If you are at least 14 days old and traveling outside your Home Country, you are eligible to purchase Triptime Insurance. There is no upper age limit, however only lower limits are available to individuals over age 69. Triptime Insurance is available to members of FTMA. If you are not already a member, you may join when you purchase Triptime.
Triptime coverage ends on the earlier of the following: 1) The date and time indicated on your Registered Trip Confirmation; or 2) The moment you return to yourHome Country (except as provided under Home Country Coverage); or 3) 11:59 pm on the last day of fully paid Triptime Days; or 4) The date you no longer meet the Eligibility requirements set forth in the Master Policy.
Yes. You may be required to pay a non-refundable administrative fee of up to $15.00 when you purchase Triptime Top-Up Days.
If I cancel my Certificate prior to the first day of my Certificate Period, will I receive a full refund of my premium?
If I cancel my Certificate during my Certificate Period, will I receive a full refund of my premium?
If I decide not to renew my Certificate, will I receive a refund for my unused but paid Triptime Days?
Yes, within 30 days following the last day of your Certificate Period.
No. Only Registered Trips are covered.
You may register your trip at http://my.pointcomfort.com, accessible from your desktop computer or most hand held devices.
No. Triptime insurance is not subject to, and does not provide certain of the insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“ACA”). This insurance does not provide, and Underwriters do not intend to provide, minimum essential coverage under ACA. In no event will Benefits be provided in excess of those specified in the Master Policy. This is short-term limited duration travel insurance that only provides coverage for trips outside the U.S. You should not cancel your ACA insurance while traveling or you may be required to pay a tax penalty. You should consult your attorney or tax professional to determine if ACA's requirements are applicable to you.
Certain Underwriters at Lloyd’s, London.
Triptime MedPack coverage remains in effect while you are in your Home Country under very limited circumstances. Triptime EvacPack, AdventurePack, LifePack and TroublePack provide no coverage while you are in your Home Country.
What are the circumstances under which my Triptime MedPack coverage remains in effect while I’m in my Home Country?
TripTime MedPack coverage remains in effect in your Home Country under the following circumstances:
1) Incidental Trip Home - If you have departed your Home Country on a Registered Trip of 60 days or more, MedPack coverage for the Registered Trip remains in effect for the first 14 days of an Incidental Trip Home. If you remain in your Home Country more than 14 days, all coverage for the Registered Trip automatically terminates at 11:59 pm LST on the 14th day.
2) Benefit Period – If a covered Injury or Illness is first diagnosed and treated while you are on a Registered Trip, MedPack coverage in respect to that Injury or Illness remains in effect for up to 180 days, beginning on the date the Injury or Illness is first treated while outside the your Home Country, subject to a maximum limit of $5,000 per Certificate Period. The $5,000 limit is waived if Point Comfort Underwriters, Inc. evacuates you to your Home Country for a covered Injury or Illness.
The Maximum Benefit is the maximum amount Underwriters will pay for your Eligible Expenses during your Certificate Period. When you apply for Triptime, you will be given the opportunity to select your MedPack Maximum Benefit, ranging from $50,000 to $1,000,000 for individuals age 14 days to 69. If you are age 70 to 79, the only Maximum Benefit offered is $50,000. If you are 80 or older, the only Maximum Benefit offered is $10,000.
Coinsurance is the percentage of Eligible Medical Expenses you must pay, in excess of your Deductible. If you incur Eligible Medical Expenses outside the US, you pay no coinsurance. If you incur Eligible Medical Expenses in the US in the Preferred Medical Provider Network (PMP), you pay 10% of the first $5,000 in Eligible Medical Expenses which are in excess of your Deductible. If you incur Eligible Medical Expenses in the US outside of the Preferred Medical Provider Network (PMP), you pay 20% of the first $5,000 in Eligible Medical Expenses which are in excess of your Deductible.
The PMP Network is a network of hospitals, doctors and other medical facilities who have agreed to provide services at pre-agreed rates. A list of these providers can be found in www.triptimeinsurance.com/pmp
Certain expenses must always be pre-certified. These are:
To comply with the Pre-certification requirements, you must:
1. Contact PCU at the telephone number indicated on your Identification Card as soon as possible before the expense is to be incurred; and
2. Comply with the instructions of PCU and submit any information or documents they require; and
If you do not comply with the Pre-certification requirements or if the expenses are not Pre-certified:
1. Eligible Expenses will be reduced by 50%; and
2. The Deductible and any applicable Coinsurance will be subtracted from the remaining amount.
You should always refer to your Certificate for a complete description of coverage. Generally the following expenses are covered: Inpatient and Outpatient care (including Hospital charges, outpatient facility charges, diagnostic x-ray and laboratory charges, and charges for professional services including Surgery), Prescription Drugs (30 day supply), Physical Therapy (10 visits, subject to a maximum of $50 per visit), Local Ambulance (up to $5,000), Emergency Room treatment (additional Deductible of $250 applies if Emergency Room treatment of an Illness does not result in Inpatient hospitalization), Emergency dental treatment needed to repair or replace sound, natural teeth lost or damaged in a covered Accident, Emergency dental treatment for sudden onset of acute pain (maximum of $100, and only for Registered Trips of 30 days or longer), and Hospital daily indemnity of $100 per night of Inpatient hospitalization (maximum of 10 nights).
No. Pre-existing Conditions are not covered except in very limited circumstances.
If I am pregnant, are medical expenses related to my Pregnancy and/or Newborn covered under MedPack?
No. Diagnosis or treatment of all forms of cancer / neoplasm is excluded.
You should always refer to your Certificate for a complete list of MedPack Exclusions. You can access your Certificate at http://my.pointcomfort.com using your desktop computer or most hand held devices.
Emergency Medical Evacuation, Emergency Reunion, Repatriation of Mortal Remains or Cremation/Burial, Return of Minor Child(ren) and Trip Interruption benefits are included in EvacPack.
No. EvacPack is optional.
Up to $500,000 per Certificate Period, subject to the following:
- The Maximum Limit for individuals age 65 to 79 is $50,000.
- No EvacPack coverage is provided for individuals age 80 or older.
- The Maximum Limit in respect to an Acute Onset of Pre-existing Condition is $10,000.
1. Emergency air transportation to a suitable airport nearest to the Hospital where you will receive treatment; and 2. Emergency ground transportation necessarily preceding Emergency air transportation and from the destination airport to the Hospital where you will receive treatment; and 3. The cost of an economy one-way air and/or ground transportation ticket for you from the area where the you were hospitalized following an Emergency Medical Evacuation to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.
Does my Illness or Injury have to be covered under MedPack in order to have coverage under EvacPack?
- Medically Necessary treatment, services and supplies cannot be provided locally; and
- transportation by any other method would result in loss of your life or limb; and
- Emergency Medical Evaluation must be recommended by the attending Physician who certifies to the above; and
- Emergency Medical Evacuation must be agreed upon by the you or a Relative of yours; and
- the condition giving rise to the Emergency Medical Evacuation must have occurred spontaneously and without advance warning, either in the form of Physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the onset of the Emergency.
Yes. You must obtain advance approval from PCU. You can do so by calling PCU on the number indicated on your Identification Card.
No coverage is provided for Emergency Medical Evacuations that are not approved in advance and arranged by PCU?
Subsequent to a covered Emergency Medical Evacuation, the following expenses are covered: 1. The cost of an economy round-trip air or ground transportation ticket for one of your Relatives for transportation to the terminal serving the area where you are hospitalized or to be hospitalized; and 2. Reasonable expenses for lodging and meals for your Relative, which are incurred in the area where you are hospitalized for a period not to exceed fifteen (15) days.
Yes. You must obtain advance approval from PCU. You can do so by calling PCU on the number indicated on your Identification Card.
No coverage is provided for Emergency Reunions that are not approved in advance and arranged by PCU?
Up to $50,000 per Certificate Period for Repatriation; alternatively, $5,000 for local Burial or Cremation expenses.
1. Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest to your Principal Residence; and
2. Reasonable costs of preparation of the remains necessary for transportation; or
3. In lieu of 1. and 2. above, Underwriters will pay the reasonable expenses of Local Burial or Cremation.
Am I covered for Repatriation of Mortal Remains or Cremation/Burial expenses if my death is the result of an Injury or Illness that is not covered under MedPack?
Yes. Advance approval must be obtained by calling PCU on the number indicated on your Identification Card.
No coverage is provided for Repatriation of Mortal Remains or Cremation/Burial that is not approved in advance and arranged by PCU?
Am I covered for Repatriation of Mortal Remains or Cremation/Burial expenses if my death occurs in my Home Country?
- The cost of an economy one way air or ground transportation ticket for each minor child (under age 17) traveling with you, for transportation to the terminal serving the area where the minor child(ren) permanently reside(s); and
- A chaperone, if necessary for the safety of the minor child(ren).
No coverage is provided for Return of Minor Child(ren) that is not approved in advance and arranged by PCU?
Participation in most sports and athletic activities is not covered unless you purchase the AdventurePack.
If you plan to participate in sports or athletic activities during your trip, you should purchase AdventurePack. AdventurePack provides MedPack and EvacPack benefits for Injuries resulting from your participation in many sports and athletic activities, subject to the following limits:
- Under age 49 – up to $50,000 lifetime benefit
- Age 50 to 59 – up to $25,000 lifetime benefit
- Age 60 to 64 – up to $10,000 lifetime benefit
- Age 65 or older – No benefit
Abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating (with helmuts and pads), jet skiing, zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4,500 meters), scuba diving (to 50 meters), skydiving, snowboarding, snow mobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, windsurfing.
LifePack includes Accidental Death and Dismemberment benefits.
When you apply for TripTime, you will be given the opportunity to select your LifePack limit from the following options:
|Accidental Dismemberment –Two or more Limbs/Eyes||100% of the Accidental Death Lump Sum Benefit|
|Accidental Dismemberment –One Limb or Eye||50% of the Accidental Death Lump Sum Benefit|
|Family Maximum||$250,000 per Certificate Period|
Your Beneficiary is the individual you designate on your Triptime Application. If no Beneficiary is designated, your Beneficiary is your legal spouse. If you have no legal spouse, your Beneficiary is your child(ren) equally. If you have no legal spouse or child(ren), your Beneficiary is your estate.
No. LifePack is optional.
Crisis management expenses which are amounts paid to the Crisis Management Consultant, and certain extra expenses you incur during a covered crisis.
When you apply for Triptime, you will be given the opportunity to select either $150,000 or $250,000 as your TroublePack limit. The limit for extra expenses is automatically 10% of your TroublePack limit?
The following expenses which are incurred during a Crisis Coverage Period are covered: Emergency Political Evacuation Costs, b) Legal expenses, c) fees and expenses of an independent interpreter, d) costs of relocation travel and accommodation; e) fees and expenses of security guards temporarily retained for the purpose of protecting you while you are located in the country where an Insured Event has occurred.
Is my crisis covered if I do not notify PCU and cooperate fully with the Crisis Management Consultant?
You must notify PCU of your claim. You can do so using the following contact information:
Via Mail:Point Comfort Underwriters, Inc.Claims Department212 W. 10th Street, #C400Indianapolis, IN 46202 USA
Via web: http://my.pointcomfort.com
VIA telephone: US Toll Free 1-844-210-2010
From Outside the US, Collect at +1-317-210-2010
Yes. You are required to submit a completed Claim Form, all invoices and paid receipts, and any additional documents PCU may request.
Yes. All claims must be filed within 60 days of the date the expense is incurred.
Yes. You can appeal a denied claim within 90 days of the date the claim is denied. Appeals must be submitted to PCU in writing with full details of the reason for the appeal and all supporting documentation.
Complaints, if any, should be addressed in writing to PCU. A written response will be provided to you within fourteen (14) days. If you are not satisfied with the response, you may ask the Market Assistance Department at Lloyd’s to review their complaint, without prejudice to your rights in law. Should the foregoing prove unsatisfactory, you are entitled to contact the Financial Ombudsman Services (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR.
There has been an error.
We apologize for any inconvenience, please return to the home page or use the search form below.