Cruise Line Travel Protection

Cruise Line Travel Protection

Azamara Club Cruises


CRUISECARE CANCELLATION PENALTY WAIVER PROGRAM
If you must cancel or interrupt the cruise portion of your voyage for specified reasons, Azamara Club Cruises will waive the non-refundable cancellation provision of your Cruise Ticket Contract and pay you the value of the unused portion of your prepaid cruise vacation. Also, should you or your traveling companion need to cancel your cruise for any other reason, you may be eligible for Cruise Credits of up to 75% of the non-refundable, prepaid cruise vacation cost. Important reminder: In the event of a claim, documentation in addition to your claim form may be required.

CRUISECARE TRAVEL INSURANCE PROGRAM
CruiseCare provides a variety of coverages to protect you during your trip. Included coverages: trip cancellation and trip interruption for independently booked airfare, trip delays, baggage protection, medical expenses and emergency medical evacuation. Cruisecare Worldwide Emergency Program provided by On Call International.

CRUISECARE PRICING

Cruise Cost CruiseCare
$4,001-$4,500 $339
$4,501-$5,000 $379
$5,001-$5,500 $419
$5,501-$6,000 $459
$6,001-$6,500 $539
$6,501-$7,000 $569
$7,001-$7,500 $599
$7,501-$8,000 $639
$8,001-$8,500 $679
$8,501-$9,000 $709
$9,001-$9,500 $709
$9,501-$10,000 $789
$10,000 + $799

PROGRAM ACTIVATION AND CANCELLATION
You may purchase CruiseCare at any time between making your initial deposit and final payment of cruise charges. The plan's insurance coverage applies only during the covered trip. Be aware that your CruiseCare Cancellation Penalty Waiver takes effect only after 1) you have paid a deposit for your cruise and 2) you have paid for your CruiseCare plan cost in full, in addition to any cruise deposits due. Payment of your cruise fare alone will not activate any part of the CruiseCare program. Your CruiseCare plan cost is fully refundable if you cancel before the published penalty period for Azamara Club Cruises.

CRUISECARE CONTACT INFORMATION
For a summary of the program terms, conditions, exclusions and program sponsors, please contact the CruiseCare program administrator (Berkely) at 1-800-797-4516 or 1-516-342-2720. 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 other benefits have been paid.

This plan provides insurance coverage that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker.

This program was designed and is administered by Aon Affinity Berkely Travel. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc.; (AR 244489); in CA, MN & OK, AIS Affinity Insurance Agency, Inc. (CA 0796465); in CA, Aon Affinity Insurance Services, Inc., (0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY and NH, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. As an MGA we are acting on behalf of our carrier partner.


Carnival 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 we created Carnival’s Cruise Vacation Protection. Carnival’s Cruise Vacation Protection package of benefits has been designed to give you the peace of mind that comes with having the following:

Cruise Vacation Protection Package of Benefits:

• Carnival Cancellation Fee Waiver Program – waives the non-refundable 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 up to 75% of the non-refundable, prepaid cruise vacation cost. Brought to you by Carnival Cruise Line*.

• Carnival Travel Insurance Program – provides coverage for independently-booked air, accident and sickness medical benefits, evacuation, baggage protection and much more. Underwritten by Transamerica Casualty Insurance Company.

• CarefreeTM Worldwide Emergency Assistance Program – provides 24-hour assistance services including: pre-cruise health, safety and weather information; assistance with travel changes; lost luggage assistance; emergency cash transfer assistance; emergency medical and dental assistance; lost travel document assistance; and emergency medical payment assistance. Provided by On Call International.

We recommend adding Carnival’s Cruise Vacation Protection to your reservation, so that you can get back to the important planning decisions like what to pack!

Please note that payment of the required cruise deposit does not automatically activate enrollment in Carnival’s Cruise Vacation Protection. To activate enrollment, the appropriate program costs must be paid in addition to the required cruise deposit amount. Please keep these documents for your records.


Celebrity 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.


Celestyal Cruises


You must ensure that you have appropriate travel insurance for the entire duration of your holiday to cover you for cancellation, illness, death or personal injury, medical treatment, damage to and/or loss of luggage, repatriation etc.


Costa 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

Crystal Cruises


Highlights of the Program Benefits & Assistance Services
Coverages are underwritten by Stonebridge Casualty Insurance Company.

Trip Cancellation & Interruption Protection
Coverage up to $50,000 per insured guest for non-refundable cancellation or interruption charges due to covered medical conditions of guests, their immediate family members or traveling companions. In addition, the plan covers certain non-medical reasons affecting the traveler.

Rollover Credit Feature – Provided by Crystal Cruises
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.

