Travel Protection Plan

EXPLORICA’S TRAVEL PROTECTION PLANS

Through Trip Mate, our third-party travel protection plan provider, four out of five Explorica travellers protect their tours with our travel protection plans. Explorica offers two great plans that help protect your educational travel investment.

EXPLORICA’S TRAVEL PROTECTION PLAN

Trip Mate’s standard travel protection plan may cover you for the following events:

  • Trip cancellation or interruption due to school board cancellation (including teacher labour strike, teacher union-directed work-to-rule job action, or school board determination of risk of harm)
  • Theft of passport or visas
  • Flight cancellations due to strike or bad weather
  • Loss of luggage and personal effects
  • Trip cancellation or trip interruption due to covered reasons such as a covered sickness, illness, injury or death
  • Trip cancellation or trip interruption due to terrorist acts, as defined.

EXPLORICA’S TRAVEL PROTECTION PLAN PLUS

Along with providing you the same benefits as our standard Travel Protection Plan, the Explorica Travel Protection Plan Plus also includes a Cancel For Any Reason Waiver.

With our Cancel For Any Reason Waiver, if you cancel your trip for any reason not otherwise covered by this policy, we will reimburse you for 75% of the non-refundable cancellation fees which apply to your trip, provided:

1) Payment for this plan is received by Explorica within 14 days of your initial deposit/payment for your trip; and

2) you cancel your trip thirty (30) days or more before your scheduled trip departure date.

This Cancel For Any Reason Waiver does not cover: 1) penalties associated with any air or other travel arrangements not provided by Explorica; or 2) the failure of Explorica to provide the bargained-for travel arrangements due to cessation of operations for any reason.

The Cancel For Any Reason Waiver is provided by Explorica and is not an insurance benefit underwritten by Arch Insurance Canada, Ltd. and must be purchased within 14 days of your initial payment for your trip.

TRAVEL PROTECTION PLAN BENEFITS

The following benefits apply to both of Explorica’s high-quality travel protection plans:

Trip Cancellation or Interruption.

If you have to cancel or interrupt your Explorica trip after departure due to a covered injury, sickness, or death (your own or that of a travelling companion or a family member) or for other covered reasons such as: cancellation or interruption of your trip due to: inclement weather, unannounced strike, or mechanical breakdown that causes complete cessation of services of your common carrier for at least 12 consecutive hours; a documented traffic accident while en route to departure; being hijacked or quarantined; jury duty; destruction of your primary residence or destination by fire, flood, burglary or natural disaster; being called to the emergency service of government to provide aid or relief in the event of a natural disaster; a documented theft of passports or visas; a transfer of employment of 250 miles or more; a terrorist incident which occurs in a city listed in the itinerary of your trip provided the terrorist incident occurs within 30 days prior to the scheduled departure date for your trip; or revocation of military leave due to war.

You are also covered in the event of cancellation of your trip by the school board due to a teacher’s labour strike or the school board determines there is a risk of harm to you during your trip when you are scheduled to visit a destination listed on the itinerary of your insured trip Applicable to elementary or high schools only, the school board cancels your trip due to a union-directed work-to-rule job action.

Travel delay

Reimburses up to $100 per day (maximum of $500) for reasonable accommodation and travelling expenses until travel becomes possible if you are delayed for 12 hours or more due to a covered reason such as a common carrier delay; injury, sickness, or death of you or your travelling companion; quarantine; loss of passport, travel documents, or money; or natural disaster.

Medical expense/emergency evacuation

Provides reimbursement up to $1,000,000* for reasonable and customary medical expenses incurred while on your trip; emergency dental treatment received during your trip not to exceed $750; up to $50,000 for the cost of emergency evacuation to home or an appropriate hospital, including escort expense (both, if deemed necessary by the attending physician), for a covered injury or sickness which occurs while on your trip; or the cost of homeward carriage if deceased.

*The accident and sickness medical expense benefits of this plan are subject to a maximum benefit limit of $25,000 for those persons who at the time of a covered injury or sickness do not have valid hospital and medical insurance under a Government Health Insurance Plan of a province or territory of Canada.

Baggage & personal effects

Baggage & personal effects. Coverage up to $2,000 for direct physical loss or damage to your baggage, passports, or visas while on your trip. A $600 maximum limit applies to jewellery, gems, watches, cameras and camera equipment, and furs; a $300 per article limit applies to all other items. If, while on your trip, your baggage is delayed for more than 24 hours, we will reimburse you up to $100 for the purchase of necessary additional clothing and personal articles.

Pre-existing conditions waiver

The plan exclusion for pre-existing conditions is waived if you purchase the plan within 14 days of your initial deposit/payment for your trip; the booking for the trip is your first and only booking for this travel period and destination; and you are not disabled from travel at the time you make your payment for this plan.

Baggage & personal effects

Coverage up to $2,000 for direct physical loss or damage to your baggage, passports, or visas while on your trip. A $600 maximum limit applies to jewellery, gems, watches, cameras and camera equipment, and furs; a $300 per article limit applies to all other items. If, while on your trip, your baggage is delayed for more than 24 hours, we will reimburse you up to $100 for the purchase of necessary additional clothing and personal articles.

