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FAQs

Am I eligible to purchase Triptime Travel Medical Insurance?

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.

When does my coverage become effective?

Triptime coverage becomes effective on the latest of the following: 1) The date and time indicated on your Registered Trip Confirmation; or 2) The moment the you depart from your Home Country, provided always that Triptime Days are fully paid and available

When does my coverage terminate?

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.

Is there a limit to the number of Registered Trips I can take during my Certificate Period?

There is no limit to the number of Registered Trips you may take; however you may not be covered for more than 364 Triptime Days during any Certificate Period.

Is there a minimum number of Triptime Days I am required to purchase?

No, there is no minimum number of Triptime Days you are required to purchase. However, Triptime Top-Up Days are subject to a minimum purchase of 5 days.

Am I required to pay any Fees in addition to my premium?

Yes. You may be required to pay a non-refundable administrative fee of up to $15.00 when you purchase Triptime Top-Up Days.

When are premiums due and payable?

Payment of the required initial premium is due and payable on or before the first day of any Certificate Period. Payment of the required premium for Top-Up Days is due and payable at the time the Top-Up days are added to any Registered Trips.

If I cancel my Certificate prior to the first day of my Certificate Period, will I receive a full refund of my premium?

Yes.

If I cancel my Certificate during my Certificate Period, will I receive a full refund of my premium?

Premiums for all unused Triptime Days in excess of 5 Triptime Days will be refunded in full within 30 days following the Certificate cancellation date.

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.

Am I covered for a trip if I do not Register that trip?

No. Only Registered Trips are covered.

How do I register my trip?

You may register your trip at  http://my.pointcomfort.com, accessible from your desktop computer or most hand held devices.

Is Triptime insurance ACA Compliant?

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.

Who insures the Triptime plan?

Certain Underwriters at Lloyd’s, London.

Am I covered in my Home Country?

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.

What is the Maximum Benefit for medical expenses?

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.

What is the Deductible for medical expenses?

The Deductible is the amount of money you must first pay for Eligible Expenses before Underwriters are required to pay any benefits. When you apply for Triptime, you will be given the opportunity to select your MedPack Deductible, ranging from $0 to $2,500 per Registered Trip.

What is coinsurance?

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.

What is a PMP Network?

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

Am I required to obtain services from a PMP?

No. If you are receiving care in the US, and you use a PMP provider, your coinsurance is 10% of the next $5,000 of Eligible Expenses after the Deductible. If you do not use a PMP provider, your coinsurance is 20% of the next $5,000 of Eligible Expenses after the Deductible.

Am I required to Pre-certify medical expenses?

Certain expenses must always be pre-certified. These are:

  1. Inpatient care; and
  2. Any Surgery or Surgical Procedure; and
  3. Care in an Extended Care Facility; and
  4. Home Nursing Care; and
  5. Durable Medical Equipment; and
  6. Artificial limbs; and
  7. Computerized Tomography (CAT Scan); and
  8. Magnetic Resonance Imaging (MRI).

How do I Pre-certify a medical expense?

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

3.Notify all Physicians, Hospitals and other Medical Providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with PCU.

Is there a penalty if I do not Pre-certify a medical expense?

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.

In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as is reasonably possible but no later than one week thereafter.

What medical expenses are included in MedPack?

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).

Is my Pre-existing Condition covered under MedPack?

No. Pre-existing Conditions are not covered except in very limited circumstances.

Under what circumstances will my Pre-existing Condition be covered under Medpack?

An Acute Onset of Pre-existing Condition is covered but subject to the following limits:

Under age 65 – Up to the Maximum Limit if you have Primary Insurance; up to $20,000 if you do not have Primary Insurance.

Age 65+ - Up to $2,500 lifetime limit.

If I am pregnant, are medical expenses related to my Pregnancy and/or Newborn covered under MedPack?

No.   All charges related to Pregnancy, including but not limited to pre-natal care, Delivery, and post natal care, and care of Newborns is excluded.

Is any form of birth control covered?

No.

Is diagnosis or treatment of cancer covered?

No. Diagnosis or treatment of all forms of cancer / neoplasm is excluded.

Are expenses for treatment of Mental Health Disorders covered?

No.

Where can I find a list of all MedPack Exclusions?

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.

What benefits are included in the EvacPack?

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.

Am I required to purchase EvacPack?

No. EvacPack is optional.

What is the Maximum Limit for Emergency Medical Evacuation?

