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 unforeseen 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 24-hour Non-Insurance 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 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 not only covers you (subject to the terms of the plan) if you need to cancel your program due to sickness or injury but also cover you if you need to cancel your trip due to the sickness or injury of any of these close family members.

Although there are several covered reasons for Program Cancellation, not every possible reason is covered. Program protection plans do not cover a change of mind or other similar discretionary reasons for cancelling your program. Cancel For Any Reason gives you the freedom to cancel a program for any reason not otherwise covered by this plan 2 days or more before the scheduled departure date and be reimbursed for up to 65% of the prepaid, non-refundable payments or deposits you paid for your program. Of course, if a program is canceled for a covered reason, then reimbursement would be at 100% of the prepaid, non-refundable payments or deposits you paid for your program (under the Program Cancellation Benefit).

Important Tip! Like some other provisions and benefits, Cancel For Any Reason is time sensitive and must be purchased within 20 days of the date your initial payment or deposit for the Program is received. Remember, unlike covered reasons such as sickness or injury, you do not receive 100% reimbursement.

There are three convenient 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.

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 plans contain one or more time sensitive provisions that broaden coverage. The time sensitive provisions which are included in our plans apply to coverage enhancements, such as the Waiver 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 12:01 am the day after the plan cost has been received. For most other benefits, coverage begins when you depart on your first travel arrangement to reach your program destination.

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 during the 60 days immediately prior to the date your coverage is effective for which a person receives (or receives a recommendation for) a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment. Conditions (during this same 60 day period) for which a person takes or receives a prescription for drugs or medicine are also considered to be Pre-Existing Conditions. However, a conditions that is treated or controlled solely through the taking of prescription drugs or medicine is not considered to be a Pre-Existing Conditions if the condition remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective.

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

The Program Cancellation Benefit does not cover the value of the frequent flyer points.

The Travel Delay benefit covers delays of at least 12 hours while en route to, en route from, or during your program caused by covered reasons, which include terrorism and common carrier delays.

Coverage is available (to the plan limit) for baggage and personal effects that are lost, stolen, or damaged during your covered program. You must 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 baggage is delayed for 24 hours or more. This can reimburse you for the purchase of reasonable additional clothing and personal articles.

You can cancel and return your plan to MH Ross within the 14-day free look period and receive a complete refund.

Yes, you should read your documents as soon as you receive them to make sure the information is accurate. The plan document explains the plan's benefits, limitations, conditions and exclusions. The Purchase Confirmation contains the maximum benefit amounts for the plan purchased. These two documents 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.

You can contact Generali Global Assistance. Assistance coordinators are available 24/7 to help you in emergency situations. The Generali Global Assistance contact information is included in the Plan Document and on your Purchase Confirmation. Services provided by Generali Global Assistance are not insurance.

Typically, a word or phrase is capitalized because the word or phrase is defined in the plan.

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 time on your scheduled departure date (or your actual 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, the Single Supplement sub-benefit can reimburse you for the additional cost incurred as a result of the change in the per person occupancy rate for prepaid program arrangements, provided your traveling companion has canceled or interrupted his or her program for a covered reason.

Age is important as your plan cost is based on a combination of age, program cost and program length.

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