Travel Insurance

You’ve been looking forward to your vacation for a long time and now you’re ready to make plans. We strongly suggest the purchase of travel insurance to protect yourselves and your vacation investment.

Access America Vacation Protector provides protection against the loss of your vacation deposit or payments if unforeseen circumstances cause you to cancel or postpone your trip.

Why Vacation Protector?
Think about the possibility of not being able to go on vacation, or having to cut your trip short for some reason. It’s not a pleasant thought but neither is putting a significant amount of money in jeopardy. Access America’s Vacation Protector has been specifically designed to protect most travel-related losses, stepping in where other insurance benefits leave off.

When you purchase Vacation Protector, your vacation deposit and nonrefundable fees are protected if your trip is cancelled, interrupted or postponed for a covered reason. You and your traveling companions will also be covered for travel delays, baggage delays, and baggage theft and damage as well as emergency medical situations.*

Here are a few examples:**
• Your spouse becomes ill a few days before departure and you must cancel the trip.
• A member of your family back home passes away while you are away forcing you to cut your trip short.
• You lose your job shortly before departure and must cancel your trip.
• You arrive by air but your bags do not.

There When You Need Us
Travel far from home with the confidence that Access America’s Customer Service Representatives are available 24 hours a day, seven days a week to assist you with everything from major emergencies to simple inconveniences.

Description of Benefits† A description of benefits and coverage and Access America's customer contact information can be accessed by clicking here. What follows is a brief description of the travel benefits provided to you and your eligible traveling companions under this program.

Trip Cancellation/Interruption†: Trip Cancellation/ Interruption coverage provides financial protection for expenses related to trip cancellation or interruption caused by a covered reason, including job loss, injury, illness and a traffic accident. Trip Cancellation coverage provides reimbursement for prepaid, nonrefundable expenses, like vacation deposits. Trip Interruption coverage offers reimbursement for the unused, non-refundable portion of the trip and any increased transportation costs to return home due to a covered reason.*

Emergency Medical Transportation: In the event of injury or illness, the coverage will pay for emergency medical transportation services*, which are required to move you to the nearest appropriate healthcare facility, as well as pay for your return trip home.

Travel Delay†: Provides coverage on a one-time basis for reasonable additional accommodations and traveling expenses incurred* due to a covered delay of at least six hours.
Personal Effects/Baggage Coverage†: Provides benefits for loss, damage or theft of your baggage and personal effects*, provided you’ve taken all reasonable measures to protect, save and recover the property.

Personal Effects/Baggage Delay†: Provides reimbursement for your expenses if your luggage doesn’t arrive when you do and the bags are not located for 24 hours.*
Vehicle Return: Provides transportation for your automobile back to your primary residence should you become ill/injured and unable to drive.*

Roadside Assistance: Provides 24-Hour Emergency Towing, assistance with flat tires, gas, battery jumpstart and winching.*

24-hour Travel Assistance: Our Customer Service Associates are always available. They can help provide travel and emergency assistance for common travel incidents—from medical emergencies to legal referrals and travel planning.

Pre-existing Conditions Exclusion:
The program does not cover losses or expenses if they result from any injury, occurring prior to and including the effective date of this insurance, or any illness, occurring during the 120 days prior to and including the effective date of this insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment.

Pre-existing Conditions Exclusion Waiver:
If you purchase your policy within 21 days of the initial trip deposit, purchase enough insurance to cover the full cost of all trip arrangements, are medically able to travel at the time of insurance purchase, and have not filed a claim for trip cancellation due to a pre-existing illness within 120 days of the effective date of this insurance, we will waive the Pre-existing Conditions Exclusion. This waiver is available for trips costing $10,000 or less.

For More Information
Contact your Resort or Property Manager to obtain more information on Vacation Protector, or to review a copy of the Certificate of Insurance/Policy.

About Access America
Access America, the travel division of World Access, provides specialty insurance products and emergency assistance services to millions of people annually. World Access is a member of the Mondial Assistance Group, the world’s leader in business-to-business assistance, services and travel insurance, with operations in 29 countries.

Access America is a service mark of World Access Service Corp.
Satisfaction Guaranteed Within ten days of purchasing this program, your Resort or Property Manager will process a full refund of premium to you as long as you have not already departed on your trip or filed a claim. No refunds shall be paid to you after ten days of purchasing the program.

Access America Vacation Protector Customer Service: 1-800-310-2431

† Insurance coverage is provided under a Master Policy Form No. 52.201 or 52.401 issued by BCS Insurance Company. Coverage for these benefits is limited to a trip of 120 days or less; hurricane coverage applies beyond 120 days as long as you continue to rent the property. For a complete description, including the exclusions, conditions and limitations that apply, please see the Certificate of Insurance/Policy.

*Up to the covered amount.

** These are just a few events that could form the basis of a covered Vacation Protector insurance claim. For more details of the program, including applicable terms and limitations of coverage, please refer to the Certificate of Insurance/Policy or consult your Resort or Property Manager.

Vacation Protector insurance Certificate of Insurance
 

Property Damage Protector

Vacation Rentals North offers you the option of purchasing a Property Damage Protector for $ 55.00 or $97.50 depending on the trip length, in lieu of paying a damage deposit when reserving the residence. Purchasing the Property Damage Protector protects you from financial burden for losses due to damages that occur accidentally within the property or to theft of personal property of the property owner, while you occupy the residence.

The Property Damage Protector provides insurance coverage up to $3,000 per stay and is valid for the entire stay. By purchasing the Property Damage Protector You and Your Traveling Companions will not be obligated to pay for damage or theft to the contents of the rental unit you occupy.

Property Damage Protector Does Not Cover:

1. Intentional acts of a guest and traveling companions;
2. Gross negligence or willful conduct;
3. Any loss, if a guest or traveling companions do not take reasonable and prudent measures to protect the residence;
4. Any loss, if the guest does not report the damage to Vacation Rentals North staff by the time of vacating the residence;
5. Normal wear and tear;
6. Theft without forced entry;
7. Damage or loss caused by any pet or other animal allowed onto the premises by a guest or traveling companions.

* A Certificate of Insurance/Policy with exclusions, conditions, and limitations that may apply will be sent out to you upon purchase.

Property Damage Protector Certificate of Insurance

 

Serving Petoskey, Harbor Springs, and Little Traverse Bay areas of Michigan