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Click on the following popular topics to quickly review the relevant Q&A discussion or continue scrolling down this page to review all available topics:

• Terrorism
• Sudden Closing of Hunting Concession
• 24 Hour Emergency Assistance
• Waiver of Pre-Existing Medical Conditions
• Sports Traveler Benefit
• U.S. or Destination Gov't Imposed Restriction on Hunting Activity
• Definition of a Family

Q: Who provides the insurance for these programs?

Allianz Travel Insurance plans are 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 to residents in all states except: WA

Q: What is travel protection?

• Travel protection is a combination of travel insurance and 24-hour emergency assistance services designed to give you peace of mind when you travel. Whether you are traveling in the U.S. or abroad, you can have peace of mind knowing that you have travel protection through Allianz Global Assistance.

Q: Why do I need travel protection?

• You need travel protection because it lets you travel with a strong sense of security. Travel protection insures your financial investment should your trip be cancelled or interrupted for a covered reason. Here are a few of the benefits you'll enjoy:

• Reimbursement of the non-refunded portion of your travel investment if your trip is cancelled or interrupted for a covered reason

• 24-hour access to emergency medical referrals and assistance

Reimbursement for unexpected travel expenses

Q: What does travel protection cover?

• The insurance component of travel protection assures that you'll be reimbursed for non-refundable financial expenses associated with a cancelled or interrupted trip, lost baggage, travel delay

Trip Cancellation/Interruption

Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled or interrupted for illness, death or other specific unforeseen circumstances. Additionally, You may cancel or interrupt your trip due to natural disasters or if there has been A restriction by the United States government or the destination state or local government authorities which has the effect of a total prohibition on the hunting activity for which You have booked Your Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting, or the hunting activity being declared illegal. Such restriction: a) must be verified by either an agency of the United States or service based in the United States or an official agency of the destination government (including but not limited to a consulate or embassy); and b) must not be imposed at the time of booking or initial deposit.

Baggage Loss / Damage

Provides reimbursement for lost, stolen or damaged baggage

Baggage Delay

Provides reimbursement for clothing, toiletries and other essential items if luggage is delayed for at least 24 hours.

Travel Delay

Provides reimbursement for meals and accommodations when a trip is unexpectedly delayed.

Trip Inconvenience

Will pay a one time fee of $500 because of a serious injury occurring to you that causes you to be medically unable to continue your activity.

Sports Equipment Coverage

Provides coverage for specialist sporting equipment due to loss or damage by a common carrier or theft of equipment during the trip.

Sports Equipment Rental Benefit

Provides reimbursement of rental costs incurred if sporting equipment is stolen or is lost, damaged or delayed by a common carrier for at least 12 hours.

Sports Traveler Benefit

In the event the trip is cancelled or interrupted due to a covered reason, coverage is provided to cover the costs of non-refundable sports related deposits and payments that were arranged separately from the vacation for pre-paid hunting licenses, including but not limited to tag fees, government fees, arms fees, lottery fees, governors tags; lift tickets; green fees; equipment rentals; and lessons.

Q: When is the best time to purchase travel protection in order to be covered?

• You can buy travel protection up until the day before you leave on your trip. If you want coverage for pre-existing conditions, and/or airline supplier default, make sure you buy travel protection within 14 days of paying your initial deposit for the trip (and for the pre-existing conditions waiver, if your trip costs less than $50,000 per person).

Q: Can I purchase the insurance after the 14 day period?

• Yes, you can purchase insurance. The only two benefits that would not be included are the Pre Existing Conditions Waiver and airline supplier default. (see below)

Q: What will the 24-hour hotline service do for me?

• Allianz Global Assistance 24-hour hotline is staffed with multilingual specialists who can help you with all types of situations from anywhere in the world, from reporting lost baggage to assisting with emergency medical treatment. They can also help you replace passports, refer you to legal assistance, secure cash in case of emergency and guarantee payment to gain admission into a hospital.

Q: Can I cancel my trip for any reason and get all my money back?

• No. Trip cancellation coverage refunds prepaid, nonrefundable payments if you have to cancel your trip for one of the reasons covered by your policy. Covered reasons include the following: sudden medical emergencies, financial default of a covered (airline) bad weather, terrorist incidents, and jury duty. Changing your mind about taking a trip or having certain business obligations are not covered. If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the occurrence, otherwise the right to compensation will lapse.

