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What Coverages Are Available? How Much Coverage Do I Need? Do I Need Supplier Default Coverage? Do Limitations of Exclusions Apply? Is This Primary or Supplemental Insurance? How Much Does It Cost? How Do I Apply? How Do I Proceed If A Claim Occurs? Q:
WHY
BUY VACATION INSURANCE?
Q: WHERE SHOULD I BUY COVERAGE? A: You can always obtain this type of insurance through a travel agency but that source is relatively expensive. ICR works with Tourist Insurance Agency (TIA) because it offers low-cost coverage as well as the following additional advantages:
Q: WHAT COVERAGES ARE PROVIDED? A: The package consists of:
Q: HOW MUCH COVERAGE DO I NEED? A: CANCELLATION INSURANCE The amount to insure is the amount of money you would lose if you have to change or cancel your booking with Intrawest Central Reservations before departure. That can be as much as 100% of your travel arrangements so we recommend that you insure the full trip price for all travelers (including tax). The amounts of insurance for all other benefits is pre-set. For details, go to Description of Coverage.
Q: DO I NEED TO BUY SUPPLIER DEFAULT COVERAGE? A: Not if you pay for the travel arrangements by credit card. That is your best and least expensive protection against failure of a travel supplier. In Canada, residents of British Columbia, Ontario, and Quebec are protected by government compensation funds. Some insurance vendors advertise that their cancellation insurance includes coverage for supplier default but restrictions in the scope of coverage make it of limited value and it is more expensive than protection offered by Intrawest Central Reservations.
Q: DO LIMITATIONS OR EXCLUSIONS APPLY? A: Yes, as with all insurance policies, the terms and conditions are limited. To familiarize yourself with these provisions before enrolling, you may examine a Description of Coverage online or we can mail one to you. Benefits are provided in accordance with that document and you should take time to review the scope of coverage before you buy. If you have any questions, simply contact Tourist Insurance for more information.
Q: IS THIS PRIMARY OR SUPPLEMENTAL INSURANCE? A: All benefits are secondary to whatever insurance you may already have in force. Most travelers do not have cancellation coverage present in any other policy so this benefit generally is the sole source of reimbursement. Other benefits such as baggage coverage often are present to some degree in existing policies (homeowner's insurance) or in the liability agreements of airlines and other carriers. In that case, benefits from all sources of recovery will be coordinated in event of a covered loss. That means each party will contribute its share so that you will be fully reimbursed.
Q: HOW MUCH DOES IT COST? HOW DO I BUY COVERAGE? A: The cost is 6% of your reservation price (including tax). Ask your Intrawest Travel Consultant at 888/ 284-9999 for details on how to add Vacation Insurance to your plan at time of booking or simply add Vacation insurance to your already-booked plan online within 48 hours of booking your plan Add the insurance cost to the deposit on your trip. Coverage must be purchased within 48 hours of making your reservation. Upon receipt of your insurance payment, Intrawest Central Reservations will send a Description of Coverage to you. Once cancellation insurance is declined, it cannot be purchased at a later date.
Q: WHAT DO I DO IF I HAVE A CLAIM? A: In event of a cancellation claim before departure, notify Intrawest Central Reservations immediately. If a medical emergency arises during your trip, call the toll-free number of SelectCare which appears in your Description of Coverage. All other claims should be reported in writing to Tourist Insurance as soon as you return home. You may request a claim form online. |