Chat With A Live Agent
WorldTravelCenter is now TravelInsuranceCenter WorldTravelCenter is now TravelInsuranceCenter
+1 866-979-6753 or +1 402-343-3699 (source id: wtc)
 
TravelInsuranceCenter.com - The Travel Insurance Experts TravelInsuranceCenter.com - The Travel Insurance Experts Instant online insurance for all nationalities traveling anywhere in the world
Travel Safe with Travel Insurance or Travel Medical Insurance from TravelInsuranceCenter.com
We offer International Medical Insurance Plans The Travel Insurance Experts! We offer Global Insurance Benefits Protect your loved ones with AD&D and Life Insurance
home
products
my policies
helpdesk
affiliates
Frequently Asked Questions (FAQs)
Insuractive Frequently Asked Questions

If this is your first experience buying Annual Travel Accident Elite, we've compiled a list of Frequently Asked Questions to help you make your decision. Please read them over and see if your question is answered. If not, we invite you to contact us so that we may offer further assistance.
 
Annual Travel Accident Elite
  • What is the definition of a "covered trip"?

  • What does this travel accident insurance cover?

  • On one description an act of "Terrorism" is covered and on another, an act of "Declared of Undeclared War" is excluded. Can you please explain this?

  • What is the definition of Common Carrier?

  • Defense Base Act Insurance
  • Is DBA insurance available to contractors of all sizes, including small subcontractors?

  • Is DBA insurance optional?

  • What types of benefits are provided?

  • How are DBA insurance rates computed?

  • Why do DBA insurance minimum premiums exist?

  • Why is the coverage costly?

  • Is there oversight from the U.S. government on claims?

  • GBG Annual TravelCare360
  • What is the procedure in filing a claim?

  • Global Accident Protection 24/7
  • I leave later today, can I still purchase this policy?

  • Single Round Trip Travel Accident Elite
  • On one description an act of "Terrorism" is covered and on another, an act of "Declared of Undeclared War" is excluded. Can you please explain this?

  • What is the definition of a "covered trip"?

  • What does this travel accident insurance cover?

  • What is the definition of Common Carrier?

  • What is the definition of a "covered trip"?

    “Trip” means scheduled travel on a Common Carrier, up to 185 consecutive days.  A Trip begins when you leave your residence or place of regular employment (whichever occurs last) to travel directly to the station, terminal or airport immediately preceeding departure on such Common Carrier.  A Trip ends when you return to your residence or place of regular employment (whichever occurs first), after leaving the station, terminal or airport immediately after arrival on such Common Carrier.




    What does this travel accident insurance cover?
    This insurance provides coverage while on a Trip in the event of an accidental Injury that is the sole cause of loss of life, limb, sight, speech or hearing, thumb and index finger while riding as a Passenger in or on (including getting in or out of, or on or off of or being struck by) any Common Carrier or Public Conveyance. “Passenger” means a person not performing as a pilot, operator or crew member of a conveyance. “Public Conveyance” means any land or water motorized Common Carrier, regardless of whether a ticket has been issued, including taxi, bus, train or airport limousine, but not including courtesy transportation provided without a specific charge.


    On one description an act of "Terrorism" is covered and on another, an act of "Declared of Undeclared War" is excluded. Can you please explain this?
    An act of war is between two countries or a known armed conflict between two or more nations.

     the term "act of war" means any act occurring in the course of-
    (A) declared war;
    (B) armed conflict, whether or not war has been declared, between two or more nations; or
    (C) armed conflict between military forces of any origin; and

    As opposed to an act of terrorism.

    the term "terrorism" means activities that-
    (A) involve acts dangerous to human life that are a violation of the criminal law
    (B) appear to be intended-
    (i) to intimidate or coerce a civilian population;
    (ii) to influence the policy of a government by intimidation or coercion; or
    (iii) to affect the conduct of a government by mass destruction, assassination, or kidnapping




    What is the definition of Common Carrier?

