The Member may travel immediately upon authorization from the Travel Assistance Service Provider. Benefits will be payable up to the Maximum Coverage Amount as shown in the Schedule of Cover. Services must be arranged and provided through the contracted Travel Assistance Service Provider. Benefits will be payable for the Member’s transportation to the Family Member’s Country of Residence (or if required the burial funeral home). Travel expense will be based on the cost of Economy Transportation and subject to the Maximum Combined Single Limit Amount. Expenses that exceed the Maximum Coverage Amount or that are not arranged through the contracted Travel Assistance Service provider are the responsibility of the Member and no benefits will be payable. Benefits are not payable for hospital stays less than 5 days. Our claims numbers are- 1 866 509 7715 Toll free in the USA / Canada and you can call collect on 603-328-1964 from all other parts of the world.
Notice of claim must be reported within 20 days after a loss occurs or as soon as is reasonably possible. You or someone on your behalf may give the notice. The notice should be given to the Company, Travel Assistance Service Provider or designated representative and should include sufficient information to identify The Member.
When notice of claim is received by the Company or designated representative, forms for filing proof of loss will be furnished. If these forms are not sent within 15 days, the proof of loss requirements can be met by sending a written statement of what happened. This statement must be received within the time given for filing proof of loss.
Proof of loss must be provided within 90 days after the date of the loss or as soon as is reasonably possible. Proof must, however, be furnished no later than 12 months from the time it is otherwise required, except in the absence of legal capacity.
The Company or its designated representative will pay the claim after receipt of acceptable proof of loss.
Benefits are payable directly to the provider of the service(s) where appropriate. All benefits not paid to the provider will be paid to the primary Member. If the primary Member is deceased, and a beneficiary is not otherwise designated benefits will be paid to the surviving Family Member eligible to receive the payment. The Company may pay up to $1,000.00 to an eligible Family Member to whom the Company finds entitled to the payment. Any payment made in good faith shall fully discharge the Company to the extent of such payment.
The cover provided by this Plan shall be in excess of all other valid and collectible Insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible. Recovery of losses from other parties does not result in a refund of Membership Fee paid.