GUIDELINES ABOUT CHANGES, REFUNDS & TRANSFERS
-  Please, print this form and fax it to (954) 227-8884  
click hear for the form in PDF format   insurance-changes.pdf

A request to change an “issued” insurance policy must be signed for by the policy owner.  This is always the traveler, not the travel agent.  An authorization form has been designed and this will appear on the web site in “Broker Tools” in the next few days.  In the meantime, the attached form can be faxed to your customers/travel agents when they make such a request.

Below are guidelines whereby the form requires the policy owner’s signature:

·        A refund is requested

·        The original policy is to be transferred to a future date.

·        Changes to add or delete travelers to the original policy

·        Changes in the trip cost (upgrades, downgrades).

We do not need the form signed when:

·        The travel agent notifies you of an enrollment error within 5 days of the original enrollment.

·        Corrections to spelling, address or travel dates as a result of an entry error. (An example of a travel date error would be when the agent incorrectly entered the travel date as 9/24/2001 when it should have been 9/24/2002.)

All authorization forms obtained, should be kept in an alphabetical file by the Policy Owner’s last name. 

These changes go into effect on 9/18/2001 and are not retroactive.

AUTHORIZATION TO CHANGE/REFUND OR TRANSFER TRAVEL INSURANCE POLICY 
click hear for the form in PDF format   insurance-changes.pdf

NOTE: SINCE TRAVEL INSURANCE IS A LEGAL CONTRACT BETWEEN THE INSURANCE COMPANY AND THE POLICY OWNER, ALL CHANGES TO A POLICY OR A REQUEST FOR A REFUND OR CANCELLATION MUST CONTAIN THE SIGNATURE OF THE POLICY OWNER AND THE DATE AND REASON FOR THE REQUEST.  NO CHANGES, REFUNDS OR CANCELLATIONS WILL BE GRANTED WITHOUT THIS WRITTEN REQUEST.

REFUND POLICY:  A POLICY OWNER HAS TEN (10) DAYS FROM THE DATE OF RECEIPT OF THE DESCRIPTION OF SERVICES AND BENEFITS BOOKLET TO REQUEST A FULL REFUND.  NO REFUNDS WILL BE GRANTED FOR ANY SINGLE TRIP POLICY IF THERE HAS BEEN A CLAIM FILED, IF THE POLICY OWNER IS “IN PENALTY” WITH THE TRAVEL SUPPLIER OR IF THE ORIGINAL DEPARTURE DATE HAS OCCURRED.

IF CANCELLATION IS DESIRED, WE WILL BE HAPPY TO TRANSFER YOUR INSURANCE COVERAGE TO A NEW BOOKING PROVIDED IT IS REBOOKED WITH YOUR TRAVEL AGENT WITHIN THIRTY (30) DAYS OF THE ORIGINAL CANCELLATION REQUEST DATE. YOU WILL BE RESPONSIBLE FOR ANY ADDITIONAL PREMIUM IF THE TRIP COSTS MORE OR WE WILL REFUND YOU THE DIFFERENCE IN PREMIUM IF THE TRIP COST IS LOWER THAN THE ORIGINAL AMOUNT. WE CANNOT TRANSFER OR REFUND IF THE ORIGINAL TRAVEL DEPARTURE DATE HAS ALREADY OCCURRED.  THE POLICY OWNER IS THE PERSON WHO PAID THE PREMIUM.

Policy Owner’s Full Name:

Street Address: ________________________________________________________

City, State, Zip Code: ________________________________________________________

Invoice Number: ________________________________________________________

Travel Agency Name: _______________________________________________________

Date of Change/Refund/Cancellation Request: _____________________

Reason for Change/Refund/Cancellation Request: __________________

_____________________________________________________________

______________________________________________________________

New Travel Dates:

 Depart:_______________

 Return__________________

 New Cost of Trip: $_________________

Fax or Mail Changes to:
GMCG, Inc., P.O. Box 9576, Coral Springs, FL  33075-9576    Fax:  (954) 227-8884