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!
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Part A – Prior to Departure
R & J Tour’s Cancellation Protection:
Many of our guests have found R & J Tour’s Cancellation Protection to be a cost effective way to obtain reimbursement of their travel investment in the event of a need to cancel before leaving.
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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.
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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.
- 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 – 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 or injury. 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 such as injury, illness or death of you, a Family Member, a Traveling Companion, a Business Partner, or due to a Terrorist Incident.
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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 |
| Emergency Evacuation and Repatriation | Included |
| Emergency Dental | $750 |
| One Call 24-Hour Worldwide Assistance | Included |
| Travel Delay (up to $100 per day) | $500 |
| Baggage & Personal Articles | $1,000 |
| Baggage Delay | $100 |
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Trip Interruption – 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 (limited to economy one-way airfare, or first class only, if your original tickets were in first class). Coverage is limited to the value of your original vacation package price.
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Travel Delay – $500 Provides up to $100 per day (maximum $500) for reasonable accommodation and traveling expenses, until travel is possible, if you are delayed for 12 hours or more due to a covered reason such as common carrier delay; quarantine; loss of passport, travel documents or money; or natural disaster.
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Medical Expense/Emergency Assistance – Provides reimbursement up to $25,000 for reasonable and customary medical expenses incurred within 52 weeks of a covered Injury or Sickness which occurs while on your Trip; up to $750 for emergency dental treatment received during your Trip; up to $50,000 for the cost of emergency transport to home or an appropriate Hospital, including escort expense (both, if deemed necessary by the attending Physician) for a covered Injury or Sickness which occurs while on your Trip; or the cost of homeward carriage if deceased.
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Accidental Death & Dismemberment – $10,000
These benefits are paid if loss occurs within 180 days of a covered Injury which occurs while on your R & J Tour.
These benefits are paid if loss occurs within 180 days of a covered Injury which occurs while on your R & J Tour.
Baggage and Personal Effect – $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, computer, and furs – a $300 per article limit applies to all other items. 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.
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The “Travel Protection Plan” defines Traveling Companion as a person or persons with whom a covered person has coordinated Travel Arrangements and intends to travel during the Trip; Family Member as the following relatives – yours or those of your Traveling Companion – spouse, child, spouse’s child, son- daughter-in-law, parent( s), sibling( s), grandparent( s), grandchild, stepbrother- sister, step- parent( s), parent( s)- in- law, brother- sister-in-l aw, aunt, uncle, niece, nephew, guardian, Care Giver, Domestic Partner, foster- child, or ward: and Sickness is an illness or disease of the body which requires treatment of a Legally Qualified Physician after the effective date of insurance and while you are covered under the policy.
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Certain exclusions and limitations apply and are detailed in the “Travel Protection Plan”. For example, coverage does not apply to: a Sickness or condition of you, a Traveling Companion or Family Member traveling with you that existed during the 60 days prior to the effective date of the coverage (this exclusion is waived if you purchase coverage within 14 days of your initial deposit/payment for your Trip), suicide, normal pregnancy, war or any act of war, mental or nervous disorders. This is a brief description of the plan. For further information ask for the Travel Protection Plan which fully details the coverage, provisions, limitations and exclusions of the insurance offered and is available to you, upon request, at anytime prior to your purchase of the plan. We urge you to obtain and carefully examine this important document.
PRE-EXISTING MEDICAL CONDITION EXCLUSION
(APPLICABLE TO ALL COVERAGES)
Certain exclusions and limitations apply and are detailed in the “Travel Protection Plan”. For example, coverage does not apply to: a Sickness or condition of you, a Traveling Companion or Family Member traveling with you that existed during the 60 days prior to the effective date of the coverage
* (this exclusion is waived if you purchase coverage within 14 days of your initial deposit/payment for your Trip)
Certain exclusions and limitations apply and are detailed in the “Travel Protection Plan”. For example, coverage does not apply to: a Sickness or condition of you, a Traveling Companion or Family Member traveling with you that existed during the 60 days prior to the effective date of the coverage
* (this exclusion is waived if you purchase coverage within 14 days of your initial deposit/payment for your Trip)
