Travel Guard Insurance Package
We offer
our clients to act as a broker for a comprehensive adventure
travel protection plan offered by Travel Guard.
Click on the logo to the right
to go directly to the Travel Guard Adventure Travel Protection Plan, and to get a personalized quote.
Following is a short summary in layman's terms (no warranties made for correctness and completeness!).
For the complete policy wording in
PDF format please click here. |
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Why Travel Guard Adventure
Travel Insurance Plan?
Most travel insurance packages offered on the
internet or through travel agencies do not
cover mountaineering, backcountry skiing and other adventure sports
activities or they require additional and often expensive riders.
Make sure to take the time to read the fine print before buying
a conventional policy for your adventure travels! The travel Guard
adventure travel protection plan, however, is especially designed
for the type of trips OnTop ltd. offers.
What
is Covered and what are the limits (in brackets)?
Trip cancellation (trip cost), trip interruption (trip cost), emergency
evacuation (US$500,000), medical expense (US$25,000), adventure travel
equipment loss (US$ 2500), adventure travel equipment delay (US$ 250)
An optional umbrella package costs very little more, but offers you
double the medical expense limit (from $25,000 to $50,000) and makes
your insurance benefit primary instead of waiting to see which other
of your insurance providers will pay out first.
Generally,
you can (and should) insure other prepaid trip cost
in addition to the cost of the trip package purchased from OnTop,
such as your flight and possibly your rental car. Insurable are all
expenses that you would loose, if you where to get sick / injured
right before your trip starts.
What
information do we require for a quote?
1) Your age
2)
The total amount of your trip cost (if you want to insure parts of
your trip that are not included in your trip package with OnTop, such
as your air travel or car rental).
Give
me a pricing example?
You are 55 and are booked for our Haute Route Glacier Trek
(US$ 2400):
Policy price is US$ 128, additional umbrella package is US$ 20
You
would also like to insure your air travel expenses of US$ 1400:
Policy price is US$ 173, additional umbrella package is US$ 20
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How can you get a quote and
subscribe?
Two options: 1) Go directly to the Travel
Guard site and subscribe or 2) we can provide a quote for
you based on your age and total trip price during the booking
process. If you want to purchase the policy, we will submit your
application to Travel Guard (we will just need your credit card
number and expiry date to process the insurance fee). You will
then receive a hard copy directly in the mail straight from Travel
Guard so you can review the entire policy. If there is anything
you don't like about the policy, you have 15 days to cancel for
a refund (100% of premium paid minus an administrative fee of
9% maximum per policy)
Who can buy the Travel Guard Adventure Travel
Insurance package?
Canadians and Americans (excluding those living
in the State of Washington). For our other clients (European,
Australian….) Travel Guard offers almost similar benefits
at similar prices with an insurance package called Worldwide Health
for as long as you opt for the "Hazardous Sports Rider"
and you don't engage professionally in that "hazardous sport".
Other advantages of the Travel
Guard Adventure Travel Protection Plan:
1) If you sign up for the insurance policy within
15 days of making your trip deposit with OnTop Ltd., Travel Guard
will waive all pre-existing conditions for ALL family members
if an emergency should arise.
2) There is a satisfaction guarantee of 15 days with full refund (minus
a processing fee of US$ 9).
3) The coverage is based on a 30 day trip, so arrival/departure date
should be the date that you leave and arrive back home. Your coverage
cost will change if your trip exceeds 30 days – please let us
know this detail when we prepare your quote.
4) Travelguard offers services 24 hours/day, 7 days a week. They
have a travel agent team that can help if a flight is canceled
/ delayed – you simply have to call Travel Guard and they
accept collect calls. Travel Guard also has an emergency medical
team, so they can start helping make arrangements to get you cared
for in the best possible manner and transported back to your place
of residence.
What if I want to insure my air travel but I haven't booked
it yet?
If you make a deposit, but haven’t booked
airfare yet, and you want it to be covered, we can either estimate
the cost of airfare and include it in the policy, or we can leave
out the airfare and once the amount is determined, we can modify
the policy and increase the dollar value to the correct value
including airfare. You have 15 days from the day of buying your
initial insurance package to include other components of your
Travel Guard Adventure Travel Protection Plan.
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