Norwegian Cruises

Description of Coverage

Policy No. 1619-9500222

Part E: Platinum Travel Protection Plan

Additional Benefits for Passengers who upgrade to Platinum Travel

The benefits provided in this plan are subject to certain restrictions and exclusions, including the Pre-Existing Condition exclusion (see Page 6). Please read this brochure in its entirety for a complete description of all coverage terms and conditions. Note: Words beginning with capital letters are defined within this text.

Part A: Travel Arrangement Protection

Trip Cancellation/Trip Interruption

In the event You are prevented from taking Your NCL Vacation because: (a) You, a Traveling Companion, or an Immediate Family member suffers an Injury, Sickness, or death; or (b) You or Your Traveling Companion: (i) is hijacked, required to serve on a jury, or subpoenaed; (ii) has a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; or (iii) is directly involved in a documented traffic accident while en route to departure; the Insurer will pay benefits up to Your total NCL Vacation cost for:

(a) Trip Cancellation

Non-refundable cancellation charges imposed by NCL and/or airfare cancellation charges for flights joining or departing Your Sea/Land Arrangements, provided such flights were booked through NCL; or the additional costs You may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if a person booked to share accommodations with You cancels his/her NCL Vacation for a covered reason and You do not cancel.

NOTE: As respects air cancellation penalties, You will be covered only for Air Arrangements booked through NCL and flights connecting to such Air Arrangements booked through NCL. The Insurer will not pay benefits for cancellation charges imposed on any other air arrangements You may book on Your own.

(b) Trip Interruption

Unused, non-refundable sea or land expenses prepaid to NCL and/or the airfare paid, less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Sea/ Land Arrangements (limited to the cost of one-way economy airfare by scheduled carrier, from the point of origin shown on the original travel ticket).

The Insurer will also pay benefits, up to $100 per day, for reasonable additional accommodation and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your NCL Vacation. In no event shall the amount reimbursed exceed the amount You prepaid for Your NCL Vacation.

Special Conditions: You must advise Your travel agent, NCL, and BerkelyCare as soon as possible in the event of a claim. The Insurer will not pay benefits for any additional charges incurred that would not have been charged had You notified these parties as soon as reasonably possible.

PLEASE NOTE: Benefits will not be paid for expenses not refunded in the event of the airline's or NCL's insolvency.

Important: You, Your Traveling Companion and Your Immediate Family member booked to travel with You must be medically capable of travel on the day You purchase this coverage. The covered reason for cancellation or interruption of Your NCL Vacation must first occur after Your effective date of Trip Cancellation coverage. The above benefits are subject to the Pre-Existing Condition exclusion detailed on Page 6 and other exclusions listed on Page 13.

SPECIAL ENHANCED TRIP CANCELLATION PROTECTION

Provided by NCL
In the event You choose to cancel for a non-covered reason at any time up until departure and You have purchased our Travel Protection Plan, You will receive from NCL a cruise credit equal to 75% of the penalty amount imposed by NCL for Your use toward a future cruise. If You purchased our Platinum Travel Protection Plan, You will receive a cruise credit equal to 90% of the penalty amount imposed by NCL for use toward a future cruise. This unique program enhancement is offered by NCL as a special service to our valued passengers. Certain restrictions on the use of these cruise credits may apply. To be eligible for credits, notification of cancellation must be given to NCLprior to the ship's departure.

Trip Delay: The Insurer will pay benefits for Covered Expenses, up to $500, if You are delayed en route to or from Your NCL Vacation due to inclement weather, strike or other job action, or equipment failure of a Common Carrier; a traffic accident en route to a departure in which You or Your Traveling Companion is not directly involved; lost or stolen passports, travel documents, or money; hijacking; natural disaster; civil commotion or riot.

Covered Expenses include any prepaid, unused, non-refundable Sea/Land Arrangements, any reasonable additional expenses for meals and lodging, and the cost of a one-way economy airfare ticket to catch up to the Sea/Land Arrangements or return to the place of origin shown on the travel documents.

