Cruise Insurance

CruiseCare Vacation Protection
We want your cruise with Azamara to be nothing less than outstanding. So to make sure you have nothing to think about except having a good time, Azamara offers the CruiseCare package of benefits:

With the CruiseCare Cancellation Penalty Waiver, if your plans go awry and you cancel - or interrupt - your cruise vacation (for specified reasons), Azamara Cruises will waive the non-refundable cancellation provision of your cruise ticket contract and pay you IN CASH the value of the unused portion of your prepaid cruise vacation.

In addition, should you or your traveling companion need to cancel for "any other reason", you may be eligible for CRUISE CREDITS - up to 75% of the non-refundable, prepaid cruise vacation cost.

Guests must cancel their cruise prior to departure and must request a refund through the program administrator to be eligible for cash reimbursement or future cruise credits, as applicable. Credits expire one year after the issue date, are nontransferable, and are not applicable to holiday or inaugural sailings. Credits have no cash value and, if applied to a booking of lesser value, will not result a cash refund of any difference. Credits may not be used for deposits, only final payment, and can be used only on the cruise brand originally booked. Only original copies of credit letters will be accepted; copies or altered letters may not be used.

Brought to you by Azamara Cruises.

* For NY residents, the CruiseCare Cancellation Penalty Waiver program is underwritten by Stonebridge Casualty Insurance Company.

Pricing*
Prices subject to change. For cruise costs greater than $5,000 per person, prices begin at $369 per person.

Note: The plan cost is fully refundable if you are canceling outside of Azamara Cruise's published penalty period. Prices are subject to change without notice. The plan cost may be paid at any time from deposit up to and including final payment; however, the CruiseCare Cancellation and Interruption Penalty Waiver takes effect only upon payment of the plan cost in addition to any required cruise deposit. Payment of your cruise fare deposit amount without the plan cost will not activate this program.

Cruise Cost	CruiseCare
$0-$500	$29
$501-$1,000	$59
$1,001-$1,500	$89
$1,501-$2,000	$119
$2,001-$2,500	$159
$2,501-$3,000	$189
$3,001-$3,500	$229
$3,501-$4,000	$259
$4,001-$4,500	$299
$4,501-$5,000	$329

Note: The plan cost is fully refundable if you are canceling outside of Azamara Cruise's published penalty period. Prices are subject to change without notice. The plan cost may be paid at any time from deposit up to and including final payment; however, the CruiseCare Cancellation and Interruption Penalty Waiver takes effect only upon payment of the plan cost in addition to any required cruise deposit. Payment of your cruise fare deposit amount without the plan cost will not activate this program.

CruiseCare Travel Insurance provides cancellation and interruption protection for independently booked air, as well as coverages to protect you during your covered Trip, as follows:

Trip Cancellation for Independently Booked Air
Up to Total Original Airfare Cost.

Trip Interruption for Independently Booked Air
Up to 150% of Total Original Airfare Cost.

Trip Delay up to $500
If you miss the departure of your trip due to carrier-caused delays or other covered reasons, the plan reimburses you for additional accommodations, meals and "catch-up" transportation expenses.

Baggage Protection
If your baggage or personal property is lost, stolen, or damaged, the plan will cover up to $1,500. If your bags are delayed or misdirected for more than 24 hours, the plan will reimburse you up to $500 for the purchase of necessary personal items.

Medical Expenses up to $10,000
Should you become injured or sick during your vacation, the plan will reimburse you for necessary medical expenses for up to one year from the date of your accident or illness. This coverage is especially important, as Medicare and many private vacation protection policies generally do not cover you outside of the U.S. or Canada, and many HMOs do not cover you outside their provider area.

Emergency Evacuation up to $25,000
In the event that a covered illness or injury requires air or ground transportation to a specialized facility or to return home, the plan provides for covered medical services and supplies (coordinated by Azamara's 24-hour Assistance provider, to help ensure your safe transport).

Underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio under policy number(s): MZ0911036H0000A or MZ0911008H0000A.

24-Hour Worldwide Emergency Assistance
CruiseCare Worldwide Emergency Assistance provides 24-hour assistance services, including; pre-trip health, safety and weather information; assistance with travel changes; lost luggage assistance; emergency cash transfer assistance; medical consultation and monitoring; emergency legal assistance; emergency medical and dental assistance; lost travel document assistance; and emergency medical payment assistance.

Provided by On Call International.

While this is not a complete description - a full plan description detailing the terms, conditions and exclusions will be sent to you - Azamara has highlighted just a few of the plan benefits. If you have any questions, or would like to request a copy of the plan description, please call your travel agent. The CruiseCare Vacation Protection is provided in addition to other applicable indemnity or insurance programs, where permitted by law and shall apply only after benefits have been paid.

This program was designed for Royal Caribbean International guests by BerkelyCareSM. IN CALIFORNIA: BerkelyCareSM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465. IN ALL OTHER STATES: BerkelyCareSM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NH and NY.

Carrier and Form Number Information: The CruiseCare Vacation Protection is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, CT, HI, NE, NH, PA, TN, and TX ,Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OR, OH, VT, WA, and WY, Policy Form #'s TAHC5100IPS and TAHC5200IPS.

If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA, or WY), your plan is provided on an individual form. You can request a copy of your policy.

Azamara Cruises CruiseCare
We want this to be the best vacation of your life. So to make sure you have nothing to think about except having a good time, Azamara offers the CruiseCare package of benefits to Azamara's valued guests. We encourage you to review these programs and ask your travel agent for details, or feel free to call Azamara or the Program Administrator with questions.

The CruiseCare Cancellation Penalty Waiver Program waives the nonrefundable cancellation provision of your cruise ticket contract and pays you the value of the unused portion of your prepaid cruise vacation in the event that you or your traveling companion need to cancel your cruise vacation (for specified reasons). In addition, should you or your traveling companion need to cancel your cruise for "any other reason," you may be eligible for Cruise Credits. Brought to you by Azamara Cruises.*

The CruiseCare Travel Insurance Program provides coverage for independently booked air, accident and sickness medical benefits, evacuation, baggage protection and much more. Underwritten by Stonebridge Casualty Insurance Company.

The CruiseCare Worldwide Emergency Assistance Program provides 24-hour assistance services, including: pre-trip health, safety and weather information; assistance with travel changes; lost luggage assistance; emergency cash transfer assistance; medical consultation and monitoring; emergency legal assistance; emergency medical and dental assistance; lost travel document assistance; and emergency medical payment assistance. Provided by On Call International. For peace of mind before - and during - your trip, consider CruiseCare.

Important: CruiseCare benefits are valid only if the appropriate program costs have been received by Azamara Cruises. Please keep these documents for your records. *For NY residents, the CruiseCare Cancellation Penalty Waiver Program is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 under Policy/Certificate Form series TAHC5000.

CruiseCare Cancellation Penalty Waiver Program -

Cruise Ticket Contract Addendum PROVIDED BY AZAMARA CRUISES*
The CruiseCare Cancellation Penalty Waiver Program offers Azamara's valued guests the opportunity to receive a refund from Azamara Cruises (beyond the standard refund policy published in Azamara's cruise brochure) for those otherwise nonrefundable cruise vacation - related costs prepaid to Azamara Cruises, should you cancel or interrupt your cruise vacation for the reasons stated below. CruiseCare Cruise Vacation Cancellation & Interruption Penalty Waiver: Cash Refund Up to Total Cruise Vacation Cost This Cancellation Penalty Waiver is an addendum to your cruise ticket contract. Through the CruiseCare program, Azamara Cruises will waive their standard cancellation provision and refund to you IN CASH the otherwise nonrefundable value of the unused portion of your prepaid cruise vacation, should you or your traveling companion need to cancel or interrupt your cruise vacation for any one of the following reasons (subject to the restrictions noted below*):

1. sickness, injury, or death of yourself, a traveling companion or members of either of your immediate families, which is diagnosed and treated by a physician at the time your cruise vacation is terminated;
2. involvement in a traffic accident, en route to departure, that causes you to miss your cruise;
3. your home is made uninhabitable by a natural disaster such as fire, flood, earthquake, hurricane or volcano; Azamara Cruises CruiseCare
4. you are called into active duty by the military to provide aid or relief as a result of a natural disaster;
5. subpoena or being called to serve for jury duty;

CruiseCare Cancellation Penalty Waiver refunds are also provided if you are charged a change in occupancy/single supplement charge as a result of your traveling companion's cancellation due to one of the reasons cited above. Please advise your travel agent, Azamara Cruises or the Program Administrator as soon as possible in the event of cancellation. Refunds will not be provided for additional charges incurred that would not have been charged had you notified these parties as soon as reasonably possible.

*Please note the following restrictions:
Azamara Cruises will not waive their cancellation penalty and provide a cash refund, should you cancel or interrupt your cruise vacation for any of the following reasons:

• a condition that first presents, worsens, becomes acute or has symptoms causing a person to seek diagnosis, care or treatment, or prompts a change in medication, during the 60 days before you purchased this waiver; mental, nervous or psychological disorders, or pregnancy, unless hospitalized; elective abortion; drugs or intoxicants, unless prescribed by a physician;
• business, contractual or educational obligations of you, an immediate family member, or traveling companion;
• declared or undeclared war, or any act of war; service in the armed forces of any country;
• any unlawful acts, committed by you or a traveling companion;
• other condition, event or circumstance occurring prior to your purchase of CruiseCare.

Where to Report Cruise Vacation Cancellations and/or Interruptions
Contact your travel agent, Azamara Cruises or the Program Administrator immediately to notify them of your cancellation (or interruption) and to avoid any non-covered expenses due to late reporting. The Administrator will then forward the appropriate form(s) that must be completed by you and the attending physician (if applicable).
*For NY residents, the CruiseCare Cancellation Penalty Waiver Program is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 under Policy/Certificate Form series TAHC5000.

Special CruiseCare Cruise Vacation Cancellation Enhancement
CruiseCare "Any Reason" Cruise Credits:
Up to 75% of the Nonrefundable Prepaid Cruise Vacation Cost

PROVIDED EXCLUSIVELY BY AZAMARA CRUISES

In the event that you choose to cancel for a reason not authorized (see page 46) or for a reason that is otherwise restricted, at any time up until departure, and you have purchased the CruiseCare, Azamara Cruises will provide you a cruise credit equal to 75% of the nonrefundable value of your Cruise Vacation prepaid to Azamara Cruises, for your use toward a future cruise. This additional enhancement is offered exclusively by Azamara Cruises as a special service to guests that purchase this cruise ticket Cancellation Penalty Waiver Addendum. Certain restrictions on the use of these cruise credits (such as blackout periods) may apply. Credits are valid for one year from issue date, are not transferable, and have no cash value. To be eligible for credits, notification of cancellation must be given to Azamara Cruises prior to the ship's departure. Once you've cancelled with Azamara Cruises, please contact the CruiseCare Help Line at 1-877-538-3816 regarding cruise credits.

CruiseCare Travel Insurance Program
PROVIDED BY STONEBRIDGE CASUALTY INSURANCE COMPANY Policy Number(s): MZ0911008H0001A

The benefits provided in this program are subject to certain restrictions and exclusions, including the Pre-Existing Condition Exclusion. 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 in this text. In this Description of Coverages, "you," "your" and "yours" refer to the Plan Participant and "we," "us" and "our" refer to the company providing the coverage.

Part A. Travel Arrangement Protection

Pre-Departure Trip Cancellation for Independently Booked Air
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if you are prevented from taking your Covered Cruise Vacation due to your, an Immediate Family Member's, Traveling Companion's, or Business Partner's Sickness, Injury, or death or Other Covered Events as defined, that occur(s) before departure on your Covered Cruise Vacation. The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Cruise Vacation is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Cruise Vacation. Pre-Departure Trip Cancellation Benefits for Independently Booked Air We will reimburse you, up to the amount in the Schedule for the amount of prepaid, nonrefundable, and unused Payments or Deposits.

Post-Departure Trip Interruption for Independently Booked Air
We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if:
1) your arrival on your Covered Cruise Vacation is delayed; or
2) you are unable to continue on your Covered Cruise Vacation after you have departed on your Covered Cruise Vacation due to your, an Immediate Family Member's, Traveling Companion's, or Business Partner's Sickness, Injury, or death or Other Covered Events as defined.
For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item
2) above, commence while you are on your Covered Cruise Vacation and your cover-

DESCRIPTION OF COVERAGES Maximum Benefit Amount

PART A. TRAVEL ARRANGEMENT PROTECTION
Trip Cancellation for Independently Booked Air Up to Total Original Airfare Cost Trip Interruption for Independently Booked Air Up to 150% of Total Original Airfare Cost Trip Delay $ 500

PART B. MEDICAL PROTECTION
Emergency Evacuation $25,000
Repatriation $25,000
Accident Medical Expense $10,000
Sickness Medical Expense $10,000

PART C. BAGGAGE PROTECTION
Baggage and Personal Effects $ 1,500
Baggage Delay $ 500

Azamara Cruises CruiseCare age is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Covered Cruise Vacation is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Cruise Vacation or to prevent you from continuing your Covered Cruise Vacation.

Post-Departure Trip Interruption Benefits for Independently Booked Air
We will reimburse you, up to the amount in the Schedule, for the following:
1) the additional transportation expenses by the most direct route from the point you interrupted your Covered Cruise Vacation:
(a) to the next scheduled destination where you can catch up to your Covered Cruise Vacation; or
(b) to the final destination of your Covered Cruise Vacation;
2) the additional transportation expenses incurred by you by the most direct route to reach your original Covered Cruise Vacation destination if you are delayed and leave after the Scheduled Departure Date.
However, the benefit payable under 1) and 2) above will not exceed the cost of a one-way economy air fare by the most direct route, less any refunds paid or payable for your unused original tickets; 3) your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's Covered Cruise Vacation is interrupted and your Covered Cruise Vacation is continued; 4) reasonable additional accommodation and transportation expenses (up to $100 per day) incurred to remain near a covered traveling Immediate Family Member or Traveling Companion who is hospitalized during your Cruise Vacation.
Important: You, your Traveling Companion and 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 Cruise Vacation must occur after your effective date of Trip Cancellation coverage. Please Note: Benefits will not be paid for expenses not refunded in the event of your travel agent's, the airline's or Azamara Cruises' insolvency. "Other Covered Events" means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy: a) being directly involved in a documented traffic accident while en route to departure; b) being hijacked, quarantined (unless a result of a pandemic or epidemic), required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action; or 2) appearing as a law enforcement officer; c) having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; d) being called into active military service to provide aid or relief in the event of a natural disaster.

Trip Delay
If your Covered Cruise Vacation is delayed, Azamara will reimburse you, up to the amount shown in the Schedule, for unused land or water travel arrangements, less any refund paid or payable, and reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls, and economy transportation to catch up to your Cruise Vacation or to return Home. We will not pay benefits for expenses incurred after travel becomes possible. Trip Delay must be caused by or result from: 1) Common Carrier delay; 2) loss or theft of your passport(s), travel documents or money; 3) quarantine; 4) hijacking; 5) adverse weather; 6) a documented traffic accident while you are en route to departure; 7) unannounced strike; 8) a civil disorder.

Azamara Cruises CruiseCare

Part B. Medical Protection

Medical Expense/Emergency Assistance Benefits
We will pay this benefit, up to the amount in the Schedule, for the following Covered Expenses incurred by you, subject to the following:
1) Covered Expenses will only be payable at the Usual and Customary level of payment;
2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Cruise Vacation;
3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you. We will pay that portion of Covered Expenses that exceeds the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance. We will advance payment to a Hospital, up to $1,000, if needed to secure your medically necessary admission.

Covered Expenses
Accident Medical Expense/Sickness Medical Expense:
1. Expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services incurred by you within one year from the date of your Sickness or Injury;
2. Expenses for emergency dental treatment incurred by you.

Emergency Evacuation:
3. Expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval;
4. Expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval;
5. Expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;
6. Expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence including escort expenses if you are 18 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors prior approval;
7. Expenses for one-way economy class air fare to your place of residence from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan.

Repatriation:
8. Repatriation expenses for preparation and air transportation of your remains to your place of residence, or up to an equivalent amount for a local burial in the country where death occurred, if you die while on your Covered Cruise Vacation. Azamara Cruises CruiseCare
In Parts A & B (except Emergency Evacuation and Repatriation) Azamara will not pay for any loss caused by or incurred resulting from a Pre-Existing Condition Exclusion as defined below.
Part C. Baggage Protection

Baggage and Personal Effects Benefits
We will reimburse you, less any amount paid or payable from any coverage provided by a Common Carrier and/or insurance specifically insuring the lost, stolen, or damaged item(s), up to the amount shown in the Schedule, for direct loss, theft, damage, or destruction of your Baggage during your Covered Cruise Vacation. Valuation and Payment of Loss Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 80% of the Actual Cash Value at the time of loss. At Azamara's option, Azamara may elect to repair or replace your Baggage. We will notify you within 30 days after Azamara receives your proof of loss. We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, Azamara will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Baggage Delay Benefits
We will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you if your Baggage is delayed by a Common Carrier for 24 hours or more during the Covered Cruise Vacation. You must be a ticketed passenger on a Common Carrier. "Pre-Existing Condition" means an illness, disease, or other condition during the 60-day period immediately prior to your effective date for which you or your Traveling Companion, Business Partner or Immediate Family Member who is scheduled or booked to travel with you:
1) received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or
2) took or received a prescription for drugs or medicine.
Item 2) of this definition does not apply to a 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 60-day period before coverage is effective under this Policy.

