Triptime Insurance Highlights
You’ve made your airline reservations, you’ve selected your hotel, you’ve put your dog in the kennel (or maybe bought his airfare, too!), and you’ve forwarded the mail. Your international trip is just around the corner. Now it’s time to consider the risks you will face during your journey and choose an insurance plan that fits your specific needs. And in almost every case, that's actually a really simple choice: it's Triptime®.
SERVICE the PCU® Way
Point Comfort Underwriters® (PCU) is pleased to provide leading edge services to all Triptime® travelers. With over 100 years of combined experience, our dedicated staff, located in the international insurance mecca of Indianapolis, Indiana, is ready to serve you 24/7/365.
We understand the value and convenience of self-service, too, and that’s why we empower all Triptime® customers through my.PointComfort.com, a personal travel insurance portal, where you can handle most routine service needs quickly and easily.
We hope your trip is safe, productive and enjoyable, but hey, we’re an insurance company…we’ve seen bad things happen on even the best trips. PCU’s emergency assistance personnel are some of the best and most experienced in the international insurance industry at coordinating emergency medical services and international treatment. We process claims from all over the world, in any language or currency, and we do it all with friendly, efficient courtesy.
Triptime® is available to individuals who are at least 14 days old, have completed and submitted an application (or be listed by proxy on one), and received an acceptance in writing, have legally departed their Home Country by the Certificate Effective Date, and have not established a permanent residency in their Host Country. There is no upper age limit, however maximum coverage limits are reduced at age 70 and again at age 80.
Application and Purchase
Application and purchase of Triptime® is easy. Select a plan from among our three most popular options – Anytime, Overtime, Primetime or select Build Your Own Plan, and obtain an instant quote. Then simply click the "Buy Now” button to be taken to the Triptime® Application, where you enter your personal data and travel details. PCU accepts PayPal, MasterCard, Visa or American Express. Once you’ve completed the transaction you’ll be directed to my.PointComfort.com, where you can access and download your Certificate and Identification Card. You can purchase up to 365 days of coverage.
Effective Date and Termination Date
The Effective Date of coverage for your 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 your 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 premium. All travel insurance days must be used consecutively.
If you cancel your Certificate after the Effective Date of coverage and have filed no claims, premiums 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.
Incidental Trip Home
If you take a trip 90 days or more covered by Triptime, your Medical Benefits remain in effect during the first 14 days of an Incidental Trip back to your Home Country.
If you are treated for a covered Illness or Injury while abroad, Medical Benefits remain in effect for that condition 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.
If you are not a US citizen or resident all coverage terminates upon return to your Home Country.
Adventure Sports Travel
Adventure Sports make up the fastest growing segment of international travel. Each year more travelers engage in these activities while abroad. A high percentage of these travelers were not properly insured for the risks they took. You can cover your most adventurous activities by adding the Triptime® Adventure Sports rider to your plan.
Triptime® Insurance – Popular Plans
PCU knows that buying travel insurance can be confusing, but not with Triptime® packaged plans.
We have combined our most popular benefits and limits to give you a choice of three plans – Anytime, Primetime and Overtime. A comparison of the three plans can be found below. To obtain a quote, simply provide us with your desired coverage area, travel dates and age. Our system will automatically calculate the total insurance cost for your trip in each of the three different packaged plans. Select a plan that fits your budget and needs, then click the “Let’s Travel” button to proceed to the mobile-friendly Triptime® application. The information you have already entered will automatically populate the same fields on the application. All insurance documents will be sent to the email address you entered, and are also available online at my.PointComfort.com
Triptime® - Build Your Own Plan
Select from a multitude of coverage options, deductibles, and maximum limits to craft the perfect plan for your next trip.
- Medical Benefits are included in every Triptime® Insurance plan, including coverage for inpatient and outpatient services, labs, x-rays, prescription drugs and more.
- Transportation Benefits include coverage for local ambulance, interfacility ambulance transfer, emergency medical evacuation, reunion, trip interruption, repatriation services, political evacuation and repatriation, natural disaster replacement accommodations and more.
- Adventure Sports Benefits include Medical and Transportation benefits while participating in Adventure Sports named in the Certificate (See 23-B in Exclusions, below, for complete list of sports covered by our Adventure Sports rider).
- Other benefits include Accidental Death and Dismemberment, Common Carrier Accidental Death, Hospital Indemnity coverage, Lost Checked Luggage reimbursement, Personal Equipment reimbursement, Emergency Pet Care reimbursement and more.
(The following information includes a summary of certain provisions of Triptime® Insurance. You should always review your Certificate for a complete description of all terms and conditions. A sample Certificate can be accessed here.)
Triptime® Popular Plans
Select the plan that fits your needs...
Popular Plan Options
|Medical Benefits & Limits||Anytime||Overtime||Primetime|
|Inpatient Hospital Stays||✔||✔||✔|
|Labs, X-rays & Prescription Drugs||✔||✔||✔|
|Transportation Benefits & Limits|
|Emergency Medical Evacuation - $500,000||✔||✔||✔|
|Emergency Reunion - $50,000||✔||✔||✔|
|Repatriation - $50,000||✔||✔||✔|
|Return of Minor Child(ren) - $5,000||✔||✔||✔|
|Trip Interruption - $5,000||✔||✔||✔|
|Adventure Sports Benefits & Limits
See Exclusion 23, B (below) for a full listing of covered Adventure Sports)
|No Coverage||No Coverage||$50,000 to age 49
$25,000 50 to 59
$10,000 60 to 59
|AD&D Benefits & Limits|
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 for a complete list of exclusions and all terms, conditions, provisions and restrictions.
- Benefits 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.
- Benefits 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.
- Benefits of any nature for Illness or Injury that takes place in a location, post, area, territory or country for which a Travel Warning or Emergency Travel Advisory was issued or in effect within the six (6) months prior to the Insured Person's date of arrival, or is issued after the Insured Person's arrival, but they fail or refuse to heed the warning and thereafter remains in the location, post, area, territory or country.
- Charges of any nature which are not presented to Underwriters for payment within sixty (60) days of the date the charge is incurred.
- Benefits of any nature if Proof of Claim is not provided to the Plan Administrator within one hundred eighty (180) days of the date the claim is incurred.
- Benefits for which advance approval from Underwriters was not obtained by the Insured Person in accordance with the provisions of this insurance.
- Benefits for services not arranged by the Plan Administrator when required by the provisions of this insurance.
- For treatment of an Illness or Injury for which payment is made or available through a workers compensation law or similar law.
- Benefits of any nature resulting from self-inflicted Injury or Illness and/or suicide or attempted suicide whether sane or insane.
- Benefits for services incurred more than thirty (30) days following the date of onset of Illness or date of Injury unless charges incurred for treatment of the Illness or Injury are incurred within thirty (30) days following the date of onset of Illness or date of Injury.
- Charges and Benefits of any nature resulting from operating or riding in or on, including entering into or onto or alighting from, any on-road or off-road motorized vehicle that is not designed primarily for use on public streets.
- Benefits of any nature resulting from an Insured Person's operation of a motor vehicle without possession of a valid motor vehicle operator’s license, except while participating in driver’s education program.
- Charges and Benefits of any nature resulting from operating or riding in or on, including entering into/onto or alighting from, any 2 or 3-wheeled motorized vehicle, unless the Insured Person has purchased the Adventure Sports option for coverage of motorcycle riding on a properly licensed vehicle designed primarily for use on public streets and highways, provided always that the Insured Person's holds a valid license to operate such vehicle if required by the jurisdiction in which the vehicle is ridden.
- Benefits of any nature sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or voluntary use of any drug, narcotic or controlled substance, unless prescribed by a Physician.
- Pre-existing conditions, except for an Acute Onset of a Pre-existing Condition suffered by a US citizen or resident.
- Diagnosis or treatment of all forms of cancer / neoplasm.
- All charges related to Pregnancy, including but not limited to pre-natal care, Delivery, and post-natal care, and care of Newborns
- Treatment related to birth defects and congenital Illness. Birth defects are deemed to include hereditary conditions.
- 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.
- Any drug, treatment or procedure that either promotes, enhances or corrects impotency or sexual dysfunction.
- Abortions, except to save the life of the mother.
- All expenses of any cryogenic preservation and implantation or re-implantation of living cells.
- Organ or tissue transplants or related services.
- Treatment for acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, hypertrophic and atrophic conditions of skin.
- 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.
- Charges for treatment of Mental Health Disorders.