PRE-EXISTING CONDITIONS

THE INSURER WILL NOT PAY UNDER COVERAGES IN PART A FOR ANY CLAIMS ARISING FROM ANY INJURY, SICKNESS, OR OTHER CONDITION AFFECTING YOU, A TRAVELING COMPANION, OR AN IMMEDIATE FAMILY MEMBER BOOKED TO TRAVEL WITH YOU WHICH, WITHIN THE 60-DAY PERIOD BEFORE YOUR TRIP CANCELLATION COVERAGE BEGAN UNDER THIS INSURANCE PLAN: (A) FIRST MANIFESTED ITSELF, WORSENED, BECAME ACUTE, OR HAD SYMPTOMS WHICH WOULD PROMPT ONE TO SEEK DIAGNOSIS, CARE, OR TREATMENT; (B) REQUIRED TAKING PRESCRIBED DRUGS OR MEDICINE UNLESS THE CONDITION FOR WHICH THE PRESCRIBED DRUG OR MEDICINE WAS TAKEN REMAINED CONTROLLED WITHOUT ANY CHANGE IN THE REQUIRED PRESCRIPTION; OR (C) REQUIRED TREATMENT OR TREATMENT WAS RECOMMENDED BY A PHYSICIAN.

If you have any questions concerning this exclusion, please contact the plan administrator, BerkelyCare, at 1-(800) 722-5672 for further clarification.

Part B: Medical Protection

Emergency Evacuation

The Insurer will pay benefits for Covered Expenses, if an Injury or Sickness commencing during the course of the NCL Vacation results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of Your Injury or Sickness warrants an Emergency Evacuation. Emergency 7 Evacuations must be verified, approved, and arranged in advance by AIG Assist.

Emergency Evacuation means:

a) Your medical condition warrants immediate Transportation from the place where You are injured or sick to the nearest hospital where appropriate medical treatment can be obtained; and/or b) after being treated at a local hospital, Your medical condition warrants Transportation to Your origination point to obtain further medical treatment or to recover.

Covered Expenses are customary and reasonable expenses for Transportation, medical services, and medical supplies necessarily incurred in connection with Your Emergency Evacuation. Expenses for medical services and supplies must be recommended by the attending Physician. All Transportation arrangements made for Your evacuation must be by the most direct and economical route possible. Expenses for Special Transportation must be:

a) recommended by the attending Physician;

b) required by the standard regulations of the conveyance transporting You; and

c) verified, approved, and arranged in advance by AIG Assist.

Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Special Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the NCL Vacation.

In no event will all benefits paid under Emergency Evacuation exceed $25,000 (or $50,000 if You purchased our Platinum Travel Protection Plan).

Repatriation of Remains

The Insurer will pay the reasonable Covered Expenses incurred to return Your body to Your point of origin if You die during the NCL Vacation. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation.

NOTE: In no event will all benefits paid under Repatriation of Remains exceed $5,000 (or up to $10,000 if You purchased our Platinum Travel Protection Plan).

Accident and Sickness Medical Expense

The Insurer will pay benefits up to $10,000 (or up to $20,000 if You purchased our Platinum Travel Protection Plan) if You incur necessary Covered Medical Expenses as a result of an Injury, or up to $10,000 (or up to $20,000 if You purchased Platinum Travel Protection Plan) if You incur necessary Covered Medical Expenses as a result of Sickness. The accident causing such Injury must occur while You are covered under the policy, and the Sickness must first manifest itself during Your NCL Vacation. You must receive initial treatment within ninety (90) days of the accident that caused the Injury or the onset of the Sickness. All services, supplies, or treatment must be received within 52 weeks of the date of the accident or the onset of the Sickness.