Azamara Cruises CruiseCare
Definitions
"Accident" means a sudden, unexpected, unintended and external event, which causes Injury.
"Actual Cash Value" means purchase price less depreciation.
"Baggage" means luggage, personal possessions and travel documents taken by you on the Covered Cruise Vacation.
"Business Partner" means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.
"Common Carrier" means any land, water, or air conveyance operated under a license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.
"Covered Cruise Vacation" means a period of travel away from Home to a destination outside your city of residence; the purpose of the Cruise Vacation is business or pleasure and is not to obtain health care or treatment of any kind.
"Cruise Vacation" means a trip for which coverage has been elected and the plan payment paid, and all travel arrangements are arranged by Azamara Cruises prior to the Scheduled Departure Date of the trip. Also covered by this definition are any direct round trip air flights booked by others to and from the scheduled Cruise Vacation departure and return cities, provided the dates of travel are within 14 total days of the scheduled land tour or cruise dates.
"Domestic Partner" means a person who is at least eighteen years of age and you can show:
1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations;
2) evidence of cohabitation for at least the previous 6 months; and
3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

"Elective Treatment and Procedures" means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal or a state or local government authority or by Azamara to be research or experimental or that is not recognized as a generally accepted medical practice. "Home" means your primary or secondary residence.

"Hospital" means an institution, which meets all of the following requirements:
1) it must be operated according to law;
2) it must give 24 hour medical care, diagnosis, and treatment to the sick or injured on an inpatient basis;
3) it must provide diagnostic and surgical facilities supervised by Physicians;
4) registered nurses must be on 24 hour call or duty; and
5) the care must be given either on the hospital's premises or in facilities available to the hospital on a pre-arranged basis.

A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing, or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward, or other section of a hospital used for such purposes).

"Immediate Family Member" includes your or the Traveling Companion's spouse, child, spouse's child, son/daughter-in-law, parent(s), sibling(s), grandparent(s), grandchild, stepbrother/sister, step-parent(s), parent(s)-in-law, brother/sister-in-law, aunt, uncle, niece, nephew, Domestic Partner, or ward.

"Injury" means bodily harm caused by an Accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

"Insurer" means Stonebridge Casualty Insurance Company.

"Original Airfare" means air arrangements that are any direct round trip air flights booked by others to and from the scheduled Cruise Vacation departure and return cities, provided the dates of travel for the air flights are within 14 total days of the scheduled land tour or cruise dates.

"Other Valid and Collectible Group Insurance" means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia.

The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.

"Payments or Deposits" means the cash, check, or credit card amounts actually paid to the Policyholder for your Covered Cruise Vacation.

"Physician" means a person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.

"Plan Participant" means an eligible person who arranges a Covered Cruise Vacation and pays any required plan payment.

"Policy" means the contract issued to the Policyholder providing the benefits specified herein.

"Policyholder" means the legal entity in whose name this Policy is issued, as shown on the benefit Schedule.

"Program Medical Advisors" means On Call International.

"Schedule" means the benefit schedule shown on the Certificate for each Plan Participant.

"Scheduled Departure City" means the city where the scheduled Cruise Vacation on which you are to participate originates.

"Scheduled Departure Date" means the date on which you are originally scheduled to leave on your Covered Cruise Vacation.

"Scheduled Return Date" means the date on which you are originally scheduled to return to the point where the Covered Cruise Vacation started or to a different final destination.

"Sickness" means an illness or disease of the body which: 1) requires examination and treatment by a Physician; and 2) commences while the plan is in effect. An illness or disease of the body that first manifests itself and then worsens or becomes acute prior to the effective date of this plan is not a Sickness as defined herein and is not covered by the plan.

"Traveling Companion" means a person whose name(s) appear(s) with you on the same Cruise Vacation arrangement and who, during the Cruise Vacation, will accompany you.

"Usual and Customary Charge" means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.

Azamara Cruises CruiseCare

General Plan Exclusions

IN PARTS A & B:
We will not pay for any loss or expense caused by or incurred resulting from: a Pre-Existing Condition, as defined in the plan. This Exclusion does not apply to benefits under covered expenses emergency medical evacuation or repatriation of remains of the Medical Expense/Emergency Assistance Benefits coverage, or for Trip Cancellation/Trip Interruption claims resulting from death.

IN PARTS A & B:
We will not pay for any loss under the plan caused by or incurred resulting from: 1) epidemic and/or pandemic; 2) mental, nervous, or psychological disorders, except if hospitalized; 3) being under the influence of drugs or intoxicants, unless prescribed by a Physician; 4) normal pregnancy, except if hospitalized; or elective abortion; 5) declared or undeclared war, or any act of war; 6) service in the armed forces of any country; 7) operating or learning to operate any aircraft, as pilot or crew; 8) any unlawful acts, committed by you or a Traveling Companion (whether Plan Participant or not); 9) any amount paid or payable under any Worker's Compensation, Disability Benefit or similar law; 10) Elective Treatment and Procedures; 11) medical treatment during or arising from a Covered Cruise Vacation undertaken for the purpose or intent of securing medical treatment; 12) business, contractual or educational obligations of you, an Immediate Family Member, Domestic Partner, Business Partner, or Traveling Companion; 13) failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements; 14) a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

IN PART C:
Items Not Covered We will not pay for damage to or loss of: 1) a loss or damage caused by detention, confiscation or destruction by customs; 2) animals; 3) property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof; 4) artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses; 5) documents or tickets, except for administrative fees required to reissue tickets; 6) money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards; 7) property shipped as freight or shipped prior to the Scheduled Departure Date.

Losses Not Covered

1. We will not pay for loss arising from:
1) theft or pilferage from an unattended vehicle;
2) mysterious disappearance.

Azamara Cruises CruiseCare

Term of Coverage

When Coverage Begins All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of: 1) the date the plan payment has been received by Azamara Cruises; 2) the date and time you start your Covered Cruise Vacation; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered Cruise Vacation. Pre-Departure Trip Cancellation coverage will take effect on the day your plan payment is received by Azamara Cruises. Coverage begins at 12:01 A.M. Standard Time of the effective date of the certificate if the required plan payment is received. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date of your Covered Cruise Vacation if the required plan payment is received.

When Coverage Ends
Your coverage automatically ends on the earlier of:
1) the date the Covered Cruise Vacation is completed;
2) the Scheduled Return Date;
3) your arrival at the return destination on a round-trip, or the destination on a one-way trip;
4) cancellation of the Cruise Vacation covered by the Plan.

If your air arrangements are not booked by Azamara Cruises and are greater than 14 total days before and/or after your Cruise Vacation, you will also be covered for Trip Interruption, Trip Delay, and benefits under Parts B and C on the day(s) you are flying to/from your destination.

Claims Procedure

1. Trip Cancellation Claims: Contact your travel agent, Azamara Cruises IMMEDIATELY to notify them of your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate claim form that must be completed by you AND THE ATTENDING PHYSICIAN, if applicable.
2. All Other Claims: Report your claim as soon as possible to BerkelyCare. Provide the policy number above, your travel dates, and details describing the nature of your loss. Upon receipt of this information, BerkelyCare will promptly forward you the appropriate claim form to complete.

Azamara Cruises CruiseCare
Important: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the Accident or Sickness occurred; receipts for medical services and supplies; receipts from the Hospital; police reports or claims reports from the parties responsible (e.g., airline, cruise line, hotel, etc.) for any loss, theft, damage, or delay. In the event of a baggage claim, receipts for any lost or damaged items will be required. In the event of a Baggage Delay or Trip Delay claim, receipts for any additional covered expenses will be required, as well as verification of the delay. You must receive initial treatment within 90 days of the accident that caused the Injury or the onset of the Sickness.

Enrollment Procedure
For your convenience, the cost of the plan may be automatically reflected on your Azamara Cruises invoice and included in the total balance due. Enrollment in CruiseCare is made by simply paying this amount. If you do not wish to take advantage of the CruiseCare Travel Insurance Program, simply deduct the cost of it from your remittance (or ask your travel agent to do so). If the CruiseCare has not been included on your invoice and you wish to purchase it, simply ask your travel agent to contact Azamara Cruises to arrange for billing. If you wish to purchase the CruiseCare Travel Insurance Program only, please contact BerkelyCare. Please Note: Payment for the plan may not be accepted after the Cruise Vacation cost has been paid in full. The plan cost is nonrefundable once you enter the cancellation penalty period. This program was designed for Azamara Cruises guests by BerkelyCareSM.

IN CALIFORNIA: BerkelyCareSM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.
IN ALL OTHER STATES: BerkelyCareSM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NH and NY.

General Provisions
Our Right to Recover from Others: We have the right to recover any payments Azamara have made from anyone who may be responsible for the loss. You and anyone else Azamara insures must sign any papers and do whatever is necessary to transfer this right to Azamara. You and anyone else Azamara insures will do nothing after the loss to affect Azamara's right.

Claims Provisions
Payment of Claims: Claims for benefits provided by the plan will be paid as soon as written proof is received. Benefits are paid directly to you, unless otherwise directed. Any accrued benefits unpaid at your death will be paid to your estate or, if no estate, to your beneficiary. If you have assigned your benefits, Azamara will honor the assignment if a signed copy has been filed with Azamara. We are not responsible for the validity of any assignment.

NOTICE TO CALIFORNIA RESIDENTS
This policy contains disability insurance benefits or health insurance benefits, or both, that apply only during a covered Trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan.

NOTICE TO FLORIDA RESIDENTS
Your homeowner's policy, if any, may provide coverage for loss of personal effects provided by the baggage/personal effects coverage. This insurance is not required in connection with the purchase of tickets for your Azamara Cruises Cruise Vacation.

NOTICE TO NEW YORK RESIDENTS ONLY
The CruiseCare Cruise Vacation Cancellation Enhancement may be purchased separately from the CruiseCare Cancellation Penalty Waiver Program and the CruiseCare Travel Insurance Program.

Carrier and Form Number Information The CruiseCare Travel Insurance Program is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, CT, HI, NE, NH, PA, TN, and TX, Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA,OR, OH, VT, WA, and WY, Policy Form #'s TAHC5100IPS and TAHC5200IPS.

If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA, or WY), your plan is provided on an individual form. You can request a copy of your certificate.

CruiseCare Worldwide Emergency Assistance Program
PROVIDED BY ON CALL INTERNATIONAL

CareFreeTM Travel Assistance -- 24/7
Medical Assistance -- 24/7
Emergency Services -- 24/7
Not a care in the world… when you have Azamara's 24/7 global network to assist you on your travels.

CareFreeTM Travel Assistance

Travel Arrangements

• Arrangements for last-minute flight and hotel changes
• Luggage Locator (reporting/tracking of lost, stolen or delayed baggage)
• Hotel finder and reservations
• Airport transportation
• Rental car reservations and automobile return
• Coordination of travel for visitors to bedside
• Return travel for dependent/minor children
• Assistance locating the nearest embassy or consulate
• Cash transfers
• Assistance with bail bonds

Pre-Trip Information
• Destination guides (hotels, restaurants, etc.)
• Weather updates and advisories
• Passport requirements
• Currency exchange
• Health and safety advisories

Documents and Communication

• Assistance with lost travel documents or passports
• Live email and phone messaging to family and friends
• Emergency message relay service
• Multilingual translation and interpretation services

Medical Assistance Services

• Medical case management, consultation and monitoring
• Medical Transportation
• Dispatch of a doctor or specialist
• Referrals to local medical and dental service providers
• Worldwide medical information, up-to-the-minute travel medical advisories, and immunization requirements
• Prescription drug replacement
• Replacement of eyeglasses, contact lenses and dental appliances

Emergency Services

• Emergency evacuation
• Repatriation of mortal remains
• Emergency medical and dental assistance
• Emergency legal assistance
• Emergency medical payment assistance
• Emergency family travel arrangements

CareFreeTM Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-(866) 509-7716 or, from outside the U.S. or Canada, call collect: 1-(603) 898-2679.

* If you have any difficulty making this collect call, contact the local phone operator to connect you to a US-based long-distance service. In this case, please let the Assistance Provider answering the phone know the number you are calling from, so that he/she may call you back. Any charges for the call will be considered reimbursable benefits. Note that the problems of distance, information, and communications make it impossible for the Program Administrator, Azamara Cruises, or On Call International 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.

More Information on Azamara Cruises

Carnival wants you to have the best vacation ever, with nothing to think about except how much FUN you're going to have. That's why they created Carnival's Cruise Vacation Protection Plan, starting from prices as low as $49. Carnival's Cruise Vacation Protection Plan provides you with peace of mind because unfortunately, the unexpected does sometimes occur.

Carnival's Cruise Vacation Protection Plan is a package of travel protection and emergency assistance services designed to meet the particular needs of their guests. In the event that you must cancel or interrupt your trip because of job loss, a severe weather warning/watch en route to, or at, your port of embarkation, or you, a traveling companion or one of either of your immediate family members becomes unexpectedly ill or injured, Carnival will refund you in cash for your otherwise non-refundable cancellation charges, or for the unused portion of your trip should it be interrupted for certain specified reasons as outlined in the Plan Description.

In addition, the plan covers minor inconveniences like lost or delayed baggage, as well as more serious problems such as an unexpected illness or injury requiring emergency evacuation to your home. More importantly, included in the price of the plan is access to a 24-hour traveler's emergency assistance hotline. For your convenience, the cost of the plan will automatically appear as a option on your invoice.

For a more complete description of the plan benefits, terms, conditions, and exclusions please view their Plan Description.

For a list of frequently asked questions regarding the plan, visit their FAQ's.

Section I: TRAVEL ARRANGEMENT PROTECTION Provided by Carnival Cruise Lines
Plan Protection Maximum Limit Per Person Trip Cancellation Total Cruise Vacation Cost Trip Interruption Total Cruise Vacation Cost Trip Delay $500 Section II: TRAVEL PROTECTION COVERAGES Underwritten by Virginia Surety Company, Inc. HTP04190

What if the unexpected occurs? Medical Protection Maximum Benefit Limit Per Person Emergency Evacuation $30,000 Repatriation of Remains $30,000 Accident Medical Expense $10,000 Sickness Medical Expense $10,000 Or your bags take a detour? Baggage Protection Maximum Benefit Limit Per Person Baggage/Personal Effects $1,500 Baggage Delay $500 Help away from home 24-Hour Worldwide Emergency Assistance Emergency Cash Transfer Assistance Medical Consultation & Monitoring Emergency Cash Transfer Assistance Medical Consultation & Monitoring Emergency Legal Assistance Emergency Medical & Dental Assistance Lost Travel Documents Assistance Emergency Medical Payments Benefits designed exclusively for you to protect your investment. Help ensure a worry-free vacation with Carnival's Cruise Vacation Protection Plan.

Carnival's Cruise Vacation Protection Plan Prices for plans added on, or after July 15, 2009 Cruise Fare Paid (per person)
Vacation Protection Cost (per person)
$0 - $400 $49
$401 - $500 $65
$501 - $600 $79
$601 - $800 $95
$801 - $1,000 $109
$1,001 - $1,200 $119
$1,201 - $1,400 $129
$1,401 - $1,600 $149
$1,601 - $1,800 $159
$1,801 + $189

Note: The plan cost is fully refundable only if you are canceling outside Carnival's published penalty period. Prices are subject to change without notice. These prices are valid on plans added or updated on or after 7/15/09.

Plans added prior to 7/15/09 will be subject to the pricing in effect at the time the plan was added. Section I Travel Arrangement Protection is provided by Carnival Cruise Lines. Section II Travel Protection coverages are underwritten by Virginia Surety Company, Inc. under policy number HTP04190. 24-Hour Worldwide Emergency Assistance Services are provided by On Call International.

More Information on Carnival Cruises

So to make sure you have nothing to think about except having a good time, Celebrity offers the CruiseCare package of benefits:

With the CruiseCare Cancellation Penalty Waiver, if your plans go awry and you cancel - or interrupt - your cruise vacation (for specified reasons), Celebrity Cruises will waive the non-refundable cancellation provision of your cruise ticket contract and pay you IN CASH the value of the unused portion of your prepaid cruise vacation.

In addition, should you or your traveling companion need to cancel for 'any other reason', you may be eligible for CRUISE CREDITS - up to 75% of the non-refundable, prepaid cruise vacation cost.

Guests must cancel their cruise prior to departure and must request a refund through the program administrator to be eligible for cash reimbursement or future cruise credits, as applicable. Credits expire one year after the issue date, are nontransferable, and are not applicable to holiday or inaugural sailings. Credits have no cash value and, if applied to a booking of lesser value, will not result a cash refund of any difference. Credits may not be used for deposits, only final payment, and can be used only on the cruise brand originally booked. Only original copies of credit letters will be accepted; copies or altered letters may not be used.

