FREQUENTLY ASKED QUESTIONS

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What is covered?

The USTOA $1 Million Travelers Assistance Program protects consumers for up to $1 Million in the aggregate from loss of deposits and payments for tours or vacation packages in the event of a USTOA Active Member bankruptcy, insolvency or cessation of business or the material failure to complete performance of tour(s) or vacation package(s).

When can I file a claim?

A claim can be filed when a tour operator declares bankruptcy, becomes insolvent or ceases business, or 120 days following the failure of a tour operator to refund a payment or deposit after a cancellation or material failure to complete performance of a tour(s) or vacation package(s). The program covers tours or vacation packages purchased up to seven (7) days following official notification to USTOA of an Active Member’s bankruptcy, insolvency or cessation of business.

If I decide to cancel, does the $1 Million Travelers Assistance Program cover me?

No. Individual trip cancellation insurance is available, and may be obtained through your travel agent or tour operator.

What if I've already paid for a tour or vacation package in advance, and the tour operator goes bankrupt before the scheduled departure date?

You are covered within the limits of the coverage as long as your payment or deposit was made within seven (7) days following notification to USTOA of the bankruptcy, insolvency or cessation of business.

Is there an extra charge for this coverage?

No. Each time you travel with a USTOA Active Member company, your deposits and payments for tours and vacation packages are automatically protected up to the limits of the coverage at no extra charge.

How is a claim made?

Claim forms may be obtained from USTOA's office at 275 Madison Ave., Suite 2014, New York, NY 10016, or by calling the association at (212) 599-6599, or via e-mail to information@ustoa.com.

Is there a deadline for filing claims?

Yes. Claims must be filed no later than ninety (90) days after the bankruptcy, insolvency, cessation of business or failure to refund on account of cancellation or non-performance, as the case may be.

Who will reimburse me?

Reimbursements will be made through USTOA or its authorized representative.

Your Travel Agent

USTOA’s Active Member companies offer a wide array of tours and vacation packages, all sold through travel agents. An experienced, professional travel agent can help you select the tour or vacation package that’s best suited to your requirements, and that will give you the best value for your travel dollar.