A: Because Travel Insurance Select includes three time sensitive benefits insurance company strongly recommends you purchase the plan within 15 days of your initial deposit for your trip. When payment is received within 15 days of your initial deposit, you are eligible for:

• Pre-Existing Conditions Exclusion waiver (See Question # 9 below)
• Protection for Financial Insolvency of a Travel Supplier (See Question # 10 below)
• Protection for covered Terrorist Acts (See Question # 11 below)

You may buy Travel Insurance Select at anytime until the day before trip departure, but if your payment is received more than 15 days after the date of your initial deposit/payment for your trip, you will not be eligible for the time sensitive benefits.

If after you purchase of Travel Insurance Select you purchase additional trip arrangements or your trip costs increase, you must insure these additional arrangements/cost within 7 days to continue your eligibility for the time sensitive benefits. See Question # 4 for more details.

See the Travel Insurance Certificate for complete details.

A: You must determine your premium amount based upon the total per person cost of your Trip, including airfare. You do not need to include the cost of any travel arrangements that are not subject to cancellation charges or restrictions. If you insure an amount less than your full Trip cost, the exclusion for Pre-Existing Conditions will not be waived and the Pre-Departure Trip Cancellation and Post-Departure Interruption Benefits will be limited to the amount of coverage you purchased.

A: If your airfare is subject to a cancellation penalty or restriction (most are), insurance company recommends that you insure it. At your option, you can choose whether you want to insure your airfare or not. If you indicate that you want to insure your airfare by checking the "Air" checkbox in Item 2, you must include 100% of your airfare cost in your Trip Cost amount used to calculate Your Payment for this plan.

A: For example I have not yet booked my airfare. First, buy Travel Insurance Select within 15 days of your initial trip deposit/payment to fully cover the trip arrangements you have already purchased. Later, when your trip cost increases (for example, if you later book your airfare or add a trip extension), you should (within 15 days) increase the Trip Cost you are insuring to include these additional costs/arrangements. If you were originally eligible (i.e. purchased Travel Insurance Select within 15 days of your initial deposit/payment for your trip), you must purchase the additional coverage within 15 days of your payment for the new travel arrangements/costs to continue your eligibility.

Notify Travel Insurance Services in writing by email, fax or mail of the new travel arrangements/costs you want to insure and include the additional insurance premium. Please include a daytime phone number and your Confirmation Number.
Fax to (972) 767-4470, email to or mail to
Insubuy^®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093

If you need assistance during business hours (Monday - Saturday, 8:00 AM - 9:00 PM Central Time), call our Customer Service Representatives: Toll Free: (866) INSU-BUY or Phone: (972) 985-4400.

A: No, Frequent flyer miles are not covered if you must cancel or interrupt your Trip, and you cannot insure them. If you cancel your Trip for a covered reason, you will only be reimbursed the money actually paid for the Trip. Payments for travel arrangements in the form of a certificate, voucher or discount are not covered and also cannot be insured.

A: Travel Insurance Select covers friends traveling together if they meet the plan definition of Traveling Companion. Definition: a person whose name appears with yours on the same Trip arrangement and who, during the Trip, will share accommodations with you in the same room, cabin, condominium unit, apartment unit, or other lodging.

If your Traveling Companion, as defined, cancels his or her Trip for a reason covered by Travel Insurance Select, you are protected in two ways:

1. If you decide to take your Trip, the plan will cover any occupancy upgrade charges which you might incur; or
2. If you decide not to take your Trip, your cancellation penalties will be covered by the plan.

See the Travel Insurance Select Certificate for complete details about this benefit.

A: Yes, you may insure the days you are traveling on your own. Include the prepaid expenses for this part of your Trip in the Trip Cost you list on your Enrollment Form. Also, be sure to include these dates when you enter your departure and return dates.

A: Yes, you may buy the insurance for any of your trips. Insurance company does not require that you travel with an organized tour to buy this plan.

