Travel Protection

What Travel Protection Covers

• • Trip Cancellation and Trip Interruption provide coverage for cancellation or interruption of a trip due to reasons such as injury, illness or death suffered by the insured or a member of the insured’s immediate family.
  • Medical Expense/Emergency Evacuation can provide Medical Expense benefits for a covered Sickness or covered Injury incurred while on Your Trip. Under certain circumstances detailed in the plan, this covers the cost to transport you to a medical facility to treat a sickness or injury that is acute or life threatening.
  • Baggage & Personal Effects provides coverage for loss, damage or theft of baggage and personal belongings. Tour members are encouraged to check to see if they are covered for baggage loss under their homeowner’s policy.
  • Cancel For Any Reason Benefit (Plan #R774P only)* gives tour members the option to cancel their tour for any reason up to 2 days prior to the scheduled departure date and be reimbursed 75% of the nonrefundable costs paid for their trip. Travel protection with CFAR needs to be purchased within 21 days of MCI’s receipt of the first per person payment.

    *Cancel for Any Reason Benefit is not available to NY Residents. Additional cost and terms apply.

What is Included In Your Tour Package?

MCI includes liability for all tour packages, and standard travel protection is included for all groups traveling by air.

• • Liability Insurance (Included in all Tour Packages), underwritten/provided by Arch Insurance
    • $3,000,000 MCI Tour Liability Insurance Coverage
  • Standard Travel Protection(Included in All Tours Traveling by Air), includes Travel Insurance underwritten by US Fire Insurance Company
    • $10,000 – Accidental Death and Dismemberment
    • $300 – Baggage and Personal Effects Coverage
    • $1,000 – Accident and Sickness Medical Expense
    • $50,000 – Emergency Evacuation, Medical Repatriation, and Return of Remains
    • $600 – for each of the following coverages: Trip Cancellation, Trip Interruption, Travel Delay, and Missed Connection

Please Note: The totals above represent maximum benefit amounts. Coronavirus is treated the same as any other sickness under the terms of the plan

WHat the Travel Protection Plan Upgrade Offers Tour Members

Upgraded Travel Protection Plan Options are available for tour members to purchase and includes:

• • Increased Travel Delay benefit of $300 per day, $4,200 total. Should a tour member need to quarantine while on tour, this benefit may apply
  • Up to $50,000 of coverage for accident or sickness medical expenses
  • Trip Cancellation coverage up to the insured Trip Cost
  • Trip Interruption coverage up to 150% of the insured Trip Cost
  • Up to $1,500 of coverage for baggage and personal effects
  • Up to $750 of coverage for a baggage delay of 24 hours or more
  • Up to $1,500 of missed connection coverage
  • Increased Accidental Death and Dismemberment coverage up to $25,000
  • Optional cancel for any reason coverage* (*not applicable to residents of the state of NY)

To calculate a tour member’s plan cost for the Upgraded Travel Protection Plan, please follow the link below to generate your quote.

Trip Mate

1-833-297-2258

Music Celebrations International

Call 1-800-395-2036 to contact your representative at MCI

When the upgrade to the Premier plan is purchased, it supersedes the Standard Plan and all applicable benefits will be paid via the Premier plan coverage.

The following exclusions apply to both plans R774P and R774D: 1. suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane; 2. an act of declared or undeclared war; 3. participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard; 4. riding or driving in races, or speed or endurance competitions or events; 5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment); 6. participating as a professional in a stunt, athletic or sporting event or competition; 7. participating in skydiving or parachuting except parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, any race, speed contests not including any of the regatta races, spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive; 8. piloting or learning to pilot or acting as a member of the crew of any aircraft; 9. being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician; 10. the commission of or attempt to commit a felony or being engaged in an illegal occupation; 11. normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion; 12. due to a Pre-Existing Condition, as defined in the Plan. The Pre‑Existing Condition Limitation does not apply to the Emergency Medical Evacuation or Return of Remains coverage; 13. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law; 14. a loss or damage caused by detention, confiscation or destruction by customs; 15. Elective Treatment and Procedures; 16. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment; 17. business, contractual or educational obligations of You, a Family Member, Business Partner, or Traveling Companion; 18. a mental or nervous condition, unless hospitalized for that condition while the Plan is in effect for You; 19. a loss that results from a Sickness, Injury, disease or other condition, event or circumstance which occurs at a time when the Plan is not in effect for You; 20. Bankruptcy or Default or failure to supply services by a supplier of travel services; 21. due to loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto; or 22. an assessment from a Legally Qualified Physician advising You in writing that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Plan, at the time of purchases of Coverage on Your Trip. Additional Limitations and Exclusions Specific to Baggage and Personal Effects: Benefits are not payable for any loss caused by or resulting from: a) breakage of brittle or fragile articles; b) wear and tear or gradual deterioration; c) confiscation or appropriation by order of any government or custom’s rule; d) theft or pilferage while left in any unlocked vehicle; e) property illegally acquired, kept, stored or transported; f) Your negligent acts or omissions; g) Your property shipped as freight or shipped prior to the Scheduled Departure Date; h) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Excess Insurance: The insurance provided by this Plan (except Accident and Sickness Medical Expense, Emergency Medical Evacuation, Medical Repatriation and Return of Remains) shall be in excess of all other valid and collectible Insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible. The Coordination of Benefits (“COB”) provision applies to This Plan when an Insured has health care coverage under more than one Plan.

This advertisement contains highlights of the plans developed by Trip Mate, a Generali Global Assistance & Insurance Services brand, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al provided by Generali Global Assistance, FootprintID® and Blue Ribbon Bags. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll-free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate, a Generali Global Assistance & Insurance Services brand, P.O. Box 527, Hazelwood, MO 63042; 1-833-297-2255; assistancefees@tripmate.com. We are licensed in all states. While Trip Mate markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Trip Mate, and Trip Mate does not receive compensation from USF for providing the non-insurance components of the plans.