Trip Insurance
Every summer we hope that all of our travelers can attend and complete their program. Unfortunately, circumstances can arise that could cause you to cancel or interrupt your program. We know how disappointing it is to be forced to cancel, or have an illness or injury interrupt your trip. To minimize the emotional and financial strain these situations can bring, we strongly recommend trip cancellation and interruption travel protection.
It is essential that every traveler has adequate medical insurance. Please check with your health insurer on the coverage your personal policy provides while traveling away from home, especially if traveling outside the country. In addition to many other benefits, the insurance packages we offer will cover your deductibles up to the covered amount. Please understand we cannot accept the responsibility of uninsured or underinsured trip members.
U.S. Residents • Canadian Residents • International Residents
Travel Protection for U.S. Residents
The available insurance plan is offered and administered by Travel Insured International (a Crum & Forster Co.). Below is a short summary of some of the plan’s benefits. Certain exclusions and limitations apply and are detailed in the Certificate/Policy.
- Review the full policy booklet (you must select your state)
Please note: To take advantage of Cancel For Any Reason* and to have the Pre-Existing Condition Exclusion waived, payment for the plan must be received with or before your final payment for your program. This policy may not be purchased after you have made final payment for your trip.
*Cancel For Any Reason is not available to residents of New York state
| Benefit | |
|---|---|
| Trip Cancellation: | Trip Cost |
| Trip Interruption: | 150% of Trip Cost |
| Missed Connection: | $750 |
| Travel Delay: | $2,250 |
| Sublimit: | $150 per day |
| Hours: | 12 Hours |
| Medical Expense: | $50,000 |
| Evac/Repat: | $100,000 |
| Non-Medical Evac: | $25,000 |
| Baggage: | $1,000 |
| Per Article: | $300 |
| Combined Maximum: | $600 |
| Passport/Visa: | $50 |
| Credit Card: | $50 |
| Baggage Delay: | $250 |
| Hours: | 24 |
| CFAR *: | 75% of the reimbursable amount |
| Assistance Services: | Included |
Medical Coverage is excess – on trip only
*CFAR not available to NY Residents
Cancel For Any Reason (CFAR)
Purchasing the CFAR option gives families the peace of mind and ability to cancel their program for any reason up to 48 hours prior to departure. The policy will refund 75% of the non refundable costs of the program.
Trip Cancellation and Trip Interruption*
The coverage includes reimbursement for the non-refundable prepaid unused portions of your trip cost if you must cancel the trip before departure or interrupt the trip after departure for a covered reason such as: sickness or injury to the traveller or travelling companion; pre-existing medical conditions; death of a family member; involuntary job termination; terrorist acts; and over 10 other reasons.
If you have any questions regarding the travel protection plan, please call Travel Insured directly at 844-440-8113 from 8AM to 9PM Eastern Time Monday through Friday and refer to Plan Number 53954. They will be happy to answer specific coverage questions for you.
To report a claim, please click here and follow the instructions under “Claims”.
*Coverage terms and conditions may vary by state. Please review your state-specific plan document for a complete list of coverages, terms and conditions applicable to you.
Travel Protection for Canadian Residents
The available insurance plan is offered by Travel Insurance Professional Services (TIPS) and is underwritten by Old Republic Insurance Company of Canada. Below is a brief summary of some of the Youth Premier Plan benefits. Certain exclusions and limitations apply and are detailed in the policy booklet – please click here to view the full policy.
| Benefit | Maximum Benefit Amount Youth Premier Plan |
|---|---|
| Emergency Medical | |
| Hospital and Medical Expenses | $1,000,000 |
| Accidental Dental Expenses | $4,000 |
| Emergency Medical Evacuation | $1,000,000 |
| 24/7 Emergency Travel Assistance | Included |
| Trip Cancellation | Sum Insured |
| Trip Interruption | Sum Insured |
| Trip Delay | $1,500 |
| Baggage, Personal Effects & Passports | |
| Baggage and Personal Effects | $800 |
| Baggage Delay | $100 |
| Lost or Stolen Passport/Travel Visa | $300 |
Trip Cancellation & Interruption Insurance
The coverage includes reimbursement for the non-refundable prepaid unused portions of your trip cost if you must cancel the trip before departure or interrupt the trip after departure for a covered reason such as: sickness or injury to the traveler, travelling companion, or family member; death of a family member; involuntary job termination; pre-existing medical conditions*; and over ten other reasons. Please review the policy booklet for more information.
*Pre-existing medical conditions are covered as long as during the 60 days prior to purchasing the insurance (for Trip Cancellation coverage) or during the 60 days prior to departure (for Trip Interruption and Emergency Medical coverage), the condition did not worsen, did not require a change in medication, and did not require medical services other than routine monitoring.
Claim forms can be downloaded online at www.oldrepubliccanada.com/Claims/TIPS.
For more information please call 888.831.2222. The policy number will be provided to you after enrolling in the protection plan.
Travel Protection for Residents Outside of the U.S. & Canada
Proper medical insurance is required for all our participants and trip interruption/cancellation is strongly suggested. Plans are available from United Healthcare Global for travelers visiting North America residing outside the US and Canada. You may also wish to source travel protection locally that covers cancellation, interruption and medical.