Travel With Complete Peace of Mind

1. Agreement to Terms

By accessing and using Merit Travel Plans services, you agree to be bound by these Terms of Service and all applicable laws and regulations.

2. Insurance Coverage

Coverage details, limits, and exclusions are specified in your policy documents. Please review all policy materials carefully before purchase.

3. Premium Payments

Premiums must be paid in full before coverage begins. All sales are final unless cancelled within the free look period.

4. Claims Process

Claims must be reported promptly and include all required documentation. False or fraudulent claims will result in policy cancellation.

5. Limitation of Liability

Our liability is limited to the coverage amounts specified in your policy. We are not liable for consequential or indirect damages.

6. Governing Law

These terms are governed by the laws of the jurisdiction where the policy was issued.

Last updated: January 2024

Information We Collect

We collect personal information necessary to provide insurance services, including contact details, travel information, and payment data.

How We Use Your Information

• Process insurance applications and claims
• Provide customer support and emergency assistance
• Send policy updates and important communications
• Improve our services and website functionality

Information Sharing

We do not sell personal information. We may share data with service providers, reinsurers, and as required by law.

Data Security

We use industry-standard security measures to protect your personal information, including encryption and secure servers.

Your Rights

You have the right to access, correct, or delete your personal information. Contact us to exercise these rights.

Contact Information

For privacy concerns, contact our Data Protection Officer at [email protected]

Last updated: January 2024

What Are Cookies

Cookies are small text files stored on your device when you visit our website. They help us provide a better user experience.

Types of Cookies We Use

Essential Cookies

Required for website functionality, including security and form submissions.

Analytics Cookies

Help us understand how visitors use our website to improve performance and content.

Marketing Cookies

Used to deliver relevant advertisements and track campaign effectiveness.

Managing Cookies

You can control cookies through your browser settings. Disabling certain cookies may affect website functionality.

Third-Party Cookies

We may use third-party services that set their own cookies, subject to their privacy policies.

Last updated: January 2024

Your Rights Under GDPR

If you are a resident of the European Union, you have the following rights regarding your personal data:

• Right to Access: Request copies of your personal data
• Right to Rectification: Correct inaccurate personal data
• Right to Erasure: Request deletion of your personal data
• Right to Restrict Processing: Limit how we use your data
• Right to Data Portability: Transfer your data to another service
• Right to Object: Object to processing of your personal data

Legal Basis for Processing

We process personal data based on:

• Contract performance (providing insurance services)
• Legal obligations (regulatory compliance)
• Legitimate interests (fraud prevention, service improvement)
• Consent (marketing communications)

Data Retention

We retain personal data only as long as necessary for the purposes outlined in our Privacy Policy or as required by law.

Contact Our DPO

To exercise your rights or for GDPR-related questions, contact our Data Protection Officer at [email protected]

How to File a Claim

Filing a claim with Merit Travel Plans is quick and easy. Follow these steps:

1. Report Immediately: Contact us within 24 hours of the incident
2. Gather Documentation: Collect receipts, medical reports, and incident reports
3. Submit Online: Use our mobile app or online portal
4. Track Progress: Monitor your claim status in real-time

Required Documents

• Completed claim form
• Original receipts and invoices
• Medical reports (for medical claims)
• Police reports (for theft/loss claims)
• Travel documents and itinerary

Emergency Claims

For medical emergencies, call our 24/7 hotline: 1-800-EMERGENCY

Processing Time

Most claims are processed within 48 hours of receiving complete documentation.

Contact Methods

Response Times

• Emergency calls: Immediate
• Live chat: Under 2 minutes
• Email: Within 4 hours
• Phone: Under 30 seconds average wait

Our Mission

To provide comprehensive, affordable travel insurance that gives travelers complete peace of mind, allowing them to explore the world with confidence.

Our Story

Founded in 2015 by a team of travel enthusiasts and insurance professionals, Merit Travel Plans was born from the frustration of complex, overpriced travel insurance options. We set out to create a better way.

Why Choose Us

• Experience: Over 9 years protecting travelers worldwide
• Coverage: Comprehensive protection in 190+ countries
• Service: Award-winning customer support
• Technology: Industry-leading mobile app and online tools
• Trust: A+ rating with Better Business Bureau

Our Commitment

We're committed to transparency, fair pricing, and exceptional service. Our goal is to be your trusted travel protection partner for life.

Awards & Recognition

• Best Travel Insurance Provider 2023 - Travel Weekly
• Customer Service Excellence Award 2023
• Top-Rated Mobile App - App Store & Google Play
• A+ Rating - Better Business Bureau