Questions & Answers

See answers to the most commonly asked travel insurance questions below. Have a question not answered here? Give us a call at (800) 423-3632 and one of our Customer Service Representatives will be happy to help you.

  • Why do I need travel insurance?
    Emergencies happen when You least expect it. Travel insurance can provide You coverage for Trip Cancellation or Interruption, Medical Expenses, Baggage damage or Travel Delay and much more. Plus we offer our exclusive One Call 24-hour Traveler Assistance Service to help You with emergency situations which occur during Your Trip.
  • What is Cancel for Any Reason Protection?
    The Cancel For Any Reason Benefit is available as an option on the Advantage Asset and Bridge plans and is automatically included with the Advantage Complete Plan. With this benefit, You will be reimbursed up to the maximum benefit amount, if You cancel Your Trip for any reason whatsoever, provided You cancel Your Trip two (2) days or more before the Scheduled Trip Departure Date. Important: To be eligible for the Cancel For Any Reason Benefit You must purchase the Advantage plan or the Cancel For Any Reason Benefit option within 15 days of date of Your initial Trip deposit for Your Travel Arrangements.
  • How do I purchase my travel insurance policy?
    There are three convenient and easy ways for You to purchase an Advantage plan, online at mhross.com, through a participating travel agent or by calling our Customer Service Department at 1-800-423-3632.
  • How do I determine the total cost of the Trip that I should insure?
    To determine the insurable cost of the Travel Arrangements for Your Trip, total the cost of all of Your non-refundable, prepaid Travel Arrangements. If You insure an amount less than the full cost of Your non-refundable Travel Arrangements, the Trip Cancellation and Interruption Benefits will be limited to the amount of coverage You purchase and You will not be covered by the Cancel For Any Reason Benefit, if elected or included. You must include each person You are purchasing coverage for on the policy.
  • When is the best time to buy insurance?
    We recommend You purchase Your plan within 15 days of paying Your initial deposit for Travel Arrangements for Your Trip, as some benefits are only available when the plan is purchased during this time frame, such as: Waiver of Pre-Existing Conditions; Travel Supplier Bankruptcy or Insolvency; and the Cancel For Any Reason Benefit, if purchased. For complete details please refer to the Plan Certificate online or call us at 1-800-423-3632.
  • When does my policy go into effect?
    The effective date for the Trip Cancellation Benefit will be the day after the date of purchase (if You purchase online) or the day after the postmark date of a mailed application. For all other coverages, Your effective date is 12:01am on the date You start Your first covered Travel Arrangement for Your Trip or Your Scheduled Trip Departure Date, whichever is later.
  • Do I insure for my age at the time of travel or when the insurance is purchased?
    You should enter the age You are on the date You purchase the policy.
  • What is a Pre-Existing Condition?
    “Pre-Existing Condition” means any injury, sickness or condition (including any condition from which death ensues) of You, or Your Traveling Companion, or Your and/or Your Traveling Companion’s Family Member traveling with You which within the 60 day period prior to the effective date of Your Trip Cancellation coverage under the Policy: (a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) required medical treatment or treatment was recommended by a Legally Qualified Physician.
  • What if I take medication for a condition like high blood pressure? Would this be considered a Pre-Existing Medical Condition?
    If Your condition is stable and controlled and Your medication remains unchanged throughout the 60 day pre-existing period, this would not be considered a Pre-Existing Condition.
  • Can I extend my policy if I have already departed?
    Yes, You may extend Your policy while traveling on Your covered Trip as long as: 1) You have not experienced an injury or sickness, or have not had medical treatment during Your covered Trip, 2) coverage under this policy is in force at the time You request an extension, and 3) You pay any additional required premium for such extension, if applicable.
  • What happens if I have purchased my ticket on frequent flyer points?
    The Trip Cancellation Benefit does not cover the value of the frequent flyer points. However, You are still able to insure the non-refundable tax portion, any upgrade costs and re-banking fees.
  • What happens if a Terrorist Incident occurs delaying my flight home? Am I covered for Travel Delay?
    All of the Advantage Series plans cover Cancellation, Interruption or Travel Delay due to a Terrorist Incident (as defined in the policy) if the Terrorist Incident occurs within 30 days prior to Your Scheduled Trip Departure Date in a city listed on Your Trip itinerary. Benefits are not provided if Your Travel Supplier offers a substitute itinerary.
  • • What if I arrive late for my tour or cruise departure due to a Missed Connection?
    You will be reimbursed up to the plan limit for Your Additional Transportation Costs to join Your Trip and any unused portion of prepaid land or water Travel Arrangements, if You miss Your tour or cruise departure if Your arrival at Your Trip destination is delayed 3 hours or more due to: 1) any delay of a Common Carrier; 2) a documented weather condition prevented You from getting to the point of departure; or 3) quarantine, hijacking, Strike, natural disaster, terrorism or riot.

