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Why Buy Travel Protection?

Why buy Travel Protection?

You, your family or even your travel companions, become sick or injured and prevent you from traveling. You arrive at your destination and your luggage is lost or damaged. You are injured during your trip and need to be medically evacuated.

At SNOW VENTURES, we understand the value of your vacation investment and strongly recommend the purchase of Snow Ventures Travel Protection Plan to safeguard and enhance your experience. As a convenience we include the cost of our travel protection plan on your invoice. To purchase, simply pay the invoice total.

 Q. Why should I enroll in the Snow Ventures Passenger Travel Protection Program?

A. Preparing for your trip includes helping to protect yourself in the event of an unfortunate occurrence that interferes with even your best laid plans. By purchasing the Snow Ventures Travel Protection Program, you can help protect yourself against cancellation penalties, medical costs, baggage loss and delay and gain access to a wide range of traveler's assistance services. The Snow Ventures Passenger Travel Protection Program would provide coverage if:
  • A closed roadway causes cessation of travel to your ski destination
  • You become sick and can't travel.
  • Someone in your immediate family develops an illness, even if they aren't scheduled to travel with you.
  • Your house becomes flooded due to a hurricane.
  • An Immediate family member back home passes away and you must return from your travels early.
  • Your luggage is lost by the airlines.
  • You twist your ankle and must visit a doctor while traveling.

    At Snow Ventures, we offer a plan designed for the specific needs of our passengers, including benefits designed for winter ski travel. You will be provided a full description of benefits, conditions, limitations and exclusions once the plan is purchased.


Q. Will my current home, renters, credit card or health insurance policies cover my trip?

A. Other policies may not offer insurance protection while you travel due to benefit limits, territory restrictions and deductibles. Most people do not have any insurance coverage at all if they must cancel their trip. The Snow Ventures Travel Protection Plan has a wide range of travel benefits which credit card, homeowners and renters insurance policies may not offer. The accident medical benefit included in the program is valuable for people whose health insurance policies (Medicare & HMO) do not pay for out of network medical expenses.

Q. Is there help when I'm traveling?

A. One of the valued benefits offered in the Snow Ventures Travel Protection Program is 24-Hour Emergency Assistance Service. You have access to the services of a highly trained, multi-lingual staff around the clock to assist you with emergencies such as cash transfers, lost documents, medical or legal monitoring or referrals. They are equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies.

Q. When is the insurance due and how do I enroll?

A. For your convenience we include the cost of Travel Protection on your trip invoice. Simply pay the invoice including the travel insurance total and you will be provided the security of the Snow Ventures Travel Protection.

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

A. Trip Cancellation benefits are effective on the day following receipt of the required plan cost by Snow Ventures. All other benefits will take effect at 12:01 A.M. on your scheduled departure date. The Plan will remain in effect until your scheduled return date, or when you return home, whichever is earlier. Please see the Description of Benefits for detailed information.

Q. What happens if I must cancel my trip?

A. Contact Snow Ventures as soon as possible. If you must cancel due to a listed reason you should also contact Travel Insured International to file a claim. The plan will not pay benefits for any additional charges incurred that would not have been charged had you notified these parties as soon as reasonably possible.

Q. What happens if my traveling companion cancels his or her trip?

A. Contact Snow Ventures as soon as possible. The plan will pay the additional cost you may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements, if a person booked to share accommodations with you cancels his/her trip for a listed reason and you do not cancel.

The Frequently Asked Questions provided above are for information purposes only, please review the Evidence of Benefits for a full description of benefits, conditions, limitations and exclusions.

Frequently Asked Questions

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

A. Upon your return home, contact Travel Insured International to report your claim. You will be provided claim forms to document your loss. Please note that you will be asked to provide verification of your loss including police reports, and store receipts.

Q. How long do I have to gather all of the information for my claim?

A. Few claims require more than 3 weeks from the time of first notice to the time of payment, however you have up to one full year from the date we were first notified of your claim.

Q. How long will it take for me to get my refund?

A. It typically takes 1-3 weeks; the more accurate you fill out the claim forms, the quicker the claim can be processed.

Q. What if bad weather is predicted where I plan to travel? Will the Snow Ventures Travel Protection Program cover me if I cancel my trip?

A. If Weather at your departure point causes complete cessation of your common carrier for 48 hours then you will be eligible for Trip Cancellation benefits. Please review your plan for the specific terms and conditions.

Q. What if the mountain closes due to poor conditions after I arrive??

A. Contact Snow Ventures and Travel Insured International immediately to document your loss. Your plan includes benefits for your unused lift tickets, up to $250, due to mountain closure.

Q. What if I lose my passport or travel documents during my trip?

A. Contact the Assistance Company using the phone numbers provided in the Evidence of Benefits. The Assistance Company is available to help you 24 hours a day. Their multilingual staff can provide assistance in handling unexpected complications such as lost passports, tickets, luggage or other valuable travel documents or belongings. This service will be able to also assist you with emergency cash transfer assistance, medical consultation and monitoring, emergency legal assistance, emergency medical and dental assistance, and emergency medical payment assistance.

Q. How do I file a claim?

A. To file a claim contact our Plan Administrator, Travel Insured International at P.O. Box 280568, East Hartford, CT 06128, 1-800-243- 2440. Their Claims Specialist will ask you to provide your travel dates and details describing the nature of your loss. Upon receipt of this information you will be forwarded the appropriate claim form(s) to complete. Please save all receipts, unused travel documents, medical records, etc. to include with your claim in order to facilitate prompt claims settlement. If you must cancel your trip, you must advise Snow Ventures, and Travel Insured International immediately. In the event of claim, payment may be reduced for any additional charges incurred that would not have been charged had you notified these parties as soon as possible. You may also obtain claim forms online at www.travelinsured.com.

Q. What constitutes a family member?

A. A family member means any of the following who resides in the United States, Canada, or Mexico: You or Your Traveling Companion’s: legal spouse (or common-law spouse where legal), legal guardian, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner, a caregiver who lives with and is employed by You, or a person for whom You are the primary caregiver and with whom You have lived for 12 continuous months prior to the effective date of Your Plan, whether or not they travel with You.

Q. What are Pre-Existing Conditions?

A. Pre-existing condition means any Injury, Sickness or condition (including any condition from which death ensues) of You, or Your Traveling Companion, You or Your Traveling Companion's Family Member or Your Business Partner which within the one hundred and eighty (180) day period prior to the Effective Date of Your Protection Plan: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) required medical treatment or treatment was recommended by a Legally Qualified Physician. (Note, In California, part 'a' is not applicable).

Q. Are there exclusions and restrictions?

A. Exclusions are standard in virtually every travel insurance product. Please read carefully the Evidence of Benefits for a full list of terms conditions and exclusions that apply to this plan.

Q. Who is the Underwriting Company?

A. This Plan is administered by Travel Insured International and underwritten by Ranger Insurance Company under the management of Fairmont Specialty Group. Please note that TIG/Fairmont’s “Privacy Policy & Practices” and “Grievance Procedures” apply to this plan. If You would like to receive a copy of this information, please contact Travel Insured International.

The Frequently Asked Questions provided above are for information purposes only, please review the Evidence of Benefits for a full description of benefits, conditions, limitations and exclusions.
 
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