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Travel Smart Plan™ Program
FREQUENTLY ASKED QUESTIONS
1. Why should I sell the Travel Smart Plan program to my clients?

You’ve worked hard to guide your client through all of the options, found the best price, made the reservations and booked their activities and then the client calls to cancel. The Travel Smart Plan program with increased client and agent benefits is the most comprehensive and competitive benefits package in the industry.

The Travel Smart Plan program covers your clients if:
  • The price of their vacation increases. Once we receive payment the price is guaranteed unless the client initiates a change that results in a new price or certain taxes or surcharges are imposed.
  • Someone in their immediate family has an illness or injury, even if they aren't scheduled to travel with them.
  • Your client’s home is damaged due to flood from a hurricane or natural disaster.
  • A family member back home passes away and they must return from their vacation early.
  • Your client's luggage is lost by the airline.
  • Your client is hurt and must visit a doctor while traveling
  • Other unforeseeable events occur as listed in the Description of Coverage
Plus the Travel Smart Plan program covers up to 50% of your commission if you qualify and your client cancels prior to travel

2. What does the Travel Smart Plan program cover for my clients?

With the Travel Smart Plan program, we will waive Classic’s standard fees in the event of a booking change or cancellation:
  • $50 per adult change after deposit up to 31 days before departure and $100 per adult for cancellations or changes made 30 days or less prior to departure. Travelers 17 years of age and younger are covered at no cost when all adults in your client's traveling party purchase the Travel Smart Plan program
The Travel Smart Plan program protects your clients from:
  • Penalties should your client need to cancel his or her trip for any reason.
  • Hotel, air, and rental-car price increases (unless your client makes a change that results in a higher price).
  • Change or cancellation fees for tours and activities if canceled 24 hours prior to scheduled use.
  • Airline change or cancellation penalties except for published air or other restricted fares.
  • Any Classic Vacations change or cancellation fees prior to travel for any reason. A maximum of two changes are allowed on published air and other restricted air fares per person per booking.
  • If your client returns early from his or her vacation, Classic Vacations will refund all unused hotel and car rental components originally booked through Classic Vacations if minimum stay requirements have been met.
  • Trip Cancellation and Trip Interruption: If your client must cancel or interrupt his or her trip for a covered reason, the plan provides coverage up to his or her TOTAL VACATION COST ($25,000 maximum). Covered reasons include illness, injury or death to your client, a traveling companion or a family member. Additional covered reasons for cancellation include jury duty, subpoena, having a home made uninhabitable by a natural disaster, hijacking, quarantine and being involved in a documented traffic accident en route to departure. Please refer to the Description of Coverage for full details and exclusions.
  • Trip Delay: If your client should miss the departure of his or her trip due to carrier-caused delays or other covered reasons, the plan reimburses him or her up to $1,000 for unused travel arrangements and/or out-of-pocket costs such as accommodations, meals and transportation expenses in order to catch up to the trip or to return home.
  • Emergency Evacuation/Repatriation: If an injury or illness requires emergency medical transportation to the nearest appropriate medical facility, the plan will pre-pay up to $50,000 for covered transportation expenses. In addition, in the event of your client's death, the plan pays up to $50,000 toward the expenses associated with transporting his or her remains.
  • Medical Protection: If your client becomes ill or injured while on the trip, the plan will reimburse him or her up to $25,000 in medical expenses. Medical coverage while traveling overseas is particularly important as Medicare and many major medical policies may not cover medical expenses incurred outside the U.S.
  • Baggage Insurance Protection: If baggage and/or personal effects should become lost, stolen or damaged during or while in transit to or from your client's vacation, the plan will reimburse him or her up to $1,000. The program also includes baggage delay protection, covering your client up to $500 for the purchase of necessary items in the event his or her luggage is delayed by a common carrier for more than 24 hours from the time your client arrives at his or her destination.
  • 24-Hour Worldwide Emergency Assistance: 24-hour emergency telephone assistance hotline is provided by Travel Guard to help with travel-related emergencies ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring.
*Some exclusions and limitations apply. Please see the Description of Coverage for complete details. The Travel Smart Plan program includes insurance coverage (the last six bullet points) whose benefits are administered by Travel Guard International on behalf of National Union Fire Insurance Company of Pittsburgh, PA. This plan is valid only if the appropriate plan cost has been paid.