Brought to you by Celebrity Cruises.

*For NY residents, the CruiseCare Cancellation Penalty Waiver program is underwritten by Stonebridge Casualty Insurance Company. Pricing*

*Prices subject to change. For cruise costs greater than $5,000 per person, prices begin at $369 per person.

Note: The plan cost is fully refundable if you are canceling outside of Celebrity Cruise's published penalty period. Prices are subject to change without notice. The plan cost may be paid at any time from deposit up to and including final payment; however, the CruiseCare Cancellation and Interruption Penalty Waiver takes effect only upon payment of the plan cost in addition to any required cruise deposit. Payment of your cruise fare deposit amount without the plan cost will not activate this program.

Cruise Cost CruiseCare $ 0 - $500 $29 $ 501 - $1,000 $59 $1,001 - $1,500 $89 $1,501 - $2,000 $119 $2,001 - $2,500 $159 $2,501 - $3,000 $189 $3,001 - $3,500 $229 $3,501 - $4,000 $259 $4,001 - $4,500 $299 $4,501 - $5,000 $329

Note: The plan cost is fully refundable if you are canceling outside of Celebrity Cruise's published penalty period. Prices are subject to change without notice. The plan cost may be paid at any time from deposit up to and including final payment; however, the CruiseCare Cancellation and Interruption Penalty Waiver takes effect only upon payment of the plan cost in addition to any required cruise deposit. Payment of your cruise fare deposit amount without the plan cost will not activate this program.

CruiseCare Travel Insurance provides cancellation and interruption protection for independently booked air, as well as coverages to protect you during your covered Trip, as follows:

Trip Cancellation for Independently Booked Air
Up to Total Original Airfare Cost.

Trip Interruption for Independently Booked Air
Up to 150% of Total Original Airfare Cost.

Trip Delay up to $500
If you miss the departure of your trip due to carrier-caused delays or other covered reasons, the plan reimburses you for additional accommodations, meals and 'catch-up' transportation expenses.

Baggage Protection
If your baggage or personal property is lost, stolen, or damaged, the plan will cover up to $1,500. If your bags are delayed or misdirected for more than 24 hours, the plan will reimburse you up to $500 for the purchase of necessary personal items.

Medical Expenses up to $10,000
Should you become injured or sick during your vacation, the plan will reimburse you for necessary medical expenses for up to one year from the date of your accident or illness. This coverage is especially important, as Medicare and many private vacation protection policies generally do not cover you outside of the U.S. or Canada, and many HMOs do not cover you outside their provider area.

Emergency Evacuation up to $25,000
In the event that a covered illness or injury requires air or ground transportation to a specialized facility or to return home, the plan provides for covered medical services and supplies (coordinated by Celebrity's 24-hour Assistance provider, to help ensure your safe transport).

Underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio under policy number(s): MZ0911036H0000A or MZ0911008H0000A.

24-Hour Worldwide Emergency Assistance
CruiseCare Worldwide Emergency Assistance provides 24-hour assistance services, including; pre-trip health, safety and weather information; assistance with travel changes; lost luggage assistance; emergency cash transfer assistance; medical consultation and monitoring; emergency legal assistance; emergency medical and dental assistance; lost travel document assistance; and emergency medical payment assistance.

Provided by On Call International.

While this is not a complete description - a full plan description detailing the terms, conditions and exclusions will be sent to you - Celebrity has highlighted just a few of the plan benefits. Reservation details are not available via this phone number.) The CruiseCare Vacation Protection is provided in addition to other applicable indemnity or insurance programs, where permitted by law and shall apply only after benefits have been paid.

This program was designed for Royal Caribbean International guests by BerkelyCareSM. IN CALIFORNIA: BerkelyCareSM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465. IN ALL OTHER STATES: BerkelyCareSM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NH and NY.

Carrier and Form Number Information: The CruiseCare Vacation Protection is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, CT, HI, NE, NH, PA, TN, and TX ,Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OR, OH, VT, WA, and WY, Policy Form #'s TAHC5100IPS and TAHC5200IPS.

If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA, or WY), your plan is provided on an individual form.

More Information on Celebrity Cruises

Provided by BerkelyCare*
Costa Cruise Lines* offers the following to guests who enroll in and pay for this Guest Protection Plan:

PART A: TRAVEL ARRANGEMENT PROTECTION

Trip Cancellation/Trip Interruption
In the event You are prevented from taking Your Cruise because:
(a) You, Your Traveling Companion or an Immediate Family member suffers a death or an Injury or Sickness which results in medically imposed restrictions, as certified by a Physician, at the time of loss preventing Your continued participation in the covered Cruise; 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; Costa Cruise Lines will refund to You, up to Your total Cruise cost, for:
a) Trip Cancellation - non-refundable cancellation charges imposed by Costa Cruise Lines and/or airfare cancellation charges for flights joining or departing Your Sea/Land Arrangements; 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 Traveling Companion cancels his/her Cruise for a covered reason and You do not cancel.
b) Trip Interruption - unused, non-refundable land or sea expenses prepaid to Costa Cruise Lines 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 destination to the point of origin shown on the original travel tickets).
Costa will also reimburse You, up to $100 per day, for reasonable additional accommodations and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your Cruise. Important: The Sickness or Injury causing You to interrupt Your Cruise must be verified by a Physician before You terminate the Cruise. In no event shall the refund amount exceed the amount You prepaid for Your Cruise. Special Conditions: You must advise Your travel agent, Costa Cruise Lines, and BerkelyCare as soon as possible in the event of a claim. No refund or reimbursement will be made for any additional charges incurred that would not have been charged had You notified these parties as soon as reasonably possible.
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 plan. The event which necessitated the trip cancellation/interruption must first occur after You pay for this Guest Protection Plan.

Trip Delay
Costa will reimburse You for Eligible Expenses, up to $1,000, if Your Cruise is delayed en route to or from Your Sea/Land Arrangements 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; quarantine; hijacking; natural disaster including hurricane; civil commotion or riot. Eligible Expenses include any prepaid, unused, nonrefundable 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.

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 Cruise results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of Your Injuryor Sickness warrants an Emergency Evacuation. Emergency Evacuations must be verified, approved, and arranged in advance by On Call International. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Cruise. 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, up to $30,000, 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 On Call International.
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. Additional Covered Expenses: If You are hospitalized for more than seven (7) days following a covered Emergency Evacuation, the Insurer will pay: (a) to return Your accompanying dependent children under 25 to their home, limited to the cost of one-way economy airfare, less the value of applied credit from an unused return travel ticket, with an attendant if necessary; and/or (b) up to the cost of round-trip economy airfare to bring a person chosen by You to and from Your bedside if You are traveling alone. These expenses must be authorized in advance by On Call International.
The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Cruise.
Please Note: In no event will Covered Expenses for Emergency Evacuation exceed $30,000.

Accident and Sickness Medical Expense
The Insurer will pay benefits, up to $10,000, if You incur necessary Covered Medical Expenses as a result of an Injury, or up to $10,000 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 Cruise. You must receive initial treatment within ninety (90) days of the accident which 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 which 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.

Repatriation of Remains
The Insurer will pay the reasonable Covered Expenses incurred, up to $30,000, to return Your body to Your point of origin if You die during the Cruise. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and transportation.

PRE-EXISTING CONDITIONS
Under Section I and under the Accident and Sickness Medical Expense coverage in Part B of Section II, no payment can be made for any expenses incurred as a result of 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 protection plan purchase: a) first manifested it self or had symptoms which would prompt a reasonable person 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 call BerkelyCare at 1-(800) 453-4037 for further clarification. If, after purchasing the Guest Protection Plan, You must cancel Your Cruise and You are denied a cash refund for Your trip cancellation due to a pre-existing condition, Costa Cruise Lines will instead provide you with a future cruise credit in the amount of your cancellation penalty.


EXCESS COVERAGE PROVISION
The benefits provided under Part A, and the coverage's provided under Part B, shall be in excess of all other valid and collectible indemnity or insurance and shall apply only when such other benefits are exhausted.

PART C: BAGGAGE PROTECTION

Baggage/Personal Effects
The Insurer will reimburse You, up to $1,500, 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.

Baggage Delay
The Insurer will reimburse You, up to $500, for expenses of necessary personal effects needed while at a destination other than Your place of residence 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
(On Call International) Not a care in the world. when you have 24/7 global network to assist you on your travels.

CareFreeTM Travel Assistance

Medical Assistance

Emergency Services CareFreeTM Travel Assistance

Travel Arrangements

Arrangements for last-minute flight and hotel changes

Luggage Locator (reporting/tracking of lost, stolen or delayed baggage)

Hotel finder and reservations

Airport transportation

Rental car reservations and automobile return

Coordination of travel for visitors to bedside

Return travel for dependent/minor children

Assistance locating the nearest embassy or consulate

Cash transfers

Assistance with bail bonds Pre-Trip Information

Destination guides (hotels, restaurants, etc.)

Weather updates and advisories

Passport requirements

Currency exchange

Health and safety advisories Documents and Communication

Assistance with lost travel documents or passports

Live email and phone messaging to family and friends

Emergency message relay service

Multilingual translation and interpretation services Medical Assistance

Medical case management, consultation and monitoring

Medical transportation

Dispatch of a doctor or specialist

Referrals to local medical and dental service providers

Worldwide medical information, up-to-the-minute travel medical advisories, and immunization requirements

Prescription drug replacement

Replacement of eyeglasses, contact lenses and dental appliances Emergency Services

Emergency evacuation

Repatriation of mortal remains

Emergency medical and dental assistance

Emergency legal assistance

Emergency medical payment assistance

Emergency family travel arrangements

CareFreeTM Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-866-509 - 7712 or, from outside the U.S. or Canada, call collect: 1-603-894-9386.
Note that the problems of distance, information, and communications make it impossible for Costa Cruise Lines N.V., Virginia Surety Company, Inc., BerkelyCare, or On Call International 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.

1) 'Common Carrier' - means an air, land, or sea conveyance operating under a valid license for the transportation of passengers for hire.
2) 'Cruise' - means prepaid Sea/Land Arrangements and shall include flight connections to join and depart such Sea/Land Arrangements.
3) 'Domestic Partner' - means a person with whom You reside and can show evidence of cohabitation for at least the previous six months and have an affidavit of domestic partnership, if recognized by the jurisdiction within which You reside.
4) 'Immediate Family' - means children, step- or adopted children, children-in-law, parents, stepparents, parents-in-law, siblings, step-siblings, siblings-inlaw,grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces, nephews, Business Partner, or a Domestic Partner of You or Your Traveling Companion.
5) 'Injury' - means bodily injury caused by an accident occurring while this plan is in force and resulting directly and independently of all other causes in loss covered by this plan. The Injury must be verified by a Physician.
6) 'Insurer' - means Virginia Surety Company, Inc., and is applicable only to the coverages in Section II of this Guest Protection Plan. The reimbursement offered under Section I of this plan is not insurance. Section I terms are an optional modification to Costa Cruise Lines' Passage Contract, as described herein. Costa Cruise Lines' obligation for the modifications to its Passage Contract (for those guests who enroll in, and pay for, this Guest Protection Plan) is underwritten by Virginia Surety Company, Inc.
7) 'Physician' - means a licensed practitioner of medical, surgical, or dental services acting within the scope of his/her license. The treating Physician may not be yourself, a Traveling Companion, or an Immediate Family member.
8) 'Sea/Land Arrangements' - means land and/or sea arrangements made by Costa Cruise Lines.
9) 'Sickness' - means an illness or disease which is diagnosed or treated by a Physician after the effective date of coverage and while You are covered under this plan.
10) 'Traveling Companion' - means one person who is booked to accompany You on Your Cruise.
11) 'You' or 'Your' - means a person who has purchased a Cruise and who has paid the required plan cost for the benefits and coverages provided hereunder. Naturally, as with any protection plan, limitations exist. These exclusions enable us to provide a broad range of benefits at an economical cost to You, without the necessity of medical questionnaires, and, with respect to Section II, to supplement Your existing insurance plans.

THIS GUEST PROTECTION PLAN DOES NOT COVER NOR REIMBURSE FOR: IN PARTS A and B:
Any loss caused by or resulting from: Pre-Existing Conditions (except for Emergency Evacuation, Repatriation of Remains, and Trip Cancellation/Trip Interruption caused by a death); Sickness or disease except as provided for in the policy; war or any act of war whether declared or not; while serving as a member of the armed services; while or as a result of riding in any device for aerial navigation other than as provided for in the policy; participation in any professional, semi-professional, or inter-scholastic team sports; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt thereat; scuba diving, unless it is recreational diving at less than 30 feet in depth; skydiving; hang gliding; parachuting (not including parasailing); contests of speed; elective surgery; non-emergency dental treatment or surgery; elective abortion; normal pregnancy except if hospitalized; mental or nervous disorders except if hospitalized

IN PART C:
Any loss or damage to: animals; automobiles and their equipment; boats; motors; motorcycles; other conveyances and their equipment (except bicycles while checked as baggage with a Common Carrier); household furniture; eyeglasses, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; brittle or fragile articles; money and securities; tickets and documents; sporting equipment if loss or damage results from the use thereof.
Any loss caused by or resulting from: wear and tear; gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; theft or pilferage while left unattended in any vehicle; mysterious disappearance.

1) This protection is valid only upon payment to Costa Cruise Lines of the total required plan cost in advance of any losses and will not cover any losses suffered prior to purchase.
2) The Trip Cancellation protection provided under Part A takes effect upon receipt of the required plan cost by Costa Cruise Lines and ends upon the commencement of Your Sea/Land Arrangements.
3) The remaining coverages and services provided take effect at 12:01 A.M. local time at Your location on the contracted departure date of Your Sea/Land Arrangements and terminate on the earlier of the following: (a) Your return to Your origination point (as specified in the travel tickets); or (b) 11:59 P.M. local time at Your location on the day the Sea/Land Arrangements are scheduled to be completed; or (c) the date You cancel Your Cruise.
4) The duration of protection for the coverages in Section II and the eligibility period for the travel delay protection shall be extended under the following conditions: (a) when You commence air travel from Your origination point (i) within 2 days before the commencement of the Sea/Land Arrangements, coverage shall apply from the time of departure from the origination point; (ii) greater than 2 days before the commencement of the Sea/Land Arrangements, the extension coverage shall be provided only on the day of Your air travel; and (b) if You return to Your origination point (i) within 2 days after the completion of the Sea/Land Arrangements, coverage shall apply until the time of return to the origination point; (ii) greater than 2 days after the completion of the Sea/Land Arrangements, the extension coverage shall be provided only on the day of Your air travel.

1) Reimbursement for trip cancellations: Call Your travel agent, Costa Cruise Lines, and BerkelyCare IMMEDIATELY to notify them of Your cancellation and to avoid any non-reimbursable expenses due to late reporting. BerkelyCare will then forward the appropriate form which must be completed by You and the attending Physician, if applicable.
2) Emergencies arising during Your Cruise: For covered emergencies requiring evacuation or interruption of Your Cruise, contact On Call International immediately at the following numbers: Within the U.S. and Canada: 1-(866) 509-7712 or, outside the U.S. and Canada, call collect*: 1-(603) 894-9386. Identify yourself by the above policy number and give the details of Your problem or medical emergency. * If You have any difficulty making this collect call, contact the local phone operator to connect You to a U.S.-based, long-distance service. In this case, please let the Assistance Provider answering the phone know the number You are calling from, so that he/she may call You back. Any charges for the call will be considered reimbursable benefits.
3) Claims notification upon Your return: Report Your claim in writing as soon as possible to BerkelyCare. Provide the policy number above, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, BerkelyCare will promptly forward You the appropriate form to complete.

Important: In order to facilitate prompt reimbursement/claims settlement upon Your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the accident or Sickness occurred; receipts for medical services and supplies; receipts from the hospital; police reports or claims reports from parties responsible (i.e., airline, cruise line, hotel, etc.) for loss, theft, damage, or delay. In the event of a baggage claim, receipts for damaged items will be required. In the event of a baggage delay or trip delay claim, receipts for any additional Covered Expenses or Eligible Expenses will be required, as well as verification of any delay. For Your convenience, the cost of the plan may be automatically included as an option on Costa's invoice to Your travel agent. Enrollment in the Carefree Guest Protection Plan is made by simply paying this amount. If You do not wish to take advantage of this protection, please advise Your travel agent to deduct the cost of the plan. If the plan cost has not been included on Your invoice and You wish to purchase it, simply ask Your travel agent to contact Costa to arrange for billing.
Please Note: Payment for the plan may not be accepted after the Cruise cost has been paid in full. The plan cost is non-refundable once You enter the cancellation penalty period as stated by Costa Cruise Lines.

This plan was designed for the guests of Costa Cruise Lines and is administered by BerkelyCare . IN CALIFORNIA: BerkelyCare is a service mark of Aon Direct insurance Administrators, CA Insurance License # 0795465.

