GolfSafe Secure Plans FAQs

This page answers frequently asked questions about GolfSafe Secure and GolfSafe Secure Plus plans.

Why should I purchase the GolfSafe Secure Plan?

You've saved, you've waited, and now you're all set to go on the Golf Trip of your life. Preparing for your trip includes protecting yourself from unfortunate circumstances that threaten to interfere with even your best-laid plans. By purchasing a GolfSafe Secure Plan, you can get reimbursement for your financial losses due to cancellation penalties, unforeseen medical costs, baggage loss/delays, and lost golf rounds as well as access to a wide range of traveler's assistance services before and during your trip.

A GolfSafe Secure Plan could protect your travel investment when:

  • You become ill or injured and need to cancel or interrupt your golf trip
  • You need to cancel your trip because someone in your immediate family (as defined in the plan) has an illness or injury, even if they aren't scheduled to travel with you
  • Your golf clubs are lost by the airline and you need to rent a set while on your trip
  • Your golf rounds are cancelled due to weather
  • You get sick or injured on your golf trip and need to consult a doctor while traveling
  • A family member back home passes away and you must return from your trip early

If you don’t get sick, injured or lose something, the plan also rewards you for a great golf game. If you get a Hole-in-One, this plan will cover the “celebratory beverages” from the clubhouse at the Golf Course! (some restrictions apply).

What does it cover?

The GolfSafe Secure and GolfSafe Secure Plus Plans cover both pre-trip and post-departure benefits, including the following:

Trip Cancellation
If you must cancel your trip for an eligible reason, the plan provides reimbursement for your TOTAL TRIP COST. Eligible reasons include illness, injury or death to you, a traveling companion or an immediate family member. Additional reasons for cancellation include jury duty, subpoena, your destination made uninhabitable by a natural disaster or being involved in a documented traffic accident en route to departure to name a few. See the GolfSafe Secure Plans descriptions for more details and the list of covered events.

Trip Cancellation for Any Reason (CFAR) – available on GolfSafe Secure Plus Plan ONLY
If you purchase the insurance within 21 days of your Initial Deposit or Payment, and are eligible for GolfSafe Secure Plus Plan, the plan will cover if you need to cancel your trip for any reason, not otherwise covered. The Company will reimburse You for 75% of the prepaid, forfeited, non-refundable Payments or Deposits. You must cancel the trip no later than 2 days prior to departure date. Certain restrictions apply. See the GolfSafe Secure Plus Plan description for more details. (not available to residents of NH, NY, WA)

Trip Interruption
If you must interrupt your trip after it begins, for an eligible reason, the plans provide reimbursement for your prepaid unused non-refundable trip costs.

Trip Delay
If you should miss the departure of your trip due to carrier-caused delays or other eligible reasons, the plan reimburses you for additional accommodations, meals and "catch up" transportation expenses.

Itinerary Change
In the event a Cruise/Travel Supplier makes a change in your trip itinerary after Your actual departure date that prevents You from participating in an event/activity pre-paid prior to departure and scheduled on your trip itinerary, nonrefundable pre-paid event/activity expenses.

Baggage Protection and Baggage Delay Coverage
Reimbursement for covered loss, damage, or theft of baggage and/or personal effects during or while in transit to or from your trip, as well as reimbursing you for the purchase of necessary items in the event your bag is delayed en route to your trip.

Loss of Golf Rounds
If you are unable to Golf due to the inability to complete play on at least 9 holes of an 18 hole round due to weather during the round where the club management expressly cancels or puts your Golf round on delay or suspension for more than 3 hours on the day of play the Company will reimburse you (on a pro-rated basis) for the value of your pre-paid Golf tickets or greens fees for each day of the loss of Golf during your trip. (not available to residents of NH, NY, WA)

Sports Equipment Rental
Covers the reasonable cost of renting sports equipment during the trip if, while on the trip, your checked sports equipment is lost, stolen, damaged or delayed by a common carrier. (not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA)

Golf Obligation- Hole-in-One
For beverage expenses purchased from the clubhouse, if during your trip, you or a traveling companion makes a Hole-in-One on an official registered Golf Course measuring over 4,000 yards with a par rating of at least 68 for 18 holes of play, provided beverages are dispensed by an employee of the club that is affiliated with the Golf Course where the hole-in-one took place. (not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA)

Property Damage
For direct physical damage to covered real or personal property within the unit you occupy while on your trip. (not available to residents of in NH, NY)

Medical Protection, Emergency Medical Evacuation and Repatriation
Medical coverage while traveling overseas may be particularly important as Medicare and certain HMOs may not cover medical expenses incurred outside the U.S. If you become ill or are injured while on your trip, the plan may reimburse you for out-of-pocket medical expenses incurred while traveling, including physician visits, x-rays, lab tests, therapeutic services, prescriptions, and emergency medical transport to the nearest appropriate medical facility. If needed, the plan will pay and arrange for you to return to your home country for treatment.

