Frequently Asked Questions
Grand Circle's Travel Protection Plan covers you if you must cancel your trip due to a covered illness or injury. A covered illness or injury must:
- Commence while the plan is in effect for you; and
- In the written opinion of the treating physician, be so disabling as to cause a trip to be canceled; and
- Require the examination and treatment by a physician at the time you cancel your trip.
Remember, it is required that you are seen or treated by your physician prior to canceling your trip. If there is an illness, injury, or death, the Attending Physician Statement (APS) MUST be completed. A note/letter from the doctor is not enough, unless it answers all the questions on the APS.
We realize that all trip protection has exclusions and limitations. That’s why we offer the Grand Circle Travel Waiver Benefit with this plan.
The Grand Circle Travel Pre-Departure Cancellation Waiver allows you to cancel your trip for any reason not otherwise covered by your trip protection package and receive a travel voucher for the amount of any cancellation penalties that can be applied to any reservation that was booked on or after the date of the cancellation for arrangements provided by Grand Circle's Travel Vouchers are valid for travel within 12 months of the date of issue, but no later than 15 months from the date your trip was canceled, for travel arrangements with Grand Circle Travel (except ocean cruise bookings/programs).
Travel Vouchers are non-transferable and not redeemable for cash. Please note: The Grand Circle Pre-Departure Cancellation Waiver does not cover penalties associated with air or other travel arrangements not provided by Grand Circle Travel unless third party air protection is purchased.
For Part A: Trip Cancellation Waiver, purchase within 10 days and your pre-existing medical condition would qualify for cash reimbursement; purchase after 10 days and receive a voucher.
For Part B: Travel Benefits, a pre-existing medical condition is an illness or injury that you, a traveling companion or family member were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it.
Please also note that you may still be covered for losses caused by reasons other than those related to a pre-existing medical condition. Terms, conditions and exclusions apply. Please see your Certificate of Insurance Policy for full details.
Allianz Global Assistance offers pre-existing medical condition coverage, as long as the following criteria is met:
- Your policy was purchased within 10 days of the date of the first trip payment or deposit
- You were a U.S. resident when the policy was purchased
- You were medically able to travel when the policy was purchased
- On the policy purchase date, you insured the full non-refundable cost of your trip with us. This includes trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date
Please see your Certificate of Insurance/Policy for terms, conditions, and exclusions. Even if you don't meet the requirements for pre-existing condition coverage, you can still purchase travel insurance, but any loss due to a pre-existing medical condition will be excluded.
A Traveling Companion, as defined under the terms of Grand Circle Travel’s Trip Cancellation Waiver, is an unrelated person you are traveling with and sharing accommodations in the same room or cabin during your trip.
If your Traveling Companion, as defined, cancels his or her trip for a reason covered by Grand Circle Travel’s trip protection package, you are protected in two ways:
- If you decide to take your trip, the plan will cover any occupancy upgrade charges which you might incur; or
- If you decide not to take your trip, your cancellation penalties will be covered by the plan.
*Reasons include: injury or death to your traveling companion which occurs before departure on your trip; your traveling companion is quarantined, required to serve on a jury, or receives a court order to appear as a witness in a legal action; your traveling companion’s home or trip destination is made uninhabitable by natural disaster and will remain uninhabitable during your scheduled departure dates; your traveling companion’s place of employment is damaged due to natural disaster and you or your traveling companion are required to remain at work as a result; your traveling companion is called to emergency military duty following a natural disaster or terrorist incident.
Your primary coverage through Part B of the trip protection plan provides reimbursement for expenses incurred during your trip due to covered medical and dental emergencies–up to a maximum amount of $50,000 for medical, with a $750 sublimit for dental. Expenses for emergency medical or dental treatment incurred after the trip are not covered.
Your Part B Travel Benefits reimburse the unused, non-refundable portion of your trip expenses and the increased transportation costs it takes you to continue your trip or return home if you, or your Traveling Companion, need to interrupt your trip for a covered reason.
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