Faye Travel Protection – Peace of Mind for Every Trip

Base Plan Benefits and Coverage

The Base Plan includes a range of benefits to protect travelers from common inconveniences and emergencies.

• Trip Delay coverage up to $300 per day, maxing at $2,100.
• Travel Inconvenience coverage up to $600.
• Baggage Delay and Flight Delay coverage of $200 each.
• Baggage and Personal Effects coverage up to $750.
• Replacement for travel documents up to $50.

Optional Bundles for Enhanced Coverage

Faye offers several optional bundles that can be added to the Base Plan for additional protection.

• Trip Cancellation/Interruption Bundle covers up to 100% of non-refundable trip costs.
• Cancel For Any Reason Bundle allows cancellation for any reason, covering up to 75% of non-refundable trip costs.
• Trip Delay Upgrade Bundle increases trip delay coverage to $4,500.

Medical Bundles for Health Protection

Faye provides various Medical Bundles to ensure travelers are covered in case of health emergencies.

• Medical Bundle 1A offers up to $500,000 for medical evacuation and $50,000 for accident and sickness medical expenses.
• Medical Bundle 1B increases accident and sickness coverage to $250,000.
• Medical Bundles 1C and 1D include coverage for adventure or extreme activities.

Travel Assistance Services Offered

Faye includes a range of non-insurance travel assistance services to support travelers during emergencies.

• Services include medical referrals, hospital admission guarantees, and lost baggage retrieval.
• 24/7 assistance is available for emergencies, with a dedicated hotline for immediate support.
• Identity Theft Resolution Services help restore identity in case of theft during travel.

Important Policy Information and Cancellation

The policy includes a 14-day free look period for cancellation without penalty.

• Travelers can cancel within 14 days of the effective date for a full premium refund, provided no claims have been made.
• The policy is a legal contract that outlines the benefits and coverage provided by Faye Travel Protection.

Coverage Provisions and Eligibility

This section outlines the coverage provisions available under the travel insurance policy and specifies who is eligible for coverage. Coverage is available for individuals who are booked to travel and have paid the required premium.

• Coverage is provided for individuals who are citizens or residents of the United States.
• The policy includes various sections detailing coverage for travel arrangements, belongings, and medical expenses.
• Claims may be denied if eligibility is not met at the time of the claim.

Schedule of Benefits Overview

The Schedule of Benefits details the maximum benefit amounts for various coverage options included in the policy. It provides a clear breakdown of coverage limits for different scenarios.

• Base Plan offers up to $300 per day, with maximum of $2,100.
• Optional Trip Cancellation covers up to 100% of the non-refundable insured trip cost.
• Optional Trip Interruption covers up to 150% of the non-refundable insured trip cost.
• Baggage and Personal Effects coverage is up to $750, with specific sub-limits for items like passports and credit card charges.

Coverage Start and End Dates

This section explains when coverage begins and ends for various types of insurance included in the policy. It is crucial for policyholders to understand these timelines to ensure they are covered when needed.

• Coverage begins at 12:01 a.m. the day after the premium is received for trip cancellation.
• Coverage for rental car damage starts when the rental agreement is signed.
• All other coverages begin when the trip starts and end upon completion of the trip or cancellation.

Extensions of Coverage

The policy includes provisions for automatic extensions of coverage under certain circumstances. This ensures that travelers remain protected in unforeseen situations.

• Coverage is extended if the trip is delayed due to unavoidable circumstances beyond control.
• Medical evacuation and repatriation benefits are extended if a physician certifies that the insured is not medically fit to travel.

Travel Arrangement Protection Benefits

This section details the various optional travel arrangement protection benefits available to policyholders. These benefits provide financial protection against unforeseen events that may disrupt travel plans.

• Optional Trip Cancellation can reimburse up to 100% of non-refundable trip costs.
• Optional Trip Interruption can reimburse up to 150% of non-refundable trip costs.
• Additional benefits include coverage for missed connections and trip delays.

