Inka's Empire Tours provides Travel Guard's ProtectAssist Gold policy for U.S. and Canadian residents through
the age of 59 years (over that age, there is a
supplementary fee). Others
are advised to purchase coverage in their home country and will
receive a five-percent reduction in the tour price. Our policy even reimburses guests who cancel their tour due to termination of employment, layoff from a job held for at least one year or work reasons. For questions
about the travel insurance and how it applies to your particular
circumstances, please call Travel Guard (1-800-826-4919)
or the company you have selected in your own country. You may
wish to consider air flight insurance for your international tickets. Inka's can include it
for an additional cost of 6% of the fare.
Why Inka's includes travel insurance
There are hundreds of circumstances
that could cause you to cancel your tour, return home early or,
even worse, force you to seek emergency medical treatment while
traveling. To demonstrate the importance of travel insurance,
here are ten common examples of what could go wrong.*
1. You could lose money you've invested
in your tour, such as nonrefundable deposits, if bad weather
conditions cause delay or cancellation of your trip.
2. You may have to cut your tour short
and return home for an emergency, such as an unexpected illness
or death in the family, forcing you to lose the remaining pre-paid
portion of your tour and pay a ticket change fee for your return
3. Your luggage could be lost, delayed
or stolen, forcing you to purchase additional clothes, essentials
or even prescription medications.
4. The airline, cruise line or tour
operator with which you are scheduled to travel suddenly ceases
operation or goes on strike, leaving you with no option but to
cancel your trip... with no recourse for reimbursement.
5. Most major health plans in the U.S.,
Medicare and Medicare supplements offer little or no medical
expense protection outside the U.S. (Medicare and Medicaid provide
no coverage outside the U.S.)
6. Due to an accident or a sudden illness,
you, a family member or companion may require emergency medical
evacuation while traveling. Many of U.S. health plans, including
HMOs and PPOs, will not cover emergency medical evacuations.
7. You could run into major travel delays,
forcing you to miss a portion of your tour and be forced to pay
additional lodging expenses while you wait.
8. You could be forced to evacuate your
accommodations due to a named hurricane or other weather conditions,
cutting your tour short... with no recourse for reimbursement
for the remaining portion of your trip.
9. You could lose your important travel
documents, stranding you while traveling abroad.
10. You could be forced to cancel your
tour because a terrorist incident occurred in a city within 30
days of your planned arrival... with no recourse for reimbursement.
*These scenarios are offered
only as examples. Insurance is underwritten by American Home
Assurance Company, a New York insurance company which is a member
of the AIG Companies, with its principal place business at 70
Pine Street, New York, NY 10270. It is currently authorized to
transact business in all states and the District of Columbia.
NAIC No. 19380. This is only a brief description of the insurance
coverages available. Full details of the coverage are contained
in the Policy. The Policy contains reductions, limitations, exclusions,
and termination provisions. If there are any conflicts between
this document and the Policy the Policy shall govern. Not all
coverages available in all states.
Why has Inka's chosen Travel Guard's ProtectAssist Gold