DESCRIPTION OF BENEFITS

1. Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
2. You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within 10 days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within 10 days of departure.
3. You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure.
4. A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.
5. The death or hospitalization of Your Host at Destination.
6. A Terrorist Incident that occurs in a city listed on Your Trip itinerary and within 30 days prior to your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing the cancellation of Your Trip.  Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. 
7. Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war
8. Strike that causes complete cessation of services for at least 48 consecutive hours.
9. Weather that causes complete cessation of services of the Common Carrier for at least 48 consecutive hours.
10. Bankruptcy and/or Default of Your Travel Supplier which occurs more than 10 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agency from whom You purchased the Land/Sea Arrangements.  Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.
11. You are terminated, or laid off from employment subject to five years of continuous employment at the place of employment where terminated.
12. Natural disaster at the site of Your destination that renders their destination accommodations uninhabitable.

1. Non-refundable cancellation charges imposed by the Participating Organization and/or Travel Suppliers;
2. If the Travel Supplier cancels Your Trip, the You are covered up to $75.00 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.

In no event shall the amount reimbursed exceed the amount You prepaid for the Trip. Coverage does not include default of a Participating Organization or other organization that results in loss of services.

The Company will reimburse You for Covered Expenses on a one-time basis, up to the maximum shown in the Confirmation of Coverage, if You are delayed en route to or from the Trip for twelve (12) or more hours due to a defined Hazard:

Covered Expenses include:

1. Any prepaid, unused, non-refundable land and water accommodations;
2. Any reasonable additional expenses incurred;
3. An Economy Fare from the point where the You ended Your Trip to a destination where You can catch up to the Trip; or
4. A one-way Economy Fare to return You to Your originally scheduled return destination.

 Missed Connection:

This benefit covers missed Cruise departures that result from cancellation or delay (for three or more hours) of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay.  Maximum benefits of up to the amount shown in the Confirmation of Coverage are provided to cover additional transportation expenses needed for You to join the departed Cruise, reasonable accommodation and meal expenses (up to the per day amount shown in the Confirmation of Coverage) and non-refundable trip payments for the unused portion of Your Cruise. Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departure but cancel their Cruise due to Inclement Weather.

Emergency Medical Sickness and Accident Expense:

The Company will pay benefits up to the maximum shown on the Confirmation of Coverage, if You incur Covered Medical Expenses as a result of Emergency Treatment of a Sickness or Accidental Injury that first manifests itself during the Trip.

Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Trip due to the serious and acute nature of the Sickness.

Covered Medical Expenses are necessary services and supplies that are recommended by the attending Physician. They include but are not limited to:

1. the services of a Physician;
2. charges for Hospital confinement and use of operating rooms;
3. charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
4. ambulance service; and
5. drugs, medicines, prosthetics and therapeutic services and supplies.

If You are hospitalized due to a Sickness which first occurred during the course of the scheduled Trip beyond the date of the Scheduled Return Date, coverage will be extended until You are released from the Hospital or until maximum benefits under the Group Policy have been paid.

The Company will pay benefits for Covered Expenses incurred, up to the maximum shown on the Confirmation of Coverage, if an Accidental Injury or Sickness commencing during the course of the Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants the Your Emergency Evacuation.

Covered Expenses include, but are not limited to, expenses for embalming, cremation, casket for transport and transportation.

Lost Baggage & Baggage Delay:

The Company will reimburse You, Your Family Member up to the maximum shown on the Confirmation of Coverage, for loss, theft or damage to baggage and personal effects, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You during the Trip.

The Company will reimburse You for the expense of necessary personal effects, up to the maximum shown on the Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip, except for travel to final destination or place of residence.

Optional Flight Accident Plan:

Coverage is provided to You, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

Assistance With Travel

24 Hour Telephone Contact - Should medical emergencies arise, there is help in locating medical care
Conference Calls - Arranging telephone conferences between your attending and home physicians
Second Opinions - Arranging second medical opinions in hospital cases
Emergency Messages - Relaying emergency messages to family and employer during medical emergencies
Payment Guarantee - Guarantee or payment of medical bills or authorizing medical benefits according to the
    program for eligible benefits only.
Ticketing Services - 24 Hour ticketing service to arrange emergency family visits
Medical Evacuations - Arranging emergency medical evacuation from medically underserved areas
Repatriation - Arranging medical transportation home after treatment
Medical / Travel Escorts - Arranging escorts and transportation for unaccompanied children
Medical Records - Arranging transfer of medical records
Remains Return - Arranging repatriation of remains for deceased travelers

EXCLUSIONS:

The following exclusions apply to Collision Damage Waiver:

1. Any obligation the Insured assumes under any agreement (except insurance collision deductible);
2. Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or
    Exotic Vehicles;
3. Any loss that occurs if the Insured is in violation of the rental agreement;
4. Failure to report the loss to the proper local authorities and the rental car company;
5. Damage to any other vehicle, structure or person as a result of a covered loss.

The following duties in the event of loss apply to Collision Damage Waiver:

1. The Insured must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2. The Insured must report the loss to the appropriate local authorities and the rental company as soon as possible;
3. The Insured must obtain all information on any other party involved in an Accident, such as name, address, insurance
     information and driver’s license number;
4. The Insured must provide the Company all documentation such as rental agreement, police report and damage estimate.

 WHEN “PRE-EXISTING” APPLIES:

Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child.

The following exclusions apply to Baggage/Personal Effects and Baggage Delay.

The Company will not provide benefits for any Loss or damage to:

1. Animals;

2. Automobiles and automobile equipment;

3. Boats or other vehicles or conveyances;

4. Trailers;

5. Motors;

6. Motorcycles;

7. Aircraft;

8. Bicycles (except when checked as baggage with a Common Carrier);

9. Household effects and furnishing;

10. Antiques and collectors’ items;

11. Eyeglasses, sunglasses or contact lenses;

12. Artificial teeth and dental bridges;

13. Hearing aids;

14. Prosthetic limbs;

15. Prescribed medications;

16. Keys, money, stamps, securities and documents;

17. Tickets;

18. Credit cards;

19. Professional or occupational equipment or property, whether or not electronic business equipment;

20. Personal computers, telephones, computer hardware or software;

21. Sporting equipment if Loss or damage results from the use thereof.

Excluded country list

Coverage is not available for travel to or from the following Countries*:

1. Balkans Sanctions
2. Belarus Sanctions
3. Burma Sanctions
4. Cote d’Ivoire (Ivory Coast)
5. Cuba Sanctions
6. Democratic Republic of Congo Sanctions
7. Iran Sanctions
8. Iraq Sanctions
9. Liberia Sanctions
10. North Korea Sanctions
11. Palestinian Authority Sanctions
12. Sudan Sanctions
13. Syria Sanctions
14. Zimbabwe Sanctions

Click here to see an official brochure in pdf format (in a new window)

  For Current Rates & Online Application, please click on the banner below:

Notice to residents of Florida: Your homeowners policy, if any, may provide coverage for loss of personal effects provided by the baggage and personal effects coverage. This insurance is not required in connection with the purchase of your travel arrangements.

Notice to residents of California: This plan contains disability benefits or health benefits, or both, that only apply during the 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.