Allianz Global Assistance and Allianz Travel Insurance branded plans are underwritten by BCS Insurance
Company. AGA Service Company is the licensed producer
for this plan.
TRAVEL PROTECTION PLAN
CERTIFICATE OF INSURANCE
This Certificate of Insurance describes all of the travel
insurance benefits, underwritten by BCS Insurance Company
and herein referred to as the Company. Please refer to Your
Schedule of Coverage. It provides You with specific
information about the plan You purchased.
*Indicates insurance coverage provided under a Master Policy
and issued by BCS Insurance Company.
Massachusetts Residents Only: This Certificate is
governed by the laws of Massachusetts.
This Policy is issued for a single term and is non-renewable.
Within 10 days of purchasing the plan, the tour operator will
process a full refund of premium to You, as long as You have
not already departed on Your Trip or filed a claim. No refunds
shall be paid to You after 10 days of purchasing the plan.
PLEASE READ THIS CERTIFICATE CAREFULLY FOR
TABLE OF CONTENTS
Part I. Effective Date
Part II. Termination Date
Part III. General Exclusions
Part IV. Description of Travel Insurance Benefits
Part V. General Provisions Related to Insurance Benefits
Part VI. Description of Travel Assistance Services
Part VII. Claim Filing Procedures
Part VIII. Definitions
Signed for BCS Insurance Company, 2 MidAmerica Plaza,
Suite 200, Oakbrook Terrace, IL 60181.
TRAVEL INSURANCE AND ASSISTANCE SERVICES
Part I. EFFECTIVE DATE
Insurance shall be effective at 12:01 A.M. on the date the
scheduled Trip begins. Trip Cancellation coverage begins the
day after the tour operator receives Your insurance premium.
Part II. TERMINATION DATE
In no event will coverage be effective if all premiums due have
not been received prior to the Scheduled Departure Date or
prior to the Trip Cancellation date if You cancel Your Trip or it
is canceled for any reason.
Coverage ends at midnight on the date of return selected, or
upon return to Your city of residence, or when the Trip is
canceled, or on the 90th day, whichever is earliest. If return is
delayed for any covered reason, coverage is extended until
You are able to return to Your city of residence. The day You
depart and the day You return are counted and included as
separate days when determining duration of coverage.
Part III. GENERAL EXCLUSIONS
These exclusions apply to all plan benefits and services. In
addition to any exclusions that apply to a particular benefit, no
coverage is provided for any loss arising directly or indirectly
out of or as a result of the following:
Part IV. DESCRIPTION OF TRAVEL INSURANCE
BENEFITS (what is covered)
1. Intentionally self-inflicted harm, suicide or attempted
suicide, by You, a Traveling Companion or a Family
2. Normal Pregnancy (except as specifically covered), fertility
treatments, Childbirth or elective abortion, other than
unforeseen complications of pregnancy, of You, a
Traveling Companion or a Family Member;
3. Mental or nervous health disorders, including but not
limited to: anxiety, depression, neurosis or psychosis; or
physical complications related thereto, of You, a Traveling
Companion or a Family Member;
4. Alcohol or substance abuse or use; or conditions or
physical complications related thereto, of You, a Traveling
Companion or a Family Member;
5. War (whether declared or undeclared), acts of war, military
duty (unless as specifically covered), civil disorder or
unrest (except as provided for in Travel Delay);
6. Participation in professional or amateur sport events
7. All extreme, high risk sports including but not limited to:
bodily contact sports; skydiving; hang gliding, bungee
jumping, parachuting; mountain climbing or any other high
altitude activities, caving, heli-skiing, extreme skiing, or any
skiing outside marked trails (unless as specifically
8. Scuba diving (unless accompanied by a dive master and
not deeper than 130 feet), unless as specifically covered
9. Operating or learning to operate any aircraft as pilot or
10. Nuclear reaction, radiation or radioactive contamination;
11. Natural disasters (unless as specifically covered);
13. Pollution or threat of pollutant release;
14. Any unlawful acts committed by You, Family Members, or
Traveling Companions, whether they are insured or not;
15. Any expected or reasonably foreseeable events; or
16. Financial Default of a travel supplier (unless as specifically
These plans do not cover You:
1. If the purpose of the travel is to receive medical care,
medication or treatment;
2. If the stated Trip departure and return dates do not reflect
Your intended departure and return dates;
3. If tIf the tickets do not indicate the travel dates;
4. If You give incorrect data or facts; or
5. If the loss is not submitted to Us within 90 days from the
date of loss, except as otherwise prohibited by law.
PRE-EXISTING CONDITIONS EXCLUSION
This exclusion applies to Trip Cancellation and Interruption
Protection, Emergency Medical and Dental Benefits and to
those Travel Assistance Services related to medical problems.
The plan does not cover losses or expenses if they result
The plan does not cover losses or expenses if they result from:
1. Any injury occurring to You, a Traveling Companion or a
Family Member prior to and including the effective date of
2. Any illness occurring to You, a Traveling Companion, or a
Family Member during the 120 days prior to and including
the effective date of Your insurance for which: a) medical
diagnosis or treatment by a Physician has been sought or
advised or for which symptoms exist which would cause a
prudent person to seek diagnosis, care or treatment; or b)
require taking prescribed drugs or medicine unless the
illness remains controlled without any change in the
For the purposes of determining any Pre-existing Conditions,
the effective date of Your insurance will be Your Trip
Cancellation Insurance effective date.