Optional Rental Car Collision Damage Waiver
If You rent a car while on the trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within your control while in your possession. (not available to residents of NY, OR, TX)

How can I view the Full Certificate of Insurance and Definitions before purchasing a plan?

Once you provide the basic information for a Quote and hit the "Next" button you will be directed to a Plan Details page, where full Coverage Descriptions of BOTH plans ( Secure or Secure Plus) can be viewed by clicking the plan name and appropriate state.

When does coverage go into effect and will it cover me for the entire length of my adventure?

Trip Cancellation takes effect the day after the required premium is received. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. Your coverage will remain valid until 11:59 P.M. of your scheduled completion date or your return to your origination point as stated on your tickets, whichever is earlier. No coverage can be purchased after you depart on your trip.

What is the maximum trip length for coverage?

Coverage is provided for trips up to 90 days.

How far in advance can I purchase the insurance?

The earliest you can purchase is 18 months before your trip departure date.

Who is eligible to purchase the plan?

Residents of all 50 states in the USA, however some benefits are not available in all states.

Will my current home, renters, credit card, or health insurance policies cover my trip?

Due to territory restrictions, many other insurance policies you already have, may not offer any coverage while you travel. Some other policies may offer partial protection, however, due to benefit limits, co-insurance and deductibles, you may not be reimbursed for the full amount of the loss. Some people do not have any insurance coverage which would cover the cost of their vacation, if they must cancel their trip. The GolfSafe Secure Plans contain travel benefits that credit card, homeowners and renter’s insurance policies may not offer. The medical coverage included in the GolfSafe Secure Plans is absolutely vital for people whose health insurance policies (Medicare, certain HMOs, etc.) may not pay for medical expenses incurred outside of the United States or may not cover transportation charges due to medical emergencies.

What if bad weather causes my Golf Tee Time to be delayed or cancelled?

If you are unable to Golf due to the inability to complete play on at least 9 holes of an 18 hole round due to weather during the round where the club management expressly cancels or puts your Golf round on delay or suspension for more than 3 hours on the day of play the Company will reimburse you (on a pro-rated basis) for the value of your pre-paid Golf tickets or greens fees for each day of the loss of Golf during your trip.

I have a pre-existing medical condition. Can I buy the plan?

Even if you have a medical condition that you might consider pre-existing, you should still consider purchasing a GolfSafe Secure Plan, as some medical conditions would not be considered pre-existing under the purchase terms of the policy. For these plans, a pre-existing condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: exhibited symptoms which would have caused one to seek care or treatment; or 2) received a recommendation for a test, examination, or medical treatment or 3) took or received a prescription for drugs or medicine.

Item (3) of this definition does not apply to a pre-existing 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 sixty (60) day period before the Effective Date. Please see next question for the information about the Pre-Existing Condition Waiver.

Do the plans include a Pre-Existing Condition Waiver?

Yes, the Pre-Existing Conditions exclusion is waived if you (a) enroll in the plan at the time You pay the trip deposit or within 21 days of the initial trip deposit; (b) purchase this Plan for the full cost of your trip; and (c) are medically able to travel on the Effective Date. If you qualify, this means that you can cancel or interrupt your trip due to your preexisting condition or receive medical care for the condition while you are on the trip.

What Cancel for Any Reason (CFAR) benefit?

Yes, the GolfSafe Secure Plus plan provides Cancel for ANY Reason (CFAR).

If you cancel your trip for any reason not otherwise covered by this plan, you will be reimbursed for the percentage of the prepaid, forfeited, non-refundable payments or deposits you paid for your trip provided:

  1. Your additional premium payment is received within twenty-one (21) days of the date your initial deposit/payment for your trip is received; and
  2. You insure all prepaid trip costs that are subject to cancellation penalties or restrictions and also insure within twenty-one (21) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through your travel agent) added to your trip; and
  3. You must cancel your trip two (2) days or more before your scheduled departure date.

* Not available in NH, NY or WA

Who is a covered "Family Member" under the plan?

A person who is you or your traveling companion’s legal or common law spouse, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew, domestic partner, or business partner who resides in the United States, Canada or Mexico.

Who is a Traveling Companion?

A person who has coordinated travel arrangements or vacation plans with you, intends to travel with You during the trip. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.

Are there exclusions?

In order to provide this package of benefits, certain restrictions do apply. Exclusions are standard in most insurance plans. Please see plan details for a list of exclusions listed by state.

What happens if I need to cancel my trip?

Please contact your travel agent, tour operator and as soon as possible if you need to cancel, as the plan will not reimburse for any additional charges incurred due to a delay in notifying your travel agent or tour operator of your cancellation. You will need to provide proof of when you cancelled the trip and the imposed penalties for cancelling when filing a claim. Written notice of claim must be given by the claimant (either You or someone acting for You) to the Company or its designated representative within twenty (20) days after a covered Loss first begins or as soon as reasonably possible. Notice should include Your name, the Travel Supplier’s name and the Plan number.

Will the GolfSafe Secure Plans cover me if I cancel my trip when bad weather is predicted at my destination?

You or a Traveling Companion is delayed or has arrangements cancelled by a Common Carrier due to delays resulting from Inclement Weather, mechanical breakdown, or organized labor Strikes that affect public transportation, provided:
(a) the scheduled carrier connecting times must be no less than thirty (30) minutes; and (b) the scheduled time between arrival at the scheduled Trip departure city and the scheduled Trip departure is four (4) hours or longer;

What are the covered medical expenses if I become sick or injured while on my trip?

The GolfSafe Secure Plans provide coverage for a vast array of medical expenses which could be incurred as a result of a sickness or injury. The plans provide coverage for accidents, sickness medical and dental expense which include benefits for a physician, urgent care visit, surgeon, hospital, anesthetics, x-rays, laboratory tests, ambulance, prescriptions, and therapeutic services supplies.

How do I get reimbursement if my bags and/or personal items are delayed, damaged, stolen, or lost while I am traveling?

First, obtain verification from the appropriate authority to whom you reported the loss (for example airline, tour operator, hotel, police, etc.). If your bags are delayed the plan will reimburse you for purchased necessities while waiting for the bag to arrive at your destination. Be sure to save any store receipts you may have for the purchase of the necessities. If the bag is determined as lost by the carrier, and they pay you for the lost bag, you can receive additional reimbursement for the bag and items that were in the bag. Upon your return home, submit all applicable reports and receipts, along with your claim form and responses from any other responsible parties (common carrier causing the loss, homeowner’s policy, etc.).

What if my golf clubs are delayed, damaged, stolen, or lost while I am traveling?

The plan covers reimbursement for the reasonable cost of renting sports equipment during the trip if, while on the trip, your checked sports equipment is lost, stolen, damaged or delayed by a common carrier. (not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA)

Is there assistance while I'm traveling?

One of the valued benefits offered in the GolfSafe Secure Plans is the 24-Hour Worldwide Emergency Assistance Service. With On Call International you have 24-hour access to a highly trained, multilingual staff to assist you with emergencies such as cash transfers, replacement of lost documents, and medical or legal referrals. On Call will also coordinate any medically necessary emergency medical evacuations, including air ambulance transportation, hospitalizations, medical case management and monitoring.

* Please note that the items described are Non-Insurance Services and not insurance benefits.

Can I cancel my plan and get my premium refunded?

There is a 10 day "Free Look" to review the plan. If you decide to cancel the plan within 10 calendar days of purchase, and have not incurred a claim, you make a request in writing to the plan administrator and your premium will be refunded. If a request is made in writing after the 10 day “Free Look” then, there is no refund.

How do I file a claim or check claim status?

Contact our Claims Administrator at:

Claim forms can be found online here under the Claims tab and can be mailed or emailed to you upon request. For medical emergencies during your trip which require a hospital stay, evacuation or interruption, promptly call On Call International, the assistance company, with your policy number and emergency details.

How long does it take to get my claim reimbursement?

Upon receipt of completed claim forms and all necessary documentation, eligible claims can generally be processed within 15 business days. Payments are mailed unless otherwise noted on the claim form.

Who can I contact for more information?

You may contact the GolfSafe Secure Plans Administrator at: