GL Tours – Travel Insurance Information, Description of Coverage, Explore Central & South America

TRAVEL INSURANCE
To make your vacation as worry-free as possible, GL Tours offers travel insurance through Travel Guard with all of our travel packages. We strongly recommend insurance to protect your investment, travel with security and piece of mind knowing that you are covered in an emergency.

The most common question we receive from clients is, "Do I need travel insurance?"
To help you decide, we have listed some of the more common circumstances that could cause you to cancel your trip or return home early. (These particular examples are covered by an Travel Guard travel insurance policy. Please read the Description of Coverage for all policies and complete coverage terms.)

You may have to cancel, or cut your trip short and return home for an emergency such as an unexpected illness or death in the family forcing you to lose the pre-paid portions of your trip and pay change fees for your return travel arrangements.
If bad weather conditions cause delay or cancellation of your trip, you could lose money you've invested for your trip, such as nonrefundable deposits.
If your luggage is lost, delayed or stolen, you may have to purchase additional clothes, essentials or even prescription medications.
The airline, cruise line or tour operator with which you're scheduled to travel suddenly goes on strike leaving you with no option but to cancel your trip with no recourse for reimbursement.
You could run into major travel delays forcing you to miss a portion of your trip or cruise and be forced to pay additional lodging expenses while you wait.
You could be forced to evacuate your resort due to a predicted hurricane or other weather conditions, cutting your trip short... with no recourse for reimbursement for the remaining portion of your vacation.
If you lose important travel documents (passports) and are left stranded while traveling abroad.

We've chosen Travel Guard to partner with GL Tours because they have an excellent reputation for customer service and offer the best travel assistance in the industry.

Automatically included with your policy, Travel Guard provides 24-hour emergency travel assistance. Whether you need help finding medical care halfway around the world, making emergency arrangements to return home or obtaining an emergency cash advance, you can access their toll-free hotline from anywhere in the world, any time of day.

FAQ
Q. What is the pre-existing condition waiver and how can I qualify?
A. If insurance is purchased within 24 hours of initial trip payment, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your plan cost. In the event a claim is filed, the injury or illness must be substantiated to our Claims Department.

Q. Does everyone need to purchase the insurance?
A. Our plan is on a per person basis. Each person only needs to cover their own trip arrangements.

Q. Are there co-payments or deductibles with your plan?
A. There are no deductibles or co-payments required.

Q. What does this plan cover for cancellation?
A. This plan covers if you have an unforeseen sickness, injury or death of yourself, a family member or a travelling companion. The plan also covers for inclement weather, unforeseen labor strikes affecting public transportation, and unforeseen traffic accidents.

Q. What happens if someone not travelling becomes ill or passes away? Is this covered?
A. An illness or death of a family member not travelling with you would be covered, however, the same pre-existing clause would apply. The definition of a family member is included in the Description of Coverage.

Q. Will Travel Guard track my baggage if it is lost? And if so, for how long?
A. If your baggage is lost while you are covered under the policy we do track your baggage for one full year if it is not found.

Q. When does the coverage begin?
A. The Trip Cancellation coverage begins at 12:01 am local time at the location of the insured on the day after the Enrollment Form and payment is received by Travel Guard. All other coverages will begin at 12:01 am local time at the location of the insured on the scheduled trip departure date shown on the Enrollment Form provided required payment has been received.

This is a brief description of some of the insurance benefits and travel services provided. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania Insurance Company (NAIC #19445) and a member of the AIG Companies®, with their principal place of business at 70 Pine Street, New York, NY 10270, currently authorized to transact business in all states and the District of Columbia. The Policy will contain reductions, limitations, exclusions and termination provisions. All coverages may not be available in all states. Emergency Travel Services are provided by AIG Travel Assist, not GL Tours.