Up to $500,000 per Certificate Period, subject to the following:

  1. The Maximum Limit for individuals age 65 to 79 is $50,000.
  2. No EvacPack coverage is provided for individuals age 80 or older.
  3. The Maximum Limit in respect to an Acute Onset of Pre-existing Condition is $10,000.

What Emergency Medical Evacuation expenses are covered under EvacPack?

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?

Yes.

What conditions must be met before Underwriters will pay Emergency Medical Evacuation Expenses?

  1. Medically Necessary treatment, services and supplies cannot be provided locally; and
  2. transportation by any other method would result in loss of your life or limb; and
  3. Emergency Medical Evaluation must be recommended by the attending Physician who certifies to the above; and
  4. Emergency Medical Evacuation must be agreed upon by the you or a Relative of yours; and
  5. 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.

Can I choose the destination of my Emergency Medical Evacuation?

No. Underwriters will provide Emergency Medical Evacuation only to the nearest Hospital that is qualified to provide the Medically Necessary treatment, services and supplies to prevent the Insured Person's loss of life or limb.

Do I have to get advance approval for an Emergency Medical Evacuation?

Yes. You must obtain advance approval from PCU. You can do so by calling PCU on the number indicated on your Identification Card.

What if I do not obtain advance approval for an Emergency Medical Evacuation?

No coverage is provided for Emergency Medical Evacuations that are not approved in advance and arranged by PCU?

What is the Maximum Limit for Emergency Reunion Expenses?

$50,000 per Certificate Period.

What Emergency Reunion expenses are covered under EvacPack?

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.

Do I have to get advance approval for an Emergency Reunion?

Yes. You must obtain advance approval from PCU. You can do so by calling PCU on the number indicated on your Identification Card.

What if I do not obtain advance approval for an Emergency Reunion?

No coverage is provided for Emergency Reunions that are not approved in advance and arranged by PCU?

What is the Maximum Limit for Repatriation of Mortal Remains or Cremation/Burial expenses?

Up to $50,000 per Certificate Period for Repatriation; alternatively, $5,000 for local Burial or Cremation expenses.

What Repatriation of Mortal Remains or Cremation/Burial expenses are covered under EvacPack?

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?

No.

Is advance approval required for Repatriation of Mortal Remains or Cremation/Burial?

Yes. Advance approval must be obtained by calling PCU on the number indicated on your Identification Card.

What if I do not obtain advance approval for an Repatriation of Mortal Remains or Cremation/Burial?

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?

No.

What is the Maximum Limit for Return of Minor Child(ren) expenses?

$5,000 per Certificate Period.

What Return of Minor Child(ren) expenses are covered under EvacPack?

  1. 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
  2. A chaperone, if necessary for the safety of the minor child(ren).

What if I do not obtain advance approval for Return of Minor Child(ren)?

No coverage is provided for Return of Minor Child(ren) that is not approved in advance and arranged by PCU?

 

What if I plan to participate in sports during my trip?

Participation in most sports and athletic activities is not covered unless you purchase the AdventurePack.

What are the benefits of 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:

  1. Under age 49 – up to $50,000 lifetime benefit
  2. Age 50 to 59 – up to $25,000 lifetime benefit
  3. Age 60 to 64 – up to $10,000 lifetime benefit
  4. Age 65 or older – No benefit

What sports or athletic activities are covered under AdventurePack?

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.

 

Do I have to purchase EvacPack if I want to purchase Adventurepack?

Yes.

What benefits are included in LifePack?

LifePack includes Accidental Death and Dismemberment benefits.

What are the LifePack maximum limits?

When you apply for TripTime, you will be given the opportunity to select your LifePack limit from the following options:

Accidental Death
Age 18 to 69 $25,000, $50,000 or$100,000 Lump Sum Benefit.
Age 14 days to 17 $5,000
Age 70 to 74 Benefits reduce 50%
Age 75 and older $5,000
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

Who is the Beneficiary of my Accidental Death Benefit?

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.

Am I required to purchase LIfePack?

No.  LifePack is optional.

What benefits are included in TroublePack?

Crisis management expenses which are amounts paid to the Crisis Management Consultant, and certain extra expenses you incur during a covered crisis.

What crisis events are covered under TroublePack?

What are the TroublePack limits?

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?

What extra expenses are covered under TroublePack?

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.

Are Ransoms covered under TroublePack?

No.