Travel Delay
Reimburses up to $2,500 per insured guest for additional accommodations and “catch-up” transportation expenses for covered delays of more than 12 hours.

Baggage Protection/Personal Effects Protection
Reimburses up to $3,000 per insured guest 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 covered personal items should your bags become delayed for more than 24 hours.

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

Emergency Evacuation/Repatriation
In the event of a medical emergency, coverage is provided for emergency medical transportation to the nearest medical facility qualified to treat your condition. In addition, the plan provides coverage for transportation of mortal remains in the event of death. Coverage is provided up to $50,000 per insured guest for Emergency Evacuation/Repatriation expenses.

24-hour Worldwide Emergency Assistance Services – Provided by On Call International
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.


Cunard 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 providedhereunder.

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.


Disney Cruises


We want our Clients to have the vacation of their dreams! So we've created a travel protection plan just for you. The Disney Cruise Line Vacation Protection Plan is a package of benefits that help prepare you for the unexpected before, during, and even after their trip. The Plan includes travel insurance, 24-hour assistance, and Disney's Cancel For Any Reason feature. This feature delivers a credit of up to 75% of the cancellation fees to be used toward a future Disney Cruise Line sailing - so if you cancel for a reason that may not be eligible under the insurance portion of the plan, you still receive a credit for a future cruise! For bookings made prior to March 6, 2014, the feature provides a credit of up to 100% of the cancellation penalties towards a future Disney Cruise Line sailing.


Holland America Cruises


Holland America Line's Cancellation Protection Plan (CPP) is available for purchase on Holland America Line Cruises and CruiseTours, and is offered as a Standard Plan or a Platinum Plan. CPP is designed to protect your vacation investment from loss. Be it illness, family matters, unforeseen work events - anything, CPP is a product that enables you to cancel your vacation plans before you leave, for any reason and receive a refund.

Four reasons to choose the Holland America Line Cancellation Protection Plan:

YOU CAN CANCEL BEFORE DEPARTURE FOR ANY REASON. Even if it's up to 24 hours before departure under our Standard Plan or right up to departure with our Platinum Plan. For any reason whatsoever, your reservation may be cancelled with ease.

YOU GET MONEY BACK. Only Holland America Line refunds 80-90% of eligible amounts paid, regardless of your reason for canceling, as long as you cancel more than 24 hours prior to departure (right up to departure with the Platinum Plan).

SAME PRICE FOR ALL AGES. We offer the same excellent protection for everyone, at the same cost.

NO PRE-EXISTING CONDITIONS. Our Standard and Platinum Plans do not contain pre-existing condition exclusions.

Our Standard and Platinum plans at a glance
Unforeseen events do happen. When you book your next cruise, be sure to ask about our Cancellation Protection Plans to protect your cruise investment.

CPP Standard Plan – Provided by Holland America Line
Our Standard Cancellation Protection Plan (CPP Standard Plan) will allow you, for any reason, to provide written cancellation up to 24 hours prior to the start of your scheduled travel (sea, land and/or air) arrangements made by Holland America Line and receive a refund equal to 80% of the eligible amounts paid. CPP Standard is available to all guests, regardless of residency.

In addition, Holland America Line (HAL) automatically assumes an additional $500 (USD) of liability for lost, damaged or delayed baggage of guests who purchase the CPP Standard Plan still subject, however, to the limitations in our baggage policies. For example, we do not cover losses while baggage is in the custody of airlines. Please review our Baggage Policy.

The CPP Standard Plan is not insurance, and is administered by Holland America Line; 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
Our Platinum Cancellation Protection Plan enables you to supplement the benefits provided under the CPP Standard Plan with higher cancellation reimbursement and extends the eligible cancellation period up until the start of your scheduled travel (sea, land and/or air) arrangements made by Holland America Line. CPP Platinum also provides insurance coverage for trip delays and interruptions, medical expenses and much more. In addition, CPP Platinum includes 24-hour worldwide emergency assistance services. CPP Platinum is comprised of the following:

SECTION I
Cancel for Any Reason Waiver
Provided by Holland America Line

You may cancel for any reason prior to the start of your scheduled travel (sea, land and/or air) arrangements made by Holland America Line and receive reimbursement equal to 90% of the eligible amounts paid to Holland America. Note: CPP Platinum does not protect double-triple-quad occupancy rates should one or more members of your party cancel prior to departure.

