Peace of Mind Travel Protection
As travel specialists (and travel junkies), we know how travel plans can change at the last moment. That’s why we encourage you to take advantage of our Guest Protection, offering a money-back refund if you need to cancel – right up to the day before departure. Featuring comprehensive travel protection with outstanding benefits, Culturious’ plan includes coverage for delayed or lost luggage, medical emergencies, and airfare, no matter how you booked your air! There’s no paperwork to fill out; we take care of that for you. The cost is non-refundable, and certain restrictions apply.
Our Guest Protection Product comes from our parent company Tauck, and has been consistently recognized as industry-leading. The costs is $250 per person for Tuscany & Cinque Terre.
Did you know that Tauck’s Culturious Guest Protection could protect you if:
- You become ill and can’t travel
- Someone in your immediate family has an illness or injury, even if they aren’t scheduled to travel with you
- Your child comes down with the chicken pox and you are quarantined from travel
- Your house becomes flooded due to a hurricane
- A family member back home passes away and you must return from your Culturious vacation early
- Your luggage is lost by the airlines
- You twist your ankle and must visit a doctor while traveling
- Many other unforeseeable events
Tauck’s Culturious Guest Protection includes pre-trip cancellation protection and post-departure coverage for the following:
Land Arrangements
If you cancel or interrupt your tour for ANY REASON, all land package cancellation fees imposed by Culturious will be waived.
Airfare
If you must cancel your tour due to a covered reason, our Guest Protection provides coverage for airfare cancellation charges up to your TOTAL ORIGINAL AIRFARE COST for the airfare cancellation charges for flights joining or departing your trip and/or your Culturious on-tour airfare. In addition, if you interrupt your tour due to a covered reason the plan will reimburse your additional airfare to return home or rejoin the tour, up to $3,000 for U.S./Canadian Tours and up to $7,000 for International Tours.
Partial Room Cancellation
If a person booked to share accommodations with you cancels or interrupts his/her tour for a covered reason and you continue the tour, you are covered up to your Tour Cost for the change in the per-person occupancy rate.
Trip Delay
If you should miss the departure of your vacation due to carrier-caused delays or other covered reasons, the program reimburses you for additional accommodations, meals and "catch up" transportation expenses. The plan provides reimbursement up to $750 for U.S./Canadian Tours and up to $1,000 for International Tours.
Medical Protection
If you become ill or are injured while on your trip, our Guest Protection will cover up to $5,000 in medical expenses for U.S./Canadian Tours and up to $10,000 for International Tours. The medical plan also covers emergency evacuation (up to $25,000 for U.S./Canadian Tours and up to $50,000 for International Tours) and repatriation of remains expenses (up to $25,000 for U.S. Canadian Tours and up to $50,000 for International Tours). Medical coverage while traveling overseas is particularly important as Medicare and some HMO’s may not cover medical expenses incurred outside the U.S.
Luggage Protection
Reimburses expenses up to $1,500 (U.S./Canadian Tours) or $3,000 (International Tours) for the covered loss, damage, or theft of luggage and/or personal effects during or while in transit to or from your vacation. This benefit also includes luggage delay protection, covering you for the purchase of necessary items (up to $300 for U.S./Canadian Tours or up to $500 for International Tours) in the event your luggage is delayed by a common carrier for more then 24 hours en route to your vacation.
24-Hour Worldwide Emergency Assistance
24-hour emergency telephone assistance hotline for medical and travel related problems.
Is there help when I'm traveling?
One of the valued benefits offered in our Guest Protection is the 24-Hour Emergency Assistance Service. On Call International is a leader in this field. With On Call International you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as travel changes, lost luggage, cash transfers, lost documents, medical or legal monitoring or referrals. They are also equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies. If an emergency should arise during your vacation, call On Call International immediately and give the details of your problem or medical emergency.
When is Tauck’s Guest Protection due and how do I enroll?
For your convenience, we will add the plan cost on our travel invoice and include it in the balance due. Simply pay the amount indicated on your travel invoice inclusive of this plan cost. You are enrolled upon our receipt of payment for the applicable plan cost, in addition to any required trip deposits and/or final balances.
Please be aware that it is in your best interest to purchase the program at time of deposit. The earlier effective date will protect you against unforeseen circumstances that may arise at a later date and the pre-existing exclusion.
When does coverage go into effect and will it cover me for the entire length of my vacation?
The Trip Cancellation coverage takes effect upon receipt of the required plan cost by Culturious. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. Your coverage will remain valid until 11:59 P.M. of your scheduled completion date or your return to you origination point as stated on your tickets, whichever is earlier.
Other Questions
Will my current home, renters, credit card or health insurance policies cover me during my trip?
Due to territory restrictions, many insurance policies may not offer any coverage while you travel. Still others may offer partial protection, but due to benefit limits, co-insurance and deductibles, you may not be reimbursed for the full amount incurred. Most people do not have any insurance coverage at all if they must cancel their trip. Our Guest Protection has a wide range of travel benefits that credit card, homeowners and renters insurance policies most likely do not offer. The medical coverage included in Guest Protection is absolutely vital for most people whose health insurance policies (Medicare & HMO) do not pay for medical expenses incurred outside of the United States or do not cover transportation charges due to medical emergencies.
I know that I have a pre-existing medical condition, why should I bother with Tauck’s Culturious Guest Protection?
Even if you have a medical condition that has been unstable in the 60 days prior to plan purchase, you should still consider enrolling in Guest Protection because you can waive the pre-existing condition exclusion by simply enrolling in the plan and paying for it within 10 days after the time of your initial trip payment. Doing so will remove the exclusion from the plan so that even pre-existing medical conditions can be covered. So long as you are medically able to travel at time of purchase, waiving the pre-existing condition exclusion is the easiest way to alleviate doubt as to chronic medical conditions.
I did not purchase my airfare from Culturious. Will I still have coverage for airline cancellation fees?
Yes. The Trip Cancellation benefit provided by our Guest Protection includes coverage for flights joining and departing your tour.
How do I get reimbursement if my luggage and/or personal items are damaged/ stolen/ lost while I am away?
Upon your return home, submit verification paperwork to the Plan Administrator including claim forms, loss or police reports, and store receipts. You will be reimbursed for items damaged/stolen/lost while traveling up to $1,500 for U.S./Canadian Tours and up to $3,000 for International Tours.
If I incur medical expenses during my trip, should I submit them to my primary health insurance company first?
Yes. The Accident and Sickness Medical Expense portion of our Guest Protection is excess of all other valid and collectible insurance. Guest Protection provides reimbursement, up to the maximum shown on the Schedule of Coverage, for all Covered Medical Expenses not covered under your regular health insurance policy. Guest Protection will provide reimbursement to you for deductibles and co-pays that may be imposed by your health insurance. Click here to download the Description of Coverage for a complete definition of Covered Medical Expenses.
How do I file a claim? How long does it take to receive my money back?
In the event of a claim please contact BerkelyCare, our Plan Administrator, at 1-866-808-7356. If you plan to cancel your trip due to a covered reason call Culturious and BerkelyCare immediately to initiate the claims process and to avoid additional expenses due to late notification. You can also file a claim by logging onto www.travelclaim.com and completing the Claim Information Request Form. Claim forms will be mailed to you within two to three business days. For covered emergencies during your trip which require evacuation or interruption, promptly call On Call International, the assistance company, with your policy number and emergency details.
Once BerkelyCare receives full documentation, payment for a covered claim can be generated within five business days.
How do I check on the status of my claim?
To check the status of your claim you can contact BerkelyCare at 1-866-808-7356 or you can email questions to BerkelyCare at customerservice@berkely.com.
Who is considered an Immediate Family member under the program?
Our definition of immediate family is quite broad. It’s not just family members who reside with you. Instead, immediate family includes: mother, father, grandmother, grandfather, brother, sister, brother-in-law, sister-in-law, children, grandchildren, aunts, uncles, nieces, nephews, domestic partner among others. Click here to download the Description of Coverage and see the Definitions section for a full listing.
What are the Covered Medical Expenses if I become sick or injured while on my trip?
Our Guest Protection provides coverage for a vast array of medical expenses which could be incurred as a result of a sickness or injury. Guest Protection provides Sickness and Accident Medical benefits for necessary services and supplies which are recommended by the attending physician. Covered Medical Expenses include the services of a legally qualified physician, surgeon, graduate nurse, dentist or osteopath; charges for hospital confinement and use of operating rooms; charges for anesthetics (including administration); x-ray examinations or treatments and laboratory tests; ambulance service; drugs, medicines, and therapeutic services and supplies.
Are there exclusions?
In order to provide this package of benefits, certain restrictions do apply. For example, the program does not provide duplicate payments if there are other sources of reimbursement available. Exclusions are standard in virtually every insurance product.
Also, this program provides coverage for cancellations due to covered reasons such as illness, injury and death to yourself, a traveling companion or an immediate family member as well as specified, non-medical reasons for cancellation.
What is the Pre-Existing Condition Exclusion? Can it be waived?
Guest Protection does have a pre-existing condition exclusion, which is quite liberal. The pre-existing condition limitation precludes coverage only for those medical conditions that manifested themselves, became acute, or were being treated in the 60 days before coverage goes into effect (date coverage is purchased). You may have a chronic condition that requires you to take medication and still be covered by the program. Only if the condition is unstable and/or if there has been a change in the required prescription would your condition be considered pre-existing.
Unless you, your traveling companion or a family member has a new medical condition or one that has recently "flared-up" right before you enroll in the plan, or you have had a change in your required medication, the plan should provide coverage. PLEASE NOTE: IF YOU PURCHASE THE PLAN WITHIN 10 DAYS AFTER YOUR INITIAL VACATION DEPOSIT OR PAYMENT, THE PRE-EXISTING CONDITION EXCLUSION WILL NOT APPLY.
If You Have To Cancel
Cancellation Fees - Regardless of reason, cancellations result in costly charges from travel and hotel providers covering penalties and fees incurred by canceling confirmed bookings. Therefore, the following fees will apply.
For guests choosing to purchase our Guest Protection, the only fee is the loss of the Guest Protection fee, per person.
For guests choosing not to purchase our Guest Protection, cancellation penalties are as follows:
-
60 days or more before departure:
$600 per person (the amount of the deposit)
-
59-8 days before departure
$900 per person
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7-1 days before departure
$1500 per person
In the event of an unforeseen circumstance beyond our control, Tauck reserves the right to amend the Guest Protection and cancellation terms outlined herein.
Tour Interruption Fees – If you have to interrupt your tour en route, you may be entitled to a refund for the unused land portion if it exceeds 24 hours; certain restrictions apply. Such refunds are based upon the number of overnights missed less a fee of $40 per person per day for unused transportation and other fixed expenses.
Partial Room Cancellation – A person who cancels or leaves a tour while a roommate remains constitutes a cancellation of one type of accommodation and rebooking of another type of accommodation. The price charged the remaining person is the new, higher price for the new accommodation.
Click here to download our complete Description of Coverage.