required prescription throughout 180-day period before coverage is effective under this policy.
If my companion cancels, do I have to cancel?
If your companion cancels for a covered reason, you may be able to cancel as well.
How long does the claim process take?
A claim is resolved within 4 to 6 weeks on average. TLC is committed to providing you with prompt and fair claims service. Every claim is thoroughly investigated and adjudicated. The total timeframe for claims resolution can vary; however, your prompt response with all necessary documents helps to expedite the process.
In rare instances, such as natural disasters, the sheer volume of claims may create a temporary delay in our processing and adjudicating of claims. In those instances, TLC works diligently to catch up and return to our normal, fast turnaround times.
Why do I need to provide refund information from the suppliers?
TLC plans only cover published lodging payments. To determine the payable amount, we need to verify if any refunds were given. Many times, the travel supplier will not release that information to us, citing privacy restrictions.
Can a paid invoice, receipt or credit card charge slip from my agent be considered proof of payment?
No, we need actual copies of cancelled checks or credit card statements confirming the amount paid for the trip.
What are penalties?
Penalties are fees imposed by the travel supplier when a trip is cancelled.
Why does TLC need refund information when I am in 100% penalty?
Many times port charges, taxes and other charges are refunded to you when you cancel even if you are in 100% penalty.
Why does TLC need medical records when my doctor completed the physician statement?
Certain medical conditions can cause other disorders that may impact a traveler before or during a trip. Medical records are ordered to help the claims examiner better determine whether or not coverage can be extended. When medical records are ordered, they are handled in a professional manner in accordance to federal privacy regulations. Medical information received by CSA is never shared with any third party.
Why do I have to provide my claim number to the Customer Service Representative?
For faster service and to better prepare your claims examiner for your call, our Customer Service Representatives are trained to obtain your claim number before transferring your call.
How do I provide proof of payment when I paid in cash?
You can provide proof of the cash withdrawal and a signed and dated receipt from the recipient.
