Triptime Highlights

Triptime Insurance Highlights

(The following information includes a summary of certain provisions of the Triptime Insurance plan. You should always review the Certificate for a complete description of all terms and conditions. A sample Certificate can be accessed here)

You’ve made your airline reservations, you’ve selected your hotel, you’ve put your dog in the kennel, and you’ve forwarded your mail. Your international trip is just around the corner. Now it’s time to consider the risks you will face during your journey and select an insurance plan that meets your needs. It’s Triptime.

SERVICE the PCU Way

Point Comfort Underwriters is pleased to provide state of the art services to all Triptime travelers. With over 100 years of combined experience, our dedicated staff, located in the international insurance center of Indianapolis, Indiana, is ready to serve you any time, day or night.

But we also understand that you may prefer the convenience of self service. That’s why we empower all Triptime customers with their own personal travel insurance portal where most routine service needs can be handled. And, you can purchase coverage for subsequent trips from myPointComfort.com with just a click.

While we hope your trip is safe and productive, we know that bad things can happen to good people. PCU’s emergency assistance personnel are of the most experienced in the international insurance industry at coordinating emergency medical services and international treatment. And our claims administrators process claims from all over the world, in any language or currency.

Eligibility
Triptime is available to individuals whoclimber are at least 14 days old. There is no upper age limit, however maximum limits available reduce at age 70 and again at age 80. (See Schedule of Benefits and Limits for additional details).

Initial Application and Purchase
Application and purchase of Triptime is easy. Simply click “Get a Quote” to see the various plans and benefits available to you. Once you decide which plan is right for you, complete the purchase process by entering your personal details, travel plans and payment information (we accept Paypal, Mastercard, Visa or American Express). You will then be directed to my.pointcomfort.com, where you can access and download your Certificate of Insurance, Registered Trip Confirmation and Identification Card.

Subsequent Trips
Your Triptime plan covers you for all Registered Trips you complete during the 12 month Certificate Period. You can register your trips easily at my.pointcomfort.com. Only fully paid Triptime Days can be used to cover you during a Registered Trip. Each time you register a trip, a new Registered Trip Confirmation and Identification Card will be issued and available for download from my.pointcomfort.com.

Large Group CSV Upload
Have a Large Group?  Try the simple to use CSV upload tool.  Fill out the sample file from the purchase path with the groups pertinent information and upload!

Effective Date and Termination Date
The Effective Date of coverage for any Registered Trip is the later of a) the date you request; or b) the date you depart your Home Country. The Termination Date of coverage for any Registered Trip is the earlier of a) the date you request, b) the date you return to your Home Country, or c) midnight on the last day of fully paid Triptime Days. All Triptime Days must be used consecutively during a Registered Trip.

Home Country Coverage
Triptime MedPack allows for coverage in your Home Country under limited circumstances. If you take a Registered Trip of 60 days or more, your MedPack coverage remains in effect during the first 14 days of an Incidental Visit Home. If you are diagnosed or treated for a covered Illness or Injury while abroad, MedPack coverage remains in effect for that condition only for up to 180 days, subject to a maximum of $5,000. (This limit is waived if PCU evacuates you to your Home Country for a covered Injury or Illness.)

MedPack Benefits and Limits

Maximum Limits Options: $50,000, $100,000, $250,000,  $500,000 or $1,000,000 per Insured Person per Certificate Period, subject to the following:
1. The Maximum Limit for Individuals age 70 to 79 is $50,000; and  2. The Maximum Limit for individuals age 80 or older is $10,000.
Individual Deductible Options: $0, $100, $250, $500, $1,000 or $2,500 per Insured Person per Registered Trip
Coinsurance – for treatment
received outside the US & Canada
No Coinsurance
Coinsurance – for treatment
received within the US & Canada
In PMP Network – the plan pays 90%  of Eligible MedPack Expenses up to $5,000; then 100% up to the Maximum Limit
Out of PMP Network – the plan pays 80% of Eligible MedPack Expenses up to $5,000; then 100% up to the Maximum Limit. (PMP means Preferred Medical Provider)
Inpatient and Outpatient care This includes Hospital charges, outpatient facility charges, diagnostic x-ray and laboratory charges and charges for professional services and supplies 100% of Usual, Reasonable and Customary charges, up to the Maximum Limit (Hospital room and board limited to average semi-private or ward rate)
Prescription Drugs Usual, Reasonable and Customary charges, up to the Maximum Limit (30 day supply limit)
Physical Therapy Up to $50 per visit, maximum 10 visits per Certificate Period
Local Ambulance Up to $5,000 per Certificate Period
Emergency Room Injury due to Accident – Up to the Maximum Limit.
Illness with Inpatient admission – Up to the Maximum Limit.
Illness without Inpatient admission – Up to the Maximum Limit with additional Deductible of $250
Dental Injury due to Accident – Up to the  Maximum Limit
Dental – Sudden Onset of Acute Pain Up to $100 for Registered Trips of 30 days or more.
Hospital Daily Indemnity $100 per night of Inpatient hospitalization
up to a maximum of 10 nights per
Certificate Period, for US citizens only.
Acute Onset of Pre-existing Condition
(for US Citizens only)
Up to age 65 – Usual, Reasonable and Customary up to the Maximum Limit if Insured Person has Primary Insurance;
Up to age 65 – Usual, Reasonable and
Customary up to $20,000 lifetime limit if the Insured Person does not have Primary Insurance.
Age 65+ - Usual, Reasonable and Customary up to $2,500 lifetime limit.