You have purchased a plan where Pre-existing Conditions
are waived. The Company and We cover these Preexisting
1. The insurance was purchased within fourteen calendar
days of initial Trip payment;
2. The amount of Trip Cancellation coverage originally
purchased equals the full cost of all Trip arrangements;
3. On the date of purchase of insurance, You were medically
able to travel and You had not filed a claim for Trip
Cancellation due to a pre-existing illness within 120 days
prior to the purchase of insurance;
4. The total Trip cost is $20,000 per person or less; and
5. On the date of purchase of insurance, You are a resident
of the United States.
If You do not meet the above criteria, You may still be covered
for Trip Cancellation or Trip Interruption caused by reasons
other than those related to the Pre-existing Condition.
The following insurance benefits are designed to protect You
against situations or losses that result from sudden and
unexpected conditions or events. The benefits do not cover
conditions or events that, on the date of purchase, are
either known to You or likely to occur. Please be aware
that this stipulation may be applied to policies purchased
with the Pre-existing Conditions Exclusion Waiver. The
Company and We reserve the right to reject applications.
TRIP CANCELLATION AND INTERRUPTION
Trip Cancellation coverage provides benefits for loss(es) You
incur for Trips cancelled up to the time and date of departure.
Trip Interruption coverage provides benefits for loss(es) You
incur for Trips that are interrupted or delayed after the time
and date of departure.
For all of the covered reasons outlined below, You must
notify the appropriate travel supplier(s) of Your
cancellation or interruption within 72 hours of the
occurrence, unless the condition prevents it, then as soon
as reasonably possible. Otherwise the right to
compensation will lapse.
A maximum benefit of up to the amount indicated on Your
Schedule of Coverage is provided to cover certain expenses
as listed below which result from the cancellation or
interruption of Your Trip due to:
1. Any serious Injury or any unforeseen serious medical
- a. Occurring to You or a Traveling Companion, which is so
disabling as to cause a reasonable person to delay,
cancel, or interrupt their Trip;
- Occurring to a Family Member that is considered life
threatening or requiring hospitalization; or
- c. Occurring to a Family Member requiring Your care.
For Trip Cancellation benefits, an actual examination by a
Physician must take place within 72 hours of the cancellation.
For Trip Interruption benefits, this examination must take place
during Your Trip. This Physician may not be a member of Your
or Your Traveling Companion's immediate family or yourself,
or an Immediate Family Member of the person whose
condition caused the cancellation or interruption.
2. Your death, the death of a Family Member or a Traveling
Companion if the death occurs prior to Your Scheduled
Departure Date, or during Your Trip.
3. Financial Default of the airline provided that:
The Company will not cover losses resulting from the Financial
Default of the person, organization, agency, or tour operator,
or their affiliate companies, that solicited this coverage, and/or
Your insured travel arrangements to You. Financial Default
occurring on or before the coverage effective date or less than
7 days after such date is not covered. The Company reserves
the right to substitute a Trip of similar value in lieu of cash
a. On the Policy effective date, the airline was approved for
the Financial Default coverage by the Company. For a
current list of approved airlines refer to:
www.allianztravelinsurance.com or call
- b. The insurance was purchased within 14 calendar days
of the initial Trip deposit or payment.
4. Strikes, natural disasters, bad weather or FAA mandated
shutdown resulting in the complete cessation of services
for at least 24 consecutive hours by the airline, tour
operator or cruise line.
The Company will not cover losses resulting from strikes of
the person, organization, agency, or tour operator, or their
affiliate companies, that solicited this coverage, and/or
Your insured travel arrangements to You.
5. You or a Traveling Companion being hijacked or
6. You being required to serve on a jury, served with a court
order or subpoena.
7. YYour Primary Residence being made uninhabitable by fire,
flood, burglary, vandalism, or natural disasters.
8. You or a Traveling Companion being directly involved in a
traffic Accident while directly en route to a departure..
9. A terrorist act committed by an organized terrorist group
(recognized as such by the U.S. State Department) that results in property damage, Injury or loss of life. The
incident must take place in a domestic or foreign city in
which You are scheduled to arrive within 30 days following
the incident and Your tour operator (if applicable) must not
have offered a substitute itinerary. For foreign terrorism
coverage only, coverage for travel to or through
countries in which such a documented or reported
incident has occurred during the 30 days prior to
purchase of the insurance is excluded. Losses
resulting due to the issuance of travel advisories,
bulletin or alerts; war or acts there of; civil disorder,
riot or unrest; bomb scares or threats of terrorist
activity; or terrorist acts against any Common Carrier
(e.g., airline or cruise line) are not covered.
10. YYou or a Traveling Companion, who are on Active Military
Duty in the United States Armed Forces:
11. You or a Traveling Companion being the victim of a
Felonious Assault within 10 days prior to Your departure
date. A Felonious Assault may not be inflicted by You, a
Family Member, Traveling Companion or Traveling
Companion's Family Member.
- a. having Your personal leave revoked within 10 days prior
to Your departure date (as long as such revocation is in
writing by a superior officer and is not due to war related
situations, invocation of the War Powers Act, base or
unit mobilization, unit reassignment for any reason, or
disciplinary action); or
- b. are personally reassigned within 10 days prior to Your
departure date, whether temporary or permanent.