IN ALL OTHER STATES:
BerkelyCare is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY. For additional information regarding this plan, call the Costa Cruise Lines Protection Help Line at: 1-(800) 453-4037 or 1-(516) 342 - 2720 Office Hours: 8AM-10PM (EST), Monday - Friday 9AM-5PM (EST), Saturday The obligations of BerkelyCare under Section I, and the coverages under Section II, of this plan are underwritten by: Virginia Surety Company, Inc. 175 West Jackson Blvd., 11th Floor, Chicago, IL 60604

NOTICE TO NEW YORK RESIDENTS
* For NY residents, Section I Travel Arrangement Protection is underwritten by Virginia Surety Company, Inc. The terms and conditions of this Carefree Guest Protection Plan are briefly outlined in this plan description. Complete provisions pertaining to the coverages under Section II are contained in the Master Policy on file with the trustee, SunTrust Bank, Washington, D.C. and Costa Cruise Lines. In the event of any conflict between this Carefree Guest Protection Plan and the Master Policy, this Carefree Guest Protection Plan will govern.07/09

More Information on Costa Cruises

Help ensure your peace of mind while traveling.

Consider enrolling in Crystal's specially designed Cruise Protection Program. Enjoy a wide range of travel insurance protection and assistance services demanded by discriminating travelers at very competitive rates.

The Cruise Protection Program not only provides reimbursement for penalties that may be assessed due to cancellations for covered reasons, but also provides medical expense reimbursement for accidents overseas when Medicare and many private insurance policies do not. And, if your claim is denied due to pre-existing medical conditions, Crystal Cruises exclusively offers its Cruise Protection Program participants a unique 'Rollover Provision' that allows you to transfer your cruise payment to a future cruise.

Highlights of the Program Benefits and Assistance Services Trip Cancellation and Interruption Protection
Coverage for non-refundable cancellation or interruption charges due to medical conditions of guests, their immediate family members or traveling companions. Insurance will pay benefits up to $50,000 for covered expenses.

Rollover Credit Feature
If your total trip cost and cancellation penalties exceed $50,000 per insured and you have a covered Trip Cancellation, you will be reimbursed $50,000 in cash, plus a future Crystal Cruises Rollover Credit equal to the amount by which the cancellation penalties imposed exceed the $50,000 per insured cash reimbursement.

If you do not have a covered Trip Cancellation due to a pre-existing medical condition, you will be reimbursed in the form of a future Crystal Cruises Rollover Credit equal to the amount of the cancellation penalties imposed.

In both cases mentioned above, the Rollover Credit will be valid for cruises commencing within twelve (12) months from the date of cancellation. This rollover is non-transferable and not redeemable for cash.

$1,000 Travel Delay
Reimburses for additional accommodations and 'catch-up' transportation expenses for covered delays of more than 12 hours.

$3,000 Baggage Protection/Personal Effects Protection
Provides reimbursement in the event of covered loss, theft or damage during the entire duration of your vacation. There is also a $1,000 Baggage Delay benefit which reimburses for the purchase of personal items should your bags become delayed for more than 24 hours.

$20,000 Medical Protection
Provides coverage for expenses incurred as a result of an illness or injury that first occurs during your cruise.

$50,000 Emergency Evacuation
This coverage applies to the reasonable cost of transfer to the nearest medical facility qualified to treat a covered emergency.

24-hour Worldwide Emergency Assistance Services
Provides 24/7 worldwide emergency assistance, including facilitation of cash transfers; pre-cruise health, safety and weather information, travel changes; lost luggage assistance; lost documents assistance; medical consulting and monitoring; legal, dental and medical referrals to overseas doctors or hospitals; and emergency medical payment assistance. These services are provided by AIG Assist.

How To Enroll For your convenience, the cost of the program, which is based on your total trip price, will be automatically included in the final balance due on Crystal Cruises invoice to your agent. Payment for this program cannot be accepted after final trip payment or commencement of the penalty period.

To obtain the Crystal Cruise Protection Program, simply ask your travel agent to provide you with the Description of Coverage. The plan cost will be shown on your deposit receipt. Please ask your travel agent to confirm that your booking is correctly noted by Crystal Reservations Department. Should you decide to purchase the Cruise Protection Program, simply pay the plan cost with your final payment. The Trip Cancellation provisions take effect upon receipt of the Crystal Cruise Protection Program payment. All other provisions take effect upon departure.

If you have any questions, or would like an additional copy of the Description of Coverage, please call the program administrator, BerkelyCare, at 1-800-521-4591.

Important: This is only a brief description of the program. For complete details of the terms, conditions and exclusions, please refer to the Description of Coverage which you will receive with your travel documents. The policy provides limited benefits, health insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance, as defined by the New York State Insurance Department. This insurance is underwritten by the National Union Fire Insurance Company of Pittsburgh, PA, Policy No. 1257-9500185. This insurance is provided in excess of all other valid and collectible insurance or indemnity, and shall apply only after such other benefits have been paid. The Cruise Protection Program is available to U.S., Canadian and international residents.

This plan was designed and is administered by BerkelyCare.SM In California: BerkelyCareSM is a service mark of Aon Direct Insurance Administrators, CA Insurance License #0795465. In all other states: BerkelyCareSM is a division of Affinity Insurance Services, Inc. in all states other than California, except AIS Affinity Insurance Agency, Inc. in Minnesota and Oklahoma, and AIS Affinity Insurance Agency in New York. This plan is underwritten by: National Union Fire Insurance Company of Pittsburgh, PA; Executive Offices: New York, NY.

More Information on Crystal Cruises

PLAN DESCRIPTION
SCHEDULE OF BENEFITS AND SERVICES
SECTION I -TRAVEL ARRANGEMENT PROTECTION
PROVIDED BY CUNARD LINE*
Per Guest Maximum, Up To:
PART A: TRAVEL ARRANGEMENT PROTECTION
Trip Cancellation Total = Trip Cost, up to $50,000
Trip Interruption = Total Trip Cost, up to $50,000
Trip Delay = $1,000
Important: For Trip costs exceeding $50,000 per person, Cunard will
provide Future Travel Credits equal to the otherwise non-refundable
cancellation fees which exceed the $50,000 cash refund limit. * For NY
Residents, Section I Travel Arrangement Protection is underwritten by
Virginia Surety Company, Inc.

SECTION II -TRAVEL PROTECTION COVERAGES
UNDERWRITTEN BY VIRGINIA SURETY COMPANY, INC.
POLICY NUMBER HTP04193
Per Guest Maximum, Up To:

PART B: MEDICAL PROTECTION
Emergency Evacuation/Repatriation of Remains ..........................$50,000
Accident Medical Expense ..........................................................$20,000
Sickness Medical Expense ..........................................................$20,000

PART C: BAGGAGE PROTECTION
Baggage/Personal Effects ..............................................................$3,000
Baggage Delay ..................................................................................$500

PART D: WORLDWIDE EMERGENCY ASSISTANCE
(On Call International)
Emergency Traveler's Assistance ..............................................24 Hours
Medical Consultation and Monitoring ............................................24 Hours
Emergency Legal Assistance ......................................................24 Hours
Emergency Medical and Dental Assistance ..................................24 Hours
Lost Travel Documents Assistance ............................................24 Hours
Emergency Medical Payment Assistance ..................................24 Hours
The benefits provided in this plan are subject to certain restrictions and
exclusions, including the Pre-Existing Condition Exclusion. Please read
this brochure in its entirety for a complete description of all terms and
conditions.

SECTION I -TRAVEL ARRANGEMENT PROTECTION
PROVIDED BY CUNARD LINE*
Cunard Line* offers the following modifications to the cancellation,
interruption, and delay provisions of the Passage Contract to guests who
enroll in and pay for this Guest Protection Program:

PART A: TRAVEL ARRANGEMENT PROTECTION
Trip Cancellation/Trip Interruption
In the event You are prevented from taking Your Trip because: (a) You,
Your Traveling Companion or Immediate Family member suffers a death
or an Injury or Sickness which results in medically imposed restrictions,
as certified by a Physician, at the time of loss preventing Your continued
participation in the covered Trip 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; Cunard Line will refund to
you, up to Your total Trip cost, for:

A) TRIP CANCELLATION: non-refundable cancellation charges imposed
by Cunard Line and/or airfare cancellation charges for flights (booked
through Cunard) joining or departing Your Sea/Land Arrangements; 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 Traveling
Companion cancels his/her Trip for a covered reason and You do not
cancel.

NOTE: As respects air cancellation penalties, You will be refunded only
for Air Arrangements booked through Cunard and flights connecting to
such Air Arrangements booked through Cunard. Cunard will not refund
cancellation charges imposed on any other air arrangements You may
book on Your own.

B) TRIP INTERRUPTION: unused, non-refundable land or sea expenses
prepaid to Cunard Line 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 destination to
the point of origin shown on the original travel tickets). Cunard will also
reimburse you, 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 Trip.

IMPORTANT: The Sickness or Injury causing You to interrupt Your Trip
must be verified by a Physician before You terminate the Trip. 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 plan. The event which necessitated the trip
cancellation/interruption must first occur after You pay for this Guest
Protection Program. In no event shall the refund amount exceed the
amount You prepaid for Your Trip.

SPECIAL CONDITIONS: You must advise Your travel professional, Cunard
Line, and BerkelyCare as soon as possible in the event of a claim. No
refund or reimbursement will be made for any additional charges
incurred that would not have been charged had You notified these
parties as soon as reasonably possible.

TRIP DELAY: Cunard will reimburse You for Eligible Expenses, up to
$1,000, if Your Trip is delayed en route to or from Your Sea/Land
Arrangements 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;
quarantine; hijacking; natural disaster including hurricane; civil
commotion or riot. Eligible Expenses include any prepaid, unused, nonrefundable
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
UNDER SECTION I, NO PAYMENT CAN BE MADE FOR ANY EXPENSES
INCURRED AS A RESULT OF 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 PROTECTION PLAN PURCHASE: A)
FIRST MANIFESTED ITSELF OR HAD SYMPTOMS WHICH WOULD
PROMPT A REASONABLE PERSON 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.
GUEST PROTECTION PROGRAM
If You have any questions concerning this exclusion, please call
BerkelyCare at 1-(800) 323-3153 for further clarification. *For NY
Residents, Section I Travel Arrangement Protection is underwritten by
Virginia Surety Company, Inc.

SECTION I TRAVEL PROTECTION COVERAGES
UNDERWRITTEN BY VIRGINIA SURETY COMPANY, INC.

PART B: MEDICAL PROTECTION
EMERGENCY EVACUATION AND REPATRIATION OF REMAINS
The Insurer will pay benefits for Covered Expenses if an Injury or
Sickness commencing during the course of the Trip 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
Evacuations must be verified, approved, and arranged in advance by On
Call International. The Insurer will also pay the reasonable Covered
Expenses incurred to return Your body to Your point of origin if You die
during the Trip. Covered Expenses include, but are not limited to,
expenses for embalming, cremation, coffin for repatriation, and
Transportation. The Insurer will not cover any expenses provided by
another party at no cost to You or already included in the cost of the
Trip.

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, up to
$50,000, 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 On Call International.
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.
Additional Covered Expenses: If You are hospitalized for more than
seven (7) days following a covered Emergency Evacuation, the Insurer
will pay: (a) to return Your accompanying dependent children under 25
to their home, limited to the cost of one-way economy airfare, less the
value of applied credit from an unused return travel ticket, with an
attendant if necessary; and/or (b) up to the cost of round-trip economy
airfare to bring a person chosen by You to and from Your bedside if You
are traveling alone. These expenses must be authorized in advance by
On Call International.
The Insurer will not cover any expenses provided by another party at no
cost to You or already included in the cost of the Trip.

PLEASE NOTE: In no event will Covered Expenses for Emergency
Evacuation and Repatriation of Remains exceed $50,000.
ACCIDENT and SICKNESS MEDICAL EXPENSE
The Insurer will pay benefits, up to $20,000, if You incur necessary
Covered Medical or Dental Expenses as a result of an Injury, or up to
$20,000 if You incur necessary Covered Medical or Dental 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 Trip. You must receive initial treatment within ninety
(90) days of the accident which 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. Only
dental expenses incurred during Your Trip are covered.
Covered Medical or Dental Expenses are necessary services and
supplies which 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 BENEFITS PROVIDED UNDER PART A, AND THE COVERAGES
PROVIDED UNDER PART B, SHALL BE IN EXCESS OF ALL OTHER VALID
AND COLLECTIBLE INDEMNITY OR INSURANCE AND SHALL APPLY
ONLY WHEN SUCH OTHER BENEFITS ARE EXHAUSTED.

PART C: BAGGAGE PROTECTION
BAGGAGE/PERSONAL EFFECTS
The Insurer will reimburse You, up to $3,000, 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. There will
be a combined maximum limit of $1,000 for the following: jewelry;
watches; articles trimmed with, or made mostly of, fur; and cameras,
video cameras, and their related equipment.

BAGGAGE DELAY
The Insurer will reimburse You, up to $500, for expenses of necessary
personal effects needed while at a destination other than Your place of
residence 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
(On Call International)
On Call International (On Call) provides a 24-hour emergency telephone
assistance service for Your benefit so that, in the event of an
emergency during the term of this coverage, English-speaking help and
advice may be furnished.
• Emergency Cash Transfer Assistance
• Medical Consultation and Monitoring
• Emergency Legal Assistance
• Emergency Medical and Dental Assistance
• Lost Travel Documents Assistance
• Emergency Medical Payment Assistance
DEFINITIONS
1.'AIR ARRANGEMENTS' - means air arrangements made by Cunard Line.
2.'BUSINESS PARTNER' - means an individual who is: (a) involved with You
in a legal partnership; and (b) actively involved in the day-to-day
management of the business.
3.'COMMON CARRIER' - means an air, land, or sea conveyance operating
under a valid license for the transportation of passengers for hire.
4.'DOMESTIC PARTNER' - means a person with whom You reside and can
show evidence of cohabitation for at least the previous six months and have
an affidavit of domestic partnership, if recognized by the jurisdiction within
which You reside.
5.'IMMEDIATE FAMILY' - means children, step- or adopted children, children in-
law, parents, step-parents, parents-in-law, siblings, step-siblings, siblings in-
law, grandparents, grandchildren, legal or common law spouse, aunts,
uncles, nieces, nephews, Business Partner, or a Domestic Partner of You or
Your Traveling Companion.
6.'INJURY' - means bodily injury caused by an accident occurring while this
plan is in force and resulting directly and independently of all other causes in
loss covered by this plan. The Injury must be verified by a Physician.
7.'INSURER' - means Virginia Surety Company, Inc. and is applicable only to
the coverages in Section II of this Guest Protection Program. The
reimbursement offered under Section I of this plan is not insurance. Section I
terms are an optional modification to Cunard Line's Passage Contract, as
described herein. Cunard Line's obligation for the modifications to its
Passage Contract (for those guests who enroll in, and pay for, this Guest
Protection Program) is underwritten by Virginia Surety Company, Inc.
8.'PHYSICIAN' - means a licensed practitioner of medical, surgical, or dental
services acting within the scope of his/her license. The treating Physician
may not be yourself, a Traveling Companion, or an Immediate Family
member.
9.'SEA/LAND ARRANGEMENTS' - means land and/or sea arrangements
made by Cunard Line.
10.'SICKNESS' - means an illness or disease which is diagnosed or treated
by a Physician after the effective date of coverage and while You are
covered under this plan.
11.'TRAVELLING COMPANION' - means one person who is booked to
accompany You on Your Trip.
12.'TRIP' - means prepaid Sea/Land Arrangements and shall include flight
connections to join and depart such Sea/Land Arrangements.
13.'YOU' OR 'YOUR' - means a person who has purchased a Trip and who
has paid the required plan cost for the benefits and coverages provided
hereunder.

EXCLUSIONS
Naturally, as with any protection plan, limitations exist. These
exclusions enable Cunard to provide a broad range of benefits at an
economical cost to You without the necessity of medical questionnaires
and, with respect to Section II, to supplement Your existing insurance
plans.

THIS GUEST PROTECTION PROGRAM DOES NOT COVER NOR
REIMBURSE FOR:
IN PARTS A and B:

ANY LOSS CAUSED BY OR RESULTING FROM: Pre-Existing Conditions
(except Trip Cancellation/Trip Interruption caused by a death); Sickness
or disease except as provided for in the policy; war or any act of war
whether declared or not; while serving as a member of the armed
services; while or as a result of riding in any device for aerial navigation
other than as provided for in the policy; participation in any
professional, semi-professional, or inter-scholastic team sports; being
under the influence of drugs or intoxicants unless prescribed by a duly
licensed Physician; participation in any felonious act or attempt thereat;
scuba diving, unless it is recreational diving at less than 30 feet in
depth; skydiving; hang gliding; parachuting (not including parasailing);
contests of speed; elective surgery; non-emergency dental treatment or
surgery; elective abortion; normal pregnancy except if hospitalized;
mental or nervous disorders except if hospitalized.

