These Frequently Asked Questions provide you with the answers to help you learn more about the Elite Destinations annual travel insurance.

What is Elite Destinations annual travel insurance?
Why should I purchase Elite Destinations annual travel insurance?
What will the 24-hour Hotline Help do for me?
Can I cancel my trip for any reason and get all my money back?
Are there events or medical conditions that are not covered?
Who provides the insurance for Elite Destinations policies?
Is my family covered under the Elite Destinations annual travel insurance?
When does coverage of Elite Destinations annual travel insurance begin?
Will you refund the premium?
How much does travel insurance cost?
How do I file a claim?
Who can I call if I have questions about Elite Destinations insurance?
When is the best time to purchase Elite Destinations annual travel insurance in order to be covered?

What is Elite Destinations annual travel insurance?
Elite Destinations annual travel insurance provides worldwide 24-hour emergency travel assistance, emergency medical transportation, emergency medical/dental coverage, rental car collision/loss damage (Premier products only), travel accident insurance and baggage protection. Plus, Elite Destinations Premier provides trip interruption/cancellation and concierge services.

Why should I purchase Elite Destinations annual travel insurance?
Annual travel insurance insures your financial investment (up to the amount of your policy limits) due to unforeseen circumstances for all of your travels throughout the year with just one purchase. You'll recoup the cost of non-refundable prepayments and medical expenses that may unexpectantly arise. See the Certificate of Insurance/Policy for coverage details.

What will the 24-hour Hotline Help do for me?
The 24-hour hotline is staffed with multilingual specialists, trained to help travelers with emergency medical, legal or travel help. And should a medical emergency arise, we will coordinate medical assistance and emergency transportation. For those that purchase the Premier level, Concierge services are also available in case you need assistance with making dining reservation, securing hard-to-get tickets, locating artwork and even handling shipping services for precious items procured abroad.

Can I cancel my trip for any reason and get all my money back?
No. Coverage will only refund prepaid, non-refundable payments if you have to cancel for a covered reason. Covered reasons include sudden medical emergencies, death of a family member or traveling companion, certain terrorist acts, bad weather that completely shuts down your common carrier, or being called for jury duty. There are other reasons as well; see the Certificate of Insurance/Policy for complete details. Please note that no benefits will be extended for cancellations due to business obligations or simply changing your mind, as these are not covered reasons.

Are there events or medical conditions that are not covered?
Every insurance plan contains restrictions and limitations. existing medical conditions are one of these limitations. For more information, please refer to the Certificate of Insurance/Policy, or contact Elite Destinations at 800-260-8635 to receive more detailed information.

Who provides the insurance for Elite Destinations policies?
The insurance coverage from Mondial Assistance is provided under Form No. 52.401 or 52.201 issued by BCS Insurance Company or Form No. 101-C-XX-01 or 101-P-XX-01 issued by Jefferson Insurance Company. BCS Insurance Company is rated "A-"(Excellent), and Jefferson Insurance Company is rated "A" (Excellent) by A.M. Best Co. Your insurance comes with certain limitations and exclusions. Please refer to the Certificate of Insurance/Policy for the exclusions, limitations, and conditions that may apply.

Is my family covered under the Elite Destinations annual travel insurance?
Yes. Family coverage includes you and your family members or domestic partner living in the same household, whether you travel separately or together.

When does coverage of Elite Destinations annual travel insurance begin?
Coverage begins at 12:01 a.m. on the date shown on the Letter of Confirmation, subject to payment of premium, and ends at 12:01 a.m. on the 366th day after the Coverage Term start date.

Will you refund the premium?
We offer a 10-day Satisfaction Guarantee. We will refund your insurance premium if you cancel your insurance within 10 days of purchase and have not filed a claim or departed on your trip.

How much does travel insurance cost?
We offer different levels of coverage based on your needs. See the Product Comparison Chart for details.

How do I file a claim?
To file a claim, you can call Elite Destinations anytime to speak with a Claims Representative. The Claims Representative will begin the claim and indicate what documentation you will need to provide to file your claim.

Who can I call if I have questions about Elite Destinations insurance?
Call us toll free at 1-800-260-8635.

When is the best time to purchase Elite Destinations annual travel insurance in order to be covered?
Right away! You can buy Elite Destinations annual travel insurance up until the day before you leave on your trip, but we recommend you purchase as early as possible to have the greater peace of mind that comes with knowing you're covered. And once you purchase it the first time, you're covered for all trips for a year!