12. You or a Traveling Companion, after having been with the
same employer for at least three continuous years, are
terminated or laid off, through no fault of Your own, after
Your effective date of coverage.
13. Your family or friends living abroad with whom You were
planning to stay, are unable to accommodate You due to
life threatening Illness, life threatening Injury or death of
one of them.
14. A covered Travel Delay that results in the loss of more
than 50% of Your scheduled Trip length.
15. For Trip Cancellation only, Your Normal Pregnancy as long
as the pregnancy occurs after Your effective date of
coverage that can be verified by medical records.
16. For Trip Cancellation only, You will be attending an
Immediate Family Member's Childbirth as long as the
pregnancy occurs after the effective date of coverage that
can be verified by medical records.
In all cases You must notify the appropriate travel
supplier(s) of Your cancellation or interruption within 72
hours, unless the condition prevents it, then as soon as
reasonably possible. Otherwise the right to compensation
Coverage is for:
1. Forfeited, published Trip payments or deposits imposed by
the tour operator for accommodations booked through the
tour operator for which You are not eligible to receive a
Refund. We will not cover other Trip costs for any other
arrangements that You may book on Your own;
2. For Trip Interruption, the pro-rated portion of the prepaid
3. The additional cost resulting from a change in the per
person occupancy rate for prepaid travel arrangements if a
Traveling Companion's Trip is canceled or interrupted for
one of the above covered reasons and Yours is not;
4. Reasonable, additional accommodation and transportation
expenses up to $100 per day up to a maximum of five
days if a Traveling Companion must remain hospitalized;
5. Reasonable, additional travel costs for You to reach Your
original destination if You must depart after Your planned
departure date due to one of the above reasons; or
6. Reasonable, additional transportation expenses needed to
reach the scheduled termination point of Your Trip or to
travel from the place Your Trip was interrupted to the place
where You can rejoin Your Trip and the unused portion of
any non-refundable land, sea and air arrangements that
were paid as part of Your Trip.
The benefits paid under 5 and 6 above will not exceed the
cost of economy airfare by the most direct route on the
next available carrier, less any Refunds paid to You.
Trip Cancellation/Interruption benefits do not cover
loss(es) due to:
1. Any General Exclusion or Pre-existing Condition;
2. You or a Traveling Companion: a) making changes to
personal plans; b) having a business or contractual
obligation; c) being unable to obtain necessary travel
documents; or d) being detained or having property
confiscated by any Customs authority;
3. Carrier caused delays (including bad weather) unless as
4. Prohibition or regulation by any government; or
5. TTravel arrangements cancelled by an airline, cruise line, or
EMERGENCY MEDICAL AND DENTAL BENEFITS*
This coverage is secondary over any existing health
coverage You may have and is subject to a $50 Deductible
per individual for Outpatient visits.
A maximum benefit of up to the amount listed on Your
Schedule of Coverage is provided for covered Emergency
Medical or Dental Care expenses incurred as a result of
accidental Injury or Illness occurring during a Trip within the
We will only pay Reasonable and Customary Charges for
health care services or supplies provided by Physicians,
licensed dentists, Hospitals, and Other Licensed Providers that
are received during Your Trip and that are received
greater than 100 miles from home and which are Medically
1. Emergency Medical Care; and
2. Emergency Dental Care. There is a $500 maximum for
all covered dental expenses.
Coverage is not provided for:
1. Expenses incurred as a result of any General Exclusion or
2.Non-emergency services, supplies, or charges (examples
are those for cosmetic surgery, physical exams, allergies,
hearing aids, eyeglasses, contact lenses, palliative care or
cosmetic foot care, experimental treatment, or other
services which are not Medically Necessary to provide
Emergency Medical or Dental Care);Non-emergency services, supplies, or charges
(examples are those for cosmetic surgery, physical
exams, allergies, hearing aids, eyeglasses, contact
lenses, palliative care or cosmetic foot care,
experimental treatment, or other services which are not
Medically Necessary to provide Emergency Medical or
3. Treatment received in unlicensed facilities or given by
unlicensed health care providers;
4. Treatment given by a Family Member or a Traveling
Companion, whether or not a licensed provider;
5. Any Illness or bodily Injury which occurs in the course of
employment if benefits or compensation is provided, in
whole or in part, under the provisions of any legislation of
any governmental unit; or
6. Benefits provided by any governmental agency or unit.
Benefits may be coordinated with any other excess coverage
You may have and any benefits paid in excess of Your actual
loss may be recovered.
California Residents: This plan contains disability insurance
benefits or health insurance benefits, or both, that only apply
during the covered Trip. You may have coverage from other
sources that already provides You with these benefits. You
should review Your existing policies. If You have any
questions about Your current coverage, call Your insurer or
Coverage is secondary to any coverage provided by a
If Baggage is lost, damaged or stolen, the Company will pay
the loss, up to the maximum amount indicated on Your
Schedule of Coverage, provided You have taken all
reasonable measures to protect, save and/or recover Your
property at all times. Notwithstanding the foregoing, We will
cover up to a maximum amount of $500 for any and all
jewelry, watches, gems, furs, cameras and camera
equipment, camcorders, sporting equipment, computers,
radios and other electronic items and only when original
receipts are provided.