Pre-existing conditions waiver. The plan exclusion for pre-existing conditions is waived if you purchase the plan within 14 days of your initial deposit/payment for your trip.

INFORMATION YOU NEED TO KNOW: Benefits on this page are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all insurance coverages. This advertisement does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits, limits and provisions may vary by state jurisdiction. Full plan details are available by searching our website for “Travel Protection Plan,” or at any time by request.  Or, go online to: www.tripmate.com/wpAC433C.

View Trip Mate’s complete Travel Protection Plan details and current Travel Insurance Certificate at www.tripmate.com/wpAC433C.

For inquiries regarding the Explorica Travel Protection Plan: Trip Mate, Inc. (In CA & UT, dba Trip Mate Insurance Agency), 9225 Ward Parkway, Suite 200, Kansas City, Missouri 64114; tel. 1.800.888.7292.

Explorica’s Insurance Benefits are underwritten by: Arch Insurance Canada, Ltd., 77 King Street West, Suite 3600, Toronto, Ontario, Canada M5K 1K2.

The cost for Explorica’s Travel Protection Plan is CAD $15 per day of your tour, maximum $225. This plan should be purchased at the time of enrolment, and cannot be refunded  (after the Province-required free look period).

The cost for Explorica’s Travel Protection Plan Plus is $20 per day of your tour, maximum $300. This plan should be purchased at the time of enrolment, and cannot be refunded(after the Province-required free look period).

HOW TO SUBMIT A CLAIM

Before you submit a claim to Trip Mate through your Travel Protection Plan, there are a few things you'll need to have ready:

  • Your Plan Number: AC433C
  • The departure and return date of your trip
  • Depending on the reason for the claim, Trip Mate may indicate further documentation is required.

Claims may be reported to Trip Mate by any of the following methods:

  • Online – visit https://www.travelclaimsonline.com/
  • Phone – call to 1-888-421-5378 during business hours
  • Fax – 1.816.523.3379
  • Mail – Arch Canada Claims Administration
    c/o Trip Mate, Inc.
    P.O. Box 481126
    Kansas City, MO 64148-1126

If you choose to submit your claim online, you will be prompted to enter your plan number (noted above), and then redirected to the form you will fill out under Arch Insurance Canada, Ltd. Please be sure to fill in the fields marked with asterisks.

Please note once finished with the online form, you must print, sign, and send it to Trip Mate.

POLICY LIMITATIONS AND EXCLUSIONS

Benefits are not payable for any loss due to, arising or resulting from: due to a Pre-Existing Condition, as defined in the plan. This Pre-Existing Condition exclusion does not apply to the Emergency Medical Evacuation or Repatriation of Remains coverage; suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane; war, invasion, acts of foreign enemies, hostilities between nations (whether declared or undeclared), or civil war; participating in maneuvers or training exercises of an armed service or police force of any country; riding or driving in races, or speed or endurance competitions or events; mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment); participating as a professional in a stunt, athletic or sporting event or competition; participating in skydiving or parachuting (except parasailing), hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, any race or speed contests (not  including any regatta races), scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive, and spelunking; piloting or learning to pilot or acting as a member of the crew of any aircraft; being Intoxicated or under the influence of any controlled substance unless taken as administered or prescribed by a Physician; the commission of or attempt to commit a felony or being engaged in an illegal occupation; normal pregnancy (except complications of pregnancy) and/or resulting childbirth, except as otherwise covered under Trip Cancellation or Trip Interruption, or voluntarily induced abortion; any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law; a loss or damage caused by detention, confiscation or destruction by customs official; any non-emergent treatment or surgery, routine physical examinations, hearing aids, eye glasses, contacts or any Elective Treatment and Procedures; any loss occurring during a Trip booked or taken for the purpose or intent of securing medical treatment; failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the  bargained-for travel arrangements for reasons other than Bankruptcy or Default; business, contractual or educational obligations of You, a Family Member, Business Partner, or Traveling Companion; a mental, or nervous or psychological disorder, unless Hospitalized for that condition while the plan is in effect for You; a loss that results from an illness, disease or other condition, event or circumstance that occurs at a time when the plan is not in effect for You; Bankruptcy or Default or failure to supply services by a Travel Supplier; directly or indirectly, the actual, alleged or threatened use, discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive weapon, device, material, gas, matter or contamination; traveling against the advice of a Physician and any loss occurring during such a Trip; expenses resulting from a motor vehicle accident, unless You are properly licensed to operate the vehicle at the place and time of the Accident; treatment, services or expenses related to or resulting from travel in a specific country, region or city for which Foreign Affairs and International Trade Canada has issued a formal Travel Warning, before Your departure date, advising Canadians to avoid all travel to that specific country, region or city; or Sickness or Injury resulting from a motor vehicle accident where You are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance.


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