DESCRIPTION OF COVERAGE
Policy No. 3041-9500360
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The Passenger Protection Program described in Section II was arranged with BerkelyCare
on behalf of National Union Fire Insurance Company of Pittsburgh, PA under policy
#3041-9500360. All details in Section II pertain only to the coverages and services
indicated in the schedule below.
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SCHEDULE OF COVERAGES
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Part A: Travel Arrangement Protection:
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Trip Interruption:
If You are prevented from continuing Your Trip due to Injury, Sickness, or death
to You, a Traveling Companion or a member of Your Immediate Family, the Insurer
will pay benefits up to the total Trip cost for unused, non-refundable land or sea
expenses prepaid to Travel Impressions and/or the airfare paid, less the value of
applied credit from an unused return travel ticket, to return home or rejoin the
original Trip (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 tickets.
Special Conditions:
You must advise Your travel agent, Travel Impressions 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 Travel Impressions
and BerkelyCare as soon as reasonably possible.
Trip Delay:
The Insurer will pay benefits for Covered Expenses, up to $200 ($100/day), if Your
Trip is delayed for 12 or more hours due to inclement weather, strike or other job
action, or equipment failure of a Air Common Carrier. Covered expenses include prepaid,
unused non-refundable Land Arrangements, any reasonable additional expenses for
meals and lodging, the cost of a one-way economy airfare ticket to catch up to the
Trip or return to the place of origin shown on the original travel documents.
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Part B: Baggage Protection:
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Baggage / Personal Effects:
The Insurer will reimburse You, up to $800, for loss, theft, or damage to baggage
and personal effects. The Insurer will pay the lesser of the following: original
cash value at the time of the loss (replacement cost less depreciation as determined
by the Insurer), cost of the repair or replacement (limited per article - $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 equipment.
Baggage Delay:
You will be reimbursed for expenses of necessary personal effects, up to $100, if
checked baggage is delayed or misdirected by an Air Common Carrier for more 24 hours
from the time You arrive at the destination stated on Your ticket. You must be a
ticketed passenger on an Air Common Carrier.
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Part C: Medical Protection:
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Accident and Sickness Medical Expense:
The Insurer will pay benefits, up to $5,000, if You incur necessary covered medical
expenses as a result of an Injury or Sickness. The Injury must occur while You are
covered under the policy and the Sickness must first manifest itself during the
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.
Covered Medical Expenses are necessary services and supplies
which are recommended by the attending physician. They include the services of 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.
Important: Medical Expenses and Trip Interruption benefits are subject
to the Pre-Existing Condition limitation and other exclusions listed below.
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Part D: Worldwide Emergency Assistance (AIG Assist):
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A 24-hour emergency telephone assistance service is operated for Your benefits so
that, in the event of any emergency while on the Trip, help and advice may be furnished.
Services include traveler's assistance, emergency cash transfer assistance, legal
assistance and medical assistance such as arrangements for special emergency medical
transportation, if necessary. Please note: the problems of distance, information
and communication make it impossible for BerkelyCare or AIG Assist to assume responsibility
for availability, quality, use or results of any emergency service. In all cases,
payment is Your responsibility for required services.
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To access emergency assistance, call:
1-(800) 543-3797.
Outside the U.S. and Canada, call collect:
1-(972) 699-0200.
FAX:
1-(713) 974-4322.
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Excess Insurance Provision: The insurance provided under parts
A, B & C shall be in excess of all other valid and collectible insurance or
indemnity and shall apply only when such benefits are exhausted.
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Pre-Existing Conditions: The Insurer will not pay under coverages
in parts A & C for any claims arising from any Injury, Sickness, or other condition
affecting You, a Traveling Companion or an Immediate Family member which, within
the 60 day period before Your payment for this plan: (A) First manifested itself,
worsened, became acute, or had symptoms which would prompt a reasonable person to
seek diagnosis, care, or treatment; or (B) Required taking prescribed drugs or medicine
unless the condition for which the prescribed drugs or medicine was taken remained
controlled without any change in the requirement prescription; or (C) required treatment
or treatment was recommended by a physician. Please note: All covered reasons for
interruption of Your Trip must first occur after Your effective date of coverage.
If You have any questions concerning this exclusion, please call BerkelyCare at
1-(800)-453-4053 for further clarification.
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Definitions:
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* Air Common Carrier - means an air conveyance operated under a
license for the transportation of passengers for hire.
* Immediate Family - means the children, step- or adopted children,
children-in-law, parents, step-parents, parents-in-law, siblings, step-siblings,
siblings-in-law, grandparents, grandchildren, aunts, uncles, nieces, nephews, and
legal or common law spouse of You or Your Traveling Companion.
* 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 the plan. The Injury must be verified by a Physician.
* Insurer - means National Union Fire Insurance Company of Pittsburgh,
PA.
* Physician - means a licensed practitioner of the healing arts
acting within the scope of his/her license. The treating Physician may not be You,
a Traveling Companion, or an Immediate Family member.
* 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.
* Trip - means travel arrangements made with Travel Impressions
and shall include direct flight connections to join and depart such Trip, provided
such flights are scheduled to commence during the Term of Coverage outlined.
* Traveling Companion - means up to four persons scheduled to travel
with You.
* You, Your or Yourself - means a person who has purchased a Trip
offered by Travel Impressions and who has paid the required plan cost for the coverage
provided hereunder.
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Exclusions - (This Insurance in Section II Does Not Cover):
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* In Parts A & C (except Trip Interruption claims resulting
from death):
* Any Loss Caused By Or Resulting From: Pre-Existing Conditions.