You must notify the appropriate local authorities at the place
the loss occurred and inform them of the value and description
of Your property within 24 hours after the loss. Finally, You
must file written proof of loss with the Company within 90 days
from the date of loss, except as otherwise prohibited by law,
attaching copies of airline, cruise line or Common Carrier
claims forms, original police reports, an itemization and
description of lost items and their estimated value, and all
receipts, credit card statements, canceled checks, photos, or
other appropriate documentation as may be required.
Property or losses not covered:
1. Losses incurred as a result of any General Exclusion;
3. Automobiles and equipment, motorcycles and motors;
4. Bicycles, skis, snowboards (except when checked with
a Common Carrier);
5. Aircraft, boats or any other vehicles or conveyances;
6. Eyeglasses, sunglasses, contact lenses, hearing aids,
artificial teeth and limbs;
7. Tickets, keys, money, securities, bullion, stamps, credit
cards, documents (travel or otherwise) and deeds;
8. Property shipped as freight or shipped prior to Your Trip
9. Rugs or carpets of any type;
10. Perishables, medicines, perfumes, cosmetics and
11. Property used in trade, business or for the production of
income or offered for sale or trade or components of
goods offered for sale or trade;
12. Property that is left in or on a vehicle or in a car trailer;
13. Damage to the property resulting from defective
materials or workmanship, ordinary wear and tear, and
The plan will pay the lesser of:
1. The actual purchase price of a similar item; or
2. The Actual Cash Value of the item at the time of loss,
which includes deduction for depreciation (for items
without receipts, the plan will pay up to 75% of the
determined depreciated value); or
3. The cost to repair or replace the item.
BAGGAGE DELAY COVERAGE*
If Your personal Baggage is delayed or misdirected for at
least 24 hours by a Common Carrier, the plan will
reimburse You on a one-time basis for the reasonable,
additional purchase of essential items up to the amount
listed on Your Schedule of Coverage. Verification of the
delay by the Common Carrier and receipts for the
emergency purchases must accompany any claim.
No coverage will be provided for loss(es) due to any
TRAVEL DELAY COVERAGE*
Coverage under the plan will pay on a one-time basis up to
the maximum amount listed on Your Schedule of Coverage
for reasonable, additional accommodation and traveling
expenses due to a departure delay of 6 or more hours.
Prepaid expenses are not covered. Expenses must be
incurred by You. Payments for the above expenses will not
exceed $150 per day per person.
Covered reasons for Travel Delay are:
1. Carrier caused delay (including bad weather);
2. Lost or stolen passports, money, or travel documents;
5. Unannounced strikes;
6. Natural disaster; or
7. Civil disorder or unrest.
No coverage will be provided for loss(es) due to any
Benefits are payable under either Travel Delay or Missed
Connection for any one incident resulting in a delay.
MISSED CONNECTION COVERAGE *
This coverage provides up to the amount listed on Your
Schedule of Coverage per person to cover:
1. Reasonable additional transportation and
accommodation expenses needed for You to reach
Your destination or the departure of Your cruise; and
2. Any unused prepaid Trip payments lost as a result of
You missing at least 24 hours of Your vacation.
In order for You to receive benefits, the missing of Your
connection or cruise must be caused by:
1. You or a Traveling Companion being delayed by a
traffic Accident while en route to a departure, even if
You or the Traveling Companion have not been directly
involved in the Accident;
2. You or a Traveling Companion being delayed by bad
weather while en route to a departure provided the car
was scheduled to arrive at the point of departure at
least two hours before the scheduled time of departure;
3. Your regularly scheduled airline flight being canceled or
delayed solely due to bad weather for at least 3
hours and for this reason You miss Your cruise.
Coverage is secondary to any coverage provided by a
Benefits are payable under either Travel Delay or Missed
Connection for any one incident resulting in a delay.
No coverage will be provided for losses due to any General
Exclusion or for losses incurred because You cancelled the
Trip even though You were able to make Your departure or
TRAVEL ACCIDENT COVERAGE*
This benefit provides coverage for a loss due to a covered
Accident. The loss must occur within 365 days of the
covered Accident. The plan will pay the full amount (as
listed on Your Letter of Confirmation), in a lump sum, for
loss of life or any combination of two eyes, hands or feet;
and one half of the amount for loss of one eye, hand or
foot. Loss of eye means total and irrecoverable loss of
entire sight; and loss of hand or foot means the actual
complete and permanent severance at or above the wrist or ankle joint. Death or loss must be a direct result of the
Accident sustained during the Coverage Period.
Benefits will be payable for only one loss, that being the
greatest amount. Benefits are payable to You or, if
applicable, to Your estate unless a beneficiary is named on
Your application form.
No coverage will be provided for loss due to any General
Exclusion, Terrorism, or for any loss due to air travel
except while You are riding, boarding or alighting as a
ticketed passenger on a certified passenger aircraft
provided by a regularly scheduled airline on a regularly
scheduled Trip or charter.
Part V. GENERAL PROVISIONS RELATED TO
1. All information in this Certificate with regard to the
insurance benefits is subject to the terms and
conditions of the Policy underwritten by BCS Insurance
Part VI. CLAIM FILING PROCEDURES
2. All suits, actions or legal proceedings arising from the
plans, benefits, or services provided through the plans
(collectively "Controversies") may be submitted to
binding desk arbitration in accordance with the rules
then applying to the American Arbitration Association.