IN PART C: ANY LOSS OR DAMAGE TO: animals; automobiles and their
equipment; boats; motors; motorcycles; other conveyances and their
equipment (except bicycles while checked as baggage with a Common
Carrier); household furniture; eyeglasses, sunglasses, and contact
lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs;
brittle or fragile articles; money and securities; tickets and documents;
sporting equipment if loss or damage results from the use thereof.

ANY LOSS CAUSED BY OR RESULTING FROM: wear and tear, gradual
deterioration; insects or vermin; inherent vice or damage; confiscation
or expropriation by order of any government; radioactive contamination;
war or any act of war whether declared or not; theft or pilferage while
left unattended in any vehicle; mysterious dis-appearance.

TERM OF PROTECTION

1. This protection is valid only upon payment to Cunard Line of the total
required plan cost in advance of any losses and will not cover any
losses suffered prior to purchase.

2. The Trip Cancellation protection provided under Part A takes effect
upon receipt of the required plan cost by Cunard Line and ends upon the
commencement of Your Sea/Land Arrangements.

3. The remaining coverages and services provided take effect at
12:01 A.M. local time at Your location on the contracted departure date
of Your Sea/Land Arrangements and terminate on the earlier of the
following: (a) Your return to Your origination point (as specified in the
travel tickets); or (b) 11:59 P.M. local time at Your location on the day
the Sea/Land Arrangements are scheduled to be completed; or (c) the
date You cancel Your Trip.

4. The duration of protection for the coverages in Section II and the
eligibility period for the travel delay protection shall be extended under
the following conditions: (a) when You commence air travel from Your
origination point (i) within 7 days before the commencement of the
Sea/Land Arrangements, coverage shall apply from the time of
departure from the origination point; (ii) greater than 7 days before the
commencement of the Sea/Land Arrangements, the extension coverage
shall be provided only on the day of Your air travel; and (b) if You return
to Your origination point (i) within 7 days after the completion of the
Sea/Land Arrangements, coverage shall apply until the time of return to
the origination point; (ii) greater than 7 days after the completion of the
Sea/Land Arrangements, the extension coverage shall be provided only
on the day of Your air travel.

WHERETO REPORT CANCELLATIONS OR

SECTION II CLAIMS

1. REIMBURSEMENT FOR TRIP CANCELLATIONS: Call Your travel
professional, Cunard Line, and BerkelyCare IMMEDIATELY to notify them
of Your cancellation and to avoid any non-reimbursable expenses due to
late reporting. BerkelyCare will then forward the appropriate form which
must be completed by You AND THE ATTENDING PHYSICIAN, if
applicable.

2.EMERGENCIES ARISING DURING YOUR TRIP:
Identify yourself by the policy number
HTP04193 and give the details of Your problem or medical emergency.

* If You have any difficulty making this collect call, contact the local phone operator
to connect You to a U.S.-based, long-distance service. In this case, please let the
Assistance Provider answering the phone know the number You are calling from, so
that he/she may call You back. Any charges for the call will be considered
reimbursable benefits.

Note that the problems of distance, information, and communications
make it impossible for Virginia Surety Company, Inc., BerkelyCare, or On
Call International 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.

3. CLAIMS NOTIFICATION UPON YOUR RETURN: Report Your claim as
soon as possible to BerkelyCare. Provide the policy number above, Your
travel dates, and details describing the nature of Your loss. Upon receipt
of this information, BerkelyCare will promptly forward You the
appropriate form to complete.
BerkelyCare Office Hours
300 Jericho Quadrangle 8AM - 10PM (EST),
P.O. Box 9022 Monday - Friday
Jericho, NY 11753 9AM - 5PM (EST),

IMPORTANT: In order to facilitate prompt reimbursement/claims
settlement upon Your return, be sure to obtain as applicable: detailed
medical statements from Physicians in attendance where the accident
or Sickness occurred; receipts for medical services and supplies;
receipts from the hospital; police reports or claims reports from parties
responsible (i.e., airline, cruise line, hotel, etc.) for loss, theft, damage,
or delay. In the event of a baggage claim, receipts for damaged items
will be required. In the event of a baggage delay or trip delay claim,
receipts for any additional covered/eligible expenses will be required, as
well as verification of any delay.

ENROLLMENT PROCEDURE
For Your convenience, the cost of the plan may be automatically
included as an option on Cunard's invoice to Your travel professional.
Enrollment in the Guest Protection Program is made by simply
paying this amount. If You do not wish to take advantage of this
protection, please advise Your travel professional to deduct the cost of
the plan. If the plan cost has not been included on Your invoice and You
wish to purchase it, simply ask Your travel professional to contact
Cunard to arrange for billing.
PLEASE NOTE: Payment for the plan may not be accepted after the Trip
cost has been paid in full. The plan cost is non-refundable once You
enter the cancellation fee period as stated by Cunard Line.
This program was designed for the Guests of Cunard Line by:
This plan was designed and is administered by BerkelyCareSM. IN
CALIFORNIA: BerkelyCareSM is a service mark of Aon Direct Insurance
Administrators, CA Insurance License #0795465.
IN ALL OTHER STATES: BerkelyCareSM is a division of Affinity Insurance
Services, Inc. in all states other than CA, except: AIS Affinity Insurance
Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NH
and NY.
For additional information regarding this plan,
call the Cunard Line Protection Help Line at:
1-(800) 323-3153 or 1-(516) 342-2720
Office Hours:
8AM - 10PM (EST), Monday - Friday
9AM - 5PM (EST), Saturday
The obligations of Cunard Line under Section I* and the coverages
under Section II of this plan are underwritten by:
Virginia Surety Company, Inc.
1000 Milwaukee Drive, Glenview, IL 60025
NOTICE TO NY RESIDENTS: * For NY Residents, Section I Travel
Arrangement Protection is underwritten by Virginia Surety Company,
Inc.
The terms and conditions of this Guest Protection Program are briefly
outlined in this plan description. Complete provisions pertaining to the
coverages under Section II are contained in the Master Policy on file
with the trustee, Marine Bank, Springfield, and Cunard Line. In the event
of any conflict between Section II of this plan description and the
Master Policy, the Master Policy will govern.

More Information on Cunard Cruises

When planning a Disney Cruise Line vacation, the only thing you will want to worry about is which suntan lotion to pack. Just as Disney Cruise Line has created a vacation that anticipates your every need, they have also planned for the unexpected by arranging the Disney Cruise Vacations Protection Plan.

When including insurance with your Disney Cruise package, it can be added to your cruise up until your balance due date or when full payment is made. (It can also be removed prior to paying your balance.) Once the final payment is made, insurance cannot be added or removed.

The prices are as follows:

CRUISE ITINERARY	FIRST & SECOND GUEST	EACH ADDITIONAL GUEST
3 Night	$59	$39
4 Night	$69	$49
5 Night	$69	$49
7 Night	$109	$59
10 Night	$169	$99
11 Night	$169	$99
15 Night	$169	$99

Prices are per guest and stateroom and are subject to change without notice.

Travel insurance is designed to give you peace of mind by protecting vacation investment, health and belongings. The Plan is a combination of travel insurance benefits and emergency hotline services created and provided by World Access Service Corporation. Below is a brief summary of what is included.

• Trip Cancellation/Interruption Protection* for any non-refundable fees if you must cancel or interrupt your trip due to a covered medical condition or other specified cause.
• Travel Delay Protection* for reasonable, additional traveling expenses incurred up to $500 due to a covered travel delay.
• Emergency Medical/Dental Benefits* if you suffer a covered accidental injury or illness while on their trip. You will be reimbursed up to $10,000 for covered emergency medical and dental expenses.
• Emergency Medical Transportation to the nearest appropriate medical facility due to a covered illness or injury incurred for up to $30,000.
• Baggage Coverage* and Delay Protection* for a covered loss, theft, or damage to personal effects up to $3,000. For baggage delays of more than 24 hours, the Plan provides reimbursement up to $500 for the purchase of essential items.
• Emergency Assistance with a world-wide 24-hour hotline for help with travel-related problems such as lost travel documents and emergency cash transfers.

Pre-Existing Condition exclusions and other exclusions, limitations and restrictions apply. For a full description, detailing the limits, terms, conditions and exclusions of the Plan, and what to do in the event of an emergency, please refer to the Description of Coverage that is included with travel documents. If you have questions you may call World Access Service Corporation directly at 1-800-573-5665.

The Emergency Medical Transportation and Assistance services are provided by Access America, a division of World Access Service Corporation.

*Insurance coverage underwritten by BCS Insurance Company.

Please note that insurance coverage for loss of personal effects may be included in some homeowners' policies.

More Information on Disney Cruises

Policy information accurate as of (date), please contact your travel agent for the most up to date information.

Cancellation Policy and Cancellation Protection Plans

Holland America, Windstar Cruises, Gray Line of Alaska and Gray Line of Seattle (each referred to as 'Company') offer passengers the opportunity to purchase either their Standard Cancellation Protection Plan (CPP Standard Plan) or their Platinum Cancellation Protection Plan (CPP Platinum Plan). Both of these plans are optional and must be paid for at time of deposit. Payments are not refundable. The CPP Platinum Plan is only available for U.S. residents.

Please refer to your cruise or tour confirmation for verification of whether you purchased either of these plans. The remaining text on this cover panel only applies if you purchased the CPP Platinum Plan.

GROUP PLAN CODE 1308-I - CPP Platinum Plan (As of 10/1/2003)

Name_______________________________ Booking # __________________

No coverage for the CPP Platinum Plan is in force unless payment has been made for this plan. When Company receives your payment for this plan, this brochure becomes your Certificate of Insurance and Description of Services.

IMPORTANT: If you purchased the CPP Platinum Plan, keep this document and carry a copy with you when you travel. If you need to cancel your trip, contact your travel agent or Holland America Line Inc., Windstar Cruises, Gray Line of Alaska or Gray Line of Seattle (as appropriate), immediately to cancel your reservation.

This plan is administered by CSA Insurance Services.

CANCELLATIONS POLICY

Company's Cancellations Policy for the cruise or tour you have selected is described in the applicable cruise line or tour brochure. In most cases, this policy permits a full refund of amounts received by Company (except for amounts you paid for the CPP Standard Plan or CPP Platinum Plan) if written cancellation is received by Company at least 76 days (91 days for Windstar and 61 days for Gray Line of Alaska and Gray Line of Seattle) prior to the date you are to commence travel by any means of transportation (air, sea or ground) booked through Company. Longer notice is required for certain cruises or tours. In most cases, a partial refund will be provided for later cancellations up to a certain number of days prior to commencing travel, after which no refund will be made. The brochure specifies the exact cancellation deadlines and refund amounts.

Cancellation fees apply regardless of the reason for cancellation, including medical and family matters. Given that the resale of cancelled space will likely result in a lost opportunity to sell other space, cancellation fees are due regardless of resale.

To be effective, written cancellation must be actually received by Company's Seattle, Washington office prior to the applicable deadline. For Holland America Line and Windstar Cruises, the address to use is Reservations Control, Holland America Line Inc., 300 Elliott Ave. West, Seattle, WA 98119; cancellations may also be faxed to 1-800-628-4855. For Gray Line of Alaska and Gray Line of Seattle, the address to use is: Reservations Supervisor, Gray Line of Seattle and Gray Line of Alaska, 300 Elliott Ave. West, Seattle, WA 98119; cancellations may also be faxed to 1-206-301-5282. Please retain your fax confirmation.

Refunds will be processed on the basis of the net payment actually received and retained by Company from your travel agent, excluding the amount paid for the CPP Standard Plan or CPP Platinum Plan. This exclusion applies even if cancellation occurs at a time when no cancellation fee would otherwise be payable. The net payment received and retained by Company would not include any amounts kept by, or paid to, the travel agent as commission, or amounts otherwise not paid by the travel agent to Company. Refunds will normally be made to your travel agent. You are responsible for obtaining from your travel agent monies either retained by your travel agent or received by your travel agent from Company.

Airplane tickets issued by Company must be returned before the fare will be refunded. Cruise contracts and contracts of carriage are non-transferable. Name changes (if allowed) and departure date changes are considered cancellations and are subject to cancellation fees.

CANCELLATION PROTECTION PLANS

Holland America Line, Windstar Cruises, Gray Line of Alaska and Gray Line of Seattle each offer passengers the opportunity to purchase either its Standard Cancellation Protection Plan (CPP Standard Plan) or its Platinum Cancellation Protection Plan (CPP Platinum Plan). Both of these plans are optional and must be paid for at time of deposit. Payments are not refundable. The CPP Platinum Plan is only available for U.S. residents.

CPP STANDARD PLAN: Our CPP Standard Plan allows you, for any reason, to provide written cancellation up to 24 hours prior to scheduled cruise, tour or cruisetour departure and receive a cash refund equal to 80 percent of the applicable cancellation fee (90 percent if you purchased HAL CPP Platinum Plan). In addition, Company automatically assumes an additional $500 of liability for lost, damaged or delayed baggage of passengers who purchase the CPP Standard Plan still subject, however to the limitations in HAL's baggage policies. For example, HAL does not cover losses while baggage is in the custody of airlines. Our baggage policies are explained in detail in HAL's brochure and Cruise Contract or, as to Gray Line of Alaska and Gray Line of Seattle, HAL's Contract of Carriage.

The CPP Standard Plan is not insurance; it provides no rights other than those explained above. For example, it does not protect double-triple-quad occupancy rates should one or more members of your party cancel nor does it cover expenses or unused services due to trip interruption.

CPP PLATINUM PLAN: Our CPP Platinum Plan enables you to supplement the CPP Standard Plan with insurance coverage underwritten by Monumental General Casualty Company (all states except as otherwise noted) under Policy Form # TAHC2000GPC; Certificate #TAHC2000GCC, or Stonebridge Casualty Insurance Company (AL, AZ, CO, DE, ID, MN, NJ, NM, NY, ND, PA, and VT) under Policy Form # TAHC5000GPS, Certificate # AHC5000GCS. The CPP Platinum Plan also includes various travel assistance services arranged by CSA Insurance Services. Neither CSA nor the insurers are affiliated with Company. The specific coverage and services available under the CPP Platinum Plan are specified in the following Schedule of Coverages and Services.

SCHEDULE OF COVERAGES AND SERVICES

24-HOUR EMERGENCY HOTLINE SERVICES
· Medical Referral · Emergency Cash Transfer · Legal Referral
· Lost Ticket and Passport Assistance · Emergency Prescription Refill Assistance

INSURANCE COVERAGES

• Pre-Departure Trip Cancellation: (Only applies beginning 24 hours prior to scheduled Cruise, Tour or Cruise/Tour departure time)
  • Maximum Limits Per Person: Cruise, Tour or Cruise/Tour Cost, Up to $20,000 (+)
  • Trip Interruption: 150 percent of the Cruise, Tour or Cruise/Tour Cost, Up to $20,000 (+)
• Post-Departure Trip Delay: Up to $1,000.00 (daily limits apply)
• Emergency Assistance: Up to $50,000
• Medical or Dental Expense Benefit: Up to $10,000

(+) $20,000 limitation is not applicable to the World Cruise.

To purchase the CPP Platinum Plan, you must include the cost of this plan in your initial trip deposit. The payment is non-refundable. No coverage is in force unless payment has been made for this plan.

The Trip Cancellation coverage becomes effective 24 hours prior to your scheduled cruise, tour or cruise/tour departure time. Other benefits and help services begin at 12:01 AM on the day you start your trip.

Coverage is only for Cruise/Tours (certain Alaska and Hawaii products only) booked through Holland America Line, Cruises booked through Holland America Line or Windstar Cruises, and Tours booked through Gray Line of Alaska or Gray Line of Seattle. Coverage does not include hotels, air or ground transportation before or after your Cruise, Cruise/Tour or Tour (including Company's Home City Air program) or any other optional programs, whether or not purchased through Company.

NOTE: The booking for this trip must be the first and only booking for this travel period and destination.

DESCRIPTION OF 24-HOUR EMERGENCY HOTLINE SERVICES - Assistance Services will be provided by CSA Insurance Service's designated provider.

24-HOUR EMERGENCY HOTLINE SERVICES

There are various 24-hour emergency hotline benefits provided under the CSA Travel Protection packages. A description of all 24-hour emergency hotline benefits offered are contained in this document. 24-hour emergency hotline benefits are only available to persons whose primary residence is in the United States. This plan is administered by CSA Insurance Services.

HOW TO CALL THE 24-HOUR EMERGENCY HOTLINE

If you need emergency help for a covered event, you can call 24 hours a day 866-816-2068 from within the United States, or call (collect) (603) 328-1737 from anywhere else. You should have your Plan Code (1308-I) and Cruise or Tour Booking Number, your location and a local telephone number and details of the situation. The assistance provider will confirm your enrollment and assist you. If you cannot call collect from your location, dial direct and give the assistance coordinator your telephone number and location and they will call you back.

Seek local help if your emergency is immediate and life threatening, and contact the assistance provider by calling the hotline as soon as reasonably possible.

Help services have been included in this program to provide, whenever possible, on-the-spot and immediate assistance for those unexpected problems that can arise during your trip.