Is my crisis covered if I do not notify PCU and cooperate fully with the Crisis Management Consultant?

No.

Am I covered if I travel to a country that is subject to sanctions by the US or UK government?

No.

How do I file a claim under Triptime?

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 Email:Claims@pointcomfort.com

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

 

Am I required to submit any documents when I file my claims?

Yes. You are required to submit a completed Claim Form, all invoices and paid receipts, and any additional documents PCU may request.

Is there a time limit for filing claims?

Yes. All claims must be filed within 60 days of the date the expense is incurred.

Can I appeal the decision on a denied claim?

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.

How can I file a complaint?

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.

 

Q?

Am I eligible to purchase Triptime Travel Insurance?

A.

If you are at least 14 days old and traveling outside your Home Country, you are eligible to purchase Triptime. There is no upper age limit, however only lower benefit-limits are available to individuals over age 65.

Q?

When does my coverage become effective?

A.

Triptime coverage becomes effective on the latest of the following: 1) The date and time indicated on your Certificate; or 2) The moment you depart from your Home Country, provided always that you received written acceptance of your application, your premiums are fully paid, and you’ve not established a permanent residency in your Host Country and have no plans to do so for the duration of your Certificate Period.

Q?

When does my coverage terminate?

A.

Triptime coverage terminates on the earlier of the following: 1) The date and time indicated on your Certificate; or 2) The moment you return to your Home Country (except as provided under Home Country Coverage); or 3) 11:59 pm (EST) on the last day of fully paid premium; or 4) The date you no longer meet the eligibility requirements set forth in the Master Policy.

Q?

Am I required to pay any Fees in addition to my premium?

A.

No.

Q?

When are premiums due and payable?

A.

Payment of the required premium is due and payable on or before the first day of your Certificate Period.

Q?

If I cancel my Certificate during my Certificate Period, will I receive a full refund of my premium?

A.

If you notify PCU in advance in writing, and if no claims have been filed, the premium attributable to the unused days will be refunded, after deduction of an administration fee of $50. If you have filed claims, no refund will be made.

Q?

If I cancel my Certificate prior to the first day of my Certificate Period, will I receive a full refund of my premium?

A.

Yes.  No administration fee will be charged

Q?

Is Triptime Travel Insurance ACA Compliant?

A.

No. Triptime is not subject to and does not provide certain of the insurance benefits required by the US Patient Protection and Affordable Care Act. Triptime 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. You should consult your attorney or tax professional to determine if ACA’s requirements are applicable to you.

Q?

Who insures the Triptime Travel Insurance plan?

A.

Certain Underwriters at Lloyd’s, London.

Q?

What are the circumstances under which my Triptime Medical coverage remains in effect while I’m in my Home Country?

A.

If you have purchased Triptime insurance starting with coverage for your destination, Triptime Medical 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 trip of 90 days or more, Medical coverage 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 automatically terminates at 11:59 pm EST on the 14th day.
2)  Benefit Period – If a covered Injury or Illness is first diagnosed and treated while you are on a trip, Medical coverage in respect to that Injury or Illness remains in effect for up to 180 days, beginning on the date the Injury or Illness was first treated while outside your Home Country, subject to a maximum limit of $5,000 per Certificate Period. The $5,000 limit is waived if PCU evacuates you to your Home Country for a covered Injury or Illness.

Q?

Am I covered in my Home Country?

A.

Home Country claims are always subject to 80/20 Coinsurance.

Q?

What is the Maximum Benefit for Medical coverage?

A.

The Maximum Benefit is the maximum amount Underwriters will pay for your Eligible Medical Expenses during your Certificate Period.

Q?

What is the Deductible for Medical coverage?

A.

The Deductible is the amount of money you must first pay for Eligible Medical Expenses before Underwriters are required to pay benefits

Q?

What is Coinsurance?

A.

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, you pay no Coinsurance . If you incur Eligible Medical Expenses in the US outside of the Preferred Medical Provider Network, you pay 20% of the first $10,000 in Eligible Medical Expenses which are in excess of your Deductible.

Q?

What is a Preferred Medical Provider Network?

A.

The Preferred Medical Provider Network is a network of Hospitals, Physicians and other medical facilities who have agreed to provide services at pre-agreed rates. A list of these providers can be found in the PCyou Personal Portal found at my.pointcomfort.com

Q?

Am I required to obtain services from within the Preferred Medical Provider Network?

A.