SECTION II
TRAVEL INSURANCE PROGRAM
Underwritten by Stonebridge Casualty Insurance Company

- Trip Interruption: Enables you to cancel or interrupt your cruise vacation for illness, injury or death to you, an immediate family member or a traveling companion, as well as certain other non-medical reasons affecting you or your traveling companion, and receive up to 150% of your cruise vacation cost.
- Trip Delay: If you miss the departure of your cruise due to carrier-caused delays or other specified reasons, you will be reimbursed up to $500 for additional accommodations, meals and “catch-up” transportation expenses.
- Baggage Protection: If your baggage or personal property is lost or damaged, you will be reimbursed up to $1,000. If your bags are delayed or misdirected by a common carrier for more than 24 hours, you will be reimbursed up to $500 for the purchase of necessary personal effects.
- Medical Expense Coverage: Should you become injured or sick during your vacation, you will be reimbursed up to $10,000 for medical expenses.
- Emergency Evacuation/Repatriation: In the event that serious illness or injury requires air or ground transportation to a specialized facility or to return home, you will be provided up to $50,000 in covered medical services and supplies (coordinated by our 24-hour assistance provider) to help ensure your safe transport. Repatriation coverage provides for shipment of remains in the event of death during the cruise vacation.

The Travel Insurance Program is underwritten by Stonebridge Casualty Insurance Company, a Transamerica company, Columbus, Ohio; NAIC #10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, 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. Certain coverages are under series TAHC6000 and TAHC7000.

SECTION III
WORLDWIDE EMERGENCY ASSISTANCE SERVICES
Provided by On Call International

Provides 24-hour assistance services including: pre-cruise health, safety and weather information; assistance with travel changes; lost luggage assistance; emergency cash transfer assistance; emergency medical and dental assistance; lost travel document assistance; and emergency medical payment assistance.
IMPORTANT: This is only a brief description of the program. Please refer to the link below for a summary of the terms, conditions, and exclusions. Note that the benefits and services provided in CPP Platinum are available only to guests who enroll in and pay the appropriate program cost to Holland America Line. Please note that payment of the required cruise deposit does not automatically activate enrollment in CPP Platinum Protection. In order to activate enrollment, you must pay the appropriate program costs in addition to the required cruise deposit amount. The CPP Standard and CPP Platinum Plans are optional and are available for purchase prior to the date on which cancellation fees begin to accrue. Payment for the plan is due at time of purchase and is non-refundable. The per person, per cruise costs for both plans are listed with the cruise fares. To add our Cancellation Protection Standard or Platinum Plan to your new or existing cruise booking, please call us at 1-877-932-4259.

This program was designed and is administered by Aon Affinity Berkely Travel. Aon Affinity, is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc.; (AR 244489); in CA, MN & OK , AIS Affinity Insurance Agency, Inc. (CA 0795465); in CA, Aon Affinity Insurance Services, Inc., (0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY and NH, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. As a MGA we are acting on behalf of our carrier partner.

For New York residents only: The Holland America Cancel For Any Reason Waiver may be purchased separately from the Travel Insurance Program. Contact 1-877-538-3815 for details.

This plan provides insurance coverage that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker.

 


Hurtigruten Cruises


An illness, accident, or unexpected situation can arise before or during any vacation. Such an event might cause you to cut short your voyage or cause your trip to be cancelled altogether. Because a cruise is a significant investment, Hurtigruten offers insurance to protect their passengers from financial loss in the event of an emergency. Details and prices vary, as do coverage limits and exclusions. If you decide to purchase insurance, you will have two options: Hurtigruten's plan or the plan offered by our independent insurance provider.


MSC 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.


Norwegian 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 ServicesMaximum 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 ProtectionMaximum 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.


Oceania 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.


Paul Gauguin 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.


Ponant Cruises


Passengers shall be responsible for subscribing to cancellation/luggage/ assistance/ repatriation/medical insurance(s).


Princess 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.


Regent 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.


Royal Caribbean 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 $199 USD
$3001 USD - $3500 USD $259 USD
$3501 USD - $4000 USD $299 USD
$4001 USD - $4500 USD $339 USD
$4501 USD - $5000 USD $379 USD
$5501 USD - $6000 USD $459 USD
$6001 USD - $6500 USD $539 USD
$6501 USD - $7000 USD $569 USD
$7001 USD - $7500 USD $599 USD
$7501 USD - $8000 USD $639 USD
$8001 USD - $8500 USD $679 USD
$8501 USD - $9000 USD $709 USD
$9001 USD - $9500 USD $749 USD
$9501 USD - $10000 USD $789 USD
$10001 USD - More $799 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


Seabourn 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.


SeaDream Yacht Club 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.