There may be times when circumstances beyond the assistance provider's control hinder their endeavors to provide help services; they will however, make all reasonable efforts to provide services and help resolve your problem. The assistance provider's staff will do their best to refer you to appropriate providers. However, Company, the assistance provider and CSA Insurance Services cannot be held responsible for the quality or results of any services provided by these independent practitioners.

AVAILABILITY OF SERVICES

24-Hour Hotline Services become available when you actually start your trip. Services end the earliest of: midnight on the day the program expires; when you reach your return destination; or when you complete your trip.

Medical Referral
If an emergency occurs during a trip that requires you to seek urgent medical advice you should call the 24-Hour Hotline to obtain the names of local qualified doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance as they believe to be in your best interest.

Emergency Cash Transfer
If your cash or travelers checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will, whenever possible, help arrange for an emergency cash transfer in currency, travelers checks, or other form acceptable to the assistance provider. These funds must come from your major credit card(s) or from family and/or friends.

Legal Referral
The assistance provider will provide travelers with access or referrals to the most conveniently located attorneys available during regular working hours. Assistance will also be provided in obtaining bail bonds in those geographical locations where such bonds are customarily issued. You are responsible for contracted legal fees.

Lost Ticket and Passport Assistance
The assistance provider will, whenever possible, provide you with referrals and information to assist in obtaining replacement for lost or stolen travel documents, passports, travel tickets, etc.

Emergency Prescription Refill Assistance
The assistance provider will assist you, whenever possible, in obtaining a replacement of an existing prescription when your medication has been lost, stolen, or if you are in need of a refill. The prescription will be refilled by a licensed pharmacist or other authorized personnel in the country in which you are traveling. It will be replaced with the same brand of medication prescribed in the U.S., or the equivalent in the country in which you are traveling. The refill may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician. Replacement medication and visit to a local physician will be at your expense.

Who is Eligible For Coverage
A person who takes a Trip, who pays the required premium, and is a resident of the United States.

When Coverage Begins
All coverage's (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of:

1. the date and time you start your Trip; or
2. 12:01 A.M. Standard Time on the Scheduled Departure Date of your Trip.

Pre-Departure Trip Cancellation coverage will take effect 24 hours prior to your scheduled cruise, tour or cruise/tour departure time. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date of your Trip.

When Coverage Ends
All coverage ends on the earlier of:

1. on the date this Policy ends;
2. the date the Trip is completed;
3. the Scheduled Return Date;
4. your arrival at the return destination on a round trip, or the destination on a one-way trip; or
5. cancellation of the Trip covered by this Policy.

All coverage's under the Policy will be extended if your entire Covered Trip is covered by the Policy and your return is delayed by unavoidable circumstances beyond your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date you reach your originally scheduled return destination or seven (7) days after the Scheduled Return Date.

SUMMARY OF COVERAGES

TRIP CANCELLATION / INTERRUPTION
We will pay this benefit up to the amount on the Schedule of Coverages if a Trip is canceled or interrupted due to:

1. Sickness, Injury, or Covered Death of you, a Family Member, or Traveling Companion; or
2. Other Covered Events as defined in this Policy.

Injury or Sickness must: 1) for Pre-Departure Trip Cancellation, commence while this policy is in force for you, or for Post-Departure Trip Interruption or Delay, commence while on your Trip; 2) require the care and attendance of a Physician at the time of occurrence; and 3) in the written opinion of the treating Physician, be so disabling as to cause a Trip to be canceled, interrupted or delayed.

Please refer to the Policy Definitions for an explanation of Pre-Existing Conditions which are excluded under the Trip Cancellation / Interruption Coverage. We will waive this exclusion for Pre-Existing Conditions if the payment for this plan is received within 1 day of the initial Trip deposit for your Trip; the amount of trip cancellation coverage purchased at that time equals the full cost of the Trip, the cost of any subsequent arrangements added to your Trip cost must be insured at that time, and the booking for this Trip was the first and only booking for this travel period and destination.

BENEFITS: Pre-Departure Cancellation
We will reimburse you for the amount of forfeited, non-refundable payments or deposits for your Trip if your Trip is canceled, or HAL will pay additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's Trip is canceled and your Trip is not canceled.

BENEFITS: Post-Departure Interruption
We will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, plus one of the following:

(1) the additional transportation expenses incurred by you if your Trip is interrupted, either: (a) to the return destination; or (b) from the place that you left the Trip to the place that you may rejoin the Trip; or

(2) the additional transportation expenses incurred by you to reach the original trip destination if you are delayed and leave after the Scheduled Departure Date; or

(3) your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's Trip is interrupted, and your Trip is continued.

However, the benefit payable under (1) and (2) above will not exceed the cost of economy airfare (or first class, if your original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.

TRIP DELAY
We will pay for reasonable accommodation and traveling expenses until travel becomes possible up to $100 per day, to a maximum of $1,000, if your Trip is delayed for more than 12 hours.

Trip Delay must be caused by: Common Carrier delay; or lost or stolen passports, travel documents, or money; or quarantine; or natural disaster; or Injury or Sickness of you, a Family Member traveling with you, or a Traveling Companion; or Covered Death of a Family Member traveling with you or a Traveling Companion; or a documented traffic accident while you are en route to departure; or unannounced strike.

MEDICAL OR DENTAL EXPENSE / EMERGENCY ASSISTANCE
We will pay this benefit, up to the amount on the Schedule of Coverages, for the following Covered Expenses incurred by you, subject to the following:

(1) Covered Expenses will only be payable at the Usual and Customary level of payment;

(2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Trip; and

(3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in force for you.

We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Covered Expenses:

(1) expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services and supplies, incurred by you within one year from the date of your Sickness or Injury;

(2) expenses for emergency dental treatment incurred by you during a Trip;

(3) expenses incurred for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the prior approval of the Program Medical Advisors;

(4) expenses incurred for medical evacuation, including medically appropriate transportation and medical care en route to a Hospital or to your place of residence in the USA, when deemed medically necessary by the attending Physician, subject to the prior approval of the Program Medical Advisors;

(5) expenses for transportation, not to exceed the cost of one round-trip economy class air fare, to the place of hospitalization for one person chosen by you, provided you are traveling alone and are hospitalized for more than 10 days;

(6) expenses for transportation, not to exceed the cost of one-way economy class air fare to your place of residence in the USA, including escort expenses, when an Insured who is 18 years of age or younger is left unattended due to the death or hospitalization of an accompanying adult(s), subject to the prior approval of the Program Medical Advisors;

(7) expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your place of residence in the USA, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in this Policy;

(8) expenses for preparation and air transportation of your remains to your place of residence in the USA, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the USA.

POLICY DEFINITIONS

'Common Carrier' means any land, water, or air conveyance operated under a license for the transportation of passengers for hire, not including taxi cabs, or rented, leased, or privately owned motor vehicles.

'Covered Death' means your death or the death of a Family Member or Traveling Companion or which is the direct result of a Sickness or Injury as defined in this policy.

'Elective Treatment' means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by HAL to be research or experimental or that is not recognized as a generally accepted medical practice.

'Family Member' means your or your Traveling Companion's spouse, child, spouse's child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, guardian, or ward.

'Hospital' means an institution which meets all of the following requirements: it must be operated according to law; it must give 24-hour medical care, diagnosis, and treatment to the sick or injured on an inpatient basis for which a charge is made; it must provide diagnostic and surgical facilities supervised by Physicians; registered nurses must be on 24-hour call or duty; the care must be given either on the hospital's premises or in facilities available to the hospital on a pre-arranged basis. A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward other section of a hospital used for such purposes).

'Injury' means bodily injury caused by an accident which 1) occurs while your coverage is in force under this policy and 2) requires examination and treatment by a Physician. The injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

'Insured' means a person who takes a Trip, completes any required enrollment form, and pays any required premium. The words 'you', 'your' or 'yours' mean the Insured.

'Other Covered Events' means only the following unforeseeable events or their consequences which occur while coverage is in force under this policy:

(1) Air Carrier delays resulting from bad weather, mechanical breakdown or organized labor strikes that affect public transportation;

(2) arrangements canceled by an airline, cruise line, or tour operator, resulting from inclement weather, mechanical breakdown, or organized labor strikes that affect public transportation;

Items #1 and #2 above, are subject to the following conditions:

(a) the scheduled carrier connecting times must be 45 minutes or longer; and
(b) the scheduled time between arrival at the scheduled tour or cruise departure city and the scheduled tour or cruise departure must be 2 hours or longer.

(3) a change in plans by you, a Family Member traveling with you, or Traveling Companion, resulting from one of the following events:

(a) being directly involved in a documented traffic accident while en route to departure;

(b) being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, a Family Member traveling with you or a Traveling Companion is not 1) a party to the legal action, or 2) appearing as a law enforcement officer;

(c) having a residence made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

(d) being called into active military service to provide aid or relief in the event of a natural disaster;

(e) a documented theft of passports or visas;

(f) a Terrorist Act (or acts) which occurs in Your departure city or in a city which is a scheduled destination for Your Trip, provided: the Terrorist Act (or acts) occurs within 30 days of the Scheduled Departure Date for Your Trip.

(g) A covered Trip Delay which results in the loss of more than 50 percent of your scheduled Trip length.

'Other Valid and Collectible Group Insurance' means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the Usual and Customary value of each service will be considered a Covered Expense.

'Physician' means a person licensed as a medical doctor by the jurisdiction in which he is resident to practice the healing arts. He must be practicing within the scope of his license for the service or treatment given and may not be you, a Traveling Companion or a Family Member.

'Pre-Existing Condition' means an illness, disease, or other condition during the 180 day period immediately prior to your effective date for which you or your Traveling Companion or Family Member: (1) received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or (2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a 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 180 day period before coverage is effective under this Policy.

'Program Medical Advisors' means individuals appointed by CSA Travel Protection.

'Scheduled Departure Date' means the date on which you are originally scheduled to leave on your Trip.

'Scheduled Return Date' means that date on which you are originally scheduled to return to the point where the Trip started or to a different final destination.

'Sickness' means an illness or disease of the body which: requires examination and treatment by a Physician.

'Terrorist Act' means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

'Traveling Companion' means a person whose name appears with yours on the same Trip arrangement and who, during the Trip, will share accommodations with you in the same room, cabin, condominium unit, apartment unit or other lodging.

'Trip' means a scheduled trip for which coverage is elected and premium paid, and all travel arrangements are arranged prior to the Scheduled Departure Date of the Trip.

'Usual and Customary' means the usual charge made by a provider for necessary medical services, treatment or supplies. It may not exceed the general level of charges for similar necessary services, treatment or supplies made by other providers in the area where the service or treatment is given or the supply bought.

Policy Exclusions

The following exclusion applies to the Medical or Dental Expense/Emergency Assistance, Trip Cancellation/Interruption, and Trip Delay coverage's:

(1) We will not pay for loss or expense incurred as the result of a Pre-Existing Condition, as defined, including death that results there from. This exclusion does not apply to benefits for Covered Expenses item #3 (emergency medical evacuation) or item #8 (return of remains) of the Medical or Dental Expense/Emergency Assistance Benefits coverage. We will waive this exclusion for Pre-Existing Conditions if the payment for this plan is received within 1 day of the initial Trip deposit for your Trip; the amount of trip cancellation coverage purchased at that time equals the full cost of the Trip, the cost of any subsequent arrangements added to your Trip cost must be insured at that time, and the booking for this Trip was the first and only booking for this travel period and destination.

The following exclusions apply to all Coverages:

(2) This policy does not cover loss caused by, or resulting from:

a) suicide, attempted suicide, or intentionally self-inflicted injury of you, a Traveling Companion or Family Member booked to travel with you, while sane or insane (sane in CO and MO);

b) mental, nervous or psychological disorders;

c) being under the influence of drugs or intoxicants unless prescribed by a Physician;

d) normal pregnancy or resulting childbirth;

e) participation as a professional in athletics;

f) mountain climbing or bungee cord jumping;

g) riding or driving in any motor competition;

h) declared or undeclared war, or any act of war;

i) civil disorder;

j) service in the armed forces of any country;

k) nuclear reaction, radiation or radioactive contamination;

l) operating or learning to operate any aircraft, as pilot or crew;

m) parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company;

n) any unlawful acts, committed by you or a Traveling Companion (whether insured or not);

o) any amount paid or payable under any Worker's Compensation, Disability Benefit or similar law;

p) loss or damage caused by detention, confiscation or destruction by customs;

q) Elective Treatment, or medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;

r) a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when this policy is not in force for you.

Important Note: Exclusion 2, Item r. above, applies to you, a Family Member or Traveling Companion.

Travel Insurance is underwritten by:
Monumental General Casualty Company (all states except as otherwise noted) under Policy Form # TAHC2000GPC; Certificate #TAHC2000GCC

Stonebridge Casualty Insurance Company (AL, AZ, CO, DE, ID, MN, NJ, NM, NY, ND, PA, and VT) under Policy Form # TAHC5000GPS, Certificate # TAHC5000GCS.

Where To Present A Claim

All claims should be presented to the Program Administrator:

CSA Travel Protection
P. O. Box 939057
San Diego, CA 92193-9057
1-800-858-5462 (Toll Free)

Please do not use the above address or telephone numbers for amounts that you may be owed under the CPP Standard Plan. Instead, please contact your travel agent or Company.

Claims Procedures
To facilitate prompt claims settlement:

(1) Report any claim as soon as possible.
(2) Report claims directly to the Program Administrator.
(3) Upon your report of a claim, you will receive a claim form, which should be fully completed and returned along with any documentation, as explained below.

Medical or Dental Expenses/Emergency Assistance: Obtain receipts from the treating Physicians, etc., stating the amounts paid and listing the diagnosis and treatment; submit these first to any other valid and collectible group insurance plan(s). Forward a copy of their final disposition of your claim to the Program Administrator.

Trip Cancellation/Interruption: Obtain medical statements from the Physicians in attendance in the country where Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Provide all unused and/or additional transportation tickets, official receipts, etc.

After 9/1/2009 this is the Travel Policy

Cancellation Policy and Cancellation Protection Plans

Holland America Line offer passengers the opportunity to purchase either Standard Cancellation Protection Plan (CPP Standard) or the Platinum Cancellation Protection Plan (CPP Platinum Plan). Both of these plans are optional and must be paid for at time of deposit. Payments are not refundable. The CPP Platinum Plan is only available for U.S. and Canadian residents.

Please refer to your cruise or cruisetour confirmation for verification of whether you purchased either of these plans. The remaining text on this cover panel only applies if you purchased the CPP Platinum Plan.

POLICY NUMBER: HTP04195

Name_______________________________ Booking # __________________

This program is effective when the appropriate plan cost has been received by Holland America Line. This document then becomes your Certificate of Insurance and Description of Services.

Important: If you purchased the CPP Platinum Plan, keep this document and carry a copy with you when you travel. If you need to cancel your trip, contact your travel agent or Holland America Line immediately to cancel your reservation.

This Plan is administered by BerkelyCare, a division of Affinity Insurance Services, Inc., in all states except: AIS Affinity Insurance Agency, Inc. in CA/MN/OK; and AIS Affinity Insurance Agency in NH and NY.

CANCELLATIONS POLICY

Holland America Line's Cancellation Policy for the cruise or cruisetour you have selected is described in the applicable cruise line brochure. In most cases, this policy permits a full refund of the amounts received by Holland America Line (except for amounts you paid for the CPP Standard Plan or CPP Platinum Plan) if written cancellation is received by Holland America Line at least 76 days prior to the date you are to commence travel by any mode of transportation (air, rail, sea or otherwise) booked through Holland America Line. Longer notice is required for certain cruises or cruisetours. In most cases, a partial refund will be provided for later cancellations up to a certain number of days prior to commencing travel, after which no refund will be made. The brochure specifies the exact cancellation deadlines and refund amounts.

Cancellation fees apply regardless of the reason for cancellation, including medical and family matters. Given that the resale of cancelled space will likely result in a lost opportunity to sell other space, cancellation fees are due regardless of resale.

To be effective, written cancellation must be actually received by Holland America Line's Seattle, Washington office prior to the applicable deadline. The address to use is: Reservations Control, Holland America Line Inc., 300 Elliott Avenue West, Seattle, WA 98119. Cancellations may also be faxed to 1-800-628-4855; please retain your fax confirmation.

Refunds will be processed on the basis of the net payment actually received and retained by Holland America Line from your travel agent, excluding the amount paid for the CPP Standard Plan or CPP Platinum Plan. This exclusion applies even if cancellation occurs at a time when no cancellation fee would otherwise be payable. The net payment received and retained by Holland America Line would not include any amounts kept by, or paid to, the travel agent as commission, or amounts otherwise not paid by the travel agent to Holland America Line. Refunds will normally be made to your travel agent. Travel agents may impose their own cancellation fees. You are responsible for obtaining from your travel agent monies either retained by your travel agent or received by your travel agent from Holland America Line.

Airplane tickets issued by Holland America Line must be returned before the fare will be refunded. Cruise and cruisetour contracts are non-transferable. Name changes (if allowed) and departure date changes are considered cancellations and are subject to cancellation fees.