    “Common Carrier” means any air, land, or water motorized conveyance operated under a license for the transportation of Passengers for hire for which a ticket has been issued. Common Carrier will not mean cruise ships at sea more than 12 consecutive hours or any conveyance that is hired or used for a sport, gamesmanship, contest and/or recreational activity, regardless if such conveyance is licensed, such as, but not limited to, race cars, bob sleds, hunting vehicles, sightseeing helicopters, fishing boats, parasailing/paragliding and boat cruises operating beyond 12 hours.




    Is DBA insurance available to contractors of all sizes, including small subcontractors?

    Yes, DBA insurance is available in the U.S. insurance market for contractors of all sizes, including small subcontractors, and is generally placed through insurance brokers or agents specializing in international property and casualty insurance. While a number of U.S. insurance carriers provide DBA insurance, some employers can exercise their right to become qualified self-insurers through the Department of Labor, and can thus cover their own losses. 




    Is DBA insurance optional?

    No, as a general rule DBA insurance is not optional. United States federal law requires that DBA insurance be purchased for certain situations, including those in which U.S. or foreign-based employers contract with the U.S. Government (USG) to perform certain USG projects or services outside the continental U.S., including public work contracts involving construction and services provided in connection with the national defense or war activities outside the U.S. DBA insurance is also required when such employers contract to perform certain projects on U.S. military bases outside the U.S. Failure to obtain DBA insurance can result in stiff penalties.




    What types of benefits are provided?

    DBA insurance provides for short- and long-term disability benefits and medical benefits to covered employees who are injured or killed in the course of their employment. The coverage also provides death benefits for their eligible survivors. According to the U.S. Department of Labor, permanent total disability and death benefits may be payable for life, and are subject to annual cost of living adjustments.




    How are DBA insurance rates computed?

    Like domestic U.S. workers’ compensation insurance rates, DBA insurance rates are either computed per $100 of payroll or with a minimum premium established, meaning the premium base for DBA insurance is computed per $100 of covered employee remuneration, subject to a minimum premium level. Additionally, policies are calculated using remuneration as the basis. "Remuneration," sometimes referred to as "pay-roll," means the entire payment for services rendered by the covered employee, whether paid in money or some substitute for money. For purposes of computing premiums, remuneration includes regular pay (i.e., salary or hourly), commissions, and bonuses.

    As with domestic workers’ compensation insurance, DBA insurance rates vary depending on many factors, including for example the hazardousness of the work being performed, the insured’s loss or accident experience, the payroll exposure, the insured’s financial standing, the insured’s and the covered employees’ experience, security and safety practices, and covered employee concentration levels (i.e., employees working, traveling, lodging, or eating together).




    Why do DBA insurance minimum premiums exist?

    The minimum premiums for DBA insurance are generally determined by the carrier to cover significant upfront and administrative costs, including without limitation contract administration, underwriting, claims handling, reinsurance, accounting, etc.




    Why is the coverage costly?

    DBA insurance coverage may seem costly because DBA insurance losses often apply on a much broader basis than standard domestic workers’ compensation insurance losses. Several insurance professionals see DBA insurance as one of the most comprehensive workers’ compensation benefit programs in the U.S. For example unlike typical workers’ compensation coverage, DBA insurance covers employees who typically work more than five days a week and more than eight hours per day, and employees who work under dangerous conditions. Additionally, courts rely on two legal doctrines when making determinations regarding DBA insurance, the "Zone of Special Danger Doctrine" and the "Reasonable Recreation Doctrine." (Please visit http://www.dol.gov/owcp/dlhwc/lspm/lspm0-200.htm for more information on these doctrines.) Section 6. b. (2) and (3)

    Compensation amounts for disability are fixed by law; for example, compensation for total disability is two-thirds of the employee’s average weekly earnings, subject in any event to a specified maximum weekly cap. Death benefits, also set by law, are paid based on the number of eligible dependents, again subject to a specified maximum weekly cap.




