24 Hour Hotline provides the traveler with a broad range of services in the event of a travel or medical emergency including: medical referral and monitoring, legal assistance, emergency message center, emergency cash transfer, arrangement of medical evacuations or repatriations, emergency translations, and pre-trip assistance. Many companies offer additional services that differentiate them against their competitors. We have listed some of these services on the carriers page under the “why buy” heading.
24 Hour Assistance Service
- 24 hour assistance provided
What is 24 Hour Assistance Service?
What am I covered for?
Emergency Travel Arrangements:
In the event you must return home or discontinue your trip as a result of an interruption in travel due to an illness in your immediate family (spouse, children, parents, in-laws or grandparents), we will help you make the appropriate travel arrangements. You are responsible for the cost of the travel tickets.
Lost Passport/Travel Documents Assistance:
We will help you retrieve, report or replace lost or stolen travel documents e.g. passport, credit cards, airline tickets, etc.
Lost Luggage Assistance:
We will assist you with the return of your lost luggage by communicating with the commercial carrier.
Embassy or Consulate Referral:
We will inform you of the location and contact telephone numbers for the nearest embassy or consulate, no matter where you are.
Emergency Message Relay:
We will receive or transmit emergency messages between you, your family or your employer.
Emergency Prescription Replacement:
We will assist you with the replacement of lost or damaged prescription medication. You are responsible for the cost of the actual medication and shipping costs, if any.
Medical Referral:
If urgent medical advice or care is needed, we are prepared to refer you to the nearest, most appropriate care facility or provide a listing of available medical care to you. At your request, we will assist with obtaining an appointment with the medical care provider you have chosen.
24-Hour Medical Monitoring:
If you are hospitalized, we will provide medical professionals to communicate with your treating doctor(s) and help you monitor your condition. We will also communicate with your family doctor and family member(s), as you direct us. This service helps you obtain all the facts you need to make informed decisions concerning your medical care.
Emergency Cash Transfer: We will help you transfer funds, up to $500 USD, in the event you have a medical or travel emergency.
Legal Referrals: We will provide you with a referral to the nearest attorney upon your request.
Emergency Translations: We will provide personal, emergency telephone translation services upon your request. We can also refer you to a local interpreter service should you require language assistance.
Definitions
“Accidental or Accident” means an unexpected and unforeseen incident, including a Terrorist Incident.
“Certificate” means an outline of the terms of coverage and provisions of the Policy, which includes this document and Your application.
“Covered Trip” means any travel and sojourn to a Destination more than 120 miles from the starting point of the Covered Trip and not exceeding 30 consecutive days.
“Departure Date” means the scheduled date to begin the Covered Trip as referenced on Your coverage verification letter for this Certificate.
“Destination” means one or more cities to which You are scheduled to travel on a Covered Trip.
“Emergency” means a sudden, unexpected, unforeseen occurrence demanding immediate action.
“Family Member” means Your spouse, children, brothers or sisters (including in-laws), parents (including in-laws), grandparents (including in-laws), grandchildren, aunts, uncles, nieces, nephews, legal guardians, and legal wards.
“Hospital” means an institution or medical facility that meets all of the following requirements:
1. Properly accredited and where required by law, holds a license as a Hospital;
2. Operates mainly for the care and treatment of sick or injured persons as inpatients;
3. Provides twenty-four hours a day nursing care by registered nurses;
4. Has a staff of one or more Physicians available at all times;
5. Provides organized facilities for diagnosis and surgical procedures;
6. Not primarily a clinic, nursing home or convalescent home or similar place of business; and
7. Not mainly a place for treating alcoholics or drug addicts.
With respect to outpatient surgery or diagnostic testing, an ambulatory surgical center or a clinic will be considered a Hospital. Such facility must be properly accredited and, where required by law, hold a license allowing the facility to operate as such.
“Illness” means a sickness, impairment or physical condition that involves inpatient care in a Hospital, or requires Emergency treatment by a qualified Physician.
“Injury” means trauma or damage to any part of the body caused solely by Accident and not contributed to by any other cause.
“Insured” means the Member who arranged to take the Covered Trip, completed the application, paid the premium in full, and whose coverage under the Policy has become effective and has not terminated.
“Locality” means an area large enough to represent a reasonable cross section of providers giving the type of service or supplies for which the charge was made.
“Member” means any person who belongs to the Policyholder’s association.