CANCELLATION PROTECTION PLANS

Holland America Line offer passengers the opportunity to purchase either Standard Cancellation Protection Plan (CPP Standard) or the Platinum Cancellation Protection Plan (CPP Platinum Plan). Both of these plans are optional and must be paid for at time of deposit. Payments are not refundable. The CPP Platinum Plan is only available for U.S. and Canadian residents.

CPP STANDARD PLAN: Our CPP Standard Plan allows you, for any reason, to provide written cancellation up to 24 hours prior to scheduled cruise or cruisetour departure and receive a cash refund equal to 80 percent of the eligible amounts paid (90 percent if you purchased HAL's CPP Platinum Plan). In addition, Holland America Line automatically assumes an additional $500 of liability for lost, damaged or delayed baggage of passengers who purchase the CPP Standard Plan still subject, however, to the limitations in HAL's baggage policies. For example, HAL does not cover losses while baggage is in the custody of airlines. Our baggage policies are explained in detail in HAL's brochure and Cruise and Cruisetour Contract.

The CPP Standard Plan is not insurance; it provides no rights other than those explained above. For example, it does not protect double-triple-quad occupancy rates should one or more members of your party cancel nor does it cover expenses or unused services due to trip interruption.

CPP PLATINUM PLAN: Our CPP Platinum Plan enables you to supplement the CPP Standard Plan with insurance coverage underwritten by Virginia Surety Company, Inc. under Policy Number HTP04195. The CPP Platinum Plan also includes various travel assistance services arranged by BerkelyCare. Neither BerkelyCare nor the insurers are affiliated with Holland America Line. The specific coverage and services available under the CPP Platinum Plan are specified in the following Plan Description - Schedule of Benefits and Services.

PLAN DESCRIPTION - SCHEDULE OF BENEFITS AND SERVICES

CPP PLATINUM PLAN
Policy Number HTP04195

Per Guest Maximum, Up to:
PART A: TRAVEL ARRANGEMENT PROTECTION
Trip Cancellation prior to departure	························································	90 percent of Total Cruise/Cruisetour Cost
Trip Interruption	····························	150 percent of Total Cruise/Cruisetour Cost
Trip Delay	····························	Up to $500

PART B: MEDICAL PROTECTION
Emergency Evacuation and Repatriation of Remains	····························	$50,000
Medical and Dental Expense	·············	$10,000

PART C: WORLDWIDE EMERGENCY ASSISTANCE (On Call International)
Emergency Traveler's Assistance	············	24 Hours
Medical Consultation and Monitoring	············	24 Hours
Emergency Legal Assistance	············	24 Hours
Emergency Medical and Dental Assistance	············	24 Hours
Lost Travel Documents Assistance	············	24 Hours
Emergency Medical Payment Assistance	············	24 Hours

The benefits provided in this Plan are subject to certain restrictions and exclusions. Please read this brochure in its entirety for a complete description of all terms and conditions.

PART A: TRAVEL ARRANGEMENT PROTECTION

Trip Cancellation
In the event You are prevented from taking Your Cruise/Cruisetour and must cancel prior to Your Cruise/Cruisetour, the Insurer will pay benefits, up to the amount listed in the schedule for non-refundable cancellation charges imposed by Holland America Line 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 Traveling Companion cancels his/her Cruise/Cruisetour for a covered reason and You do not cancel. The maximum payment from the Insurer for Trip Cancellation is 90 percent of the amount You actually paid for Your Cruise/Cruisetour.

Trip Delay
If You have a covered Trip Delay, the Insurer will pay benefits for Covered Expenses, up to $500. Trip Delay means that your Cruise/Cruisetour is delayed 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; quarantine; hijacking; natural disaster including hurricane; 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.

Trip Interruption
In the event Your Cruise/Cruisetour is interrupted because You are prevented from continuing Your participation in Your Cruise/Cruisetour, because:

(a) You or Your Traveling Companion suffers a death or an Injury or Sickness which results in medically imposed restrictions, as certified by a Physician, at the time of loss preventing Your participation or continued participation in the covered Cruise/Cruisetour, or a non-traveling Immediate Family member suffers an Injury, Sickness, or death; or

(b) a Terrorist Act (or acts) occurs in a city which is still a scheduled destination for Your Cruise/Cruisetour, provided: the Terrorist Act (or acts) occurs within 30 days of the scheduled departure date for Your Cruise/Cruisetour or during Your Cruise/Cruisetour; or

(c) You or Your Traveling Companion (i) is hijacked or quarantined, (ii) has a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; (iii) has a documented theft of passports or visas.

The Insurer will pay benefits, up to the amount listed in the schedule for unused, non-refundable land or sea expenses prepaid to Holland America Line (determined, as to Your Cruise/Cruisetour fare, on a pro rata basis with reference to the remaining days of Your Cruise/Cruisetour relative to the total scheduled days) 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 destination to the point of origin shown on the original travel tickets). The Insurer will also pay benefits, up to $100 per day, for reasonable additional accommodations and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your Cruise/Cruisetour. Important: Any Sickness or Injury causing You to interrupt Your Cruise/Cruisetour must be verified by a Physician before You terminate the Cruise/Cruisetour. The maximum payment from the Insurer for Trip Interruption is 150 percent of the amount You actually paid for Your Cruise/Cruisetour.

Special Conditions: You must advise Your travel agent, Holland America Line 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.

IMPORTANT: You must be medically capable of travel on the day You purchase this plan. The event which necessitated the trip interruption must first occur after Your effective date of Trip Interruption coverage.

PART B: MEDICAL PROTECTION

Emergency Evacuation and Repatriation of Remains

The Insurer will pay benefits for Covered Expenses if an Injury or Sickness commencing during the course of the Cruise/Cruisetour 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 Evacuations must be verified, approved, and arranged in advance by On Call International. The Insurer will also pay the reasonable Covered Expenses incurred, to return Your body to Your point of origin if You die during the Cruise/Cruisetour. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Cruise/Cruisetour.

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, up to $50,000, 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 On Call International.

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.

Additional Covered Expenses: If You are hospitalized for more than seven (7) days following a covered Emergency Evacuation, the Insurer will pay: (a) to return Your accompanying dependent children under 25 to their home, limited to the cost of one-way economy airfare, less the value of applied credit from an unused return travel ticket, with an attendant if necessary; and/or (b) up to the cost of round-trip economy airfare to bring a person chosen by You to and from Your bedside if You are traveling alone. These expenses must be authorized in advance by On Call International.

The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Cruise/Cruisetour.

PLEASE NOTE: In no event will Covered Expenses for Emergency Evacuation and Repatriation of Remains exceed $50,000.

Medical and Dental Expense
The Insurer will pay benefits, up to $10,000, if You incur necessary Covered Medical and Dental Expenses as a result of an Injury or Sickness. The accident causing such Injury must occur during Your Cruise/Cruisetour. Similarly, the Sickness must first manifest itself during Your Cruise/Cruisetour. Only dental expenses for emergency treatment incurred during Your Cruise/Cruisetour are covered.

Covered Medical and Dental Expenses are necessary services and supplies which are recommended by the attending Physician and are received during Your Cruise/Cruisetour or, if you leave the Cruise/Cruisetour because of the Injury or Sickness, are received before you return home. 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 COVERAGE 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

PART C: WORLDWIDE EMERGENCY ASSISTANCE (On Call International)

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

Emergency Cash Transfer Assistance
If You need emergency cash during Your Cruise/Cruisetour, On Call 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 Cruise/Cruisetour, On Call 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 Cruise/Cruisetour, You may visit many foreign countries. Should any problems arise requiring legal assistance, On Call 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 in unfamiliar surroundings when You suddenly need medical or dental care. On Call 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
On Call'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 On Call to help You 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 Virginia Surety Company, Inc., BerkelyCare, or On Call International 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.

DEFINITIONS

1.'Business Partner' - means an individual who is: (a) involved with You in a legal partnership; and (b) actively involved in the day-to-day management of the business.

2.'Common Carrier' - means an air, land, or sea conveyance operating under a valid license for the transportation of passengers for hire.

3.'Cruise/Cruisetour' - means prepaid Sea/Land Arrangements and shall include flight connections to join and depart such Sea/Land Arrangements.

4.'Domestic Partner' - means a person with whom You reside and can show evidence of cohabitation for at least the previous six months and have an affidavit of domestic partnership, if recognized by the jurisdiction within which You reside.

5.'Immediate Family' - means children, step- or adopted children, children-in-law, parents, step-parents, parents-in-law, siblings, step-siblings, siblings-in-law, grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces, nephews, cousins, Business Partner, or a Domestic Partner of You or Your Traveling Companion.

6.'Injury' - means bodily injury caused by an accident occurring while this plan is in force and resulting directly and independently of all other causes in loss covered by this plan. The Injury must be verified by a Physician.

7.'Insurer'- means Virginia Surety Company, Inc.

8.'Physician' - means a licensed practitioner of medical, surgical, or dental services acting within the scope of his/her license. The treating Physician may not be yourself, a Traveling Companion, or an Immediate Family member.

9.'Sea/Land Arrangements' - means land and/or sea arrangements made by Holland America Line.

10.'Sickness' - means an illness or disease which is diagnosed or treated by a Physician after the effective date of coverage and while You are covered under this plan.

11.'Terrorist Act' - means an act of violence, other than civil disorder or riot (that is not an act of war, declared or undeclared), that results in loss of life or major damage to property, by any person acting on behalf of, or in connection with, any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

12.'Traveling Companion' - means one person who is booked to share accommodations with You on Your Cruise/Cruisetour.

13.'You'or 'Your'- means a person who has purchased a Cruise/Cruisetour and who has paid the required plan cost for the benefits and coverage's provided hereunder.

EXCLUSIONS

Naturally, as with any protection plan, limitations exist. These exclusions enable HAL to provide a broad range of benefits at an economical cost to You, without the necessity of medical questionnaires, and to supplement Your existing insurance plans.

THIS PROTECTION PLAN DOES NOT COVER:

IN PARTS A and B:

ANY LOSS CAUSED BY OR RESULTING FROM: Sickness or disease except as provided for in the policy; war or any act of war whether declared or not; while serving as a member of the armed services; while or as a result of riding in any device for aerial navigation other than as provided for in the policy; participation in any professional, semi-professional, or inter-scholastic team sports; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt thereat; scuba diving, unless it is recreational diving at less than 130 feet in depth; skydiving; hang gliding; parachuting (not including parasailing); contests of speed; elective surgery; non-emergency dental treatment or surgery; elective abortion; normal pregnancy except if hospitalized; mental or nervous disorders except if hospitalized.

TERM OF PROTECTION

1) This protection is valid only upon payment to Holland America Line of the total required plan cost in advance of any losses and will not cover any losses suffered prior to purchase.

2) The Trip Cancellation protection provided under Part A takes effect upon receipt of the required plan cost by Holland America Line and ends upon the commencement of Your Sea/Land Arrangements.

3) The remaining coverage's and services provided take effect at 12:01 A.M. local time at Your location on the contracted departure date of Your Sea/Land Arrangements and terminate on the earlier of the following: (a) Your return to Your origination point (as specified in the travel tickets); or (b) 11:59 P.M. local time at Your location on the day the Sea/Land Arrangements are scheduled to be completed; or (c) the date You cancel Your Cruise/Cruisetour.

4) The duration of coverage shall be extended under the following conditions: (a) when You commence air travel from Your origination point (i) within 2 days before the commencement of the Sea/Land Arrangements, coverage shall apply from the time of departure from the origination point; (ii) greater than 2 days before the commencement of the Sea/Land Arrangements, the extension coverage shall be provided only on the day of Your air travel; and (b) if You return to Your origination point (i) within 2 days after the completion of the Sea/Land Arrangements, coverage shall apply until the time of return to the origination point; (ii) greater than 2 days after the completion of the Sea/Land Arrangements, the extension coverage shall be provided only on the day of Your air travel.

WHERE TO REPORT CLAIMS
POLICY NO. HTP04195

1) TRIP CANCELLATION CLAIMS: Call Your travel agent, Holland America Line and BerkelyCare IMMEDIATELY to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.

2) EMERGENCIES ARISING DURING YOUR CRUISE/CRUISETOUR: For covered emergencies requiring evacuation or interruption of Your Cruise/Cruisetour, contact On Call International immediately at the following numbers.

* If You have any difficulty making this collect call, contact the local phone operator to connect You to a U.S.-based, long-distance service. In this case, please let the Assistance Provider answering the phone know the number You are calling from, so that he/she may call You back. Any charges for the call will be considered reimbursable benefits.

3) CLAIMS NOTIFICATION UPON YOUR RETURN: Report Your claim as soon as possible to BerkelyCare. Provide the policy number above, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, BerkelyCare will promptly forward You the appropriate form to complete.

BerkelyCare	1-(800) 453-4047
300 Jericho Quadrangle	1-(516) 294-0220
P.O. Box 9022	Office Hours:	8AM - 9PM (EST), Monday - Friday
Jericho, NY 11753		9AM - 5PM (EST), Saturday

IMPORTANT: In order to facilitate prompt claims settlement upon Your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the accident or Sickness occurred; receipts for medical services and supplies; receipts from the hospital. In the event of a trip delay claim, receipts for any additional covered/eligible expenses will be required, as well as verification of any delay.

This program was designed for the guests of Holland America Line by:

This plan was designed and is administered by BerkelyCare, a division of Affinity Insurance Services, Inc., in all states except: AIS Affinity Insurance Agency, Inc. in CA/MN/OK; and AIS Affinity Insurance Agency in NH and NY. Claims are administered by BerkelyCare, a division of Affinity Insurance Services, Inc., in all states except: Aon Direct Insurance Administrators in CA; AIS Affinity Insurance Agency, Inc. in OK; and AIS Affinity Insurance Agency in NH and NY. CA License #0795465.

More Information on Holland America Cruises

Even the best-planned travel can be impacted by the unexpected illness, medical emergencies, severe weather, delayed flights, lost passports or luggage, etc. Troubles can occur when you least anticipate them, forcing you to cancel or interrupt your trip, lose your vacation investment, and incur unplanned expenses. And when you’re away from home, things like medical emergencies and illness are even more difficult to manage. CSA Travel Protection plans provide important insurance coverage, benefits and 24-hour emergency assistance services to take care of you while traveling and protect your hard-earned investment. We anticipate the unexpected so you don’t have to. * Please note: Benefits and services are described on a general basis. Certain restrictions, exclusions, and limitations apply to all coverages and services. Please contact CSA Travel Protection for a sample certificate/policy. This plan applies to only those arrangements booked directly through MSC Cruises.

INSURANCE COVERAGES:
Trip Cancellation & Trip Interruption
Provides reimbursement for unused, non-refundable pre-paid expenses if you are prevented from taking your trip due to a covered reason. Trip Interruption also provides reimbursement for additional transportation costs if your trip is interrupted or your arrival on your trip is delayed due to a covered reason. Trip Delay Provides for reasonable expenses incurred such as accommodations, meals, and local transportation if you are delayed 12 hours or more during your trip due to a covered reason.

Baggage Delay
Provides reimbursement for the emergency purchase of necessary personal effects if your baggage is delayed for more than 24 hours during your trip. Baggage & Personal Effects Provides reimbursement for baggage or other personal effects that are lost, damaged or stolen while on your trip.

Accident and Sickness Medical Expense
Provides coverage for the necessary medical, surgical and emergency dental care costs if you become sick or accidentally injured while on a trip.

Emergency Medical Transportation
If you become sick or injured on a trip, Emergency Medical Transportation will provide benefits such as: arrange transportation to the nearest suitable medical facility; help the guest return Home, if medically necessary; provide round-trip economy air fare for a companion to visit if you are traveling alone and hospitalized for more than 7 days.

Air Flight Accident
Provides coverage for loss of limb or life in the event of an accident while traveling as a ticketed passenger on a certified passenger aircraft.

More Information on MSC Cruises

This plan protects you in these important ways:

Trip Cancellation, Trip Interruption, and Trip Delay Protection
Insurance coverage in the event unforeseen medical conditions or other covered causes disrupt your travel plans, causing you to cancel, interrupt, or delay your trip. Enhanced Cancellation Protection in the event you are forced to cancel for a non-covered reason (please read through the plan for additional details about NCL's cruise credit offer).

Baggage Loss and Baggage Delay Protection
Higher limits to protect you from the airport, to the pier, to the shore.

Medical Protection and Emergency Evacuation
Including important supplemental coverage to Medicare or your HMO/PPO that may not cover participants who are traveling outside the United States.

Worldwide Emergency Assistance
For services ranging from replacement of lost prescription medicine to referrals for local medical providers.

Please take a few minutes to familiarize yourself with the description of coverage's and services provided, along with all of the provisions, limitations, and definitions of the plan.