No demand for arbitration can be brought to recover
benefits until 60 days have elapsed following
submission of Your entire claim to Us. No action in any
form can be brought after three years from the date
Your claim was submitted to Us.
3. No agent or other person has authority to accept or
make representations or information or alter, modify or
waive any of the provisions of this Certificate.
4. Claims must be submitted to Us within 90 days from
date of loss, except as otherwise prohibited by law.
5. In the event that You are covered under another policy
issued by the Company that provides the same or
similar coverage, the Company will adjust Your claim
by applying terms and conditions from the coverage
that pays the most. Any premium paid for duplicate
coverage will be refunded.
6. Benefits are payable to You or, if applicable, to Your
7. MISREPRESENTATIONS AND FRAUD: Coverage
shall be void if, whether before or after a loss, the
insured has concealed or misrepresented any material
fact or circumstance concerning this Policy or the
subject thereof, or the interest of the insured therein, or
if the insured commits fraud or false swearing in
connection with any of the foregoing.
8. You have a duty to make all reasonable efforts to
minimize losses from any insured benefit or Covered
Assignment: You may assign Your interest under the
Policy by giving Us written notice of such assignment. The
assignment will not be effective until We receive the written
notice. Neither the Company nor We assume any
responsibility for the validity of any assignment.
Subrogation: The Company or We have the right to
recover any payments We have made from anyone who
may be responsible for the loss. You and/or any person to
whom We make a payment must sign any papers and do
whatever is necessary to transfer this right to Us. You
and/or any person to whom We make a payment agree(s)
to cooperate with Us and to do nothing after the loss that
will adversely affect Our rights or those of the Company.
Physical Examinations and Autopsy: The Company has
the right to physically examine You as often as reasonably
needed while a claim is pending. The Company may also
require an autopsy in the case of death, where it is not
forbidden by law. The Company will bear all costs for
To file a claim for covered benefits, please visit www.allianztravelinsurance.com to file online or call 1-800-
256-7250 24 hours a day, seven days a week to receive a
claim form. Make sure to write Your Product ID number and
resort name on the claim form and submit it with the required
documentation. All benefits will be paid in United States
Part VIII. DEFINITIONS
This coverage will be void if, before or after a loss, You
have concealed or misrepresented any material fact or
circumstance relating to this coverage.
We will need certain information from You in the event You
need to file a claim. This documentation will include, but is not
limited to the following:
a. Receipts and itemized bills for all expenses.
b. Original of any Refunds or expense allowances received
from Your tour operator, travel agency, Common Carrier or
Trip Cancellation and Interruption Claims
a. Any appropriate documentation that officially explains the
cause of Your trip cancellation or interruption. Any
explanation of diagnosis along with Your original itemized
bills, receipts, and proof of other insurance payments.
b. Original unused tickets, copies of invoices, proof of
payments, and other documents that substantiate the cost
or occurrence of the trip cancellation or interruption.
c. Documentation of Refunds received from the travel
supplier(s) and/or Common Carrier(s).
Emergency Medical and Dental Claims
Any explanation of diagnosis(es) along with Your original
itemized bills, receipts, and proof of other insurance
Baggage Insurance Claims
a. Original claim determination from the Common Carrier, if
b. Original police report or other report from local authorities.
c. Original receipts and list of stolen, lost or damaged items.
d. Proof of loss providing amount of loss, date, time and
cause of loss.
Baggage Delay Claims
Proof from the Common Carrier that personal Baggage was
delayed or misdirected for at least 24 hours.
Travel Delay Claims
Original police, Common Carrier or other report that verifies
the cause and duration of the delay.
Missed Connection Claims
Original Common Carrier report that verifies the cause and
duration of the delay.
Travel Accident Claims
Copy of death certificate.
Accident means an unexpected, unintended,
unforeseeable event causing Injury.
Active Military Duty means serving in the United States
Armed Forces on a full-time basis, not including the United
States Armed Forces Reserves.
Actual Cash Value means the amount an item is
determined to be worth based on its market value, age and
condition at the time of loss.
Baggage means luggage and personal possessions,
whether owned, borrowed or rented, taken by You on the
Common Carrier means an entity licensed to carry
passengers for hire on land, water or air, excluding vehicle
Coverage Period means the time during which benefits
are payable hereunder, beginning on the effective date and
ending on the termination date.
Covered Service means a service or supply specified
herein for which benefits will be provided.
Deductible means a specified dollar amount that You must
incur before the Company or We will assume any liability
for all or part of the remaining Covered Services.
Emergency Dental Care means the services or supplies
provided by a licensed dentist, Hospital or Other Licensed
Provider that are medically and immediately necessary to
treat dental problems resulting from Injury, infection,
breakage to tooth surface or loss of filling.
Emergency Medical Care means the services or supplies
provided by a Physician, Hospital or Other Licensed
Provider that are Medically Necessary to treat any covered
medical Illness or Injury that is acute (onset is sudden and
unexpected) and: 1) considered life threatening; or 2)
which, if left untreated, could deteriorate resulting in
serious and irreparable harm.