No. If you are receiving care in the US, and you use a Preferred Medical Provider Network provider, you have no Coinsurance of Eligible Medical Expenses after the Deductible. If you do not use a Preferred Medical Provider Network provider, your Coinsurance is 20% of the next $10,000 of Eligible Medical Expenses after the Deductible.

Q?

Am I required to Pre-certify medical expenses?

A.

Certain expenses must always be pre-certified. These are:

  1. Inpatient care
  2. Any Surgery or Surgical Procedure
  3. Care in an Extended Care Facility
  4. Home Nursing Care
  5. Durable Medical Equipment
  6. Artificial limbs
  7. Computerized Tomography (CAT Scan)
  8. Magnetic Resonance Imaging (MRI)
  9. Interfacility Ambulance Transfer

Q?

How do I Pre-certify a medical expense?

A.

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
  3. Notify all PhysiciansHospitals and other Medical Providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with PCU.

Q?

Is there a penalty if I do not Pre-certify a medical expense?

A.

Yes. If you do not comply with the Pre-certification requirements or if the expenses are not Pre-certified:

  1. Eligible Medical Expenses will be reduced by 50%; and
  2. The Deductible and any applicable Coinsurance will be subtracted from the remaining amount.

In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as is reasonably possible but no later than one week thereafter.

Q?

What medical expenses are included in Medical coverage?

A.

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), Emergency Room treatment (additional Deductible of $350 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 AccidentEmergency Dental Treatment for Acute Onset of Dental Pain (maximum of $100 for trips of 30 days or longer).

Q?

Is my Pre-existing Condition covered under Triptime ?

A.

No. Pre-existing Conditions are not covered except in very limited circumstances.

Q?

Under what circumstances will my Pre-existing Condition be covered under Triptime?

A.

If you are US citizen, an Acute Onset of Pre-existing Condition is covered subject to the following limits:

Under age 65 – Up to the Maximum Benefit if you have Primary Insurance; up to $20,000 if you do not have Primary Insurance.

Age 65-69 - Up to $2,500 lifetime limit

Age 70+ - No benefit

Q?

If I am pregnant, are medical expenses related to my Pregnancy and/or Newborn covered?

A.

No.   All charges related to pregnancy, including but not limited to pre-natal care, delivery, and post-natal care, and care of Newborns are excluded.

Q?

Is any form of birth control covered?

A.

No.

Q?

Is diagnosis or treatment of cancer covered?

A.

No.

Q?

Are expenses for treatment of Mental Health Disorders covered?

A.

No.

Q?

Where can I find a list of all Exclusions?

A.

You should always refer to your Certificate for a complete list of Exclusions. You can access your Certificate in the PCyou Personal Portal found at my.pointcomfort.com using your desktop computer or most mobile devices.

Q?

What Benefits are included in the Transportation Coverage?

A.

Local Ambulance, Interfacility Ambulance Transfer, Emergency Medical Evacuation, Emergency Reunion, Repatriation of Mortal Remains or Cremation/Burial, Return of Minor Child(ren), Trip Interruption, Natural Disaster Daily Replacement Accommodations, and Political Evacuation and Repatriation benefits are included in Transportation coverage.

Q?

What is the Maximum Benefit for Emergency Medical Evacuation?

A.

$500,000 per Certificate Period, subject to the following:

  1. The Maximum Benefit for individuals age 65 through 79 is $50,000.
  2. No Emergency Medical Evacuation coverage is provided for individuals age 80 or older.

Q?

What Emergency Medical Evacuation expenses are covered?

A.

  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 a covered Emergency Medical Evacuation to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.

Q?

Does my Illness or Injury have to be covered under Medical Coverage in order to have Transportation Coverage?

A.

Yes.

Q?

What conditions must be met before Underwriters will pay Emergency Medical Evacuation expenses?

A.

  1. Medically Necessary treatment, services and supplies cannot be provided locally; and
  2. transportation by any other method would result in loss of your life or limb; and
  3. Emergency Medical Evacuation must be recommended by the attending Physician who certifies to the above; and
  4. Emergency Medical Evacuation must be agreed upon by the you or a Relative of yours; and
  5. 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.
  6. Emergency Medical Evacuation must be approved in advance by PCU.

Q?

Can I choose the destination of my Emergency Medical Evacuation?

A.

No. Underwriters will provide Emergency Medical Evacuation only to the nearest Hospital that is qualified to provide the Medically Necessary treatment, services and supplies to prevent your loss of life or limb.