Silversea 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:

  • 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.
  • The 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.
  • The Reassurance Cruise Credit does not include the Reassurance Programme fee or the Silversea GuestCare plan cost, if applicable
  • Regardless of the reason, cancellations under the Reassurance Programme 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 at the time of cancellation and cancelled at least 24 hours prior to cruise departure. "No Shows" forfeit the 100 percent Reassurance Cruise Credit.
  • If a Reassurance Cruise Credit is elected from 90 to 15 days prior to cruise departure, a credit will be issued (no money will be refunded) in the amount of total charges paid regardless of the normal applicable penalty percentage at the time of cancellation.
  • Silversea's standard cancellation policy terms remain in effect 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 made through Silversea GuestCare or another travel insurance provider.
  • The Reassurance Programme is not insurance and is provided separate from Silversea GuestCare. Guests insured under Silversea GuestCare or another travel insurance product and who have paid the 3 percent of Total Holiday Cost for the Reassurance Programme, must provide a copy of the denial letter received from their travel insurance provider in order to apply for the 100 percent Reassurance Cruise Credit.
  • 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 Cruise Credits cannot be applied towards port charges, government fees and taxes or the purchase of air upgrades, land programmes, transfers and Silversea GuestCare.
  • Reassurance Cruise Credits have no cash value and are non-transferable.
  • Reassurance Cruise Credits received as part of the Reassurance Programme cannot be used in conjunction with non-combinable offers.
  • Premiums paid for Silversea's GuestCare or Reassurance Programme will not be included in the Reassurance Cruise Credit.
  • 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.
  • The Reassurance Programme is subject to change or withdrawal without prior notice.
  • The Reassurance Programme is not available to those guests booking their Silversea voyage using a Reassurance Cruise Credit, unless the total value of the voyage exceeds the Reassurance 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 voyage that embarks during the original twelve month period. Under no circumstances will any outstanding Reassurance Cruise Credit be available for use after the original twelve month period has ended.

Please note: The Reassurance Programme is separate from Silversea GuestCare which is designed and administered by BerkelyCareSM. 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.

Star Clippers Cruises


Star Clippers Cruise Insurance Plan through Travel Guard® covers you and your investment before and during your trip. Travel Guard® is optional, plan cost must be paid no later than final trip payment and prior to departing on trip. Rates are per person and based on total trip cost.

* Tour Cost, Trip Cancellation & Interruption: Trip Cancellation and Interruption pays for forfeited, non-refundable, unused payments or deposits if due to: Unforeseen sickness, injury, or death of the Insured, a Traveling Companion, Family Member, or Business Partner. (Certain exclusions apply.); Inclement weather conditions causing delay or cancellation of travel; The Insured’s primary residence being made uninhabitable by natural disaster, vandalism, or burglary; The Insured or Traveling Companion being subpoenaed, required to serve on jury duty, hijacked, or quarantined; the Insured or Traveling Companion is involved in or delayed due to an automobile accident ,substantiated by a police report, while en route to the Insured's destination.

* $1,000 Trip Delay: Reimburses up to $100 a day for reasonable additional expenses if delayed for 12 hours or more due to: Carrier delay such as mechanical difficulties; Lost passport, money, or travel documents; Natural disaster; Injury or sickness of the Insured or Traveling Companion. * $1,000 Baggage & Personal Effects: Reimburses for loss, theft or damage of baggage and personal effects. * $25,000 Medical Expense: Pays for physician, hospital, ambulance services, and prosthetic devices. Initial treatment must be received during trip. Will pay for covered expenses for up to one year from date of injury/sickness up to the Maximum Limit of Coverage. * $50,000 Emergency Evacuation & Repatriation of Remains: Pays for evacuation to nearest adequate medical facility as directed by the attending Physician.- Assistance Services 24 hour emergency medical and travel assistance... all just a phone call away. Call 1-866-385- 4839. Please refer to plan # 002201 P1 8/08. This plan is non-refundable.


Windstar Cruises


Windstar Cruises offers passengers the opportunity to purchase either Windstars TICP Standard or TICP Plus Protection Plan. Both of these plans are optional and must be paid for at time of deposit. Payments are not refundable. The TICP Plus Plan is only available for U.S. and Canadian residents.

TICP Standard Plan:
Our Standard Cancellation Protection Plan (TICP Standard Plan) will allow you, for any reason, to provide written cancellation up to 24 hours prior to scheduled cruise or tour departure and receive a refund equal to 80% of the applicable cancellation fee (90% if you purchase Windstars TICP Plus Plan). In addition, Windstar automatically assumes an additional $500 of liability for lost, damaged or delayed baggage of guests who purchase the TICP Standard Plan; still subject, however, to the limitations in Windstars baggage policies. For example, Windstar does not cover losses while baggage is in the custody of airlines. The TICP Standard Plan is not insurance; it provides no rights other than those explained above. For example, it does not protect double-triple occupancy rates should one or more members of your party cancel, nor does it cover expenses or unused services due to trip interruption.