Protection for Personal Belongings

The policy provides coverage for personal belongings, including baggage and personal effects. This section outlines the maximum benefit amounts and specific limitations.

• Baggage and personal effects coverage is up to $750.
• Baggage delay coverage is available for delays of 12 hours or more, up to $300.
• Specific sub-limits apply to items like passports and credit card charges.

Medical and Emergency Benefits

This section outlines the medical and emergency benefits available under the policy. It includes coverage for medical expenses incurred during the trip.

• Optional Accident & Sickness Medical Expense covers up to $50,000.
• Emergency medical evacuation and repatriation of remains are covered up to $500,000.
• Dental expenses are covered up to $750.

Exclusions and Limitations

The policy includes specific exclusions and limitations that may affect coverage. Understanding these exclusions is essential for policyholders to avoid unexpected denials of claims.

• Pre-existing medical conditions are not covered.
• Routine physical examinations and elective treatments are excluded.
• Coverage does not apply to losses resulting from illegal activities or acts of war.

Claims Procedures and Filing

This section provides guidance on the procedures for filing claims under the policy. It is important for policyholders to follow these steps to ensure their claims are processed efficiently.

• Claims must be reported within 20 days of the loss.
• Proof of loss must be submitted within 90 days.
• Documentation such as receipts and police reports may be required for certain claims.

Amendatory Endorsements Overview

The document outlines specific amendments to insurance policies for California, Colorado, Michigan, and Texas residents. These amendments modify various definitions, provisions, and claims processes to comply with state regulations.

California Policy Amendments

The policy is revised to align with California laws, particularly regarding eligibility for coverage and definitions of domestic partnerships.

• Coverage is available only for U.S. citizens or residents who pay the required premium.
• The definition of Domestic Partner is clarified, requiring a Declaration of Domestic Partnership and specific eligibility criteria.
• Injury is defined as an accidental bodily injury requiring physician verification.
• Medically Necessary treatments must meet accepted medical standards and be ordered by a physician.
• The term Spouse includes Domestic Partners and civil union partners.
• Usual and Customary charges are defined based on regional standards.
• Key exclusions and limitations are revised to clarify coverage conditions.

Colorado Policy Amendments

The policy includes new provisions for Colorado residents, enhancing claims processing and notice requirements.

• Claims payments are to be made immediately upon receipt of proof of loss, with periodic payments made monthly.
• Notice of Claim must be reported within 20 days after a loss occurs.
• The provision regarding Disagreement Over Size of Loss is voided.
• Concealment and Misrepresentation provisions are revised to void coverage for intentional misrepresentation.
• The exclusion for suicide and self-inflicted injuries is updated to include traveling companions and family members.

Michigan Policy Amendments

The policy is updated for Michigan residents, focusing on legal actions and exclusions related to criminal acts.

• Legal actions against the insurer must be initiated within 60 days after proof of loss is provided and within 6 years of the loss.
• Criminal acts will not void coverage unless there is a conviction or plea deal.
• Rental Property Damage Liability exclusions are specified, including intentional acts, gross negligence, and damage due to pets.

Texas Policy Amendments

The policy amendments for Texas residents address concealment, proof of loss, and claims payment timelines.

• The Concealment and Misrepresentation provision is revised to void coverage for any material misrepresentation.
• Proof of Loss must be provided within 90 days of the insurer's request, with a maximum of 12 months allowed.
• Claims must be accepted or rejected within 15 business days, with payment made within 5 business days after acceptance.
• The Disagreement Over Size of Loss provision is voided.

Privacy Notice Overview

The document outlines the privacy practices of the United States Fire Insurance Company regarding the collection and use of personal information.

• The company collects nonpublic personal information to administer insurance policies and comply with legal requirements.
• Information is obtained primarily from the insured and may include data from third parties.
• The company does not sell personal information and maintains safeguards to protect it.
• California residents have additional rights under the CCPA, including the right to request information and deletion of personal data.