Frequently Asked Questions
GENERAL
Why
should I purchase the Tuition and
Travel Insurance?
What does it cover?
Will my parents current home,
renters, credit card, or health insurance
policies cover my trip?
Is there help while I'm traveling
on my conference?
Where can I call for more
information?
ENROLLMENT
When is payment for the program
due and how do I enroll?
When does coverage go into
effect and will it cover me for the
entire length of my conference?
CLAIMS
What happens if I need to
cancel my conference?
What
if bad weather is predicted where
I plan to travel?
Will
the Tuition and Travel Insurance
cover me if I cancel my conference?
How do I get reimbursement
if my bags and/or personal items
are damaged/stolen/lost while I am
traveling?
If I incur medical expenses
during my conference, should I submit
them to my parents health insurance
company first?
How do I file a claim?
How
long does it take to receive my
money back?
How do I check on the status
of my claim?
DEFINITIONS/EXCLUSIONS
Who
is a covered "Immediate
Family Member" under the program?
What are the Covered Medical
Expenses if I become sick or injured
while on my trip?
Are there exclusions?
What
is the Pre-Existing Condition Exclusion?
GENERAL
SECTION ANSWERS
Why
should I purchase the Tuition and
Travel Insurance?
Preparing
for your conference includes protecting
yourself from unfortunate occurrences
that threaten to interfere with
even your best-laid plans. By purchasing
the Tuition and Travel Insurance,
you can help protect yourself against
cancellation penalties, medical costs,
baggage loss and delays, as well
as gain access to a wide range
of traveler's assistance services.
Did you know
that the Tuition and Travel Insurance
could protect you if:
- You
become ill and can't travel
- Someone
in your immediate family has
an illness or injury, even if they
aren't scheduled to travel with you
- You
come down with the chicken
pox and you are quarantined from
travel
- Your
house becomes flooded due to
a hurricane
- A
family member back home passes
away and you must return from
your conference early
- You
twist your ankle and must visit
a doctor while traveling
- Many
other unforeseeable events as
listed in the Plan
Description
Back
to Questions 
What does it cover?
The Tuition and
Travel Insurance includes pre-trip
cancellation and protection coverage
(for tuition and travel) while
you are traveling on your conference,
including:
Trip
Cancellation and Trip Interruption If
you must cancel or interrupt
your conference for a covered reason,
the Tuition and Travel Insurance
provides coverage up to your
total trip cost. Covered reasons
include illness, injury or death
to you, a traveling companion
or a covered family member. Additional
covered reasons for cancellation
include subpoena, having a home
made uninhabitable by a natural
disaster, hijacking, quarantine
and being involved in a documented
traffic accident en route to
departure. Please refer to the Plan
Description for
full details.
Trip Delay If
you should miss the departure of
the airplane due to a traffic accident
on the way to your conference or
other covered reasons, the program
reimburses you for additional accommodations,
meals and "catch up" transportation
expenses.
Medical Protection If
you become ill or are injured while
on your trip, the Tuition and Travel
Insurance will cover up to $5,000 in
medical expenses.
Emergency Evacuation and Repatriation
of Remains If an injury
or illness requires emergency
medical transportation to the nearest
appropriate medical facility, the
program will pre-pay up to $25,000 for
covered transportation expenses.
Baggage Protection Reimburses
expenses up to
$1,000 for the covered
loss, damage, or theft of baggage
and/or personal effects during
or while in transit to or from
your conference. This benefit
also includes baggage delay protection,
covering you for the purchase
of necessary items ( up
to $300 ) in the event
your luggage is delayed by a
common carrier for more then
24 hours en route to the conference.
24 Hour Worldwide Emergency
Assistance 24-hour emergency
telephone assistance hotline
for medical and travel-related
problems ranging from cash transfer,
legal, dental, or medical referral,
lost travel documents assistance
as well as medical consultation
and monitoring.
Back
to Questions Will my parents home, renters,
credit card, or health insurance
policies cover my conference?
