Consumer Disclosure(s)

Important information about how we use your information and how our information may be presented.

This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.

Purchasing travel insurance is not required in order to purchase any other products or services offered by the Travel Retailer.

What A Travel Retailer May Do:

Employees of a Travel Retailer may transact Travel Insurance on our behalf and under our direction, including:

  1. Offering/disseminating information on our behalf, including brochures, buyer guides, descriptions of coverage, and price;
  2. Referring specific coverage/feature/benefit questions to us;
  3. Disseminating/processing applications for coverage, coverage selection forms, or other similar forms;
  4. Collecting premiums on our behalf;
  5. Receiving/recording information to share with us;

What A Travel Retailer May Not Do:

The Travel Retailer’s employees:

  1. are not qualified or authorized to answer technical questions about the benefits, exclusions or conditions of any of the insurance offered by the Travel Retailer; or
  2. to evaluate the adequacy of a prospective insured’s existing insurance coverage.

Definitions

Travel Insurance” means coverage for personal risks incidental to planned travel, including one or more of the following:

Interruption or cancellation of a trip or event;
Loss of baggage or personal effects;
Damage to accommodations or rental vehicles; or
Sickness, accident, disability, or death occurring during travel.

The following are excluded from the definition of Travel Insurance: Major medical plans, which provide comprehensive medical protection for travelers on trips lasting 6 months or longer (e.g. working overseas, deployed military personnel, etc.). In some States, Damage waiver contracts that are part of a rental company’s agreement. The phrase “damage waiver” or “collision damage waiver” cannot be used to describe travel insurance coverage, but the travel insurance contract may otherwise refer to “damage waiver” or “collision damage waiver” provided by a rental company.

We, Us or Our” means Trip Mate, Inc.

DISCLOSURE TO CALIFORNIA RESIDENTS: [1754(a)(7) & (8)]

  1. Purchasing travel insurance is not required in order to purchase any other product or service offered by the travel retailer.
  2. Your travel retailer may not be licensed to sell insurance, and is therefore not qualified or authorized to:
    1. Answer technical questions about the benefits, exclusions, and conditions of any of the insurance offered by the travel retailer.
    2. Evaluate the adequacy of your existing insurance coverage.

This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provide you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.

DISCLOSURE TO DELAWARE RESIDENTS: [1772(2)a.7.]

The insurance coverage may duplicate existing coverages you may have. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies, and other sources of protection.

DISCLOSURE TO MARYLAND RESIDENTS: [10-122 (d)(1)(ii)(4)]

This insurance coverage may duplicate certain provisions of insurance coverage already provided by your homeowner’s, renter’s or similar coverages or insurances, and that the purchase of travel insurance would make travel insurance primary to any other duplicate or similar coverage.

PRIVACY POLICY OF ARCH INSURANCE COMPANY (ARCH)

Insurance companies must collect a certain amount of nonpublic personal information to serve customers and administer business. This notice is provided by Arch Insurance Company (“ARCH”). ARCH values your trust and is committed to the responsible management, use and protection of your nonpublic personal information. This notice describes our policy regarding the collection and disclosure of nonpublic personal information.

What is nonpublic personal information?

Nonpublic personal information, as used in this notice, means information that identifies an individual personally and is not otherwise available to the public.

What nonpublic personal information does ARCH collect?

The types of nonpublic personal information we collect and share depend on the product or service you have with us. This information can include:

  • Credit history and financial account information;
  • Income;
  • Financial benefits;
  • Policy or claim information; and
  • Personal health information such as individual medical records or information about an illness, disability, or injury.

How does ARCH use the nonpublic personal information that it collects?

ARCH collects nonpublic personal information to support our normal business operations. We may obtain nonpublic personal information directly from you or from other parties, such as a consumer reporting agency. Personal information such as a name, address, income, payment history or credit history is gathered from sources such as applications, transactions and consumer reports.

What are the reasons ARCH can share nonpublic personal information?

  • For our everyday business purposes, including to process your transactions, underwrite polices, pay claims, develop new products, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus. This information may be shared with unaffiliated third parties, including agents, brokerage firms, insurance companies, administrators and other service providers. We may disclose personal health information with proper written authorization or as otherwise permitted or required by law.
  • For unaffiliated parties to perform services for us, such as claims investigations, appraisals, or the detection of fraud or material misrepresentations.
  • For marketing purposes to offer you additional products and services from ARCH.
  • For our affiliates’ everyday business purposes – information about your transactions and experiences.
  • As otherwise required or permitted by law.

Why can’t I limit all sharing by ARCH?

Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What does ARCH do to make sure that nonpublic personal information is secure and confidential?

ARCH uses manual and electronic security procedures to maintain the confidentiality of personal information in our possession and guard against unauthorized access. Some techniques we employ to protect information include locked files, user authentication, firewall technology, and the use of detection software.

ARCH is responsible for identifying information that must be protected, providing an adequate level of protection for that data and granting access to protected data only to individuals who must use it in the performance of their job-related duties.

Does ARCH maintain confidentiality of nonpublic personal information after a policy expires?

ARCH will continue to follow this policy regarding nonpublic personal information even when you are no longer our customer.

We reserve the right to change our privacy policy. You will receive a notice of any such change.