If you have any questions about our Travel Protection Plan, please call the plan's administrator, BerkelyCare, at 1-(800) 722-5672.
Description of Coverage

Policy No. 1619-9500222

Schedule of Coverage's and Services	Maximum Benefit (per Insured) Up To
Trip Cancellation	Total NCL Vacation Cost
Trip Interruption	Total NCL Vacation Cost
Trip Delay	$500
Enhanced Cancellation Protection Provided by NCL	75% Cruise Credit
Emergency Evacuation	$25,000
Repatriation of Remains	$5,000
Accident Medical Expense	$10,000
Sickness Medical Expense	$10,000
Baggage/Personal Effects	$1,500
Baggage Delay	$750
Emergency Cash Transfer Assistance	24 Hours
Medical Consultation and Monitoring	24 Hours
Emergency Legal Assistance	24 Hours
Emergency Medical and Dental Assistance	24 Hours
Lost Travel Documents Assistance	24 Hours
Emergency Medical Payment Assistance	24 Hours

Additional Benefits for Passengers who upgrade to Platinum Travel

Protection Plan	Platinum Travel Protection	Maximum Benefits (per person)
Emergency Evacuation	adds $25,000	up to $50,000
Repatriation of Remains	adds $5,000	up to $10,000
Accident Medical Expense	adds $10,000	up to $20,000
Sickness Medical Expense	adds $10,000	up to $20,000
Baggage/Personal Effects	adds $1,500	up to $3,000
Enhanced Cancellation Protection Provided by NCL		90% Cruise Credit

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.

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.

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).

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.

More Information on Norwegian Cruises

We strongly recommend that all guests purchase comprehensive Trip Cancellation/Interruption Insurance to cover the full purchase price of the cruise as well as air and/or land program costs. Your travel agent can provide additional information about Oceania Cruises' insurance program, which has been specially designed and economically priced exclusively for Oceania's guests.

More Information on Oceania Cruises

PGC wants to ensure that your PGC vacation is not only exceptional, but also worry-free. That's why PGC makes the Guest Protection Program ProgramPro available to our Guests. It is the easy and affordable way to protect your vacation investment should you need to cancel your trip and to protect yourself against unexpected occurrences and expenses while travelling. It allows you peace of mind while you travel with PGC. Complete details on terms and conditions are fully presented in the Description of Coverage insert included with PGC invoices.

More Information on Paul Gauguin Cruises

A Princess Vacation Protection Plan

We strongly recommend the purchase of a vacation protection program. For your convenience, Princess offers Princess Vacation Protection (formerly Princess Travel Care) as well as enhanced coverage - Princess Travel Care Gold for voyages prior to the Summer of 2009 and Princess Vacation Protection Platinum commencing with Summer 2009 cruises. These plans provide what is perhaps the most attractive combination of protection and flexibility available in cruising today.

Princess Vacation Protection includes Trip Cancellation and Interruption Protection, which provides up to full reimbursement for the otherwise non-refundable cancellation fees if you must cancel or curtail your trip due to eligible medical conditions or other specified causes affecting you, your immediate family members or your traveling companions.

Princess' vacation protection programs offer unique flexibility that many other programs lack. If you have to cancel your cruise for an ineligible reason - any reason at all - you'll receive from Princess Cruises a future cruise credit equal to 75% of the normally otherwise non-refundable cancellation fees.

If you plan to sail with Princess prior to the summer of 2009, you can elect to upgrade to Princess Travel Care Gold for an additional $50. Doing so increases the credit value to 90%.

Starting with voyages departing in summer 2009, Princess is pleased to introduce Princess Platinum Vacation Protection for an additional 4% of cruise fare (12% of cruise fare). Our Platinum Plan provides a future cruise credit value of 100% of the normally non-refundable charges if you must cancel for a reason that is not eligible for 100% cash reimbursement.

And, upgrading to Princess' new Platinum Vacation Protection plan (or Travel Care Gold for voyages prior to the summer of 2009) will also double coverage for medical expenses, lost baggage and emergency medical evacuation.

For those passengers who have purchased Princess Vacation Protection, please refer to the Plan Description that is enclosed in your pre-cruise package for more information or contact the Princess Vacation Protection desk at BerkelyCare the independent administrator of Princess Vacation Protection at 877-846-8833.The insurance portion of Princess Vacation Protection is underwritten by Virginia Surety Company, Inc. (Policy Number HTP04192)

Special note: Princess Vacation Protection must be purchased before or at time of final payment.

More Information on Princess Cruises

We highly recommend adequate personal and baggage insurance and trip cancellation insurance for all Guests. All trip cancellation policies will be strictly enforced. Applications for insurance are provided upon request.

More Information on Regent Cruises

Cruise Vacation Protection
With the CruiseCare Cancellation Penalty Waiver, if your plans go awry and you cancel - or interrupt - your cruise vacation (for specified reasons), Royal Caribbean and Celebrity Cruises will waive the non-refundable cancellation provision of your cruise ticket contract and pay you IN CASH the value of the unused portion of your prepaid cruise vacation.

In addition, should you or your traveling companion need to cancel for 'any other reason', you may be eligible for CRUISE CREDITS - up to 75% of the non-refundable, prepaid cruise vacation cost.

Guests must cancel their cruise prior to departure and must request a refund through the program administrator to be eligible for cash reimbursement or future cruise credits, as applicable. Credits expire one year after the issue date, are nontransferable, and are not applicable to holiday or inaugural sailings. Credits have no cash value and, if applied to a reservation of lesser value, will not result a cash refund of any difference. Credits may not be used for deposits, only final payment, and can be used only on the cruise brand originally reserved. Only original copies of credit letters will be accepted; copies or altered letters may not be used.

Brought to you by Royal Caribbean International.

*For NY residents, the CruiseCare Cancellation Penalty Waiver program is underwritten by Stonebridge Casualty Insurance Company. NEW!! SIMPLIFIED PRICING - SAME GREAT COVERAGE!!

Cruise Cost	Cruise Care
$0 USD - $500 USD	$29 USD
$501 USD - $1000 USD	$59 USD
$1001 USD - $1500 USD	$89 USD
$1501 USD - $2000 USD	$119 USD
$2001 USD - $2500 USD	$159 USD
$2501 USD - $3000 USD	$189 USD
$3001 USD - $3500 USD	$229 USD
$3501 USD - $4000 USD	$259 USD
$4001 USD - $4500 USD	$299 USD
$4501 USD - $5000 USD	$329 USD

Prices subject to change.
For cruise costs greater than $5000 per person, CruiseCare prices begin at $369 per person.

Note: The plan cost is fully refundable if you are canceling outside of Royal Caribbean International's published penalty period. Prices are subject to change without notice. The plan cost may be paid at any time from deposit up to and including final payment; however, the CruiseCare Cancellation and Interruption Penalty Waiver takes effect only upon payment of the plan cost in addition to any required cruise deposit. Payment of your cruise fare deposit amount without the plan cost will not activate this program. CruiseCare Travel Insurance provides cancellation and interruption protection for independently reserved air, as well as coverages to protect you during your covered Trip, as follows:

Trip Cancellation for Independently Booked Air up to Total Original Airfare Cost.
Trip Interruption for Independently Booked Airup to 150% of Total Original Airfare Cost.
Trip Delay up to $500: If you miss the departure of your trip due to carrier-caused delays or other covered reasons, the plan reimburses you for additional accommodations, meals and 'catch-up' transportation expenses.
Baggage Protection: If your baggage or personal property is lost, stolen, or damaged, the plan will cover up to $1,500. If your bags are delayed or misdirected for more than 24 hours, the plan will reimburse you up to $500 for the purchase of necessary personal items.
Medical Expenses up to $10,000: Should you become injured or sick during your vacation, the plan will reimburse you for necessary medical expenses for up to one year from the date of your accident or illness. This coverage is especially important, as Medicare and many private insurance policies generally do not cover you outside of the U.S. or Canada, and many HMOs do not cover you outside their provider area.
Emergency Evacuation up to $25,000: In the event that a covered illness or injury requires air or ground transportation to a specialized facility or to return home, the plan provides for covered medical services and supplies (coordinated by RCCL's 24-hour Assistance provider, to help ensure your safe transport).

Underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio under policy number(s): MZ0911036H0000A or MZ0911008H0000A. CruiseCare Worldwide Emergency Assistance provides 24-hour assistance services, including; pre-trip health, safety and weather information; assistance with travel changes; lost luggage assistance; emergency cash transfer assistance; medical consultation and monitoring; emergency legal assistance; emergency medical and dental assistance; lost travel document assistance; and emergency medical payment assistance.
Provided by On Call International.

While this is not a complete description - a full plan description detailing the terms, conditions and exclusions will be sent to you - RCCL have highlighted just a few of the plan benefits. If you have any questions, or would like to request a copy of the plan description, please call RCCL plan administrator, BerkelyCare, at 1-800-453-4022 or 516-342-2720. (Please use this number for CruiseCare inquiries only. Reservation details are not available via this phone number.) The CruiseCare Travel Insurance Program is provided in addition to other applicable indemnity or insurance programs, where permitted by law and shall apply only after benefits have been paid.

This program was designed for Royal Caribbean International guests by BerkelyCareSM. IN CALIFORNIA: BerkelyCareSM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465. IN ALL OTHER STATES: BerkelyCareSM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NH and NY.

Carrier and Form Number Information: The CruiseCare Travel Insurance Program is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, CT, HI, NE, NH, PA, TN, and TX ,Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OR, OH, VT, WA, and WY, Policy Form #'s TAHC5100IPS and TAHC5200IPS.

If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA, or WY), your plan is provided on an individual form. You can request a copy of your policy by calling BerkelyCare at 1-800-453-4090

More Information on Royal Caribbean Cruises

We strongly recommend that all guests purchase comprehensive Trip Cancellation/Interruption Insurance for the full purchase price of the cruise as well as air and/or land program costs. Your travel agent can provide additional information about SeabournShield, a program that has been specially designed and economically priced exclusively for Seabourn's guests.

More Information on Seabourn Cruises

Guests may purchase this comprehensive Travel Insurance from Travel Guard. The cost of this program is 8.75% of the total SeaDream invoice.

• Trip cancellation and interruption up to trip cost
• Trip Delay up to US $ 1,000
• Baggage Delay up to US $ 500
• Loss of Baggage and Personal Effects up to US $ 3,000
• Medical Expenses up to US $ 20,000
• Emergency Evacuation / Repatriation of Remains up to US $ 50,000
• Travel Guard® Assistance
• Do you have a pre-existing medical condition? Most travel insurance won't cover you for trip cancellation or interruption for reasons related to a pre-existing condition. Ours does as long as you pay for the plan with your initial deposit.

Also the program now includes coverage for Termination of Employment/Layoff. Termination of Employment means the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, which occurs more than 14 days after an Insured's effective date of coverage, provided that he or she has been an active employee for the same employer for at least 5 years. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons.

This is a brief description of the insurance benefits and travel services provided. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania Insurance Company (NAIC #19445) with its principal place of business at 70 Pine Street, New York, NY 10270, and currently authorized to transact business in all states and the District of Columbia. The Policy will contain reductions, limitations, exclusions and termination provisions. All coverages may not be available in all states.

More Information on SeaDream Yacht Club Cruises

True peace of mind. Now more than ever, discerning travelers want to know that they can trust their travel provider to ensure their comfort and safety and to accommodate their needs in any unforeseen circumstance. Our unique and affordable Reassurance Programme is an any reason cancellation waiver that provides full credit on a future voyage if you have to cancel within the critical 1-90 days prior to sailing, no matter what the reason.

North and South American Guests| International Guests

North and South American Guests

If you cancel your booking for any reason, you will receive a 100 percent Reassurance Cruise Credit*

* Subject to the terms and conditions below

Silversea's Reassurance Programme ensures peace of mind and maximum flexibility when planning your cruise. It can protect you from the penalties and anxieties of cancelling your cruise for any reason within 90 days of departure. Instead of losing 100 percent of the total charges paid for your Silversea cruise holiday (including air, pre- and/or post-cruise hotel programmes and land packages), you will receive a Reassurance Cruise Credit for any and all charges paid, regardless of why you choose to cancel.

The fee for the Reassurance Programme is 3 percent of each guest's Total Holiday Cost when purchased with a travel insurance product that contains trip cancellation benefits. Proof of your travel insurance coverage must be provided at the time of purchase of the Reassurance Programme. When purchased on its own (without travel insurance) the fee for the Reassurance Programme is 8 percent of each guest's Total Holiday Cost. The Total Holiday Cost includes, but is not limited to the cruise fare, any of Silversea's optional travel programmes, and transfers.

Terms and Conditions:

Please note: The Reassurance Programme is separate from Silversea GuestCare which is designed and administered by BerkelyCare^SM. Silversea GuestCare is an optional travel protection programme that includes benefits for trip cancellation and interruption, trip delay, accident and sickness medical expenses, emergency medical evacuation, baggage and personal effects, baggage delay, and traveller's assistance. Certain terms, conditions and exclusions apply - please review the Silversea GuestCare Description of Coverage pamphlet.

International Guests

If you cancel your cruise for any reason, you will receive a 100 percent Reassurance Cruise Credit

Silversea's Reassurance Programme ensures you have peace of mind and the maximum flexibility when planning a cruise. It can protect from the penalties and anxieties of cancelling the cruise for any reason within 90 days of departure. Instead of losing 100 percent of the total charges paid for your Silversea cruise holiday (including air, pre or post cruise hotel programmes and land packages), you will receive a Reassurance Cruise Credit for any and all charges paid, regardless of why you choose to cancel.

The fee for the Reassurance Programme is 8 percent of each guest's total holiday cost. The total holiday cost includes, but is not limited to the cruise fare, any of Silversea's optional travel programmes and transfers. Reassurance is not available for purchase on Grand Pacific Voyages 3907 - 3912 and Grand Inaugural Voyages 5003 - 5009.

Terms and Conditions:

• The optional Reassurance Programme is available on 2009 and 2010 voyages with the exception of Grand Pacific Voyages 3907 - 3912 and Grand Inaugural Voyages 5003 - 5009.
• Optional Reassurance Programme must be added at the time of booking and must be paid for IN FULL at the time of deposit.
• The Reassurance fee is only refundable on bookings cancelled at least 91 days prior to departure.
• Premiums paid for any insurance policy or Reassurance Programme will not be included in the Reassurance Cruise Credit.
• The Reassurance programme can only be used against non-claimable cancellations - reasons that an insurance company will not cover.
• All claims filed with any insurance company will negate the Reassurance Programme 100 percent Reassurance Cruise Credit benefit.
• Cancellation for any reason will only be accepted 1 - 90 days prior to cruise departure. In order to receive the Reassurance Cruise Credit, the booking must be paid in full and cancelled at least 24 hours prior to cruise departure. "No Shows" forfeit the 100 percent Reassurance Cruise Credit. If a Reassurance credit is elected from 90 to 15 days prior to cruise departure the credit will be in the amount of total charges paid regardless of the normal applicable penalty percentage at the time of cancellation (no money will be refunded).
• Standard terms according to the existing cancellation policy remain for any bookings cancelled 91 or more days prior to departure.
• The Reassurance Programme 100 percent Reassurance Cruise Credit is not combinable with any other cancellation payments; programme or claims.
• The Reassurance Cruise Credit is valid for travel within 12 months from the date of the cancelled voyage and will be issued in accordance with the cancelled booking as either air/sea or cruise-only, and will be applied after any other savings incentives are applied (i.e. APB, EBI, Silver Sailings, and Venetian Society).
• Reassurance credits cannot be applied towards the purchase of air upgrades, land programmes, transfers and insurance.
• Reassurance Cruise Credits have no cash value and are non-transferable and are only applicable to Silversea published fares.
• Reassurance Cruise Credits received as part of the Reassurance Programme cannot be used in conjunction with non-combinable offers.
• Previously issued Silversea Cruise Credits or Shipboard Credits will not be included in the Reassurance Cruise Credit but will be returned to guests for their future use and will be subject to the credit's original terms and conditions. If the original credit's expiration date is earlier than that of the Reassurance Cruise Credit, a new Cruise Credit or Shipboard Credit will be issued to correspond with the expiration date of the Reassurance Cruise Credit.
• Guest Relations issued cruise credits or shipboard credits may be combined with the Reassurance Cruise Credit, subject to the original credit's terms and conditions.
• The Reassurance Programme is subject to change or withdrawal without prior notice.
• Please note that if the Reassurance Programme is used, all monies will be held in abeyance by Silversea until a replacement voyage is re-booked with Silversea - refunds will not be made on any unused portions of the Reassurance Cruise Credit.
• The Reassurance Programme is not available to those passengers booking their Silversea cruise holiday using a Reassurance Cruise Credit, unless the total value of the cruise holiday exceeds the Reasurrance Cruise Credit in which case the Reassurance Programme will only be offered on the portion of the total charges which exceeds the Reassurance Cruise Credit.
• The Reassurance Cruise Credit may only be used to book travel during the allowed twelve month period. If cancellation is made on travel booked using a Reassurance Cruise Credit, the value of the Reassurance Cruise Credit will be subject to Silversea's standard cancellation policy terms. Any residual Reassurance Cruise Credit balance resulting from the cancellation penalty imposed may be applied to a future cruise holiday which embarks during the original twelve month period. Under no circumstances will any outstanding credit be available for use after the original twelve month period has ended.

  More Information on Silversea Cruises