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The Importance of Travel Insurance
Los Angeles Guest Suites makes every effort to give you the best travel experience in Los Angeles possible, but there are events completely beyond our and your control that could alter your travel plans and cause you considerable financial loss. If you should have to cancel one of our programs close to departure, you could lose 100% of the money you prepaid. A medical expense or an emergency medical evacuation could cost tens of thousands of dollars and the loss of your personal effects could be a financial burden as well.
In response to these risks, we have contracted with Travel Insurance Services to offer our customers Preferred Benefits™ - a special comprehensive Trip Cancellation /Interruption, medical and medical evacuation package at a very reasonable rate. What follows is a summary of these very important benefits for your review. At the time you book your arrangements we will quote you the price of this plan to cover 100% of your property rental cost per person. We strongly encourage you to include this cost with your property rental deposit.
Preferred Benefits™-Summary of Coverages
Trip Cancellation / Interruption
Pays up to Trip Cost (Max. $15,000 per person) for non-refundable payments/deposits if the Trip is canceled prior to departure; or any unused land, cruise or rail arrangements and up to a one-way economy airfare to return home or rejoin the Trip if the Trip is interrupted or cancelled after departure.
Covered Reasons:
Cancellation/Interruption must be due to a covered reason such as: Injury, sickness, death or due to Other Covered Events, such as: Air Carrier delay due to strike; cancellation of arrangements by an airline, cruise line or tour operator due to bad weather, strike or Financial Insolvency; a traffic accident while enroute to a departure; jury duty; destruction of a residence by a natural disaster; a documented theft of passports or visas; Terrorist Act(s) in a departure or destination city that occurs within the 30 days before or after the Scheduled Departure Date for your Trip.
$50,000 Accident and Sickness Medical Expense
Covers medical expenses incurred within one year of an injury or sickness suffered during your Trip and emergency dental treatment by a dentist during your Trip.
$100,000 Emergency Evacuation and Repatriation/Emergency Assistance
Pays for evacuation and transportation as directed by a physician to the nearest adequate medical facility, or to your U.S. residence; expenses for a Physician recommended escort; or in the event of death, transportation of your remains home.
$500 Travel Delay
Covers additional accommodation and traveling expenses up to $100 per day (maximum $500) when your Trip is delayed 12 hours or more due to a covered reason such as: Common Carrier delay, lost or stolen documents, sickness or injury.
$1,000 Baggage/Personal Effects/Baggage Delay
Covers up to $1,000 loss or damage to baggage, personal effects and travel documents during your Trip. A $100 benefit is included for the purchase of additional clothing and personal articles when baggage is delayed more than 24 hours.
$25,000 Accidental Death & Dismemberment
Covers death and loss of limb or eyesight within 365 days of an accident.
Terms and Conditions
Certain exclusions and limitations apply and are detailed in the Travel Insurance Certificate. For example, coverage does not apply to: Any sickness or condition of you, a traveling companion or immediate family member traveling with you, that existed during the 60 days prior to the effective date of the coverages; suicide; mental or nervous disorders; normal pregnancy; war or any acts of war; Financial Insolvency of the company you made direct payment to for the Trip; or Financial Insolvency that occurs within 15 days following your premium payment. A Traveling Companion is defined as a person booked to share the same room or cabin during the Trip.
Important: Time Sensitive Provisions
The exclusion for Pre-Existing Conditions is waived, provided premium for this policy is received no later than 15 days after the initial deposit/payment for your Trip and you are not disabled from travel when you pay your premium.
The Trip Cancellation/Interruption benefits for Financial Insolvency (default/bankruptcy) are included, provided premium for this policy is received no later than 15 days after the initial deposit/payment for your Trip.
The insurer will not pay for loss or expense incurred as the result of Injury, Sickness or other condition of the Insured, a Traveling Companion, Business Partner, or an Immediate Family Member booked to travel with the Insured, which, within the 60 day period before the insured's coverage began:
(a) first manifested itself, worsened, became acute, or had symptoms which would have prompted a reasonable person 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 treatment by a Physician or treatment had been recommended by a Physician.
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