Q?

Do I have to get advance approval for an Emergency Medical Evacuation?

A.

Yes. You must obtain advance approval from PCU. You can do so by calling PCU on the number indicated on your Identification Card.

Q?

What if I do not obtain advance approval for an Emergency Medical Evacuation?

A.

No coverage is provided for Emergency Medical Evacuations that are not approved in advance and arranged by PCU.

Q?

What is the Maximum Limit for Emergency Reunion expenses?

A.

$50,000 per Certificate Period.

Q?

What Emergency Reunion expenses are covered?

A.

During the course of or subsequent to a covered Emergency Medical Evacuation, if the attending Physician deems it necessary, 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 of up to fifteen (15) days.

Q?

Do I have to get advance approval for an Emergency Reunion?

A.

Yes. You must obtain advance approval from PCU. You can do so by calling PCU on the number indicated on your Identification Card.

Q?

What if I do not obtain advance approval for an Emergency Reunion?

A.

No coverage is provided for Emergency Reunions that are not approved in advance and arranged by PCU?

Q?

What is the Maximum Limit for Repatriation of Mortal Remains or Cremation/Burial expenses?

A.

$50,000 per Certificate Period for Repatriation; alternatively, $5,000 for local Burial or Cremation expenses.

Q?

What Repatriation of Mortal Remains or Cremation/Burial expenses are covered?

A.

  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.

Q?

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?

A.

No.

Q?

Is advance approval required for Repatriation of Mortal Remains or Cremation/Burial benefits?

A.

Yes. Advance approval must be obtained by calling PCU to the number indicated on your Identification Card.

Q?

What Return of Minor Child(ren) expenses are covered?

A.

  1. 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
  2. A chaperone, if necessary for the safety of the minor child(ren).

Q?

What is the Maximum Limit for Return of Minor Child(ren) expenses?

A.

$50,000 per Certificate Period.

Q?

Am I covered for Repatriation of Mortal Remains or Cremation/Burial expenses if my death occurs in my Home Country?

A.

No.

Q?

What if advance approval for a Repatriation of Mortal Remains or Cremation/Burial is not obtained?

A.

No coverage is provided for Repatriation of Mortal Remains or Cremation/Burial that is not approved in advance and arranged by PCU.

Q?

I was hospitalized for a covered Illness and my minor children were returned to our Home Country under the Return of Minor Child(ren) coverage benefit. I’m now recovered, discharged and ready to continue traveling. If I fly my children back to meet me in the Host Country where I got ill, will the airline tickets be covered?

A.

No coverage is provided for any for expenses incurred for a return trip to the original location of the child(ren) at the time of the hospitalization or death of the Insured Person.

Q?

What if I do not obtain advance approval for Return of Minor Child(ren)?

A.

No coverage is provided for Return of Minor Child(ren) that is not approved in advance and arranged by PCU.

Q?

What if I plan to participate in sports during my trip?

A.

Participation in most sports and athletic activities is not covered unless you purchase Adventure Sports Coverage.

Q?

What are the benefits of Adventure Sports coverage?

A.

If you plan to participate in sports or athletic activities during your trip, you should purchase Adventure Sports coverage. Adventure Sports coverage provides Medical and Transportation benefits for Injury resulting from your participation in many sports and athletic activities, subject to the following limits:

  1. Through age 49 – up to $50,000 lifetime Maximum
  2. Age 50 through 59 – up to $25,000 lifetime Maximum
  3. Age 60 through 64 – up to $10,000 lifetime Maximum
  4. Age 65 or older – No benefit

Q?

What sports or athletic activities are covered under Adventure Sports coverage?

A.

Abseiling, BMX, Bob-sledding, Bungee jumping, Canyoning, Caving, Downhill and/or cross-country snow skiing and snowboarding and snowmobiling (provided that such activity is not in any violation of applicable laws, rules or regulations or away from prepared and marked in-bound, patrolled territories or against the advice of the local ski school or local authoritative body), Hot air ballooning, Kitesurfing and Kiteboarding, Mountaineering below 4,500 meters from ground level, Motorcycle riding as a driver or passenger, Zip lining, Parachuting, Paragliding, Parascending, Rappelling, Scuba diving or sub-aqua pursuits at less than depth of 50 meters, Skydiving, Spelunking, Whitewater kayaking or whitewater rafting in water less than Class V difficulty, Wildlife Safaris, Windsurfing.

