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 protecting yourself from unfortunate occurrences that threaten to interfere with even your best-laid plans. By purchasing Abercrombie & Kent's Passenger Travel Protection Program, you can 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 Abercrombie & Kent's Passenger Travel Protection Program 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 because your child comes down with the chicken pox and you are quarantined
• Your house becomes flooded due to a hurricane or natural disaster
• A family member back home 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 traveling
• Many 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 for a covered reason, the plan provides coverage up to your total vacation cost ($25,000 maximum).

Covered reasons include illness, injury or death to you, a traveling companion or a family member. Additional covered reasons for cancellation include jury duty, subpoena, having a home made uninhabitable by a natural disaster, hijacking, quarantine and being involved in a documented traffic accident en route to departure. 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 medical transportation to the nearest appropriate medical facility, the plan will pre-pay up to $50,000 for covered transportation expenses. In addition, in the event of your death, the plan pays up to $25,000 toward the expenses associated with transporting your remains.

Medical Protection

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 traveling overseas is particularly important as Medicare and HMO's may not cover medical expenses incurred outside the U.S.

Baggage Protection

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 protection, 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

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 premium.

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

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. Abercrombie & Kent's program has a wide range of travel benefits which credit card, homeowners, and renters insurance policies most likely do not offer. The medical coverage included in Abercrombie & Kent's program is absolutely vital for most 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.)

Is there help while I'm traveling?

One of the valued benefits offered in 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 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, or referrals. They are also equipped to respond in many unexpected circumstances.

If an emergency should arise during your trip, call Travel Guard Assist 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 90 days, you should still consider enrolling in the Passenger Travel Protection Plan because you can waive the Pre-Existing Condition exclusion by simply enrolling in the plan at the time of booking. Doing so will remove the exclusion from the plan so that even pre-existing medical conditions 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 alleviate doubt as to coverage for chronic medical conditions. There are some conditions that are not covered by the policy 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 for the applicable plan cost (in addition to required deposits and/or final balances). If you cancel the booking outside of the penalty period, your plan cost will be refunded.

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 valid 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 by final payment?

With Abercrombie and Kent's Passenger Travel Protection Program, you can secure a package of valuable coverages by simply paying one attractive price along with your tour payment. In addition, the pre-existing condition exclusion will be waived if your travel protection program payment is made prior to, or with your final trip payment and you are medically able to travel at the time you purchase the insurance. It's that easy!

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 traveling companion cancels for 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 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 traveling?

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. Upon your return home, simply 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.

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 $5,000 for a covered accident and up to $5,000 for a covered illness that occurs during your trip. In order to be reimbursed, save any receipts and statements from the treating physician. Upon your return home, simply 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 this medical 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 1-866-807-7257 from 8:00 am to 5:00 pm 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 canceling 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 covered emergencies during your trip which require evacuation, interruption, or other travel-related emergencies, call Insure America and provide them with your policy number and emergency details.