EvacPack Benefits and Limits

Emergency Medical Evacuation Maximum Limit
All EvacPack Benefits must be approved in advance and arranged by the Plan Administrator. Failure to obtain advance approval will result in forfeiture of Benefits. (Optional)
Up to $500,000 per Insured Person per Certificate Period, subject to the following:
1. The Maximum Limit for individuals age 65 to 79 is $50,000.
2. No coverage is provided for individuals age 80 or older.
3. The Maximum Limit in respect to an Acute Onset of a Pre-existing Condition is $10,000.
Emergency Reunion
Maximum Limit
Up to $50,000 per Insured Person per Certificate Period
Repatriation of Mortal Remains or Cremation/Burial Maximum Limit Up to $50,000 per Insured Person per Certificate Period for Repatriation of Mortal Remains, or $5,000 for Local Cremation/Burial
Return of Minor Child(ren) Up to $5,000 per Insured Person per Certificate Period.
Trip Interruption Up to $5,000 per Insured Person per Certificate Period.

AdventurePack Benefits and Limits

Maximum Limit for MedPack and EvacPack Benefits for claims due to Adventure Sports
Age Lifetime Maximum
0-49 $50,000
50-59 $25,000
60-64 $10,000
65+ Not Available
Adventure Sports Included
Abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating (with helmets 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 Benefits and Limits (Optional)

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

TroublePack Benefits and Limits (Optional)

Crisis Management $150,000 or $250,000
Extra Expenses including
Legal, Political Evacuation,
Security, Translation, Re-location
10% of the Crisis Management Limit
Insured Event Wrongful Detention, Kidnapping, Blackmail and Extortion, Political Threat, Disappearance, Hijack, Act of Terrorism, Violent Crime

 

Triptime Insurance Exclusions

The following is a partial list of expenses that are not covered under Triptime Insurance. Other conditions and restrictions may apply to your claim. You should review your Certificate of Insurance for a complete list of exclusions and all terms, conditions, provisions and restrictions.

Exclusions Applicable to All Parts

1. Charges of any nature resulting from or occurring during the commission of a violation of law by the Insured Person, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
2. Charges of any nature incurred in the Insured Person’s Home Country, except MedPack expenses incurred during a Benefit Period or covered Incidental Trip Home.
3. Charges of any nature resulting directly or indirectly from the use of any biological, chemical, non-medical radioactive or non-medical nuclear agent, material, device or weapon.
4. Charges of any nature resulting from or occurring during the Insured Person’s direct or indirect involvement in any war, Act of Terrorism, strike, riot or civil commotion or while the Insured Person is a member of any military or para-military.
5. Notwithstanding number 4. of this provision, charges of any nature resulting from the following are excluded:
a. war, whether declared or not, between any of the following countries: China, France, the United Kingdom, the Russian Federation and the United States of America; or
b. war in Europe, whether declared or not, other than: civil war or any enforcement action by or on behalf of the United Nations, in which any 
of the countries stated in (a) above or any armed forces thereof are engaged.
6. Charges of any nature sustained when the Insured Person has entered and/or unreasonably failed or refused to depart a country within forty-eight (48) hours of the time an evacuation order has been issued by the Insured Person’s Home Country.
7. Charges of any nature which are not presented to Underwriters for payment within 60 days of the date the charge is incurred.
8. Charges of any nature and any claim (including Accidental Death and/or Accidental Dismemberment claims) resulting from self-inflicted Injury or Illness and/or suicide or attempted suicide whether sane or insane.
9. No Underwriter shall be deemed to provide cover and no Underwriter shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that Underwriter to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

Exclusions Applicable to Parts II (MedPack), III (EvacPack) and IV (AdventurePack)