TICP Plus Plan: Our Plus Cancellation Protection Plan (TICP Plus Plan) enables you to supplement the TICP Standard Plan with the insurance benefits and travel assistance services during your cruise or tour. As detailed on the following pages. Description of Coverages Schedule: Windstar Cruises Benefit Maximum Benefit Amount Medical Expense/Emergency Assistance
Accident and Sickness Medical Expense
Emergency Evacuation and Repatriation
$25,000
$50,000 Pre-Departure Trip Cancellation Up To Trip Cost Post-Departure Trip Interruption Up To 150% of Trip Cost Travel Delay (Up to $100 Per Day) $1,000 Baggage and Personal Effects $1,000 Baggage Delay $100 Table of Contents Insurance Benefits and Provisions Baggage and Personal Effects
Baggage Delay
Cancel For Any Reason Waiver
Definitions
Exclusions
General Provisions
Medical Expense / Emergency Assistance
Travel Delay
Trip Cancellation
Trip Interruption
Your Duties In The Event of Loss
When Coverage Begins
When Coverage Ends
Where To Present A Claim
Who Is Eligible For Coverage 24-Hour Assistance Services Legal Assistance Services
Medical Assistance Services
Nurse Helpline
One Call Concierge Services
One Call Travel Solutions
Travel Assistance Services
Travel Document and Ticket Replacement Please Note: This plan may not be purchased after final payment for your Trip has been received.
Who is Eligible For Coverage A person who has arranged to take a Trip, and pays the required premium, and is a citizen or resident of the United States of America or Canada. 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 premium has been received by Windstar Cruises; 2) the date and time you start your Trip; or 3) 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 the Scheduled Departure Date and time of your Windstar cruise or cruise/tour departure. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date of your Trip if the required premium payment is received. When Coverage Ends Your coverage automatically ends on the earlier of: 1) the date the Trip 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 Trip covered by the Policy.

Termination of the policy will not affect a claim for loss that occurs after premium has been paid.

All coverages under the policy will be extended if your entire 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 Summary of Coverages
Please see the Definitions for an explanation of Pre-Existing Conditions which are excluded under the Pre-Departure Trip Cancellation, Post-Departure Trip Interruption, Travel Delay and Medical Expense/ Emergency Assistance Benefits (unless this exclusion is waived, see the Pre-Existing Conditions Exclusion Waiver for details).
Medical Expense/Emergency Assistance Windstar will pay this benefit, up to the amount on 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 Trip; 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. Windstar 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 provisions. Covered Expenses for Accident and Sickness Medical Expense means:
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 during a Trip (expenses incurred for dental treatment after your Trip ends are not covered); 3) 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; 4) expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence in the USA or Canada, 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. Covered Expenses for Medical Evacuation and Return of Remains means: 1) 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; 2) 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 in the USA or Canada, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors' prior approval; 3) 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 or Canada, 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 policy; 4) repatriation expenses for preparation and air transportation of your remains to your place of residence in the USA or Canada, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the USA or Canada. Access Your Medical Records Online With Windstars exclusive Free Global Xpi Service, you can assure that your important medical records are available to you or any Physician chosen by you, at any time, anywhere in the world, quickly, wherever there is internet access available. Register at www.globalxpi.com or call, toll free:
1-800-379-9887 Use Program Code 426W These Services are Provided by: Global Xpi, Inc. Pre-Departure Trip Cancellation Windstar will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if, for a covered reason that occurs before departure on your Trip and while coverage is in effect, you are prevented from taking your Trip.
Covered reasons for Pre-Departure Trip Cancellation are:
1) your, an Immediate Family Member's, Traveling Companion's, or Business Partner's Sickness; Injury; Mental, Nervous, or Psychological Disorders requiring inpatient hospitalization of three (3) days or more; or death; or 2) for Other Covered Events, as defined. The Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) require the examination and treatment by a Physician at the time the Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip. Pre-Departure Trip Cancellation Benefits: If you cancel your Trip for a covered reason, Windstar will reimburse you, up to the amount in the Schedule, for the amount of prepaid, forfeited, non-refundable Payments or Deposits that you paid for your Trip. Windstar will pay 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 canceled for a covered reason and your Trip is not canceled.
Post-Departure Trip Interruption Windstar will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if for a covered reason: 1) your arrival on your Trip is delayed beyond the Scheduled Departure Date or 2) you are unable to continue on your Trip after you have departed on your Trip. Covered reasons for Post-Departure Trip Interruption are: your, an Immediate Family Member's, Traveling Companion's, or Business Partner's Sickness; Injury; or death; or for Other Covered Events, as defined. For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) for item 2) above, commence while you are on your Trip and your coverage is in effect under the policy; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Trip or to prevent you from continuing your Trip.
Post-Departure Trip Interruption Benefits: If you interrupt your Trip for a covered reason, Windstar 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 by the most direct route from the point you interrupted your Trip: a) to the next scheduled destination where you can catch up to your Trip; or b) to the final destination of your Trip; or