Q?

Am I covered while riding a motorcycle if I do not purchase Adventure Sports coverage?

A.

No

Q?

What benefits are included in AD&D coverage?

A.

AD&D coverage provides lump-sum benefits in the event of your Accidental Death and/or Dismemberment during the Certificate Period.

Q?

Who is the Beneficiary of my Accidental Death benefit?

A.

If you are age 18 or older, your Beneficiary is automatically as follows: 1. Spouse (if any), 2. Children (if any) equally, 3. your Estate. If you are under age 18 and do not designate a Beneficiary, your Beneficiary is automatically as follows: 1. Custodial parent(s) (if any), 2. Siblings (if any) equally, 3. your Estate. You may change your beneficiary by notifying PCU.

Q?

Do I need to pay extra to secure AD&D coverage?

A.

No. AD&D coverage is included as a part of all Triptime plans.

Q?

What if there’s a Natural Disaster where I’m traveling? Am I covered for that?

A.

Yes. In the event of cancellation of your paid accommodations due to a Natural Disaster, your Triptime plan will cover the cost of replacement accommodations.

Q?

I was forced to find replacement accommodations due to a Natural Disaster evacuation ordered by the governmental authorities in the country I was traveling, but I lost my receipts; will I still be reimbursed?

A.

Reimbursement for replacement accommodation in the event of a Natural Disaster can only be issued with proof of payment, so the answer is no, unless you can produce an alternate proof of payment, like a credit card statement.

Q?

What if there’s a political crisis in the country I’m visiting, and my government orders the evacuation of all non-emergency government personnel? Am I covered?

A.

Yes. As long as there was no Travel Warning in place during the 6 months prior to your visit, your Triptime plan will cover your reasonable expenses to get you to a place of safety, and then home.

Q?

Am I covered if I travel to a country that is subject to sanctions by the US or UK government?

A.

No.

Q?

How do I “Build My Own Plan” with Triptime®?

A.

Click on the “Build Your Own Plan” link on the Triptime® Insurance Home page to be taken to the Application page. Then select from the various Triptime® options listed below:

Medical coverage is part of every Triptime® Insurance plan covering all Eligible Medical Expenses, including Inpatient, Outpatient, labs and prescription drugs and more. Select the Deductible and Maximum Benefit that fits your needs.

Adventure Sports option provides Medical and Transportation benefits while participating in Adventure Sports or activities named in the Certificate.

Personal Equipment and Pet option provides coverage for certain lost or stolen equipment and for pet emergencies.

Triptime - Build Your Own Plan can be selected at our home page: www.triptimeinsurance.com

Q?

What are Triptime Insurance Popular plans?

A.

To simplify the Application process, PCU has created three packaged plans by combining our most popular benefits, limits and options.

Triptime - Anytime Plan 

A low-cost option for budget minded travelers on shorter international trips.

$500 Medical Deductible

$50,000 Maximum

Triptime - Overtime Plan

A moderately priced plan for longer trips and more exotic destinations.

$250 Medical Deductible

$250,000 Maximum

Triptime - Primetime Plan

Our most comprehensive plan, including coverage for adventure sports.

$0 Medical Deductible

$1,000,000 Maximum

$50,000 Adventure Sports

Triptime - packaged plans can be selected at our home page: www.triptimeinsurance.com

Q?

How do I file a claim under Triptime?

A.

You must notify PCU of your claim via mail, email or by telephone.

Via Mail:
Point Comfort Underwriters, Inc.
Claims Department
306 Prospect Street
Indianapolis, IN  46225 USA

Via Email: Claims@pointcomfort.com

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

Q?

Am I required to submit any documents when I file my claims?

A.

Yes. You are required to submit a completed Claimant's Statement and Authorization form, all invoices and original paid receipts, and any additional documents PCU may request. All forms and a “How To” guide for claim submission can be found at my.pointcomfort.com.

Q?

Is there a time limit for filing claims?

A.

Yes. All claims must be filed within 60 days of the date the expense is incurred.

Q?

Can I appeal the decision on a denied claim?

A.

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.

Q?

How can I file a complaint?

A.

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 or the way a complaint has been dealt with you may ask the Complaints Department at Brit Syndicates Limited to review the case without prejudice to you rights in law.

The address is:

Brit Global Specialty Complaints Department

The Leadenhall Building

122 Leadenhall Street

London EC3V 4AB

Email: BGS.Complaints@britinsurance.com

If you are still unsatisfied, you are entitled to contact the Financial Ombudsman Services (FOS), Exchange Tower, London, E14 9SR.

