Trip Protector Provided by Access America
Benefits Level of Coverage* Trip Interruption $500
Business Equipment Coverage $1,000
Emergency Medical/Dental ($50 deductible)^ $10,000
Emergency Medical Transportation $50,000
Travel Delay $300
Concierge Included
24-Hour Hotline Included
*Benefits are provided on a per person basis.
Northwest Airlines has partnered with Access America to provide you with Trip Protector. This affordable insurance program offers Trip Interruption coverage for the unused, non-refundable portion of your trip and increased transportation costs for you to return home due to a covered reason -- up to $500 depending on the cost of your purchase. In addition, it provides coverage for business equipment, emergency medical and dental, emergency medical transportation, travel delay, and concierge services. Trip Protector does not offer coverage for interruption due to a personal change of plans or existing medical conditions. Product may not be available in all jurisdictions.
Please note that changes to your travel plans may require changes to your coverage. If your plans change, please contact Access America at (800) 496-6903 to ensure your coverage is still valid.
Satisfaction Guarantee:
Within 10 days of purchasing the program, Access America will process a full refund of premium to you, as long as you have not already departed on your trip or filed a claim. No refunds shall be paid to you after 10 days of purchasing the program. Travel Protection:
This is a brief description of the insurance protection and services provided in this program. This program contains an Existing Medical Conditions Exclusion and General Program Exclusions. Other conditions, limitations and exclusions apply. A complete description of the benefits, conditions, limitations and exclusions, will be emailed to you upon completion of the purchase process with Northwest Airlines. You may also view the Certificate of Insurance/Policy at www.accessamerica.com. For questions regarding coverage, please contact Access America at (800) 496-6903 or by e-mail at nwa@accessamerica.com.
- Trip Interruption**: Coverage provides financial protection for expenses related to trip interruption caused by a covered reason. Trip Interruption coverage offers reimbursement for the unused, non-refundable portion of your trip and increased transportation costs for you to return home due to a covered reason. Some covered reasons are listed below:
- Serious and unforeseen illness, injury or death of you, a covered family member or traveling companions.
- Natural disasters or bad weather that result in the complete cessation of services by an airline, tour operator or cruise line for at least 24 consecutive hours.
- Employer termination if you have been with the same employer for at least three continuous years, and are terminated through no fault of your own after the effective date of this insurance.
- Fire, flood, burglary, vandalism or natural disasters making your home uninhabitable.
- Business Equipment: Provides for loss, damage or theft of business equipment provided you have taken all reasonable measures to protect, save and/or recover your equipment. Coverage is secondary to coverage provided by a common carrier.
- Emergency Medical & Dental**: Coverage provides benefits for emergency medical or dental expenses you incur during the coverage period. Services must be provided by a licensed provider and must take place during your trip. A $50 deductible applies to outpatient care.
- Emergency Medical Transportation: Pays for emergency medical transportation services, authorized in advance and organized by the Access America Hotline Center, and medically required as a result of an injury or illness which occurs during the coverage period, to have you moved to the nearest appropriate facility. Once you are able, we will also pay up to $5,000 to have you returned home.
- Travel Delay**: Offers reimbursement to cover additional accommodation and travel expenses due to a delay of at least 6 hours. Covered reasons for travel delay include carrier caused delays (including bad weather) and unannounced strikes. Payments may not exceed $150 per day.
- Concierge Service: Provides you with information about your destination before or during your trip and can help you select restaurants, reserve golf tee times or secure tickets to local events.
- 24-Hour Hotline Help: Help is just a phone call away with Access America travel protection. A staff of multi-lingual problem solvers is available to help you gain access to local resources and information you need to solve a medical, legal or travel-related emergency.
Existing Medical Conditions Exclusion:
Coverage for an Existing Medical Condition is excluded. An Existing Medical Condition is an illness or injury that exhibited symptoms or was treated for any time 120 days prior to purchasing your plan. ** Benefits are provided through Access America, a service mark and a division of World Access Service Corp. Insurance coverage is provided under Form No. 52.401 or 52.201 issued by BCS Insurance Company or Form No. 101-C-XX-01 or 101-P-XX-01 issued by Jefferson Insurance Company.
^California Residents - Please read the following: NOTICE: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provide you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan.
California residents: Please note that we are doing business in California as WASC Insurance Agency and our California License # is 0B01400.
Texas Residents: Please be advised that this optional coverage may duplicate coverage already provided by your personal auto insurance policy, homeowner's insurance policy, personal liability insurance policy or other source of coverage.