2) the additional transportation expenses incurred by you by the most direct route, to reach your original Trip 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 (or first class, if the original tickets were first class) 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 Trip is interrupted and your Trip is continued.
Travel Delay If your Trip is delayed for 12 hours or more, Windstar will reimburse you, up to the amount shown in the Schedule, for reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and local transportation while you are delayed. Windstar will not pay benefits for expenses incurred after travel becomes possible. Travel Delay must be caused by or result from: 1) Common Carrier delay; or 2) loss or theft of your passport(s), travel documents or money; or 3) quarantine (except as the result of an epidemic or pandemic); or 4) hijacking; or 5) natural disaster or closure of public roadways by government authorities due to adverse weather; or 6) Injury or Sickness of you, an Immediate Family Member traveling with you, or a Traveling Companion; or 7) death of you, an Immediate Family Member traveling with you, or a Traveling Companion.

Baggage and Personal Effects Windstar will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip. Windstar will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies. 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 75% of the Actual Cash Value at the time of loss. At Windstar option, Windstar may elect to repair or replace your Baggage. Windstar will notify you within 30 days after Windstar receives your proof of loss. Windstar 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, Windstar 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.

Items Subject to Special Limitations: Windstar will not pay more than $500 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; computer, digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $250 per item limit.

Losses Not Covered:
Windstar will not pay for loss arising from: 1) defective materials or craftsmanship; or 2) normal wear and tear, gradual deterioration, inherent vice; or 3) rodents, animals, insects or vermin; or 4) theft or pilferage from an unattended vehicle; or 5) mysterious disappearance; or 6) electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Items Not Covered: Windstar will not pay for damage to or loss of: 1) animals; 2) 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; 3) boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances; 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, except as noted above; 7) property shipped as freight or shipped prior to the Scheduled Departure Date; 8) contraband.
Baggage Delay Windstar will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, 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 for 24 hours or more during your Trip.

Windstar will also reimburse you up to $25 for expenses incurred during your Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Trip.
Definitions In this Policy, 'you', 'your' and 'yours' refer to the Insured. 'We', 'us' and 'our' refer to Windstar providing this insurance. In addition certain words and phrases are defined as follows:
'Accident' means a sudden, unexpected, unintended and external event, which causes Injury.
'Actual Cash Value' means current replacement cost for items of like kind and quality less depreciation.
'Air Carrier' means any air conveyance operated under a license for the transportation of passengers for hire.
'Baggage' means luggage, personal possessions and travel documents taken by you on the Trip.
'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.
'Care Giver' means an individual employed for the purpose of providing assistance with activities of daily living to you or to your Immediate Family Member who has a physical or mental impairment. The Care Giver must be employed by you or your Immediate Family Member. A Care Giver is not a babysitter; childcare service, facility or provider; or persons employed by any service, provider or facility to supply assisted living or skilled nursing personnel.
'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.
'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 Windstar 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, step-brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Care Giver, Domestic Partner, foster-child, or ward.
'Injury' means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the 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 an Eligible Person who arranges a Trip and pays any required premium.
'Insurer' means Stonebridge Casualty Insurance Company.
'Medical Evacuation' means Physician-ordered, medically appropriate transportation from the place where you suffer a Sickness or Injury to the nearest medical facility where medically suitable medical care is available or Home as approved by the Program Medical Advisors. An unscheduled return by the same or like mode of transportation as originally scheduled is not a Medical Evacuation.
'Mental, Nervous, or Psychological Disorder' means a mental or nervous health condition including, but not limited to: anxiety, depression, neurosis, phobia, psychosis; or any physical manifestation related thereto.
'Other Covered Events' means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:

1. Air Carrier delays resulting from inclement weather, mechanical breakdown of the aircraft on which you are scheduled to travel 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 of the aircraft on which you are scheduled to travel, organized labor strikes that affect public transportation or a government-mandated shut down of an airport or air traffic control system for reasons other than a Terrorist Act or an act of war;

Items #1 and #2 above apply only to Post-Departure Trip Interruption benefits and are subject to a maximum limit of $500.