* In Parts A & C:
Any Loss Caused By Or Resulting From: Sickness or disease except as provided for
in the policy; war or any act of war whether declared or not; while serving as a
member of the armed services; while or as a result of riding in any device for aerial
navigation other than as provided for in the policy; participation in any professional,
semi-professional, or interscholastic 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; skydiving; scuba, skin or deep sea diving;
snowboarding; hang gliding; parachuting; contests of speed; elective, non-emergency
dental treatment; elective abortion; normal pregnancy, except if hospitalized; mental
or nervous disorders, except if hospitalized.
* In Part B:
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 Air Common Carrier); household furniture; eyeglasses and contact
lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; money
and securities; tickets and documents; sporting equipment if loss or damage results
from the use thereof.
Any Loss Caused By Or Resulting From: breakage of brittle or fragile articles, cameras,
musical instruments, radios, and similar property; 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.
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Plan Cost and Term of Coverage:
How much does the Cancel For Any Reason & Travel Protection Plan cost?
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Trip Cost Per Person
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Plan Cost Per Person land only packages all destinations except Europe and East
Mediterranean Destinations
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Plan Cost Per Person vacation packages all destinations except Europe and East Mediterranean
Destinations
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Plan Cost Per Person as of July 12, 2007 for travel dates within: 12/21/2007 - 1/3/2008,
2/10/2008 - 2/24/2008, 3/16/2008 - 3/25/2008, 4/17/2008 - 4/27/2008, 12/21/2008
- 1/3/2009, all destinations except Europe and East Mediterranean Destinations
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$0-$999.99
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$89
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$89
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$30 fee added to land only or vacation package pricing
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$1000.00 - $1499.99
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$99
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$114
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$30 fee added to land only or vacation package pricing
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$1500.00 and up
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$109
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$129
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$30 fee added to land only or vacation package pricing
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Child Rate
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0 - 12 Years old
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$45
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$45
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$45
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Trip Cost Per Person
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Plan Cost Per Person all European and East Mediterranean land only packages Destinations
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Plan Cost Per Person vacation packages all European and East Mediterranean Destinations
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Plan Cost Per Person as of July 12, 200 7for travel dates within: 12/21/2007 - 1/3/2008,
2/10/2008 - 2/24/2008, 3/16/2008 - 3/25/2008, 4/17/2008 - 4/27/2008, 12/21/2008
- 1/3/2009, European and East Mediterranean Destinations
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$0-$999.99
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$109
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$109
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$30 fee added to land only or vacation package pricing
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$1000.00 and up
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$129
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$139
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$30 fee added to land only or vacation package pricing
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Child Rate
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0 - 12 Years old
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$45
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$45
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$45
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- This protection is valid only if payment is received with Your initial Trip cost.
- The Cancellation Fee Waiver is effective on the date payment is received by Travel
Impressions. All coverages in Section II take effect at the time of Your contracted
Trip departure date.
- All coverages shall terminate on the earlier of the following events:
- Your return to Your origination point as specified in the travel tickets.
- 11:59P.M. local time at Your location on the day the Trip is completed.
- The duration of coverage shall be extended under the following conditions:
- When You commence traveling from Your origination point within 1 day before commencement
of the Trip arrangements by Travel Impressions, coverage shall apply from the time
of departure from the origination point.
- If You return to Your origination point within 1 day after the completion of the
Trip arranged by Travel Impressions, coverage shall apply until the time of return
to the origination point.
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Where to Report Claims:
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Policy # 3041-9500360
1. Trip Cancellation Claims - Call Travel Impressions, Your travel
agent, and BerkelyCare IMMEDIATELY. BerkelyCare will then forward You the appropriate
form which must be completed by You. If you need to cancel on the day of departure
and the travel agency's office is closed, please call (631) 845-8000, Ext 2904.
Failure to contact Travel Impressions will forfeit Your coverage reimbursement.
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BerkelyCare
P.O. Box 9366
Garden City, NY 11530
Office Hours 9AM - 5PM EST
Monday - Friday
800-453-4053
516-294-0220
www.travelclaim.com
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2. Claims Notification Upon Your Return - Report Your claims 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 claim form to
complete.
IMPORTANT - In order to facilitate prompt claims settlement upon
Your return, be sure to obtain as applicable: detailed medical statements from Physicians
in attendance where the Sickness or Injury occurred; receipts for medical services
and supplies; receipts from the hospital; or police reports or claims reports from
parties responsible (i.e., airline, hotel, etc.) for loss, theft, damage, or delay.
In the event of a baggage claim, receipts for any lost or damaged items will be
required.
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Enrollment Procedure:
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1. In order to quickly effect coverage and protect Your Trip payment(s), make payment
for the applicable plan cost to Your travel agent/Travel Impressions upon booking
Your Trip (in addition to Your initial payment).
2. Payment for this plan will not be accepted after the initial Trip payment has
been made.
3. Eligibility: Available to U.S. and Canadian residents only.
Benefits are extended, at no additional charge, to infants 2 years of age or under
sharing accommodations with an accompanying adult so long as ALL accompanying adults
purchase their own Cancel for Any Reason & Travel Protection Plan.
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BerkelyCare
Travel Industry Insurance
For Additional Information,
Call the Travel Impressions Desk at:
800-453-4053
or
516-294-0220
Important: Section II is provided by National Union Fire Company
of Pittsburgh, PA
Executive Offices: New York, NY
A Member Company of American International Group
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