Family Member means Your spouse; parent; child(ren),
including children who are, or are in the process of
becoming, adopted; sibling; grandparent or grandchild(ren);
step-parent; step-child; or step-sibling; in-laws (parent, son,
daughter, brother or sister); aunt; uncle; niece; nephew;
legal guardian; ward; or business partner; an employed
caregiver who lives with You; or a person with whom You
have lived for 12 continuous months prior to the effective date of coverage; whether or not they travel with You.
Felonious Assault is an act of violence against You or a
Traveling Companion requiring medical treatment in a
Financial Default is a complete suspension of operations
due to financial circumstances whether or not a bankruptcy
petition is filed.
Hospital means a provider that is a short-term, acute,
general Hospital that:
Illness means a sickness, infirmity or disease that causes
a loss that begins during a Coverage Period and is not a
- 1. is a duly licensed institution;
- 2. in return for compensation from its patients, is primarily
engaged in providing Inpatient diagnostic and
therapeutic services for the diagnosis, treatment, and
care of injured and sick persons by or under
supervision of Physicians;
- 3. has organized departments of medicine and major
- 4. provides 24-hour nursing service by or under the
supervision of registered graduate nurses; and
- 5. is not other than incidentally: a) a skilled nursing facility,
nursing home, custodial care home, health resort, spa
or sanatorium, place for rest, place for the aged, place
for the provision of rehabilitation care; b) a place for the
treatment of mental illness; c) a place for the treatment
of alcoholism or drug abuse; d) a place for the provision
of hospice care; or e) a place for the treatment of
Immediate Family Member means Your spouse; parent;
child(ren), including children who are, or are in the process
of becoming, adopted; Your siblings; Your grandparent or
grandchild(ren); step-parent; step-child; or step-sibling.
Individual Coverage is the insurance plan under which
only You are covered.
Injury means bodily Injury caused by an Accident, directly
and independently of all other causes and sustained on or
after the effective date of this coverage and before the
termination date. Benefits for Injury will not be paid for any
loss caused by sickness or other bodily diseases or
Inpatient means a person who is treated as a registered
bed patient in a Hospital or Other Licensed Provider and
for whom a room and board charge is made.
Medical Escort means a professional person contracted
by Our medical team to accompany a seriously ill or injured
person while they are being transported. A Medical Escort
is trained to provide medical care to the person being transported. A friend or Family Member cannot be a
Medically Necessary or Medical Necessity means the
services or supplies provided by a Hospital, Physician or
Other Licensed Provider that are required to identify or
treat Your Illness or Injury and which, as determined by Us,
Normal Pregnancy or Childbirth means a pregnancy or
Childbirth that is free of complications or problems.
- 1. consistent with the symptom or diagnosis and treatment
of Your condition, disease, Illness, ailment or Injury;
- 2. appropriate with regard to standards of good medical
- 3. not solely for the convenience of You, a Physician or
other provider; and
- 4. the most appropriate supply or level of service that can
be safely provided to You. When applied to the care of
an Inpatient, it further means that Your medical
symptoms or condition requires that the services
cannot be safely provided to You as an Outpatient.
Other Licensed Providers means any person or entity
other than a Hospital or Physician, which is licensed, where
required, to render medical or dental services.
Outpatient means a person who receives medical or
dental services or supplies while not an Inpatient.
Physician means a person who is licensed and legally
entitled to practice medicine in the applicable field for which
services are delivered.
Pre-existing Conditions means:
Primary Residence means a person's fixed, permanent
and principal home for legal and tax purposes.
- 1. Any injury occurring to You, a Traveling Companion or
a Family Member prior to and including the effective
date of Your insurance; and
- 2. Any illness occurring to You, a Traveling Companion, or
a Family Member during the 120 days prior to and
including the effective date of Your insurance for which:
a) medical diagnosis or treatment by a Physician has
been sought or advised or for which symptoms exist
which would cause a prudent person to seek diagnosis,
care or treatment; or
b) require taking prescribed drugs
or medicine unless the illness remains controlled
without any change in the required prescription.
For the purposes of determining any Pre-existing
Conditions, the effective date of Your insurance will be
Your Trip Cancellation Insurance effective date.
Reasonable and Customary Charge means a charge in
an amount consistently made by other vendors/providers
for a given service in the same geographic area and which reflects the complexity of the service taking into account
availability of experienced personnel and availability of
services or parts.
1. Money returned to You by the travel agent, tour
operator, airline, cruise line or other travel supplier;
2. Any credit or voucher for future travel provided to You
by the travel agent, tour operator, airline, cruise line or
other travel supplier; or
3. Any credits, recoveries or reimbursements from Your
employer, another insurance company, a credit card
issuer or any other institution.
Scheduled Departure Date means the date You have
selected to begin travel as shown on Your tour invoice and
for which paid travel arrangements have been made.
Terrorism means the unsanctioned and illegal use of force
that caused destruction of property, Injury, or death by an
individual or group for the express or implied purpose of
achieving a political, ethnic, or religious goal or result.
Terrorism does not include general civil protest, unrest,
rioting, or an act of war.
Traveling Companion is a person traveling with You and
who shares the same accommodations as You.
1. a period of round-trip travel to and from a destination
that is at least 100 miles from Your main place of
2. such travel is not to obtain health care or treatment of
We, Us or Our refers to BCS Insurance Company and its
You or Your refers to all persons covered under the plan
Please be advised: This optional coverage may duplicate
coverage already provided by Your personal auto insurance
policy, homeowner's insurance policy, personal liability
insurance policy or other source of coverage. This insurance is
not required in connection with the Insured's purchase of travel
tickets. Plan may not be available in all jurisdictions.