3. 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 (except as the result of an epidemic or pandemic), 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) your Home or workplace is made uninhabitable by vandalism, burglary, fire, flood, volcano, earthquake, hurricane or other natural disaster;

d) being called to the emergency service of government in the case of military, police or fire personnel to provide aid or relief in the event of a natural disaster;

e) a documented theft of passports or visas;

f) a transfer of employment of 250 miles or more;

g) a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Trip provided: 1) The Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Trip;

h) a cancellation of your Trip if your arrival on the Trip is delayed and causes you to lose 50% or more of the scheduled Trip duration due to the reasons covered under items #1 and #2 above.
'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 for your Trip. Payments made in the form of a certificate, voucher or discount are not Payments or Deposits as defined herein.
'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.
'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.
'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 or Immediate Family Member 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. 'Program Medical Advisors' means One Call Worldwide Travel Services Network, Inc.
'Scheduled Departure Date' means the date on which you are originally scheduled to leave on your Trip.
'Sickness' means an illness or disease of the body which: 1) requires examination and treatment by a Physician, and 2) commences while the insurance is in effect. An illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the effective date of this insurance is not a Sickness as defined herein and is not covered by the policy.
'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 has been elected and the premium paid, and all travel arrangements are arranged by Windstar Cruises prior to the Scheduled Departure Date of the Trip. 'Trip Cost' means the cash, check, or credit card amounts actually paid for your Trip. Payments made in the form of a certificate, voucher or discount are not Trip Cost as defined herein.
'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.
Policy Exclusions The following exclusion applies to the Medical Expense/Emergency Assistance, Pre-Departure Trip Cancellation, Post-Departure Trip Interruption, and Travel Delay coverages: 1. Windstar will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the policy, including death that results therefrom.

This Exclusion does not apply to benefits under Covered Expenses for Medical Evacuation, item #1 (emergency Medical Evacuation) or item #4 (Repatriation of Remains) of the Medical Expense/Emergency Assistance Benefits coverage. Waiver of the Pre-Existing Condition Exclusion The Pre-Existing Condition Exclusion is waived provided you meet the following requirements: 1) the premium for the coverage is received by Windstar Cruises within 14 days of the initial deposit/ payment for your Trip and 2) you are not disabled from travel at the time you pay your premium.
The following exclusion applies to all coverages: 2. Windster will not pay for any loss under the policy, caused by, or resulting from: a) suicide, attempted suicide, or intentionally self-inflicted injury of you, a Traveling Companion, Immediate Family Member, or Business Partner booked to travel with you, while sane or insane (while sane in CO and MO); b) a Mental, Nervous, or Psychological Disorder, except as covered under Pre-Departure Trip Cancellation; c) being under the influence of drugs or intoxicants unless prescribed by a Physician; d) normal pregnancy or resulting childbirth or elective abortion; e) participation as a professional in athletics; f) participation in organized amateur and interscholastic athletic or sports competition or events; 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) mountain climbing, bungee cord jumping, heli-skiing, extreme skiing or skiing outside marked trails, caving or spelunking, skydiving, parachuting, hang gliding, parasailing, hot air ballooning 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) a loss or damage caused by detention, confiscation or destruction by customs; q) Elective Treatment and Procedures; r) epidemic and/or pandemic; s) medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment; t) bankruptcy, financial insolvency, default or failure to supply services by a travel supplier; u) failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements for reasons other than financial insolvency; v) business, contractual or educational obligations of you, an Immediate Family Member, Business Partner, or Traveling Companion; w) a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the policy is not in effect for you.
Important Note: Exclusion 2, Item w applies to you, an Immediate Family Member, Traveling Companion, or Business Partner. The Travel Insurance is Underwritten By: Stonebridge Casualty Insurance Company, Columbus, Ohio; (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, OH, OR, VT, WA and WY Policy Form #'s TAHC5100IPS and TAHC5200IPS.

Notice: If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA, WY) your coverage is provided on an individual policy form. Your policy number is your complete Name plus 426W. Your policy is available at www.tripmate.com. You can also request this information by calling Trip Mate at 1-800-888-7292.
Where to Present a Claim All claims should be presented to the Program Administrator: Trip Mate, Inc.*
9225 Ward Parkway, Suite 200
Kansas City, Missouri 64114
Tel: 1-800-888-7292
Plan Number: 426W

www.tripmate.com*In CA, dba Trip Mate Insurance Agency Please read this Insurance Certificate/brochure carefully, as it is your evidence of coverage under the policy (once you have paid the appropriate premium). If you have any questions about the coverages offered or to report a claim, please contact Trip Mate at 1-800-888-7292. Claims may also be reported online and claim forms downloaded at www.tripmate.com. Plan Number: 426W
General Policy Provisions Duplication of Coverage You may only purchase one certificate from Windstar for each Trip. If you do purchase more than one certificate for a specific Trip, the Maximum Limit of Coverage payable will be as specified in the certificate with the highest level of benefits. Windstar will refund premium received from you under any other certificate. Maximum Limit of Liability All limits are applied per Trip. Windstar will pay no more than $1,000,000 per occurrence to or on account of any person insured under the policy. Our Maximum Limit of Liability for all claims resulting from the same occurrence will be $10,000,000 collectively under the TAHC series of policies. Notice of Claim Windstar must be given written notice of claim within 180 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. Notice may be given to Windstar or to a Windstar authorized agent. Notice should include the claimant's name and enough information to identify him or her. Our Right To Recover From Others Windstar have the right to recover any payments Windstar have made from anyone who may be responsible for the loss. You and anyone else Windstar insures must sign any papers and do whatever is necessary to transfer this right to Windstar. You and anyone else Windstar insures will do nothing after the loss to affect Windstars right. State Specific Notices 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.

