Travel Protection

Ease your mind with the complete package of R & J Tour Cancellation Protection and OnTour Insurance. We hope that your trip will be even more than you’ve dreamed!

Part A – Tour Cancellation Waiver prior to departure – provided by R&J Tours:

R & J Tour’s Cancellation Protection:
Many of our guests have found R & J Tour’s Tour Cancellation Waiver to be a cost effective way to obtain reimbursement of their travel investment in the event of a need to cancel before leaving. .
Most people spend time before their trip imagining all the things they will do and see on the road and don’t think about all the common reasons that their trip could be cancelled before they even leave. R & J Tour’s Cancellation Protection will cover your trip investment if you have to cancel for any reason including severe weather, family illness, medical emergencies and other unexpected events. .
This Tour Cancellation Waiver is not insurance since it is provided by R&J Tours. Should you have to cancel your R & J Tour before departure, you’ll be glad you invested in R & J Tour’s Cancellation Protection. Upon purchase, it protects the full value of your travel investment. With our Tour Cancellation Protection, you will be guaranteed a full refund of all payments, excluding the travel protection premium, should you need to cancel your tour for any reason prior to departure.

 

Exclusions:

  • R & J Tours reserves the right to modify it’s refund and cancellation policy when a sizeable amount of cancellation or delay of travel that is related to or arising out of: acts of God, weather, government actions, mechanical breakdowns, acts of terrorism and war. In any one of these circumstances, R & J will credit your tour monies into your Travel Bucks account to be used within one year of original departure date.
  • The Travel Protection Plan does not cover any single supplement charges which would occur when an individual’s traveling companion needs to cancel and the individual is unable to find another roommate.

Part B – Travel Insurance Benefits – while on Tour:

R & J’s Travel Protection Plan, provided by Trip Mate:
If you are like a lot of people these days, you don’t just look forward to your vacations, you need them. A vacation is your opportunity to rest, relax, and recharge your batteries. Or to catch up with friends and family. Unfortunately, many things happen that might cause you to cancel your travel plans or cut them short: Illness, injury, or the death of a family member. The worst part is, without adequate protection, you can lose your travel investment. The R & J Tours Travel Protection Plan protects your travel investment if your Trip is canceled or interrupted for a covered reason for you, a Family Member, a Traveling Companion, a Business Partner, or due to a Terrorist Incident.
If you must interrupt your Trip or return home early for a covered reason, the plan will pay (up to the original cost of your Trip) for your unused land or water Travel Arrangements, less any refund paid or payable, plus the Additional Transportation Cost to return home or rejoin your Trip.

 

Tour Cost Trip Interruption

Trip Interruption Trip Cost
Accidental Death & Dismemberment $10,000
Missed Connection $500
Medical Expense/Emergency Assistance $50,000
Accident and Sickness Medical Expense Included in the $50,000
Emergency Evacuation and Repatriation Included in the $50,000
Travel Delay (up to $100 per day) $500
Baggage & Personal Articles $1,000
Baggage Delay $100

 

Trip Interruption – Up to Trip Cost:
If you must interrupt your Trip after departure due to a covered Injury, Sickness, or death – your own or that of a Traveling Companion or a Family Member or for Other Covered Reasons, as defined, you will be reimbursed for the unused, non-refundable land or water arrangements and the additional transportation charges paid to return home or to rejoin your Trip.

Missed Connection – Up to $500:

Provides reimbursement for the additional transportation expense incurred and/or the unused, non-refundable land arrangements if Your arrival at Your Trip destination is delayed for 3 or more hours due to a covered reason

Travel Delay – Up to $100/day (maximum $500)
Provides reimbursement up to $100 per day (maximum $500) for reasonable accommodation, meal and local transportation expenses if you are delayed for more than 12 hours due to a covered reason such as common carrier delay; quarantine; loss of passport, travel documents or money; or natural disaster; or a documented weather condition preventing you from getting to the point of departure.
Medical Expense/Emergency Assistance – Up to $50,000
Provides reimbursement for reasonable and customary medical expenses incurred during your Trip and for emergency dental treatment received during your Trip not to exceed $750; for the costs of emergency transport to the nearest Hospital or medical facility, including escort expense (both, if deemed necessary by the attending Legally Qualified Physician) for a covered Injury or Sickness which occurs while on your Trip; or the cost of homeward carriage if deceased.
Accidental Death & Dismemberment – Up to $10,000
These benefits are paid if loss occurs within 181 days of a covered Injury which occurs while on your R & J Tour Trip.
Baggage and Personal Effect – Up to $1,000
Coverage for direct physical loss or damage to your Baggage, passports, or visas while on your Trip. A $600 maximum limit applies to jewelry, watches, cameras and camera equipment, and furs – a $300 per article limit applies to all other items.
Baggage Delay – Up to $100
If, while on your Trip, your Baggage is delayed for 24 hours or more, the plan will pay up to $100 for the purchase of necessary additional clothing and personal articles.

 

The Plan includes a Pre-Existing Condition Exclusion which: means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: (1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or (2) took or received a prescription for drugs or medicine.   Item #2 of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Plan.

If payment for the Plan is received by R&J Tours within 14 days of the initial Payment or Deposit for Your Trip, and you are not disabled from travel at the time Your Plan payment is made, then the Pre-Existing Condition exclusion is waived.

 

Information you need to know:

Benefits noted above are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all coverages and services. This description does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits, limits and provisions may vary by state jurisdiction. To review full plan details online, go to: www.tripmate.com/wpF428R.

 

If you choose to purchase the Plan, you will receive a link to the Plan Documents which describe the services, benefits and limitations in detail. You may cancel this plan by giving R & J Tours written notice within the first to occur of the following: (a) 10 days from the Effective Date of Your insurance; or (b) Your Scheduled Departure Date. If You do this, We will refund Your plan payment paid provided no one has filed a claim under the plan.

 

The Part B Travel Insurance Benefits are underwritten by: United States Fire Insurance Company. Non-insurance related services are provided by: One Call 24-Hour Assistance Services and Global XPI are services and are not underwritten by United States Fire Insurance Company.

24-Hour Assistance Service is provided by: One Call Travel Services Network, Inc.

Insurance Benefits are administered by: Trip Mate, Inc. (in CA & UT, dba Trip Mate Insurance Agency)., 9225 Ward Parkway, Suite 200, Kansas City, MO 64114, 1-800-888-7292.

 

For residents of New York only: The Trip Cancellation Waiver, provided by R&J Tours, may be purchased separately without purchase of the Travel Protection Plan.