Question and Answers

See answers to the most commonly asked travel insurance questions below. Have a question not answered here? Give us a call at (800) 423-3632 and one of our Customer Service Representatives will be happy to help you.

Program Protection is designed to cover both you and the cost of your program arrangements against a variety of unforeseeable reasons that may affect you or your travel plans.

Emergencies happen when you least expect it. Program Protection provides coverage for Program Cancellation or Interruption; Medical Emergencies; Baggage (loss, damage or delay) or Travel Delay and much more. Plus, we offer our exclusive One Call 24-hour Traveler Assistance Service to help you with emergency situations that arise during your program.

Many travel products are non-refundable, and the best airline and cruise deals usually come with few options if you can't actually attend your program. Last week the airline joyfully booked your flight. This week it declared bankruptcy. Last month you reserved your program. A few weeks later a family member became critically ill.

Important Tip! Many people only consider their own health when deciding about program protection. It is not uncommon for younger people to assume that because they are healthy, program protection is not needed. But what about parents, grandparents, children, grandchildren, aunts and uncles? Remember program protection covers you if something happens to you or to any of these people, causing you to cancel your program.

Although there are a great many covered reasons for Program Cancellation, not every possible reason is covered. Program protection policies do not cover a change of mind or other similar discretionary reasons. Cancel For Any Reason gives you the freedom to cancel a program for any reason whatsoever 2 days or more before the scheduled departure date and be reimbursed for up to 100% of the cancellation penalty amount. Of course, if a program is canceled for a covered reason, then reimbursement would be at 100% of the cancellation penalty amount under the Program Cancellation Benefit.

Important Tip! Like some other provisions and benefits, Cancel For Any Reason is time sensitive and must be purchased with or before the final payment for the Program. Remember, unlike covered reasons such as sickness or injury, you do not receive reimbursement for your entire cancellation penalty amount.

There are three convenient, easy ways for you to purchase one of our exclusive Program Protection Plans, online at cp.mhross.com, through a participating camp organization or by calling our Customer Service Department at (800) 423-3632.

You should insure total the cost of all of your non-refundable air, land or cruise program arrangements. Fully-refundable arrangements (i.e. without any penalties or restrictions) need not be insured.

For example, many first class airline tickets, and some business class tickets are fully refundable. You should only buy program protection for prepaid and non-refundable program arrangements. Non-cash transactions such as use of frequent traveler awards, early bird discounts etc., generally cannot be covered as these items have no cash value.

Important Tip! You should always insure the full cost of any prepaid, non-refundable program arrangements, as there will be additional limitations and exclusions if you insure less than the full cost of your non-refundable program arrangements.

For a variety of reasons, it is prudent to purchase program insurance when you first book your program (i.e. make your first payment for program arrangements). Why? Most program protection policies contain one or more time sensitive provisions that broaden coverage. The time sensitive provisions which are included in most of our plans apply to several coverage enhancements, such as waiving of the Pre-Existing Conditions Exclusion and the Cancel For Any Reason Benefit.

Important Tip! It is generally a mistake to wait until final payment for your trip to purchase program protection, because by buying earlier you receive better coverage at the same price.

Under the Program Cancellation Benefit, coverage begins for events occurring the day after you have purchased a plan. For all other benefits, coverage begins when your covered program commences.

You should enter your attained age at time of purchase of a plan.

In simple terms, a pre-existing medical condition is a sickness, injury or other medical condition for which a person receives diagnosis, treatment or advice during the 60 day period prior to your coverage effective date. Conditions controlled solely through medication, without a change in dosage, are not considered to be Pre-Existing Conditions.

If your condition is stable and controlled, and your medication remains unchanged, throughout the 60 day pre-existing period, this would not be considered a pre-existing medical condition.

Yes, you may extend your policy term while traveling on your covered program as long as: 1) you have not experienced an injury or sickness or undergone medical treatment during your program, 2) coverage under this policy is in force at the time you request an extension, and 3) you pay any additional required premium for such extension, if applicable.

The Program Cancellation Benefit does not cover the value of the frequent flyer points. However, you are still able to insure the non-refundable tax portion, any upgrade costs and re-banking fees.

The Travel Delay benefit includes coverage for any type of common carrier delay, including terrorist acts.

With most plans, you will be reimbursed (up to the plan limit) for the additional transportation costs to join your program and any unused portion of prepaid land or water program arrangements, if you miss your tour or cruise departure because your arrival at your program destination is delayed 3 hours or more due to: 1) any delay of a common carrier; 2) a documented weather condition prevented you from getting to the point of departure; or 3) quarantine, hijacking, strike, natural disaster, terrorism or riot.

Under the Travel Delay Benefit, you will be reimbursed (up to the plan limit), for additional reasonable meal, accommodation and local transportation expenses if you are delayed beyond a minimum required time for a covered reason such as delay of a common carrier.

Coverage is available (to the plan limit) for baggage and personal effects, passports and visas that are lost, stolen, or damaged during your covered program. You must submit documentation from the common carrier for your loss, including all receipts for the necessary purchases made and documentation for reimbursements received and take all reasonable steps to protect, save or recover your baggage and personal effects.

Our plans also provide a Baggage Delay Benefit, if while on your program, your checked baggage is delayed by an airline (generally for 12 hours or more) to reimburse you for the purchase of necessary personal effects while on your program.

You can cancel and return your policy within the 10-day free look period and receive a complete refund. Generally, the Enrollment Processing Fee is not refundable.

Yes, you should read your documents as soon as you receive them to make sure the information is accurate. The Plan Certificate explains the policy benefits, limitations, conditions and exclusions. The Purchase Confirmation/Declarations contains the maximum benefit limits for the plan purchased. These two documents form your Policy/Certificate of Insurance and should be taken with you on your program so you may refer to them in case of an emergency.

Please call us with all of the details and we will be happy to assist you. You may call 1-800-423-3632. We may request documentation regarding your changes.

To determine the individual program cost to be insured, divide the $10,000 beach house cost by the number of family members and then add each individual’s airfare along with any other non-refundable program arrangements. You have now calculated the correct individual amount for each family member for his or her individual program cost.

You can contact our One Call Travel Assistance Network. Assistance coordinators are available 24/7 to help you in emergency situations. The One Call contact information is included in the Plan Certificate and on your Purchase Confirmation/Declarations.

A word or phrase is capitalized because the word or phrase is defined in the policy.

The Program Cancellation Benefit reimburses you for your non-refundable program deposits or payments if you must cancel your program for a covered reason. The covered reason that causes you to cancel must occur after your effective date and prior to your scheduled departure.

The Program Interruption Benefit reimburses you for unused land or water travel arrangements, plus additional airfare to return home or rejoin your program when you must interrupt your travel for a covered reason.

If you would like to attend your program without your traveling companion, we will reimburse you for the occupancy upgrade charges you incur, provided your traveling companion has canceled or interrupted his or her program for a covered reason.

Age is important as premium rates are often based on a combination of age, program cost and program length.

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