    Under the Travel Delay Benefit, You will be reimbursed, up to the plan maximum benefit, for additional reasonable meal, accommodation and local transportation expenses if You are delayed 8 hours or more for a covered reason such as delay of a Common Carrier.
  • What happens if the airline loses my baggage at the start of my Trip?
    Coverage is available, up to the plan maximum limits, for baggage and personal effects, passports or visas that are lost, stolen, or damaged during Your covered Trip. You must submit documentation from the Common Carrier for such loss, the receipts for the necessary purchases or reimbursements and take all reasonable steps to protect, save or recover Your baggage and personal effects. Please refer to Your Plan Certificate for details.

    The plans also provide a Baggage Delay Benefit, if while on Your Trip, Your checked baggage is delayed by an airline for 12 hours or more, to reimburse You for the purchase of necessary personal effects while on Your Trip.
  • • Can I cancel my policy if after reviewing it, I am not satisfied?
    You can cancel Your policy within the 10-day free look period and receive a complete refund, with the exception of the Enrollment Processing Fee. Please see Your Plan Certificate.
  • • Do I need to take the documents You sent me about my insurance with me and should I read them first?
    Yes, You should read Your documents as soon as You receive them to make sure the information is correct. The Plan Certificate explains the Policy benefits, limitations, conditions and exclusions. The Purchase Confirmation /Declarations contains the maximum benefit limits for the coverages purchased. These two documents form Your Policy/Certificate of Insurance and should be taken with You on Your Trip so You may refer to them in case of an emergency.
  • • My policy is incorrect or needs to be changed. What do I do?
    Please call us with all of the details and we will be happy to assist You. You may call 1-800-423- 3632. We may request documentation regarding Your changes.
  • How to Report a Claim?
    You can report and complete Your claim information for an Advantage Series policy online at www.mhross.com or call 1-877-452-5378.
  • • I am renting a beach house at a cost of $10,000 for my family of eight. How do we calculate the Trip cost and properly cover each traveler?
    To determine the individual Trip cost to be insured, divide the $10,000 beach house cost by the number of family members and then add each individual’s airfare along with any other non-refundable Travel Arrangements. You have now calculated the correct amount to insure each family member for his or her individual Trip cost.
  • What do I do if I need Emergency Medical care while traveling?
    You can contact our One Call Travel Assistance Network. Assistance coordinators are available 24/7 to help You in emergency situations. The One Call contact information is included on Your Purchase Confirmation/Declarations and in the Plan Certificate.
  • • I have read my policy and notice some of the words are capitalized. Why?
    A word or phrase is capitalized because the word or phrase is defined in the policy.
  • • Is Rental Car Coverage available on all Advantage Series plans?
    Rental car protection is only available on the Advantage Complete plan.
  • What is Rental Car Damage and how does it protect You?
    This benefit covers physical loss or damage to a rental vehicle during Your covered Trip for which You are liable, provided You rented the vehicle from an approved commercial rental car agency and You declined to purchase Collision Damage Waiver from the rental car agency. If You should have an accident or sustain damage You must file a report with the police and rental car agency. This benefit is only available to the insured who has purchased this coverage and is not transferable. Note that this benefit is not available to Texas residents.
  • What is Trip Cancellation and when does it apply?
    Trip Cancellation is a benefit for cancellation of Your covered Trip. The covered reason that caused You to cancel must occur after Your effective date and prior Your Scheduled Departure Date.
  • What is Trip Interruption and when does it apply?
    The Trip Interruption Benefit reimburses You for unused land or water Travel Arrangements, plus additional airfare to return home or rejoin Your Trip when You must interrupt Your travel for a covered reason.
  • My Traveling Companion is unable to travel with me, however I still want to travel, what should I do?
    If You would like to take Your Trip without Your Traveling Companion, we will reimburse You for the occupancy upgrade charge, provided Your Traveling Companion has canceled or interrupted his or her Trip for a covered reason.
  • Why is age important?
    Age is important as the premium cost is calculated based on age, Trip Cost and Trip length.

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