A:Access America’s satisfaction guarantee allows you to cancel your protection plan up to ten days from the purchase date of the insurance and receive a full refund of the premium, as long as you have not already departed on your trip or filed a claim.
Q:Will I receive a confirmation that includes my trip protection details?
A:Yes. Access America will send confirmation information to the e-mail address provided at the time of purchase. Your confirmation will contain your trip protection details, including a Certificate of Insurance/Policy. Please add to your e-mail address book to ensure that the confirmation e-mail and corresponding information is not sent to your SPAM folder.
Q:What do I do if I did not receive a confirmation e-mail?
A:It’s possible that the confirmation e-mail is stuck in your SPAM folder. Please check your SPAM folder and add to your e-mail address book. If you cannot find the confirmation e-mail, simply e-mail Access America at or contact customer service at 1-866-840-0899, and they will resend your confirmation information via e-mail.
Q:Can I change the trip details on my insurance policy?
A:Yes, Access America is ready to assist 24 hours a day, everyday. Please contact customer service at 1-866-840-0899 to review your current policy and make changes. You may incur additional costs for changes to your policy.
Q:Why can’t I buy coverage on the day of my trip?
A:Trip protection policies generally start at 12:01 A.M. local time on the date the scheduled trip begins. Therefore, trip protection cannot be purchased after this time, as your trip has already begun.
Q:If I cancel my trip, will I get all of my money back?
A:Trip cancellation coverage refunds prepaid, nonrefundable payments if you have to cancel your trip for one of the reasons covered by your policy. Covered reasons may include, but are not limited to, the following: sudden medical emergencies, bad weather, military obligations, and jury duty. Changing your mind about taking a trip, for example, is not covered. If you cancel your trip for a covered reason, you must notify your travel supplier(s) within 72 hours of the occurrence, otherwise the right to compensation will lapse. Please refer to the terms and conditions of your policy to see which covered reasons are included.
Q:What expenses related to my trip are considered to be nonrefundable?
A:Nonrefundable costs include the total sum of all of your trip payments that would be forfeited due to cancellation prior to trip departure. Some examples include cruise, tour, and airline ticket costs.
Benefits of Trip Protection
Q:What is trip protection?
A:Trip protection is a combination of insurance benefits and assistance services specifically designed to help protect travelers while away from home. Trip Protection covers a traveler’s financial investment in travel (up to the limit designated in the policy). Additional benefits can also provide reimbursement for unexpected travel expenses and 24-hour access to emergency medical referrals and assistance. Please see your Certificate of Insurance/Policy for full details on what your policy covers.
Q:Why should I purchase trip protection?
A:Trip protection insures your prepaid trip expenses should an unexpected covered reason cause you to miss your trip. Many travelers who did not purchase travel insurance have found themselves without recourse and shouldering the expense when the unexpected occurs. Trip protection can also include reimbursement for unexpected travel expenses that may be incurred and 24-hour access to emergency medical referrals and assistance.
Q:What is an example of a covered reason for trip cancellation?
A:There are many covered reasons for trip cancellation. The most common reason travelers cannot take their scheduled trip is due to an injury or illness. For example, if a family was planning a summer vacation and a week before the trip an immediate family member was admitted to the hospital with an unforeseen serious illness, the family could file a claim for any prepaid expenses or other costs associated with a change or cancellation of their vacation plans.
Q:Who is Access America?
A:Access
America is the travel insurance brand of Mondial Assistance. Purchasing Access
America travel insurance is like having an insurance agent, an interpreter,
and a health care advocate in your suitcase. Mondial Assistance works with
many of the largest companies in the travel industry and is part of a network
of global assistance and insurance services with offices in 28 countries.
Headquartered in Richmond, Virginia, Mondial Assistance USA was founded in
1983 with a mission to provide access to American-style healthcare to those
traveling abroad. Today, they employ more than 700 associates and are a leading
provider of travel insurance, corporate assistance, concierge services, and
more.
Additional Information
Q:How do I file a claim?
A:The quickest way to file a claim is online at http://www.eclaimsline.com/travel. You may also download forms from the Access America web site and submit them by fax or mail.
Q:Can I speak with a customer service representative to get more information?
A:Yes, customer service representatives are ready to assist 24 hours a day, everyday. Please contact Access America’s customer service at 1-866-840-0899.
Q:Who provides the insurance for these plans?
A:Access America branded plans are underwritten by BCS Insurance Company, rated "A-" (Excellent) by A.M. Best Co., under BCS Form No. 52.201 or 52.401, or Jefferson Insurance Company, rated "A" (Excellent) by A.M. Best Co., under Jefferson Form No. 101-C-XX-01 or 101-P-XX-01, depending on the insured’s state. World Access Service Corp., a company of Mondial Assistance, is the producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between World Access Service Corp. and Jefferson Insurance Company.
Q:Where is my trip protection policy?
A:When you purchase trip protection products directly from Access America, you will receive a separate confirmation. All policy documentation will be sent directly to you by Access America.
Q:Is my trip protection cancelled automatically if I cancel my travel arrangements?
A:No. Please contact Access America as soon as possible at 1-866-840-0899 to make any changes and/or cancellations to your trip protection.
Q:I’ve cancelled my travel arrangements, how do I cancel my insurance policy?
A:Please contact Access America as soon as possible at 1-866-840-0899 to make any changes and/or cancellations to your trip protection. If you have cancelled your trip, please make sure to review your Certificate of Insurance/Policy as you may be eligible for benefits due to the cancellation.
