Travel insurance is highly recommended and is the most important element of your travel arrangements. I believe so strongly in travel protection, I purchase it for myself and my family when we travel. Travel Insurance varies by vendor, supplier and company! I’ll help you purchase the best travel policy based on your needs and coverage requirements.
Do you want to be able to cancel for any reason, do you have pre-existing conditions? What if your travel is interrupted by an emergency at home, or God forbid, a medical emergency or death while you are traveling? Does the policy allow cancellation for terrorist attacks, virus outbreaks- like H1N1 ? In tough economic times, what about supplier, airlines and hotel bankruptcy and unexpected cessation of operation, will you be covered? You don’t want to risk losing your entire travel investment! Did you know most health insurance companies do not cover you while traveling out of the United States? Are you covered for repatriation or special medical assisted transportation home? What about the weather, will you be covered for a snow storm, hurricane or volcanic ash cloud? What will you do if you mis-connect because your flight is late and you miss days of your vacation? What if your luggage is delayed or lost? What will you do if your experience a theft or loss during your travel, will you be covered? Each policy is different and I can help you in making an informed decision. I want to be able to help you in the event of an emergency.
I will be honest with you, very early on in my career, I did not understand the importance of travel insurance or the difference in policies. Over the years, based on my experience, those of my colleagues and my clients, I have come to learn that travel insurance gives you ( and me) peace of mind and can save you thousands of hard earned dollars when life does not go as we plan. I want you, my most valuable asset, my client, protected. This is the reason I so STRONGLY advise travel insurance, I care about you. I am here not only as we plan your trip, I am here for your family in the event of an emergency while you’re away, I am here for you if you have an unforeseen circumstance while you travel until you safely reach home. However, you must remember, without insurance there is little I can do to help you. Like a best friend, I am here for you! Travel Designed by Stephanie is pleased to offer several full coverage policies through Travel Guard and Apple Vacations.
“AV-OK” Total Vacation Security Plan
The AV-OK Total Vacation Security Plan must be purchased no later than the close of the following business day after you guarantee your booking.
AV-OK Core Plan includes Pre-departure Cancellation/Change Waiver and Tour Guard Travel Insurance
1) APPLE VACATIONS’ PRE-DEPARTURE CANCELLATION/CHANGE WAIVER
This non-refundable plan allows you to cancel or change your vacation up until the flight check-in is closed (approximately one hour prior to scheduled departure time), except for “no shows” and “no show” related cancels. For last minute cancels, call 1-866-860-AVOK no later than one hour prior to your scheduled departure. (“No-shows” include passengers who arrive at the airport or at the gate too late to travel, or who fail to have the required passport and other necessary travel documents.)
Charter/Land Only Vacations: When a cancellation is made during a penalty period, your charter/land only cancellation penalty will be refunded in Apple Vacations’ travel certificates (redeemable through the original booking agency), with the balance of the refund made in the original form of payment less the non-refundable AV-OK plan payment. The entire refund will be in original form of payment if you purchased the “cash back” option at the time of booking for an additional $30 per person. Apple Vacations travel certificates may be used like cash when purchasing an Apple Vacation, are valid for one year, are non-refundable and non-transferable (issued only in the name of the passenger who cancelled) and may not be redeemed for cash. Apple Vacations’ amendment fees are waived under this coverage. Free Child Pricing: The first child (ages 2-12) receives the AV-OK Core Plan Coverage for free when traveling with two covered adults on charter air. If there are two or more qualifying children on a charter air booking, the savings is prorated between all the qualifying children. Additional adults on the booking do not generate additional free children savings. Free Child Pricing is not available for holiday departures. Children pay Cash Back option, AV-OK Plus Plan option and reactivation fees.
Scheduled Air Package Vacations: Scheduled airfares including non-refundable airfares and airline penalties are now covered, with all refunds made in the original form of payment. The AV-OK Plan payment will be deducted from any refund.
Changes: AV-OK coverage is non-transferable and must be repurchased/reactivated if you want to have coverage on certain amended bookings. A reactivation fee of $25 for charter/land only bookings and $45 for scheduled air bookings applies for all departure date, duration, class of service, hotel, departure city and destination changes. Higher reactivation fees apply to holiday departures. Charter fare-class changes also are subject to the $25 reactivation fee unless “AV-OK Plus” is purchased. Changes from charter to scheduled air or between scheduled air carriers, as well as name changes, require cancellation and full repurchase of AV-OK. If the number of individuals occupying a room changes, the remaining travelers will be responsible for any additional costs incurred as a result of a change in the per person occupancy rate.
2) APPLE VACATIONS’ TOUR GUARD TRAVEL INSURANCE PLAN – Post-Departure Trip Interruption, Travel Delay, Baggage and more! Interrupt your Apple Vacation due to a covered reason (including up to $100 per day to a maximum of $500 for a delayed arrival on your Trip due to cancellation of arrangements by an airline as a result of bad weather, mechanical breakdown and organized labor strikes) and your travel investment will be reimbursed.This high-quality travel insurance plan offered by Trip Mate will protect your vacation investment, your belongings, and most importantly, you. This plan also covers you even if you must interrupt your trip due to a pre-existing medical condition and you are not disabled from travel at the time of your Plan payment.You will receive a “Certificate of Coverage” with your travel documents, which provides complete details of the Plan, including conditions, exclusions and limitations. Plan payments are non-refundable and non-transferable.