1. Pre-existing Conditions, except for an Acute Onset of a Pre-existing Condition suffered by a US citizen.
2. Diagnosis or treatment of all forms of cancer / neoplasm.
3. All charges related to Pregnancy, including but not limited to pre-natal care, Delivery, and post natal care, and care of Newborns.
4. Treatment related to birth defects and congenital Illnesses. Birth defects are deemed to include hereditary conditions.
5. Any drug, treatment or procedure that either promotes or prevents conception including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal of sterilization.
6. Any drug, treatment or procedure that either promotes, enhances or corrects impotency or sexual dysfunction.
7. Abortions, except to save the life of the mother.
8. All expenses of any cryogenic preservation and implantation or re-implantation of living cells.
9. Organ or tissue transplants or related services.
10. Treatment for acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, hypertrophic and atrophic conditions of skin, nevus.
11. The following care, treatment or supplies for the feet: orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.
12. Charges for treatment of Mental Health Disorders.
13. Dental Treatment, except for Dental Treatment necessary to restore sound natural teeth lost or damaged in a covered Accident.
14. All MedPack and EvacPack Benefits are excluded, unless the Insured Person has purchased and is covered under AdventurePack, with respect to Accidents occurring while the Insured Person is participating in any of the following:
a. Contact Sports, intercollegiate, interscholastic, intramural, and club Amateur Athletics sports or athletic activities and Professional Sports. Non-contact and non-organized/non-sanctioned Amateur Athletics or athletic activities engaged in solely for leisure, recreational, entertainment or fitness purposes are not excluded unless they are excluded by (b) through (c) of this provision; and
b. Any one or combination of the following: Abseiling, BMX, bobsledding, bungee
jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning,
inline skating (with helmets 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; and
c. Any other sport or activity which is undertaken for thrill seeking and exposes the individual to abnormal risk of Injury.
15. Weight modification or Surgical treatment of obesity, including but not limited to wiring of the teeth and all forms of intestinal bypass Surgery.
16. Modifications of the physical body intended to improve psychological, mental or emotional well-being, including but not limited to sex-change Surgery.
17. Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants, dentures or dental appliances and any examination or fitting related to these devices.
18. Orthoptics, visual eye training and eye Surgery, such as radial keratotomy, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.
19. Treatment of the temporomandibular joint.
20. Diagnosis or treatment of venereal disease, including all Sexually Transmitted Diseases and conditions.
21. Routine Physical Exams and treatment, including but not limited to vaccinations, immunizations, annual check-ups, the issue of medical certificates and attestations, and examinations as to the suitability of employment or travel.
22. Treatment by a chiropractor.
23. Medical treatment for Substance Abuse or addiction or conditions that may be attributed to Substance Abuse or addictions and direct consequences thereof.
24. Treatment of Insured Persons who are HIV+, have AIDS or ARC, and all diseases caused by and/or related to HIV.
25. Charges for treatment of any condition(s) when the purpose of departing the Home Country was to obtain treatment in the Host Country(ies).
26. Treatment, services or supplies that are not Medically Necessary and administered by or under the supervision of a Physician, and products that can be purchased without a Physician’s prescription.
27. Treatment, services or supplies provided at no cost to the Insured Person and any treatment, services or supplies performed or provided by a Relative of the Insured Person or any person who ordinarily resides with the Insured Person.
28. Telephone consultations or failure to keep a scheduled appointment.
29. Surgeries, treatments, services or supplies that are Investigational, Experimental or for Research Purposes.
30. Charges incurred while confined primarily to receive custodial care, Educational or Rehabilitative care, or any medical treatment in any establishment for the care of the aged.
31. Surgeries, treatments, services or supplies for cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is directly related to and follows Surgery which was covered hereunder.
32. Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinestherapy.
33. Services, supplies, or treatment for hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed by a Physician.
34. Exercise programs, whether or not prescribed or recommended by a Physician.
35. Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
36. Charges for travel or accommodation, except for Local Ambulance as provided for in MedPack, the EvacPack Benefits and as specified in TroublePack Extra Expenses.
37. Charges which exceed the Usual, Reasonable and Customary charge for the service or supply provided.
38. Charges for any supply or service that is not Medically Necessary.

Exclusions Applicable to Parts II (MedPack), III (EvacPack), IV (AdventurePack) and V (LifePack)

1. Injury and/or Accidental Death and/or Accidental Dismemberment sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse.

Exclusion Applicable to Parts III(EvacPack) and VI (TroublePack)

1. All expenses not approved or arranged in advance by Underwriters.

Exclusions Applicable to Part VI (TroublePack)

1. In respect of Wrongful Detention, any actual or alleged violation of the laws of the Host Country or a failure to maintain and possess duly authorised and issued required documents and visas, unless Underwriters determine that such allegations were intentionally false, fraudulent, and malicious and made solely to achieve a political propaganda or coercive effect upon or at the expense of the Insured Person.
2. Any Kidnapping of an Insured Person by a Relative or as a result of a domestic dispute.
3. An Insured Person who has had Kidnap insurance cancelled or declined in the past.
4. Any Kidnapping of an Insured Person who has been Kidnapped in the past.
5. Any Kidnapping, Blackmail or Extortion of an Insured Person within their 
Home Country.
6. The payment of any Ransom.
7. Loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss.
8. Any legal liability of whatsoever nature directly or indirectly caused by or contributed to, by or arising from: a) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
9. No Underwriter shall be deemed to provide cover and no Underwriter shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that Underwriter to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.