    Is there oversight from the U.S. government on claims?

    Yes, the U.S. Department of Labor oversees all DBA claims. Initial losses from Iraq are reported to the New York Department of Labor and Office of Workers’ Compensation for oversight and adjudication. The hearing process includes informal and formal conferences and input from a Benefits Review Board and the Federal Court system.




    What is the procedure in filing a claim?

    You must give written notice as soon as practicable but in any event within 21 days of the loss or event occuring. 

    Claims and proper documentation (receipts, ect.) should be sent to:
    GBG ASSIST - 26000 Towne Centre Drive Suite 130, Foothill Ranch, CA 92610 USA

    Click Here for Claim Form




    I leave later today, can I still purchase this policy?

    Yes, you can purchase this plan as long as you have not departed on your trip. You will receive your policy via email within a few moments after you purchase the policy.




    On one description an act of "Terrorism" is covered and on another, an act of "Declared of Undeclared War" is excluded. Can you please explain this?
    An act of war is between two countries or a known armed conflict between two or more nations.

     the term "act of war" means any act occurring in the course of-
    (A) declared war;
    (B) armed conflict, whether or not war has been declared, between two or more nations; or
    (C) armed conflict between military forces of any origin; and

    As opposed to an act of terrorism.

    the term "terrorism" means activities that-
    (A) involve acts dangerous to human life that are a violation of the criminal law
    (B) appear to be intended-
    (i) to intimidate or coerce a civilian population;
    (ii) to influence the policy of a government by intimidation or coercion; or
    (iii) to affect the conduct of a government by mass destruction, assassination, or kidnapping




    What is the definition of a "covered trip"?

    “Trip” means scheduled travel on a Common Carrier, up to 185 consecutive days.  A Trip begins when you leave your residence or place of regular employment (whichever occurs last) to travel directly to the station, terminal or airport immediately preceeding departure on such Common Carrier.  A Trip ends when you return to your residence or place of regular employment (whichever occurs first), after leaving the station, terminal or airport immediately after arrival on such Common Carrier.




    What does this travel accident insurance cover?
    This insurance provides coverage while on a Trip in the event of an accidental Injury that is the sole cause of loss of life, limb, sight, speech or hearing, thumb and index finger while riding as a Passenger in or on (including getting in or out of, or on or off of or being struck by) any Common Carrier or Public Conveyance. “Passenger” means a person not performing as a pilot, operator or crew member of a conveyance. “Public Conveyance” means any land or water motorized Common Carrier, regardless of whether a ticket has been issued, including taxi, bus, train or airport limousine, but not including courtesy transportation provided without a specific charge.



    What is the definition of Common Carrier?

    “Common Carrier” means any air, land, or water motorized conveyance operated under a license for the transportation of Passengers for hire for which a ticket has been issued. Common Carrier will not mean cruise ships at sea more than 12 consecutive hours or any conveyance that is hired or used for a sport, gamesmanship, contest and/or recreational activity, regardless if such conveyance is licensed, such as, but not limited to, race cars, bob sleds, hunting vehicles, sightseeing helicopters, fishing boats, parasailing/paragliding and boat cruises operating beyond 12 hours.








    Alerts
    FAQs
    Understanding Travel Insurance
    Document Library
    Service & Support

     

    Copyright © 2001 Insuractive, Inc.


    Buy online or call us at +1 866-979-6753 or +1 402-343-3699
    M-Th 7:30AM - 5PM Fri 7:30AM-3:30PM CST
    (source id: wtc)

    Vacation Insurance from TravelInsuranceCenter.com International Medical Insurance from TravelInsuranceCenter.com
    home | products | my policies | helpdesk | insurance providers | affiliates
    contact us | site map | privacy policy | insurance licenses | about us | twitter news archive

    © 2017 Travel Insurance Center and Senior Market Sales, Inc.

    Click here to email an insurance agent.
    USTIA.org Click to verify BBB accreditation and to see a BBB report.