- Dental Treatment, except for Dental Treatment necessary to restore sound natural teeth lost or damaged in a covered Accident or Dental Treatment necessary to resolve Acute Onset of Dental Pain, subject to a maximum of $100 per Insured Person per Certificate Period.
All Medical and Transportation Benefits are excluded, unless the Insured Person has purchased Adventure Sports Coverage, with respect to Accidents occurring while the Insured Person is participating in any of the following:
- Contact Sports, intercollegiate, interscholastic, intramural, and club Amateur Athletics 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
- Any one or combination of the following: Absailing; 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; and
- Any other sport or activity which is undertaken for thrill seeking and exposes the individual to abnormal risk of Injury.
- All Medical and Transportation Benefits are excluded, regardless of whether the Insured Person has purchased Adventure Sports Coverage, with respect to Accidents occurring while the Insured Person is participating in Extreme Sports, including but not limited to any of the following: Back country snow skiing; snowboarding or snowmobiling; Base jumping; Cave diving; Downhill mountain biking; Extreme Skiing; Free diving; Free flying; Free running and Parkour; Free skiing; Freestyle scootering; Gliding; Heli-skiing; Ice canoeing; Ice climbing; Jet skiing; Racing any vehicle or animal, including mountain bikes, motocross, motorcycle racing, motor rally, snowmobile racing, truck racing, horse racing, boat racing; Motorcycle riding; Mountaineering above elevation of 4,500 meters from ground level; Piloting a commercial or non-commercial aircraft; Powerboking; Skateboarding; Snow skiing, snowboarding or snowmobiling off piste; Scuba diving or sub-aqua pursuits below a depth of 50 meters; Whitewater Kayaking or whitewater rafting Class V or higher difficulty (Class V = A section of a river, stream or other waterway or watercourse where the current moves with enough speed or force to meet, but not to exceed, the qualifications of Class V as determined by the International Scale of River Difficulty or as commonly published by a local authority or government agency.); Wingsuit flying
- Weight modification or Surgical Procedure for treatment of obesity, including but not limited to wiring of the teeth and all forms of intestinal bypass Surgery.
- 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.
- Orthoptics, visual eye training and eye Surgery, such as radial keratotomy, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.
- Treatment of the temporomandibular joint.
- Diagnosis or treatment of venereal disease, including all Sexually Transmitted Diseases and conditions.
- 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.
- Treatment by a chiropractor.
- Medical treatment for Substance Abuse or addictions or conditions that may be attributed to Substance Abuse or addictions and direct consequences thereof.
- Treatment of Insured Persons who are HIV+, have AIDS or ARC, and all diseases caused by and/or related to HIV.
- Treatment, services or supplies provided at no cost to the AIDS 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.
- For diagnosis and/or treatment of any sleep disorder, including without limitation, sleep apnea and insomnia.
- For diagnosis and/or treatment of any infection of the urinary tract, including without limitation, infection of the kidney, ureter, bladder, prostate or urethra, and any complication, medical condition or other Illness resulting from or relating, directly or indirectly thereto, that occurs within ninety (90) days of the Certificate Effective Date and that requires treatment of the Insured Person in a Hospital as an Inpatient.
- For any efforts to keep a donor alive for a transplant procedure.
- Telephone consultations or failure to keep a scheduled appointment.
- 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.
- 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.
- Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinestherapy.
- 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.
- Exercise programs, whether or not prescribed or recommended by a Physician.
- Charges which exceed the Usual, Reasonable and Customary charge for the service or supply provided.
- Charges for any supply or service that is not Medically Necessary.
- All Transportation Benefits not approved or arranged in advance by Underwriters.
Resulting from or relating to epidemics, pandemics, public health emergencies, Natural Disasters or other disease outbreak conditions that may affect a person’s health when, prior to the Insured Person’s arrival to the affected location, any of the following were issued regarding said location:
- The World Health Organization has issued an Emergency Travel Advisory.
- The United States Centers for Disease Control and Prevention had issued a Warning Level 3 (avoid nonessential travel).
- A similar governmental agency of the Insured Person’s Home Country had published, communicated or issued a Travel Warning or Emergency Travel Advisory restriction or official declaration informing the public about such health issues before the Insured Person arrival to the affected location.
- Loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss.