Consumer Notices

There is important information relating to our travel insurance plans that travelers should know. To provide transparency, we have provided you with consumer notices. It is important as an insured to know your rights as well as your responsibilities. If you should file a claim, understanding your plan, benefits and responsibilities will aid in the process.

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Consumer Disclosure Information

This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provide you with similar benefits, but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker. Purchasing travel insurance is not required in order to purchase any other products or services offered by the Travel Retailer.

What A Travel Retailer May Do:

Employees of a Travel Retailer may transact Travel Insurance on our behalf and under our direction, including:

  • Offering/disseminating information on our behalf, including brochures, buyer guides, descriptions of coverage, and price
  • Referring specific coverage/feature/benefit questions to us
  • Disseminating/processing applications for coverage, coverage selection forms, or other similar forms
  • Collecting premiums on our behalf
  • Receiving/recording information to share with us

What A Travel Retailer May Not Do:

The Travel Retailer’s employees are not qualified or authorized to:

  • Answer technical questions about the benefits, exclusions or conditions of any of the insurance offered by the Travel Retailer; or
  • Evaluate the adequacy of a prospective insured’s existing insurance coverage

Definitions

“Travel Insurance” means coverage for personal risks incidental to planned travel, including one or more of the following:

  • Interruption or cancellation of a trip or event
  • Loss of baggage or personal effects
  • Damage to accommodations or rental vehicles
  • Sickness, accident, disability, or death occurring during travel

The following are excluded from the definition of Travel Insurance:

  • Major medical plans, which provide comprehensive medical protection for travelers on trips lasting 6 months or longer (e.g. working overseas, deployed military personnel, etc.)
  • In some states, damage waiver contracts that are part of a rental company’s agreement
  • The phrase “damage waiver” or “collision damage waiver” cannot be used to describe travel insurance coverage, but the travel insurance contract may otherwise refer to “damage waiver” or “collision damage waiver” provided by a rental company

“We, Us or Our” means Trip Mate, Inc.

DISCLOSURE TO CALIFORNIA RESIDENTS: [1754(a)(7) & (8)]

Purchasing travel insurance is not required in order to purchase any other product or service offered by the travel retailer. Your travel retailer may not be licensed to sell insurance, and is therefore not qualified or authorized to:

  • Answer technical questions about the benefits, exclusions, and conditions of any of the insurance offered by the travel retailer
  • Evaluate the adequacy of your existing insurance coverage

This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provide you with similar benefits, but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.

DISCLOSURE TO DELAWARE RESIDENTS: [1772(2)a.7.]

The insurance coverage may duplicate existing coverages you may have. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies, and other sources of protection.

DISCLOSURE TO MARYLAND RESIDENTS: [10-122 (d)(1)(ii)(4)]

This insurance coverage may duplicate certain provisions of insurance coverage already provided by your homeowner’s, renter’s or similar coverages or insurances, and that the purchase of travel insurance would make travel insurance primary to any other duplicate or similar coverage.