California Residents: We are doing business in California as
Allianz Global Assistance Insurance Agency, License #
Florida Residents: The benefits of the policy providing Your
coverage are governed primarily by the law of a state other
TRAVEL ASSISTANCE SERVICES PROVIDED BY AGA
Our goal is to provide immediate help for common travel
problems almost everywhere in the world. However, despite
our best efforts, situations arise which are beyond our control
and under these circumstances, we can only promise to make
every reasonable effort to help you resolve your problems. The
hotline center staff will do its best to refer you to appropriate
medical and legal providers. However, we cannot be held
responsible for the quality of results of any medical or legal
services provided by these independent practitioners.
If you are in trouble and need help:
1. Call the hotline. From the U.S. call 1-866-520-8805. From
all other locations call collect to 1-804-281-5700.
If your emergency is immediate and life threatening, seek local
emergency assistance at once and contact the hotline as soon
2. Have the following information ready for the hotline
a. Your name and Policy ID number; and
b. Your location and local telephone number.
The hotline coordinator will confirm your enrollment and
provide you with assistance.
Note: In some countries it may not be possible to call collect. If
you must phone the hotline directly, give your location and
phone number to the hotline coordinator who will call you
If you have medical problems and are unable to find local care,
we will refer you to a local physician, dentist, Hospital, medical
facility or other appropriate resource, when available.
Medical Consultation and Monitoring
If you are hospitalized, the hotline center medical staff will
keep in frequent contact with you and your local physician to
get information on the care you are receiving and to determine
the need for further assistance. We will also contact your
personal physician and family at home, if necessary.
On-Site Hospital Payments
We will advance payments to Hospitals or guarantee
payments up to the amount provided in medical expense
coverage (see Emergency Medical and Dental Benefits), if
needed, to secure your Medically Necessary admission to a
Emergency Medical Transportation
If your emergency is immediate and life threatening, seek
local emergency care at once.
Your emergency medical transportation limit is the total
amount available for all covered services described
below. Please refer to your Schedule of Coverage to
confirm that you have this benefit in your plan and your
total dollar limit.
You or your representative must contact us and we must
make all transportation arrangements in advance. We will
not pay for any of the services listed in this section if we
didn't authorize and arrange it.
Moving you to a Hospital or medical clinic (emergency
If you're seriously ill or injured during your trip and our medical
team determines that the local medical facilities are unable to
provide appropriate medical treatment:
Getting you home after your care (medical repatriation)
If you're seriously ill or injured during your trip, under the care
of a local doctor and unable to continue your trip, medical
repatriation takes place once our medical team determines
that you are medically stable to return home via commercial
transportation carrier, such as a scheduled passenger airline.
- our medical team will consult with the local doctor;
- we'll identify the closest appropriate facility, make
arrangements and pay to transport you to that facility; and
- we'll arrange and pay for a Medical Escort if we determine
one is necessary.
Bringing a friend or family member to you (transport to
- arrange and pay (less any refunds for unused tickets) for
you to be transported via a commercial transportation
carrier in the same class of service that you were booked
for your trip. The transportation will be to one of the
- your primary residence;
- a location of your choice in the United States; or
- a medical facility near your primary residence or city of
your choice in the United States. We'll take your
request into consideration as long as the medical
facility will accept you as a patient and is approved as
medically appropriate for your continued care by our
- arrange and pay for a Medical Escort if our medical team
determines a Medical Escort is necessary.
If you're told you will be hospitalized for more than seven days
during your trip, we'll transport a friend or family member to
stay with you. We'll arrange and pay for round-trip
transportation in economy class on a common carrier.
Getting your children home (return of dependents)
If you're told you will be hospitalized for more than seven days
during your trip, we'll arrange for and pay (less any refunds for
unused tickets) to transport your children under the age of 23
who are traveling with you to one of the following:<
Transportation will be on a common carrier in the same class
of service they were originally booked.
- your primary residence; or
- a location of your choice in the United States.
Transporting your remains (repatriation of remains)
We'll arrange and pay for the reasonable and necessary
services to transport your remains to one of the following:
We'll also assist the sending and receiving funeral homes
coordinate with each other.
- a funeral home near your primary residence; or
- a funeral home located in the United States.
This benefit does not include funeral, burial or cremation
expenses or related containment expenses for items such as a
coffin, urn or vault.
Your representative must contact us in advance to make these
arrangements. If this is not possible, your representative must
contact us within a reasonable time, but no later than one year
after the transportation.
Hospital means a provider that is a short-term, acute, general
1. is a duly licensed institution;
2. in return for compensation from its patients, is primarily
engaged in providing inpatient diagnostic and therapeutic
services for the diagnosis, treatment, and care of injured
and sick persons by or under supervision of physicians;
3. has organized departments of medicine and major
4. provides 24-hour nursing service by or under the
supervision of registered graduate nurses; and
5. is not other than incidentally: a) a skilled nursing facility,
nursing home, custodial care home, health resort, spa or
sanatorium, place for rest, place for the aged, place for the
provision of rehabilitation care; b) a place for the treatment
of mental illness; c) a place for the treatment of alcoholism
or drug abuse; d) a place for the provision of hospice care;
or e) a place for the treatment of pulmonary tuberculosis.