Florida Residents: Your homeowners policy, if any, may provide coverage for loss of personal effects. You are not required to purchase baggage insurance in connection with purchase of tickets or with the lease or rental of a motor vehicle.

New York Residents: For residents of New York only, the Windstar Cruises TICP Cancel for Any Reason Waiver Benefits may be purchased separately without purchase of the Travel Protection Plan.
Your Duties in the Event of a Loss
You must provide with your claim submission:

For Trip Cancellation and Interruption Claims: 1) all invoices, canceled checks and/or credit card statements documenting your payment(s) for the Trip and the travel protection plan; 2) all invoices, canceled checks and/or credit card statements documenting refund(s) received or due; 3) a completed claim form (including the Attending Physician's Statement and a signed Authorization for Release of Information, if applicable) and any other official documentation to substantiate the reason for the cancellation or interruption; and 4) any other written documentation which may be required by Windstar to substantiate the claim.

You must return all refundable travel documents or tickets to the issuing party and/or travel supplier.

For Medical Expense Claims: 1) all receipts, itemized bills and reports for medical and/or dental expenses claimed; 2) any requested information, including but not limited to, an explanation of benefits from any other applicable insurance; 3) a signed patient authorization to release any information Windstar requires to investigate your claim.

For Travel Delay Claims: 1) a written report from a common carrier, police or other party that documents the cause and length of the your Travel Delay; and 2) all receipts for additional expenses incurred during your Travel Delay.

For Baggage Delay Claims:
1) a written report from a common carrier or other party that documents the length of your Baggage Delay; and 2) all receipts for additional items purchased during your Baggage Delay.

For Baggage Claims: 1) copies of the written reports of loss to local authorities and/or any responsible party; and 2) when applicable, the responsible party's disposition of your claim.

In case of loss, theft or damage to Baggage and Personal Effects, you must: 1) immediately report the incident to the appropriate local authorities (i.e. local police or other local government authorities) and obtain a written report to include the value and description of the property loss; and/or 2) report the loss to any responsible party (i.e. hotel manager, tour guide or representative, airline, cruise line, bus line or other transport official), and obtain a written report of the loss to include the value and description of the property.

Windstar will not pay for further damage if you fail to take reasonable steps to protect your Baggage after a loss.
One Call

Worldwide Travel Services Network Contacting One Call's 24-Hour Service Center When outside the USA or Canada, call Windstar collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number. Within U.S.A. and Canada Outside U.S.A. and Canada 1-800-555-9095 1-603-894-4710 YOUR PLAN NUMBER: 426W
Medical Assistance - Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. Windstar will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring -
If you are hospitalized, Windstar will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. Windstar will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation -
When medically necessary, Windstar will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments - Windstar will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance -
Windstar will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains - In the event of death while on a Trip, Windstar will arrange for the preparation and transportation required to return your remains to your Home.

24 Hour Legal Assistance - If while on your Trip you encounter legal problems, Windstar will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, Windstar will assist you in arranging a funds transfer from family or friends.

Nurse Helpline - Registered nurses are available 24-Hours a day before and during your trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.
One Call Travel Solutions

24-Hour WorldwideTravel Services Message Services - Windstar will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services -
Windstar provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer -
Windstar will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services -
Windstar provides 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement -
When important travel documents (such as passports and visas) are lost or stolen, Windstar will help you to secure replacements. Windstar will also help you when airline or other travel tickets are lost or stolen. Windstar will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds). One Call Concierge Services

  • Restaurant, shopping, hotel recommendations/reservations
  • Local transport (rental car/limousine, etc.) information and reservations
  • Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
  • Golf course information, referrals, recommendations and tee times
  • Tracking and assisting with the return of lost or delayed baggage

While wWindstar strives to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond Windstars control when immediate resolution is not possible. Windstar will make every reasonable effort to refer you to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide Travel Services Network may be held responsible for the availability, quality or results of any medical treatment or your failure to obtain medical treatment.

The 24-Hour Assistance Services are provided by: One Call Worldwide Travel Services Network, Inc.



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