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How do I enroll in the plan?
There are three enrollment options: a) complete the application and submit it online with credit card payment; b) fill in the application online, then print it and either mail with check or fax with credit card authorization; or c) print the application form, complete it by hand, and mail with check or fax with credit card authorization.
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How long does it take to process an application?
Assuming that your application is complete and accompanied by the total premium due, approval and processing takes approximately 1-2 business days. This process could take longer if additional information is needed.
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What documents do I get after I enroll?
Proof of insurance documents including a Declarations page, Insurance Contract, and claim form with instructions is mailed to the mailing address you provided on your Application.
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Can I renew my coverage?
Yes, as long as you continue to meet the eligibility requirements.
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When are renewal notices sent?
Renewal notices are sent by regular U.S. postal service (regular air mail to non-U.S. addresses) to your mailing address approximately 45 days prior to the expiration date of your coverage. An email is sent to you to advise that the renewal notice was mailed.
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How do I file a claim?
Notify the Administrator with brief description of claim by email initially. We will send a claim form with instructions for your completion.
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Can you bill me?
No, premium is due with application or subsequent renewal.
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Who can apply for the Gateway Plus plan?
If you are on an international work assignment at a destination outside your home country, you are eligible to apply.
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What does the Gateway Plus plan cover?
This plan provides all-risk replacement coverage for physical loss or damage of personal property, as well as protection for payments you are legally obligated to pay for bodily injury or property damage to others. Other options are available to expand coverage under the plan. To access a description of the coverage, limitations and exclusions, refer to information contained in the Brochure. Complete details of the plan's provisions are contained in the Insurance Contract, which is mailed to you after enrollment.
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How do I calculate my premium?
You can use the rate calculator before actually applying; or the premium will automatically calculate as you apply online, based on your entries.
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Why should property be scheduled separately?
Only items of distinct, special value should be considered for separate schedule. Generally, most items will be covered under "unscheduled" personal property limits at full replacement value, such as your household goods, clothing, personal computers, other electronics, and golf clubs. However, if these items are distinct in their value, such as custom golf clubs or sets, or computers and software that are not generally available in the marketplace for replacement, then separate schedule should be considered. Most importantly, there are "Special Limits of Liability" under Unscheduled Personal Property for jewelry and watches. Because there is an aggregate limit for jewelry and watches, if you have items of distinct value in that category, insuring them under separate schedule is advised. No deductible is applied to scheduled property.
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My country of assignment may change during the annual term of coverage. What happens?
Your coverage will follow you. You send written notification to us which indicates change of location. The new location must also be eligible under the policy. We will advise you if your change in country results in an area rate change. If so, a pro-rated return of premium, or additional premium might be required.
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Are there any items that cannot be scheduled?
Yes, there are certain items that cannot be scheduled. Some examples include: audio/video equipment, appliances, loose gems, wine collections, baseball cards, and comic books. Please call us if you have a question about whether a particular item is eligible to be scheduled.
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What happens if I need to cancel my coverage early?
A pro-rated refund will be issued for the unused premium.
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Does my insurance cancel automatically on the date my assignment ends even though I may not be traveling home immediately?
Coverage can continue until the normal expiration date as long as you notify us of the change in location and such location is eligible under the policy.
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What happens when I return to my home country but have to reside in temporary quarters because I cannot get back into my permanent residence?
Coverage can continue until the normal expiration date as long as you notify us of the change in location and such location is eligible under the policy.
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Who can apply for the Gateway Plus Student plan?
If you are an international student, scholar, or study abroad program participant at a destination outside your home country, you are eligible to apply.
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What does the Gateway Plus Student plan cover?
This plan provides named perils replacement coverage for physical loss or damage of personal property, as well as protection for payments you are legally obligated to pay for bodily injury or property damage to others. To access a description of the coverage, limitations and exclusions, refer to information contained in the Brochure. Complete details of the plan's provisions are contained in the Insuring Agreement, which is mailed to you after enrollment.
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The location of my international education program may change during the annual term of coverage. What happens?
Your coverage will follow you, provided your education program is outside your Home Country/Country of Residence. You send written notification to us which indicates change of location, addresses, etc. to ensure your record of insurance is always correct.
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What happens if I need to cancel my coverage early?
A pro-rated refund will be issued for the unused premium only if the policy has been in effect for less than 60 days. If the policy has been in effect for 60 days or longer, the premium is fully earned.
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