Pathway Financial & Insurance Agency, Inc. DBA Insucal Insurance Services
Safe Travels Voyager
Covers trip cancellation from $0 up to $100,000 and includes $250,000 Primary Medical. Trip Delay includes lodging expenses. The optional Cancel for Any Reason (CFAR) provides reimbursement for the percentage of the prepaid, non-refundable, forfeited payments you paid for your trip, if you cancel your trip for any reason not otherwise covered. CFAR Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. Waiver of the Pre-Existing Condition Exclusion is included when purchase of plan is within 21 days of initial deposit date and before final payment. The full, non-refundable trip cost must be insured, and you are medically able to travel on the policy effective date.
GENERAL DISCLOSURES This policy provides coverage only related to Your Trip. You may have coverage from other sources that provides you with similar benefits subject to different restrictions. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Your travel retailer may not be licensed to sell insurance in all states, and therefore cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. This policy may not provide coverage for or may limit coverage related to pre-existing conditions. The purchase of travel insurance is not required in order to purchase any other product or service. In addition to your policy, the product you are purchasing may contain other non-insurance services and/or cancellation fee waivers offered by companies other than Nationwide . Maryland Residents: The offered insurance coverage may duplicate certain provisions of insurance coverage already provided by the purchaser s homeowner s insurance, renter s insurance, health insurance, or similar insurance coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation (Property/Casualty), 200 St. Paul Place, Suite 2700, Baltimore, MD 21202. Delaware Residents: The offered insurance coverage may duplicate certain provisions of insurance coverage already provided by the purchaser's homeowner s insurance, renter s insurance, health insurance, or similar insurance coverage. The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. California Residents: For additional information, contact the California Department of Insurance Consumer Hotline, 800-927-4357 or 213-897-8921. New York Residents: The licensed producer represents the insurer for purposes of the sale of the insurance. Compensation paid to the producer may vary depending on the policy selected, the producer s expenses, volume of business, or the profitability of the insurance contracts. Except as otherwise provided by law, the purchaser may request and obtain information about the producer s compensation based on the sale or any alternative quotes by requesting such information from the producer. The policy is underwritten by Nationwide Mutual Insurance Company and Affiliated companies, Columbus, Ohio. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company.