Due to territory
restrictions, many other insurance
policies may not offer any coverage
while you travel. Still others
may offer partial protection, but
due to benefit limits, co-insurance
and deductibles, you may not be
reimbursed for the full amount
incurred. Most people do not have
any insurance coverage at all if
they must cancel their trip. The
Payment Protection Plan
has a wide range of travel benefits
that credit card, homeowners and
renters insurance policies most
likely do not offer. Most health
insurance policies (Medicare, certain
HMOs, etc.) do not pay for transportation
charges due to medical emergencies.
Back
to Questions
Is there help while I'm traveling?
One of the valued
benefits offered in the Payment
Protection Plan is the 24 Hour
Emergency Assistance Service. On
Call International is a leader
in this field. With On Call International
you have access to the services
of a highly trained, multi-lingual
staff around the clock to assist
you with such emergencies as cash
transfers, lost documents, medical
or legal monitoring or referrals.
They are also equipped to respond
to many unexpected circumstances,
such as providing potentially costly
air ambulance transportation in
medical emergencies. If an emergency
should arise during your conference,
call On Call International immediately
and give the details of your problem
or medical emergency.
Back
to Questions
Where can I call for more
information?
You may call,
BerkelyCare, the plan administrator,
with any questions regarding the
Payment Protection Plan.
Their Customer Service representatives
will be happy to assist you. 1-(800)
453-4067 1-(516) 294-6952 Office
Hours: 9 am - 5 pm (EST) Monday -
Friday, 9am - 3pm Saturday
Back
to Questions
ENROLLMENT SECTION ANSWERS
When
is payment for the Tuition and
Travel Insurance due and how
do I enroll? For your convenience,
we will add the plan cost on
our enrollment application and
have included it with the balance
due. Simply pay the plan cost amount
indicated with your tuition. You
are enrolled upon the receipt
of your payment for the applicable
plan cost, in addition to any
required conference deposits
and/or final balances.
Back
to Questions When does coverage go into
effect and will it cover me for the
entire length of my conference? The Trip Cancellation coverage takes
effect upon receipt of the required
plan cost. All other benefits will
take effect at 12:01 A.M. on your scheduled
departure date and location. Your coverage
will remain valid until 11:59 P.M.
of your scheduled completion date or
your return to you origination point,
whichever is earlier. Please see the Plan
Description for detailed information.
Back
to Questions
CLAIMS SECTION ANSWERS
What
happens if I need to cancel my
conference? Please
contact LeadAmerica, immediately
putting your cancellation in writing,
and contact BerkelyCare as soon as
possible in the event of a claim.
BerkelyCare will then forward
you the appropriate claim form
in order to file a claim. Back
to Questions What
if bad weather is predicted where
I plan to travel?
Will
the Tuition and Travel Insurance
cover me if I cancel my conference? Please
note that there is no coverage
for trip cancellation in the event
of inclement weather (actual or
predicted). However,
in the event that inclement weather
causes a delay in your arrival to
the conference or on your return
home, coverage is provided under
the Trip Delay benefit.
Back
to Questions
How
do I get reimbursement if my
bags and/or personal items are
damaged/stolen/lost while I am
traveling? First, obtain
verification from the appropriate
authority to who you reported the
loss (for example, conference representative,
police, etc.). Also be sure
to save any store receipts you may
have for the original purchases.
Upon your return home, simply request
a claim form by calling BerkelyCare.
You will be asked to complete the
form and submit copies of this information
along with your claim form, in addition
to any response you may have received
from your parents homeowners or renters
insurance. You will be reimbursed
for items damaged/stolen/lost while
traveling up to $1,000.
The baggage portion of the program
will also reimburse the cost of repair
or replacement for the luggage and
covered contents inside the luggage.
Back
to Questions If
I incur medical expenses during
my conference, should I submit
them to my parents' health insurance
company first? Yes. The
Accident and Sickness Medical Expense
portion of the Tuition and Travel
Insurance is excess of all other
valid and collectible insurance.
The program provides reimbursement,
up to the maximum shown on the
Schedule, for all covered medical
expenses not covered under your
regular health insurance policy.
The program will provide reimbursement
to you for deductibles and co-pays
that may be imposed by your health
insurance. Please see the Travel
Protection Plan
Description for complete terms
regarding covered medical expenses.
Back
to Questions
How
do I file a claim? How long does
it take to receive my money back? In
the event of a claim please contact
BerkelyCare, our Plan Administrator,
at 1-800-453-4067 between
Monday - Friday 9:00 am to 5:00 pm
EST and Saturday 9:00 am to 2:00
pm. If you plan to cancel your conference
due to a covered reason contact LeadAmerica,
immediately putting your cancellation
in writing, and contact BerkelyCare
immediately to initiate the claims
process and to avoid additional expenses
due to late notification. Please
note that you may want to have a
copy of your LeadAmerica invoice
handy when you call, as there are
some details that will be needed
in order to initiate your claim.
This information includes your travel
dates, date of cancellation, your
LeadAmerica PIN number, and some
brief information regarding your
reason for cancellation, or other
type of loss (i.e., trip delays,
baggage loss or delay, medical claims,
etc.). Important: If you are
canceling your conference, be sure
to also contact LeadAmerica
to notify them of the cancellation
as well to avoid additional expenses
due to late reporting. Claim forms
will be mailed to you within two
to three business days. For covered
emergencies during your trip which
require evacuation or interruption,
promptly call On Call International,
the assistance company, with your
policy number and emergency details.
Once BerkelyCare receives full documentation,
payment for a covered claim can be
generated within five business days. Important
Notice: Tuition and Travel
Insurance Claims are made through
and all issues, questions and determinations
regarding coverage are handled by
the Claims Administrator at BerkelyCare.
LeadAmerica cannot make claims on
your behalf, resolve claims, or pay
claims under the Plan.
Back
to Questions How do I check on the status
of my claim? To check the status of your claim
you can contact BerkelyCare at 1-800-453-4067.
Back
to Questions DEFINITIONS/EXCLUSIONS SECTION ANSWERS
Who
is a covered "Immediate
Family Member" under the Tuition
and Travel Insurance? Our
definition of immediate family
is quite broad. It's not just family
members who reside with you. Instead,
immediate family includes: mother,
father, grandmother, grandfather,
brother, sister, brother-in-law,
sister-in-law, aunts, uncles,
nieces, nephews among others.
See the Definitions section of
the Plan
Description for a full
listing.
Back
to Questions
What are the Covered Medical
Expenses if I become sick or injured
while on my conference? The
Tuition and Travel Insurance
provides coverage for a vast array
of medical expenses which could
be incurred as a result of a sickness
or injury. The program provides
Accident and Sickness Medical Expense
benefits for necessary services
and supplies which are recommended
by the attending physician. Covered
Medical Expenses include the services
of a legally qualified physician,
surgeon, graduate nurse, osteopath;
charges for hospital confinement
and use of operating rooms; charges
for anesthetics (including administration);
x-ray examinations or treatments
and laboratory tests; ambulance
service; drugs, medicines, and
therapeutic services and supplies.
Back
to Questions
Are there exclusions? In order to provide this package of
benefits, certain restrictions do apply.
For example, the program does not provide
duplicate payments if there are other
sources of reimbursement available.
Exclusions are standard in virtually
every travel insurance product. Please
see the Plan
Description for a full
list of exclusions.
Back
to Questions
What
is the Pre-Existing Condition
Exclusion? The terms of
the pre-existing condition exclusion
are quite liberal. The pre-existing
condition exclusion precludes coverage
only for those medical conditions
that manifested themselves, became
acute, or were being treated in
the 60 days before coverage goes
into effect (the date coverage
is purchased). You may have a
chronic condition that requires
you to take medication and still
be covered by the program. Only
if you received or were recommended
to receive a diagnostic test, examination,
or medical treatment and/or if
there has been a change in the
required prescription would your
condition be considered "pre-existing".
In other words, unless you, your
traveling companion or a family
member booked to travel with you
has a new medical condition or
one that has recently "flared-up" right
before you enroll in the Payment
Protection Plan, or you have had
a change in your required medication,
the program should provide coverage.
Please see the Plan
Description for complete details
or contact BerkelyCare, the plan
administrator; at 1-800-453-4067
should you have any questions regarding
this exclusion.
Back
to Questions
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