Q: Will I have to pay any deductibles?

• There is no deductible for the SCI Travel Protection Plan.

Questions about the Pre-Existing Conditions Exclusion and Waiver

Q: What is a pre-existing condition?

• A pre-existing condition is any injury or illness occurring 120 days prior to and including the effective date of this insurance.  If the condition is controlled (that is, if you don't need to change your medication or treatment during the 120-day period), it's not considered a pre-existing condition.

Q: If I have a pre-existing condition, can I still purchase insurance?

• Yes. We offer the pre-existing conditions exclusion waiver with the SCI Travel Protection Plan. In order to have the Pre-existing Conditions Exclusion waived, you must meet the following criteria:

1. You must insure the full cost of all non-refundable trip arrangements within fourteen days of your initial trip deposit
 

2. be medically able to travel at the time of purchase of insurance
 

3. have not filed a claim for trip cancellation due to a pre-existing illness within 120 days of the effective date of this insurance

This waiver is available for trips costing $50,000 or less per covered person

Q: What does Medically Able mean?

• Medically Able means that, at the time of purchase of insurance, you had no illness or injury (of which a prudent person would reasonably know or be aware) that would prevent or substantially interfere with your ability to travel.

Q: Can I cancel my trip if a terrorist act has occurred in the location where I will be traveling?

• Yes, you can cancel your trip if a terrorist act (recognized as such by the US State Department) takes place in a domestic or foreign city in which you are scheduled to arrive within 30 days following the incident.

Q: My Traveling Companion is hospitalized and must cancel their trip.  Can I cancel mine as well?

• Yes, you may cancel your trip because of any serious injury or unforeseen serious medical condition occurring to you or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel or interrupt their trip.  (traveling companion is defined as a person traveling with you who must be listed on your trip application and who shares the same accommodations as you)

Q: A government ban on hunting has been placed on my Destination.  Can I cancel my trip?

• Yes, you may cancel your trip because of a restriction by the United States government or the Destination state or local government authorities which has the effect of a total prohibition on the hunting activity for which You have booked your Trip.

Q: If my firearm that I will be using during the scheduled trip is delayed, will I be covered to rent a replacement?

• Yes, If Your sporting equipment is damaged, lost or delayed by the Common Carrier for 12 hours or more, or stolen, the program will reimburse You on one-time basis for the reasonable costs of renting sporting equipment during Your Trip.

Q: The airline I was traveling with lost my firearm.  Do you cover any of the costs associated with the purchase of a new firearm?

• Yes.  If Your sporting equipment is lost by the Common Carrier, or damaged, or stolen, We will pay up to the amount $1,500 provided You have taken all reasonable measures to protect, save and recover Your property at all times.

Q: My flight has been delayed overnight due to bad weather.  Will any accommodations be covered?

• Yes, Coverage under the program will pay $150 per day per person up to $500 for reasonable, additional accommodation and traveling expenses due to a departure delay of 6 or more hours.

Q: My wife is pregnant and I have already booked my safari.  Can I cancel my trip?

• Yes, you can cancel your safari if you are 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.

Q: Can I cancel my trip at any time for a covered reason?

• Yes. Please 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.

Q: Recently, there was a Russian Bear Hunt where hunters were at the Destination and the government outlawed the bear hunt.  What would be paid in that case?

• The following items would be reimbursed to the Insured:

1. The pro-rated portion of the pre-paid Trip missed;

2. 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 a covered reason and Yours is not;

3. Reasonable, additional travel costs for You to reach Your original destination if You must depart after Your planned departure date due to a covered reason;

4. Reasonable, additional transportation expenses needed to reach Your return destination and the unused portion of any non-refundable land, sea and air arrangements that were paid as part of Your Trip; or

5. The cost of non-refundable deposits and payments that were arranged separately from the vacation for prepaid hunting licenses, including but not limited to tag fees, government fees, arms fees, lottery fees, governors tags; lift tickets; green fees; equipment rentals; and lessons; up to a maximum of $750 per insured

Q: Two insureds are traveling together.  One insured is arrested and the Traveling Companion remains.  Can the Traveling Companion interrupt their trip and be covered?

• No.  Any unlawful acts committed by You, Family Members, or Traveling Companions, whether they are insured or not, are not a covered reason to cancel a Trip.