A: You should call the Program Administrator, TripMate at 800-996-5378 (8 a.m. – 5 p.m. Central Time), for answers to more specific questions. Please remember, if you pay for the plan within 15 days of your initial deposit for your trip and you are not disabled from travel at the time you pay your premium, the exclusion for Pre-Existing Conditions is waived and does not apply. See the Travel Insurance Certificate for complete details about Pre-Existing Conditions.

A: Travel Insurance Select covers Pre-Departure Trip Cancellation or Post-Departure Trip Interruption due to Financial Insolvency (as defined in the policy) of an airline, cruise line or tour operator provided:

1. the Financial Insolvency is not of the person, organization or firm from whom you directly purchased or paid for your Trip;
2. the Financial Insolvency occurs more than 15 days following your effective date for the Pre-Departure Trip Cancellation Benefits; and
3. your enrollment form and your premium payment is received (or, if mailed, is postmarked) within 15 days of the date your initial Trip deposit is received.

A: Travel Insurance Select allows you to cancel or interrupt your Trip due to terrorist attacks, subject to the following conditions:

The Terrorist Act must occur in your departure city or in a city which is a scheduled destination for your Trip, provided:

1. the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Trip; and
2. your enrollment form and your premium payment is received (or, if mailed, is postmarked) with your initial deposit/payment within 15 days of the date your initial Trip deposit is received.

A: Travel Insurance Select provides coverage up to $50,000 for medical expenses resulting from an illness or injury during your Trip. Insurance company even covers medical expenses for up to 1 year after your injury or illness. If you must be medically evacuated to another facility or home, these costs are covered as well. If you purchase the optional Select Plus, your total Medical Expense benefit is increased to $100,000 and the Emergency Medical Evacuation and Repatriation benefits are to $1,000,000. See the Travel Insurance Certificate for complete details of this coverage.

A: No, Travel Insurance Select is a package policy and individual benefits cannot be separately purchased.

A: If you become sick or injured or need any of the assistance services listed on the Travel Insurance Certificate, call the ON CALL Assistance Network, available 24 hours a day. When calling, refer to Plan Number 801.

• From within the United States and Canada, call toll free: 1-800-555-9095
• From outside the U.S. and Canada, call collect: 1-603-894-4710 ^*

* You will need to enter the International Access Code of the country from where you place the call before dialing this number.

A: As soon as possible, file your claim directly with Travel Insurance Select's Program Administrator:

TripMate
9225 Ward Parkway
2nd Floor
Kansas City, Missouri 64114

You may: Report Your Claim Online at Trip Mate's Web site, or Call Trip Mate at 800-996-5378 (8 a.m. – 5 p.m. Central Time).

When reporting your claim, refer to Plan Number 801.

A: In the event of a Medical or Dental Expense:
You must provide Trip Mate with all bills and reports for medical and/or dental expenses claimed; you must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance; and you must sign a patient authorization to release any information required by Trip Mate, to investigate your claim.

In case of loss, theft or damage to Baggage and Personal Effects:
You should immediately report the situation to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; take reasonable steps to protect your Baggage from further damage; and make necessary, reasonable and temporary repairs. Trip Mate will reimburse you for these expenses up to the amount in the schedule. Trip Mate will not pay for further damage if you fail to protect your Baggage.

A: Your correction needs to be submitted in writing. Simply send us any corrections in writing by email, fax or mail and we will confirm the changes. Please include a daytime phone number and your Confirmation Number.

Email:
Fax: (972) 767-4470
Mail to:
Insubuy^®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093

A: Yes, you can increase the Trip Cost you are insuring to include these costs, and you may need to act quickly. If you are already eligible for the early-purchase benefits, including the Pre-Existing Conditions Exclusion waiver, you must purchase the additional coverage within 15 days after paying for the new travel arrangements to continue your eligibility.

Notify Travel Insurance Services in writing by email, fax or mail of the new travel arrangements you want to insure and include the additional insurance premium. Please include a daytime phone number and your Confirmation Number.