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Insurance

Group IST wants your trip to be worry-free. It can save you time and money, and provide greater peace of mind.
The Group IST Protection Plan is affordably priced and provides valuable coverage for your vacation:

Coverage Maximum Benefit Per Person

Coverage Maximum Benefit Per Person
Trip Cancellation and Interruption
Tour Cost up to $20,000
Emergency Medical & Dental Coverage
Tour Cost up to $20,000
Emergency Medical Transportation
Tour Cost up to $20,000
Baggage Loss/Damage Coverage
Tour Cost up to $20,000
Travel Delay Coverage
Tour Cost up to $20,000
Baggage Delay Coverage
Tour Cost up to $20,000
Travel Accident Coverage
Tour Cost up to $20,000
24/7 Emergency Travel & Medical Assistance
Tour Cost up to $20,000

All states except NY, TX, CO, IN, MO, PA, WA

Trip Cost per Person Insurance Cost Per Person
$1,001- 1,500
$118.00
$1,501 – 2,000
$145.00
$2,001- 2,500
$171.00
$2,501 – 3,000
$198.00
$3,001- 3,500
$227.00
$3,501 – 4,000
$256.00
$4,001 – 4,500
$285.00
$4,501 – 5,000
$312800
$5,001 – 5,500
$350.00
$5,501 – 6,000
$383.00
$6,001 – 7,000
$448.00
$7,001 – 8,000
$521.00

Note: For trips over $8,000 per person, please call our office

Applicable to NY

Trip Cost per Person Insurance Cost Per Person
$1,001- 1,500
$79.00
$1,501 – 2,000
$109.00
$2,001- 2,500
$129.00
$2,501 – 3,000
$139.00
$3,001- 3,500
$169.00
$3,501 – 4,000
$209.00
$4,001 – 4,500
$239.00
$4,501 – 5,000
$279.00
$5,001 – 5,500
$289.00
$5,501 – 6,000
$319.00
$6,001 – 6,500
$339.00

For trips over $6,500 per person, please call our office

Applicable to TX

Trip Cost per Person Insurance Cost Per Person
$1,001- 1,500
$118.00
$1,501 – 2,000
$145.00
$2,001- 2,500
$171.00
$2,501 – 3,000
$198.00
$3,001- 3,500
$227.00
$3,501 – 4,000
$256.00
$4,001 – 4,500
$285.00
$4,501 – 5,000
$318.00
$5,001 – 5,500
$350.00
$5,501 – 6,000
$382.00
$6,001 – 6,500
$448.00

For trips over $6,500 per person, please call our office

Applicable to CO, IN, MO, PA

Trip Cost per Person Insurance Cost Per Person
$1,001- 1,500
$116.00
$1,501 – 2,000
$142.00
$2,001- 2,500
$168.00
$2,501 – 3,000
$194.00
$3,001- 3,500
$222.00
$3,501 – 4,000
$251.00
$4,001 – 4,500
$280.00
$4,501 – 5,000
$312.00
$5,001 – 5,500
$343.00
$5,501 – 6,000
$375.00
$6,001 – 6,500
$440.00

For trips over $6,500 per person, please call our office

Applicable to WA

Trip Cost per Person Insurance Cost Per Person
$1,001- 1,500
$122.00
$1,501 – 2,000
$150.00
$2,001- 2,500
$179.00
$2,501 – 3,000
$208.00
$3,001- 3,500
$237.00
$3,501 – 4,000
$269.00
$4,001 – 4,500
$302.00
$4,501 – 5,000
$335.00
$5,001 – 5,500
$370.00
$5,501 – 6,000
$405.00
$6,001 – 6,500
$475.00

For trips over $6,500 per person, please call our office

PLEASE NOTE: The following States are still pending approval and are covered under the temporary Epidemic policy below. CO,IN,MO,NY, PA, VA and WA.

Claims due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered, and coverage can vary by state. However, until further notice, although not covered under most plans, we are currently accommodating claims for: 1. Under Emergency Medical Care and Emergency Medical Transportation Benefits: Emergency medical care and emergency medical transportation for a customer who becomes ill with COVID-19 while on their trip. 2. Under Trip Cancellation or Trip Interruption Benefits: Trip cancellation and trip interruption if a customer becomes ill with COVID-19 either before or during their trip.

 Group IST strongly recommends the purchase of the Tour Protection Plan. This plan provides protection for your non-refundable tour costs and cancellation fees should you need to cancel or interrupt your trip due to unforeseen circumstances. It also provides important medical benefits and assistance while traveling. The Certificate of Insurance/Policy will be provided to you with your travel documents; it contains complete details on the coverage provided.

 

Pre-existing Conditions Exclusion and Waiver:

A Pre-existing Condition is defined as any injury that occurs before and including the effective date of insurance or any illness that occurs that occurs within 120 days before and including the effective date of insurance for which the insured has seen a doctor for treatment or diagnosis or for which symptoms exist that would cause a prudent person to seek diagnosis, care or treatment. World Access does not cover pre-existing conditions but will waive this exclusion when the following provisions are satisfied:

  • You must insure the full, non-refundable portion of your trip cost within 14 days of initial trip deposit;
  • You must be medically able to travel at the time of your insurance purchase;
  • You have not filed a claim for trip cancellation due to a pre-existing condition within the last 120 days from the effective date of insurance;
  • Your trip cost is $20,000 or less per covered person; and
  • You must be a resident of the United States.