“Necessary” means medical treatment that is vital and required for the treatment of a covered Injury or Illness.
“Physician” means a person, other than You, a Travel Companion or a Family Member, who is licensed as a medical doctor in the healing arts, and acting within the scope of his or her license for the service or treatment given.
“Policy” means the Group Travel Insurance Policy issued to the Policyholder by Us. As the underwriting insurance carrier, We are solely liable and responsible for the coverage and benefits provided under the Policy.
“Policyholder” means the National Small Business Travel & Health Association.
“Pre-Existing Condition” means an Injury or Illness which manifests itself during the 60 days immediately before and including the date Your coverage became effective, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60 day period.
An Illness or Injury has manifested itself when:
1. Medical care or treatment has been given; or
2. There exist symptoms which would cause a reasonably prudent person to seek diagnosis, care, or treatment; or
3. Prescription medication has been altered or changed.
“Reasonable Expenses” means the normal and customary charge of the provider, incurred by You for a service or supply, but not more than the prevailing charge in the Locality for a like service by a provider with similar training or experience; or for a supply which is identical or substantially equivalent.
“Return Date” means the scheduled date on which You are to arrive at Your Return Destination as shown on the coverage verification letter for the Certificate.
“Return Destination” means the place to which You are scheduled to return from a Covered Trip.
“Scheduled Airline” (including scheduled charters) means an airline with a license for civil scheduled air transport issued by the country in which its aircraft are registered. Such airline must file and publish schedules and fares for regular passenger service between cities.
“Travel Supplier” means a travel agent, Scheduled Airline, cruise line, tour operator, bus line, or other licensed provider of travel.
“We, Us, Our” means Delos Insurance Company.
“You or Your” means the Insured.
Exclusions
Emergency Medical / Dental Expense
We will not pay for:
1. Hernia, however caused;
2. Services or treatment given by a Family Member or any person employed or retained by You;
3. Experimental procedures;
4. Cosmetic surgery or procedure that is not reconstructive surgery which is incidental to or follows surgery resulting from trauma, infection or other disease of You;
5. Benefits which are payable under any worker’s compensation or similar law;
6. Any surgical or medical treatment which can reasonably be delayed until You return to Your primary residence;
7. Any treatment or medication which at the time of departure You know is required to be continued during a Covered Trip;
8. The cost of dentures, dental appliances, false limbs, hearing aids, cochlear implants, contact or corneal lenses or spectacles (prescription or otherwise);
9. Any repatriation costs not authorized by Us;
10. The additional cost of a single or private room at a Hospital, except when the treating Physician considers it Necessary; or
11. Services or Covered Expenses incurred as a result of a Pre-Existing Condition.
Emergency Medical Evacuation/Repatriation
We will not pay for any services or Covered Expenses incurred without Our prior consent or approval. We will not pay for any services or Covered Expenses incurred as a result of a Pre-Existing Condition.
Emergency Reunion and Return of Mortal Remains
We will not pay for any services or expenses incurred without Our prior consent or approval.
General Exclusions
We will not pay for any Illness, Injury or loss caused by or as a result of:
1. A Pre-Existing Condition.
2. War or any act of war (whether declared or undeclared), civil disturbance, riot or insurrection.
3. Serving in one of the armed forces of any country or international authority.
4. Operating, learning to operate, piloting or riding in or on any aircraft or flying device, other than riding as a passenger in a licensed commercial aircraft.
5. Suicide or attempted suicide, while sane; intentionally self-inflicted Injury or Illness.
6. Being under the influence of any intoxicant, drug or narcotic unless prescribed by a Physician.
7. Training, practicing or participating in any motor sport or motor racing.
8. Parachuting, hang gliding, parasailing, hot air ballooning, scuba diving below 135 feet or any type of scuba diving without the proper diving training and certification from a professional organization, rock or mountain climbing, or hunting.
9. Pregnancy or childbirth when You are expected to give birth within two months from the date of a Covered Trip or an elective abortion.
10. Traveling against the advice of a Physician, traveling while on a waiting list for inpatient Hospital or clinic treatment, or traveling for the purpose of obtaining medical treatment abroad.
11. Taking part in any scheduled athletic event or competition.
12. Any emotional, psychological, mental or nervous disorder.
13. Any potentially fatal condition which was diagnosed before the date Your coverage became effective, or any condition for which You are traveling to seek treatment.
14. Dental treatment due to normal wear and tear or the normal maintenance of dental health.