your return to your origination point as stated on your tickets, whichever is earlier. Please see the Description of Coverage for detailed information.

So all that is required to waive the Pre-Existing Condition exclusion is that I must purchase the plan within 15 days of making my final deposit?

With Abercrombie and Kent's Passenger Travel Protection Program, you can secure wavier of the pre existing medical conditions exclusion by paying within 15 days of making your deposit. So long as you are medically able to travel at time of purchase.

Claims Questions

What happens if I need to cancel my trip?

Please contact your travel agent, Abercrombie & Kent and Travel Guard as soon as possible in the event of a claim, as the plan will not pay benefits for any additional charges incurred due to a delay in notifying your agent or Abercrombie & Kent of your cancellation. Travel Guard will then forward you the appropriate claim form in order to file a claim.

What happens if my travelling companion cancels their trip but I still want to travel?

If your travelling companion cancels due to a covered reason under Abercrombie & Kent's Passenger Travel Protection Program and you are forced to pay a "change in occupancy" fee (or single supplement charge), the program will reimburse you for this expense.

What if bad weather is predicted where I plan to travel? Will Abercrombie & Kent's Passenger Travel Protection Program cover me if I cancel my trip?

Please note that there is no coverage for trip cancellation in the event of inclement weather (actual or predicted). However, in the event that inclement weather causes a delay of 12 hours or more in your arrival to the ship or on your return home, coverage is provided under the Trip Delay benefit.

How do I get reimbursement if my bags and/or personal items are damaged/stolen/lost while I am travelling?

First, obtain verification from the appropriate authority to whom you reported the loss (for example, airline, hotel, transportation official, police, etc.). The baggage portion of the program will reimburse the cost of repair or replacement for the luggage and covered contents inside the luggage up to the plan limits. Upon your return home, request a claim form by calling Travel Guard. You will be asked to complete the form and submit copies of this information along with your claim form, in addition to any response you may have received from your homeowners or renters insurance in regard to this loss in the event you have not purchased the primary baggage upgrade.

If I require medical care while on my trip, are my medical bills covered?

Yes. The plan reimburses your co-payments or deductibles, up to $25,000 due to an accident or illness that occurs during your trip. In order to be reimbursed, save any receipts and statements from the treating physician. Upon your return home, request a claim form by calling Travel Guard. You will be asked to forward copies of your medical bills, as well as any explanation of benefit forms you may receive from your regular health insurer in regard to this loss. Please also note that should you require follow up care for your illness or injury once you return home, the plan continues to provide you with medical expense coverage for up to 52 weeks from the onset of the illness or injury, or until you have exhausted the coverage limit.

How do I file a claim?

In the event of a claim, please call Travel Guard, the plan administrator, at 866 807 7257 from 7:00 A.M. to 7:00 P.M. CST. Please note that you may want to have a copy of your Abercrombie & Kent invoice handy when you call as there are some details that will be needed in order to initiate your claim. This information includes your travel dates, date of cancellation, Abercrombie & Kent booking number and some brief information regarding your reason for cancellation or other type of loss (i.e., trip delays, baggage loss or delay, medical claims, etc.). Important: If you are cancelling your vacation, be sure to also contact your travel agent and/or Abercrombie & Kent to notify them of the cancellation, as well as to avoid additional expenses due to late reporting.

For emergencies during your trip which require evacuation, or other travel-related emergencies, call Travel Guard and provide them with your plan number and emergency details.

This is only a brief description of the coverage(s) available under policy series T30337NUFIC. The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Insurance 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. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.