Medical Escort means a professional person contracted by
our medical team to accompany a seriously ill or injured
person while they are being transported. A Medical Escort is
trained to provide medical care to the person being
transported. A friend or family member cannot be a Medical
Medically Necessary means the services or supplies
provided by a Hospital, physician or other licensed provider
that are required to identify or treat your illness or injury and
which, as determined by us, are:
1. consistent with the symptom or diagnosis and treatment of
your condition, disease, illness, ailment or injury;
2. appropriate with regard to standards of good medical
3. not solely for the convenience of you, a physician or other
4. the most appropriate supply or level of service that can be
safely provided to you.
When applied to the care of an inpatient, it further means that
your medical symptoms or condition requires that the services
cannot be safely provided to you as an outpatient.
Travel Document and Ticket Replacement Assistance
The plan provides you with information to assist in obtaining
replacements of lost passports or other important travel
documents. We also help you to replace lost airline and other
travel tickets and will assist you in obtaining money for this
purpose. These funds will come from your family or friends.
We will make all the necessary arrangements for you,
including assisting you to return home if your trip is interrupted.
If you have legal problems, our hotline center staff will help
you find a local legal advisor. If you require the posting of bail
or immediate payment of legal fees, we will help arrange a
cash transfer from your family or friends.
Emergency Cash Transfer
If your cash or traveler's checks are lost or stolen, or if you
need funds for the immediate payment of unanticipated
expenses, we will help arrange to have emergency cash (in
currency, traveler's checks or any other form acceptable to us)
transmit to your family or friends. Our hotline center staff will
make all the necessary arrangements for you.
Emergency Message Center
In the event of an emergency, call the hotline center, identify
yourself by your Policy ID number, and give the hotline
coordinator your message. We will make at least 3 attempts in
24 hours to reach your requested party, and we will provide
you with an update on the disposition of our attempts to deliver
the message. (We are not responsible for delivery of a
message if the recipient cannot be reached). This service can
be used for trips anywhere in the world.
If you are faced with a canceled or missed flight, just call the
hotline center for 24-hour information on alternate flights. We
can provide you with scheduled departure and arrival times of
alternate, direct flights only. We do not book reservations or
pay for tickets. This service can be used on trips within the
U.S., Canada, the Caribbean and Mexico only.
BCS Insurance Company Privacy Notice
BCS respects the privacy of its customers and former
customers and protects the security and confidentiality of their
nonpublic personal information. To safeguard our customers'
confidential information, we comply with all applicable laws
and regulations and have instituted our own policies to: (1)
insure the security and confidentiality of customer records and
information; (2) protect against any anticipated threats or
hazards to the security or integrity of such records; and (3)
protect against unauthorized access to or use of such records
or information which could result in substantial harm or
inconvenience to any customer.
Policies and practices with respect to disclosing your
nonpublic personal information:
We do not disclose any nonpublic personal financial
information about our customers or former customers to
anyone, except as permitted by law.
Categories of nonpublic personal information that we
We collect nonpublic personal financial information about you
from the following sources: (1) information we receive from
you on applications or other forms; (2) information about your
transactions with us, our affiliates, or others, and; (3)
information we receive from a consumer reporting agency.
Policies we maintain to protect the confidentiality and
security of nonpublic personal information:
We maintain physical, electronic, and procedural safeguards
that comply with federal and state regulations to guard your
nonpublic personal financial information. We restrict access to
your nonpublic personal information to employees who need it
to provide information or services to you.
AGA Service Company d/b/a Allianz Global Assistance is the
administrator of this insurance policy on behalf of BCS
Insurance Company. We will adhere to at least the same
standards for handling and protecting your data as described
above. For more information about how we handle and
http://www.allianzassistance.com/privacy or contact us at:
Allianz Global Assistance, ATTN: Chief Privacy Officer, 2805
N. Parham Rd., Richmond, VA 23294.
Tour Protection Plan
Product ID 001001474
Schedule Of Coverage
The following maximum levels of coverage are available
to Tour Protection Plan customers.
||Amount per person
|Trip Cancellation and Interruption
||Up to Tour Cost*
|Emergency Medical/Dental Coverage
|Emergency Medical Transportation
|Baggage Delay Coverage
|Travel Delay Coverage
|Missed Connection Coverage
|Travel Accident Coverage
Benefit Limits are per covered individual.
Maximum coverage amount is $20,000
Form No. 52.401
Allianz Global Assistance
Insurance coverage is underwritten by BCS Insurance Company (OH, Administrative Office: Oakwood Terrace, IL), rated "A-" (Excellent) by A.M. Best Co., under BCS Form No. 52.401 series. Allianz Global Assistance and Allianz Travel Insurance are brands of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.
PLEASE BE ADVISED: This optional coverage may duplicate coverage already provided by your personal auto insurance policy, homeowner's insurance policy, personal liability insurance policy or other source of coverage. This insurance is not required in connection with the insured's purchase of travel tickets. Plan may not be available in all jurisdictions.
California Residents: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan. We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400.
Florida Residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida.
New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer's expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer's compensation, except as otherwise provided by law.
Utah Residents: We are doing business in Utah as Allianz Global Assistance Insurance Agency.
Product available in all state except: WA