NOTE for groups, ski packages and Belize*: Apple’s Best Price Guarantee and Pre-Departure Cancellation/Change Waiver do not apply to Group Department bookings of 20 or more people, ski packages, and travel to Belize. The Tour Guard Travel Insurance Plan is available and includes a Pre-Departure Cancellation benefit as described below.
AV-OK Plus Plan option includes Best Price Guarantee and protection from fuel surcharge increases
APPLE VACATIONS’ BEST PRICE GUARANTEE – Provides protection from fuel surcharge increases imposed after deposit. In addition, if a lower priced charter fare-class becomes available after deposit, you can claim the savings. If we advertise a discount on the exact same vacation that you have booked (same date, flight, scheduled air fare-class, duration of stay, hotel, and room category) and all components are available, you can claim the savings prior to departure. This does not apply to Air Only, Square Deals, special packages, booking date-restricted sales and hotels with a “closed” booking status. Many added values offered by hotels are booking date restricted and may no longer apply when you activate the Best Price Guarantee.
Tour Guard Travel Insurance Plan
Trip Interruption If you must interrupt your Trip after departure due to a covered Injury, Sickness, or death – your own or that of a Traveling Companion or a Family Member or for Other Covered Reasons, as defined, you will be reimbursed for the unused, non-refundable land or water arrangements and the additional transport charges paid to return home or to rejoin your Trip (limited to economy one-way airfare, or first class only if your original tickets were in first class). Coverage is limited to the value of your original vacation package price.
Travel Delay-$500 Provides up to $100 per day (maximum $500) for reasonable accommodation and traveling expenses, until travel is possible, if you are delayed for 12 hours or more due to a covered reason such as common carrier delay; quarantine; loss of passport, travel documents or money; or natural disaster.
Medical Expense/Emergency Assistance Provides reimbursement up to $25,000 for reasonable and customary medical expenses incurred within 52 weeks of a covered Injury or Sickness which occurs while on your Trip; up to $750 for emergency dental treatment received during your Trip; up to $50,000 for the cost of emergency transport to home or an appropriate Hospital, including escort expense (both, if deemed necessary by the attending Physician) for a covered Injury or Sickness which occurs while on your Trip; or the cost of homeward carriage if deceased.
Accidental Death & Dismemberment-$10,000 These benefits are paid if loss occurs within 180 days of a covered Injury which occurs while on your Apple vacation.
Baggage and Personal Effects-$1,000 Coverage for direct physical loss or damage to your Baggage, passports, or visas while on your Trip. A $600 maximum limit applies to jewelry, watches, cameras and camera equipment, computer, and furs – a $300 per article limit applies to all other items. If, while on your Trip, your Baggage is delayed for 24 hours or more, the plan will pay up to $100 for the purchase of necessary additional clothing and personal articles.
*Trip Cancellation – This benefit only applies to groups of 20 OR MORE PEOPLE, SKI PACKAGES and Belize not covered under Apple Vacations’ Pre-Departure Cancellation Waiver.
Tour Guard Coverage Terms and Conditions
The “Certificate of Coverage” defines Traveling Companion as a person or persons with whom a covered person has coordinated Travel Arrangements and intends to travel during the Trip; Family Member as the following relatives – yours or those of your Traveling Companion – spouse, child, spouse’s child, son-daughter-in-law, parent(s), sibling(s), grandparent(s), grandchild, stepbrother- sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Care Giver, Domestic Partner, foster-child, or ward: and Sickness is an illness or disease of the body which requires treatment of a Legally Qualified Physician after the effective date of insurance and while you are covered under the policy.
Certain exclusions and limitations apply and are detailed in the “Certificate of Coverage”. For example, coverage does not apply to: a Sickness or condition of you, a Traveling Companion or Family Member traveling with you that existed during the 60 days prior to the effective date of the coverage (this exclusion is waived if you purchase coverage within 7 days of your initial deposit/payment for your Trip), suicide, normal pregnancy, war or any act of war, mental or nervous disorders.
This is a brief description of the plan. For further information ask for the Certificate of Coverage which fully details the coverage, provisions, limitations and exclusions of the insurance offered and is available to you, upon request, at anytime prior to your purchase of the plan.We urge you to obtain and carefully examine this important document. Click here for full details of the plan.
Access Your Medical Records Online With our exclusive Global Xpi Service, you can assure that your most important medical records are available to you or any Physician chosen by you, anytime, anywhere in the world, quickly, wherever internet access is available. Register at your convenience at www.globalxpi.com or call toll-free 1-800-379-9887. It’s free during your insured Trip! Program Code: F430
CLAIM PROCEDURES – To make a change to your existing booking, to “claim the savings” per Apple’s Best Price Guarantee or to cancel your vacation prior to departure, contact your travel agent who will notify Apple Vacations. For all post-departure travel insurance claims (and for Trip cancellation claims for groups of 20 or more people, ski packages and Belize not covered under Apple Vacations’ Pre-Departure Cancellation Waiver) contact Trip Mate, Inc. (In CA dba Trip Mate Insurance Agency) at 1-866- 389-5378 or report your claim on-line at tripmate.com. The Tour Guard Travel Insurance Plan is underwritten by United States Fire Insurance Company, Eatontown, NJ.