Covered Medical Expenses are necessary services and supplies that are recommended by the attending Physician. They include the services of a legally qualified physician, surgeon, graduate nurse, dentist, or osteopath; charges for hospital confinement and use of operating rooms; charges for anesthetics (including administration); x-ray examinations or treatments and laboratory tests; ambulance service; drugs, medicines, and therapeutic services and supplies. The Insurer will not pay benefits in excess of the reasonable and customary charges commonly used by providers of medical care in the locality in which the care is furnished.

EXCESS COVERAGE PROVISION

THE INSURANCE PROVIDED UNDER PARTS A AND B SHALL BE IN EXCESS OF ALL OTHER VALID AND COLLECTIBLE INSURANCE OR INDEMNITY AND SHALL APPLY ONLY WHEN SUCH OTHER BENEFITS ARE EXHAUSTED.

Baggage Protection Plan
Baggage/Personal Effects

The Insurer will reimburse You, up to $1,500 (or up to $3,000 if You purchased Platinum Travel Protection Plan), for loss, theft, or damage to baggage and personal effects. The Insurer will pay the lesser of the following: original cash value of the item less depreciation as determined by the Insurer, or cost of repair or replacement. The maximum benefit per article is $250. There will be a combined maximum limit of $400 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold, or platinum; furs, articles trimmed with or made mostly of fur; and cameras and their related equipment.

Baggage Delay

You will be reimbursed for expenses of necessary personal effects, up to $750, if Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time You arrived at the destination stated on Your ticket. You must be a ticketed passenger on a Common Carrier.

Important: Coverage under Part C is secondary to any coverage provided by a Common Carrier and/or insurance specifically insuring the lost, stolen, or damaged item(s).

Part D: Worldwide Emergency Assistance (AIG Assist)

AIG Assist provides a 24-hour emergency telephone assistance service for Your benefit t so that, in the event of an emergency during the term of this coverage, English-speaking help and advice may be furnished.

Pre-Trip Health, Safety, and Weather Information:

AIG Assist can provide updated information on passport and visa requirements, vaccination information, travel advisories, or even expected weather at Your destination.

Travel Changes:

AIG Assist can effect changes to Your itinerary should delays or cancellations affect Your fl flights or hotel reservations.

Lost Luggage Assistance:

AIG Assist can provide assistance in coordinating delivery or re-routing of misplaced luggage when checked with a Common Carrier.

Emergency Cash Transfer Assistance:

If You need emergency cash during Your NCL Vacation, AIG Assist can help arrange a transfer through Your credit cards, family, friends, employer, or similar source.

Medical Consultation and Monitoring:

Should You need local medical care during Your NCL Vacation, AIG Assist can assist in contacting Your personal Physician or family, if necessary, to provide information on the care You are receiving.

Emergency Legal Assistance:

During the course of Your NCL Vacation, You may visit many foreign countries. Should any problems arise requiring legal assistance, AIG Assist can help You find English-speaking local counsel.

Emergency Medical and Dental Assistance:

Unexpected medical and dental emergencies can happen anywhere, anytime. You may be 11 in unfamiliar surroundings when You suddenly need medical or dental care. AIG Assist can help You locate an English-speaking Physician or dentist or the nearest qualified medical facility, and can also assist in arranging for special emergency medical transportation, such as an air ambulance.

Lost Travel Documents Assistance:

AIG Assist's multilingual staff can provide assistance in handling unexpected complications such as lost passports, tickets, luggage, or other valuable travel documents or belongings.

Emergency Medical Payment Assistance:

Many foreign hospitals require immediate settlement of bills before treatment or may withhold Your passport until they receive full payment. Physicians and hospitals worldwide can contact AIG Assist to arrange, if required, immediate settlement of Covered Medical Expenses if other sources are not available.

Note that the problems of distance, information, and communications make it impossible for National Union Fire Insurance Company of Pittsburgh, PA, BerkelyCare, or AIG Assist to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, You are still responsible for obtaining, using, and paying for Your own required services of all types.