How do the standard and enhanced plans work?
You may offer two plans on behalf of Trip Mate: Standard Plan and Enhanced Plan.
The Standard Plan is intended for families that are concerned that a child may become ill and not be able to travel to camp, or who may become ill during an extended camp stay. It does not include a Cancel For Any Reason benefit.
The Enhanced Plan includes a Cancel For Any Reason benefit (when conditions are met). The Cancel for Any Reason Benefit is described in more detail below.
CANCEL FOR ANY REASON BENEFIT:
If an insured cancels his/her program for any reason not otherwise covered by the Plan, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits the insured paid for the program, provided:
- The insured’s payment for this Plan is received within 20 days of the date his/her initial payment or deposit for the program is received;
- The insured cancels the program two (2) days or more before his/her scheduled program departure date.
These benefits will not duplicate any other benefits payable under the Plan or any coverage(s) attached to the Plan.
Additional criteria to note:
- Program Protector is only available to campers residing in the United States.
- The Enhanced Plan is not available to families residing in the state of New York.
- The Standard Plan is available in all states
Important note: Trip Cancellations solely due to fear of Covid-19 (including Trip Cancellations due to World Health Organization warnings and State Department Travel Advisories) are not covered under any travel protection plan, unless Cancel For Any Reason coverage was purchased. If parents want to keep their children home out of an abundance of caution, the Standard Plan will not reimburse registration fees. Rather, the Enhanced Plan with Cancel For Any Reason coverage would be needed.