3. How does the commission protection for travel agents work?

We offer three tiers of protection:
  1. 50% of your earned commission up to $100 per booking.
  2. 50% of your earned commission up to $250 per booking. To qualify, your travel agency must achieve a minimum annual sales threshold of $25,000 in qualified sales
  3. 50% of your earned commission up to $500 per booking. To qualify, your travel agency must achieve a minimum annual threshold of $500,000 in qualified sales.
Commission claim forms are available on C4A or through your Classic BDM. Classic reserves the right to cancel this program in its entirety or remove participants at its sole discretion.

4. Are there any limitations on the coverage for non-refundable air?

Yes, non-refundable air is covered under the plan for covered reasons only, both pre- and post- travel. Full payment of non-refundable air is required at the time of booking in order to take advantage of the plan.

5. Will my client's current homeowners, renters, credit card or health insurance policies cover him or her during the trip?

Your client's would have to check the specifics of his or her particular policy. Most other policies will not cover your clients if they must cancel their trip.
6. My client has a pre-existing medical condition; will the plan cover him/her?

Even if your client has a medical condition that has been unstable in the last 90 days, you should still consider enrolling him or her in the Travel Smart Plan program because you can eliminate the Pre-Existing Condition exclusion by simply enrolling in the plan at the time of booking. Doing so will remove the exclusion from the plan so that even pre-existing medical conditions can be covered. So long as your client is medically able to travel at the time of purchase, waiving the Pre-Existing Condition exclusion is the easiest way to alleviate doubt as to coverage for chronic medical conditions. There are some conditions that are not covered by the policy such as anxiety-related mental or nervous disorders. This feature is part of the insurance coverage administered by Travel Guard International on behalf of National Union Fire Insurance Company of Pittsburgh, PA. Please see the Exclusions section of the Description of Coverage to view these conditions.

7. How many changes can I make to my reservation?

Only two changes are allowed for published air and certain other restricted air fares. Other than that, unlimited changes to a reservation are allowed.

8. When is payment for the plan due and how do my client's enroll?

Your client's must pay in full at the time of his or her vacation. The cost of the plan will automatically be reflected in the total amount due on your invoice. Your client's are enrolled upon Classic Vacations' receipt of payment for the applicable plan cost (in addition to required deposits and/or final balances).
9. When does coverage go into effect and will it cover my clients for the entire length of his or her trip?

The Trip Cancellation Waiver coverage and price protection take effect upon receipt of the required plan cost by Classic Vacations. All other benefits will take effect at 12:01 A.M. on your client's scheduled departure date and location. Your client's coverage will remain valid until 11:59 P.M. on his or her scheduled completion date or his or her return to origination point as stated on his or her tickets, whichever is earlier. Please see the Description of Coverage for detailed information.
10. What happens if my client's need to cancel his or her trip?

Please contact Classic Vacations, and Travel Guard as soon as possible in the event of a claim as the plan will not pay benefits for any additional charges incurred due to a delay in notifying Classic Vacations of your client's cancellation. Travel Guard will then forward you the appropriate claim form in order to file a claim.
11. How do I file a claim on behalf of my client?

In the event of a claim, please call Travel Guard, the plan administrator, at 1–866–807–7259. Please note that you may want to have a copy of your Classic Vacations invoice handy when you call as there are some details that will be needed in order to initiate your claim. This information includes your travel dates, date of cancellation, Classic Vacations booking number, and some brief information regarding your reason for cancellation, or other type of loss (i.e., trip delays, baggage loss or delay, medical claims, etc.). Important: If you are canceling your vacation, be sure to also contact your travel agent and/or Classic Vacations to notify them of the cancellation, as well as to avoid additional expenses due to late reporting.

For covered emergencies during your trip which require evacuation, interruption, or other travel-related emergencies, call Travel Guard and provide them with your policy number and emergency details.
Call your Travel Agent or 1.800.635.1333 for planning assistance. Top
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