 

Q?

What benefits are included for Lost Checked Luggage?

A.

You can be reimbursed for the cost of contents of Lost Checked Luggage when such luggage was permanently lost in transit by a Common Carrier.

Q?

What are the Conditions and Restrictions for Lost Checked Luggage?

A.

  1. You must submit a copy of the Common Carrier’s claim form and such other documentation as the claims department may reasonably require as proof that your luggage was permanently lost.

  2. The Common Carrier must first reimburse you the full amount that it is legally required to pay for Lost Checked Luggage, and proof of such reimbursement must be provided to Point Comfort Underwriters by you.

  3. Lost Checked Luggage benefits under this insurance will be provided only if and to the extent the amount of your loss suffered as a result of Lost Checked Luggage exceeds the reimbursement by the Common Carrier.

Q?

Is my Personal Equipment covered?

A.

Yes, if you elect to include “Personal Equipment and Pet Option.”

Q?

What benefits are included for Personal Equipment?

A.

You can be reimbursed the Actual Cash Value of your Covered Sports Equipment, Covered Photography Equipment and Covered Electronics and Communication Equipment which are permanently lost while traveling on board a Common Carrier, or are stolen.

Q?

What is considered Covered Electronics and Communication Equipment?

A.

Mobile phones, tablets and laptop computers.

Q?

What is considered Covered Sports Equipment?

A.

Skis, ski boots, ski poles, snowboards, snowboard boots, golf clubs, golf bags and tennis rackets.

Q?

What is considered Covered Photography Equipment?

A.

Camera, camera flash accessories and camera lenses.

Q?

What if my laptop is lost on a flight?

A.

In the event your Covered Personal Equipment is permanently lost while traveling on board a Common Carrier, you must: A. submit a copy of the Common Carrier’s claim form and such other documentation as the claims department may reasonably require as proof that your Covered Personal Equipment was permanently lost; and B. the Common Carrier must first reimburse you the full amount that it is legally required to pay for lost Covered Personal Equipment, and proof of such reimbursement must be provided to Point Comfort Underwriters by you; and C. lost Covered Personal Equipment reimbursements under this insurance will be provided only if and to the extent the Actual Cash Value of the Covered Personal Equipment exceeds the amount of any reimbursement by the Common Carrier.

Q?

What if my laptop is stolen?

A.

In the event your Covered Personal Equipment is stolen, you must submit a formal Police Report, made by authorities with jurisdiction over the location of the theft, and made at the time the theft was discovered by you, which identifies the stolen Covered Personal Equipment and the circumstances surrounding the theft. In the event no Police Report is available, no benefit will be paid.

Q?

How can I prove the cost/worth of my Personal Equipment?

A.

You must submit evidence of the original purchase price and original purchase date of any Covered Personal Property. Covered Personal Property purchased from friends or Relatives, provided to you at no cost, or rented or loaned to you are not covered under this insurance.

Q?

Can my dog be covered? What about my cat?

A.

Yes, if you elect to include the “Personal Equipment and Pet Option.”

Q?

What benefits are available for my pets?

A.

  1. The reasonable cost of Veterinary Emergency Care of the Insured Person’s pet; and

  2. Emergency Kennel expenses in respect to your pet; and

  3. the cost of transportation of your pet to the terminal serving your Principal Residence, in the least expensive manner possible.

Q?

Is my pet monkey covered?

A.

No.

Q?

What pets are covered?

A.

Veterinary Emergency Care benefits are available only in respect to Domestic Dogs or Domestic Cats who are over the age of six (6) months and under the age of ten (10) years; the age must be documented by the pet’s Home Country Vet.

Q?

Does my pet have eligibility requirements?

A.

  1. The pet must be current on all shots required by your Home Country and all Host Countries.

  2. The pet must have a complete veterinary record, prepared by a Vet, showing the pet to be in good health and free of disease as of your Certificate Effective Date.

  3. The pet must have been owned by and resided with you in your Principal Residence for at least thirty (30) days prior to your Certificate Effective Date.

  4. You must submit complete veterinary records for the pet prior to reimbursement of any Veterinary Emergency Care expenses. In the event no such records exist, no Pet Care Expenses will be covered under this insurance.

Q?

Am I covered for trip/flight/cruise cancellation?

A.

No.