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Road Scholar Trip Cancellation, Interruption & Travel Delay Insurance Frequently Asked Questions


•  Why should I consider purchasing Road Scholar Trip Cancellation, Interruption & Travel Delay Insurance?
•  Is my airfare covered, even if I purchase it on my own?
•  What if I am delayed and miss the start of my program?
•  If Road Scholar cancels my program prior to the start date, is my insurance cost refundable?
•  Who is considered an “Immediate Family” member under the Insurance?
•  Would I be covered if I need to cancel or interrupt my program due to an immediate family member’s illness or injury?
•  I have a family member who is not traveling with me who has a pre-existing condition. Does the Insurance cover my program investment should I need to adjust my travel plans due to a family member’s pre-existing condition?
•  Does the plan have a Pre-Existing Condition Exclusion?
•  Are there other exclusions?
•  When does the coverage begin?
•  Will I receive a confirmation notice or some other proof that I have purchased insurance for a program?
•  How can I buy a policy for my program?
•  What do I do if I have a claim?
•  Where can I call for more information?


Q: Why should I consider purchasing Road Scholar Trip Cancellation, Interruption & Travel Delay Insurance?

A: Even at the great value that Road Scholar provides, purchasing an educational adventure can represent a significant monetary investment. This insurance helps protect your investment in the event you must cancel or interrupt your program for specified, covered reasons, such as illness, injury or death to you, your traveling companion or an immediate family member of you or your traveling companion.
For example: If an unforeseen medical problem suddenly arises causing you to cancel your Road Scholar program, miss program days, or return home prior to the end of your program, you will not receive a refund of your program payment or non-refundable airline tickets, or receive reimbursement for the unused portion of your program. Since most people do not have insurance that covers this type of loss, this Trip Cancellation, Interruption & Travel Delay Insurance is specially designed to help reimburse you for the monies forfeited in such instances. Please note that Road Scholar cannot issue refunds to participants for program days missed due to accidents, injuries, illnesses, or other emergencies.
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Q: Is my airfare covered, even if I purchase it on my own?

A: Yes! The coverages under the Trip Cancellation, Interruption & Travel Delay Insurance extend to the airfare booked to join or depart your Road Scholar program, whether you purchase your airline tickets with Road Scholar or independently. Even though the insurance cost is based on your Program Only price, your airfare is protected too!
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Q: What if I am delayed and miss the start of my program?

A: If you miss the departure of your program due to carrier-caused delays or other specified, covered reasons, the insurance will reimburse you up to $1,000 per person ($200/day) for any unused travel arrangements and/or out-of-pocket expenses such as accommodation, meal, and transportation expenses to catch up to the program.
For example: If you are faced with inclement weather and delayed while traveling to your Road Scholar program, you may not be reimbursed or accommodated by the airlines for the additional expenses to catch up to the program, nor would you be reimbursed for any program days missed. Purchasing this Insurance helps you recoup these expenditures.
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Q: If Road Scholar cancels my program prior to the start date, is my insurance cost refundable?

A: Yes! Although the insurance cost is otherwise non-refundable, on the rare occasion when Road Scholar must cancel a program, your insurance cost plus $4.00 administration fee will be automatically refunded in full.
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Q: Who is considered an “Immediate Family” member under the Insurance?

A: It’s not just family members who reside with you. “Immediate Family Member” includes your or your Traveling Companion’s spouse, children, parents, sibling, domestic partner, caregiver, grandparents, grandchildren, aunts, uncles, sons and daughters-in-law, nieces and nephews, among others. Please refer to the Definitions section of the Description of Coverage for a listing.
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Q: Would I be covered if I need to cancel or interrupt my program due to an immediate family member’s illness or injury?

A: Yes, the Insurance provides coverage should you or your traveling companion’s immediate family member have a covered sickness or injury, even if they aren’t scheduled to travel with you.
For example: If you have to cancel your program due to your Traveling Companion’s brother’s recent hospitalization for a covered sickness, or if your spouse has an accident and sustains a serious injury to their leg, the Insurance will help reimburse you for the monies forfeited, which may include Road Scholar cancellation fees and non-refundable airline tickets.
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Q: I have a family member who is not traveling with me who has a pre-existing condition. Does the Insurance cover my program investment should I need to adjust my travel plans due to a family member’s pre-existing condition?

A: YES! The Insurance covers pre-existing conditions of family members who are not traveling with you. Only the conditions of participants traveling with you are subject to the Pre-Existing Condition Exclusion.
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Q: Does the plan have a Pre-Existing Condition Exclusion?

A: Yes, as with most travel insurance the plan does include a pre-existing condition exclusion. However the good news is the Pre-Existing Condition Exclusion will be WAIVED as long as insurance is purchased no later than five days after your final program payment is due to Road Scholar. Simply put, Road Scholar gives you plenty of time after enrolling in your program to buy insurance and get the Pre-Existing Condition Exclusion waived! Please see the Description of Coverage for more details about the Pre-Existing Condition Exclusion and Waiver.
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Q: Are there other exclusions?

A: Yes. As with most insurance, benefits are provided for covered reasons, with some limitations and restrictions. In order to offer these benefits at a reasonable cost and without requiring medical exams or questionnaires, certain exclusions do apply. Please see the Plan Description for more details about exclusions.
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Q: When does the coverage begin?

A: The coverage for trip cancellation begins at 12:01 a.m. the day the plan cost is received. All other benefits become effective the date and time you start your program.
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Q: Will I receive a confirmation notice or some other proof that I have purchased insurance for a program?

A: If you purchase a policy, Berkely, the company that administrators the insurance plan on behalf of Road Scholar, will email you a confirmation of coverage within moments of completing the enrollment process. A PDF of the Description of Coverage will be attached to the email.
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Q: How can I buy a policy for my program?

A: Insurance can be purchased in one of three ways:
  1. From a Participant Services Advisor during enrollment;
  2. Online at www.roadscholarinsurance.com;
  3. Calling Berkely toll free at (877) 846-8806
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Q: What do I do if I have a claim?

A: If you must cancel your program, you must contact Road Scholar at (877) 426-8056 and Berkely at (877) 846-8806 immediately to notify them of your cancellation. A Berkely customer service representative will assist you in reporting your claim, then send you the appropriate claim form, which must be completed by you and the attending physician, if applicable. If you must file a Trip Interruption or Travel Delay claim, you must report your claim as soon as possible to Berkely. Provide them with your travel dates and details describing the nature of your loss. A Berkely customer service representative will then send you the appropriate claim form to complete. Please call Berkely at (877) 846-8806 to check the status of your claim.
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Q: Where can I call for more information?

A: You may call Berkely toll free at (877) 846-8806 with any questions regarding Road Scholar Trip Cancellation, Interruption & Travel Delay Insurance. Its customer service representatives will be happy to assist you.
Berkely Office Hours:
8 a.m.-10 p.m. EST, Monday-Friday
9 a.m.-5 p.m. EST, Saturday

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