 

The following is a brief description of the coverage available.

Trip Cancellation/Interruption*: Coverage provides financial protection for expenses related to trip cancellation or interruption caused by a covered reason. Trip cancellation provides reimbursement for prepaid, non-refundable expenses, up to the amount of coverage purchased. Trip interruption coverage offers reimbursement for the unused, non-refundable portion of the trip and increased transportation costs to return home due to a covered reason. Some covered reasons include:

  • A terrorist act committed by an organized terrorist group (recognized as such by the U.S. State Department) if it results in property damage, injury or loss of life in a domestic or foreign city within 30 days of scheduled arrival in that city.
  • Illness, injury or death of traveler, a covered family member or traveling companions. This coverage also extends to employed caregivers who live with the traveler and a person with whom the traveler lived for 12 continuous months prior to the effective date of coverage.
  • Financial default of selected airline carriers that results in the complete cessation of services. Supplier default is only provided if the traveler purchases insurance within 14 days of initial trip payment or deposit, financial default occurs more than 7 days after the policy’s effective date and the travel supplier is listed on our list of covered suppliers.
  • Strikes, natural disasters, bad weather, or FAA mandated shutdown resulting in the complete cessation of services by an airline, tour operator or cruise line for at least 24 consecutive hours.
  • Normal pregnancy (for Trip Cancellation only) of the traveler (or the anticipated due date of an immediate family member and the traveler plans to attend the childbirth), if the pregnancy occurs after the effective date of insurance.
  • Military duty
  • 24-hour delay by travel carrier: travel carrier can‘t get you to your destination for 24 hours from the scheduled arrival due to natural disaster, severe weather, strike or FAA shutdown.
  • Employee termination: must be employed with your current employer for 12 continuous months.
  • Destination uninhabitable, loss of accommodations, mandatory evacuation, or home uninhabitable.

Travel Delay*: Reimburses up to $150 per day per person for additional travel and lost prepaid expenses if your trip is delayed for five or more hours for a covered reason. Can also reimburse additional transportation expenses if you miss your cruise or tour because of a covered delay.

 

Covered reasons for epidemics:

  • The following benefits now include epidemic-related illness as a covered reason: Trip Cancellation, Trip Interruption, Emergency Medical and Emergency Transportation.
  • Denied Boarding due to suspicion of illness is now a covered reason for Travel Delay benefits.
  • Benefits for quarantine due to an epidemic only apply when an eligible traveler is specifically named and individually ordered to quarantine (not including generally or broadly applicable quarantines). Benefits may not cover the full cost of your quarantine and are subject to applicable benefit limits. See plan documents for details.

Baggage Coverage*: Provides benefits for loss, damage or theft of baggage and personal effects provided all reasonable measures to protect, save and/or recover property are taken. Coverage is secondary to coverage provided by a common carrier.
Baggage Delay*: Covers the reasonable additional purchase of essential items if baggage is delayed or misdirected by a common carrier for 12 hours or more. Receipts for emergency purchases are required.
Emergency Medical/Dental Coverage*: Provides benefits for emergency medical or dental expenses incurred during the coverage period. Services must be provided by a licensed provider and must take place during the trip.
Emergency Medical Transportation: Pays for emergency medical transportation services as a result of an injury or illness to have the traveler moved to the nearest appropriate facility. Once you are able, we will also have the traveler returned home.
Travel Accident Insurance*: Provides coverage up to the maximum amount listed on the brochure for loss of life, limb or eyesight within 365 days of a covered accident.
Missed Connection*: Provides reimbursement of up to $500 to cover certain expenses caused by a covered delay that forces the traveler to miss the scheduled flight or cruise.
24 Hour Emergency Travel & Medical Assistance: Multilingual representatives are on call 24 hours a day to help you solve a variety of problems, from replacing lost tickets and travel documents to making cash transfers

 

Exclusions

This is a named peril plan and contains exclusions. This means that not every situation or event will be covered under your plan. A full list of exclusions is available in your plan documents. Exclusions may include, but are not limited to, pre-existing medical conditions (unless you qualify for a waiver of this exclusion), known and foreseeable events such as certain weather and political events/situations, mental or nervous health disorders, the use or abuse of drugs and alcohol, and participation in extreme high risk sports. Other exclusions apply. Questions? Contact us at 800.284.8300.

 

Pre-Existing Medical Conditions Coverage & Exclusions

A pre-existing medical condition is an injury, illness or medical condition that exhibited symptoms or was treated on, or within the 120 days prior to, the purchase date of your plan. This plan waives the exclusion for pre-existing medical conditions if the following conditions are met: a. Your policy was purchased within 14 days of the date of the first trip payment or deposit; b. You were a U.S. resident when the policy was purchased; c. You were medically able to travel when the policy was purchased; and d. On the policy purchase date, you insured the full non-refundable cost of your trip with us. This includes trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date.

Maximum coverage for pre-existing medical conditions is limited to the trip cancellation or trip interruption coverage limit (as applicable), not to exceed $20,000.

Please be Advised: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions.

Getting The Word Out

Our experienced staff will guide you as to how you can generate interest, use collateral materials, technology and other proven methods to encourage participation.