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While travel emergencies are never anticipated when planning a vacation, they can and do happen. An unexpected illness could force you to cancel your long-awaited trip at the last moment. Or an emergency while vacationing overseas could require English-speaking assistance. This program offers an easy and convenient way to purchase supplemental coverage against these unfortunate incidents at an attractive group rate. Comparable coverage could cost up to twice the indicated plan cost amount. It is important to note that most government sponsored health plans generally pay only a portion of medical and hospital expenses incurred when you’re traveling outside your country.

DESCRIPTION OF COVERAGE

Policy No. 144-9500122

PART A—TRAVEL ARRANGEMENT PROTECTION

Trip Cancellation…………………...........................…………………Total Cruise Cost

Trip Interruption ………………………...............................................Total Cruise Cost

Trip Delay ……………………………………….................................$4,000

PART B—MEDICAL PROTECTION

Emergency Evacuation, Repatriation of Remains, Accident & Sickness Medical Expenses…………………………………………………………........$30,000

PART C—BAGGAGE PROTECTION

Baggage/Personal Effects .....................................................................$1,500

Baggage Delay ......................................................................................$250

PART D—TRAVEL ACCIDENT PROTECTION

Accidental Death & Dismemberment....................................................$60,000

PART E—WORLDWIDE EMERGENCY ASSISTANCE (AIG ASSIST)

Traveler’s Assistance………………………………………………....24 Hours

Emergency Dental and Medical Assistance…………………………..24 Hours

Emergency Legal Assistance………………………………………....24 Hours

Emergency Cash Transfer…………………………………………….24 Hours

Lost Documents and Belongings……………………………………..24 Hours

Immediate Medical Payments ..............................................................24 Hours

Coverage in Part A is subject to a Pre-Existing Condition limitation. Please read this policy in its entirety for a complete description of all coverage terms and conditions.

This program is effective when the appropriate plan cost has been paid. Designed exclusively for the guests of Clipper Cruises. 

PART A. TRAVEL ARRANGEMENT PROTECTION

Trip Cancellation/Trip Interruption

In the event You are prevented from traveling due to: 1) an Injury, Sickness, or death to yourself, Your Traveling Companion, or an Immediate Family member; or 2) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, involved in a traffic accident en route to departure, or having Your home made uninhabitable by fire, flood, or natural disaster; the Insurer will pay benefits up to Your total Trip cost for the covered expenses stated below:

Trip Cancellation Covered Expenses: (a) non-refundable cancellation (and administrative) charges imposed by Clipper, and/or airfare cancellation charges imposed by the airline(s) which provided direct flight connections to join or depart Your Trip; or (b) additional costs You may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if Your Traveling Companion cancels his/her Trip for one of the covered reasons and You do not. In no event shall the amount reimbursed exceed the amount You paid for Your Trip.

Trip Interruption Covered Expenses: (a) the amount of unused, non-refundable sea or land arrangements prepaid to Clipper for Your Trip; (b) the greater of either: (i) the amount of the unused, non-refundable prepaid air arrangements which formed a part of the Trip; or (ii) the airfare paid by You, less the value of applied credit from Your unused return travel ticket, to return to Your point of origin or to rejoin the original Trip, limited to the cost of economy one-way airfare (or first class if Your original tickets were first class) by the most direct route; and (c) the cost of reasonable additional accommodation and transportation expenses incurred to remain with a Traveling Companion or Immediate Family member who is hospitalized during Your Trip, up to $100 per day (subject to a maximum of $1,000).

NOTE: The event which necessitated the Trip Cancellation/Trip Interruption must occur after the effective date of coverage.

Special Conditions - You must advise Your Vacations To Go cruise counselor, Clipper and BerkelyCare as soon as possible in the event of a claim. The Insurer will not pay benefits for any additional charges incurred that would not have been charged had You notified these parties as soon as reasonably possible.

Important: The above benefits are subject to a Pre-Existing Condition limitation (see below) and other exclusions.

Trip Delay

The Insurer will pay benefits for Covered Expenses, up to $4,000, if Your Trip is delayed due to inclement weather, strike or other job action, or equipment failure of a Common Carrier; a traffic accident en route to a departure in which You or Your Traveling Companion is not directly involved; lost or stolen passports; hijacking; natural disaster; civil commotion or riot.

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

NOTE: In order for benefits to apply, documentation of attempts to arrange for alternative transportation for up to two days beyond the original travel dates must be provided.

PRE-EXISTING CONDITIONS

THE INSURER WILL NOT PAY UNDER COVERAGES IN PART A FOR ANY CLAIMS ARISING FROM ANY INJURY, SICKNESS, OR OTHER CONDITION OF YOURSELF, YOUR TRAVELING COMPANION, OR IMMEDIATE FAMILY MEMBERS TRAVELING 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 CAUSING 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.

PLEASE NOTE: ALL COVERED REASONS FOR CANCELLATION OR INTERRUPTION OF YOUR TRIP MUST FIRST OCCUR AFTER YOUR EFFECTIVE DATE OF COVERAGE.

If you have any questions concerning this exclusion, please call your Vacations To Go Cruise Counselor for further clarification.

PART B. MEDICAL PROTECTION

Emergency Evacuation

The Insurer will pay benefits for Covered Expenses, up to $30,000, 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 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 where You reside 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. 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.  Expenses for medical services and supplies must be recommended by the attending Physician.

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 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 Trip.

Repatriation of Remains

The Insurer will pay the reasonable Covered Expenses incurred, up to $30,000, to return Your body to where You reside if You die during the Trip.

Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation.

Accident & Sickness Medical Expense

The Insurer will pay benefits, up to $30,000, 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 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.

IMPORTANT: In no event shall the Insurer pay more than a total of $30,000 for all expenses incurred in connection with benefits provided under Part B.

EXCESS INSURANCE 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.

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 either the cost of repair or replacement. There will be a combined maximum limit of $1,000 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

The Insurer will reimburse You for expenses of necessary personal effects, up to $250, if Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time You arrive at the destination stated on Your ticket. You must be a ticketed passenger on a Common Carrier.

Important: Coverage for benefits in Part C is secondary to any coverage provided by a Common Carrier and/or insurance specifically insuring the lost, stolen, or damaged item(s). Please note that items specifically excluded from this coverage are listed.

PART D. TRAVEL ACCIDENT INSURANCE

Accidental Death & Dismemberment

If You sustain an Injury on the Trip which results in death or loss of limb, eyesight, speech, or hearing within 365 days of the date of the accident, the Insurer will pay the largest applicable amount as follows: the benefit amount shown in the Schedule of Coverages for death, loss of speech and hearing in both ears, or loss of any combination of two hands, feet, or eyes; one-half the benefit amount for loss of any one of these; and one-quarter the benefit amount for loss of thumb and index finger of the same hand. In no event will the Insurer pay more than the maximum benefit amount shown on the Schedule of Coverages for all losses due to the same accident.

NOTE: Maximum benefits for any one single accident are limited to $1,000,000 aggregate for all insured persons.

Beneficiary: Your estate, unless notice of a designated beneficiary is provided to BerkelyCare, Ltd.

PART E. WORLDWIDE EMERGENCY ASSISTANCE (AIG ASSIST)

The above-mentioned coverage benefits provide reimbursement of covered losses and expenses. Sometimes, however, You need on-the-spot help for an unexpected travel emergency or complication arising during Your Trip. Clipper’s Exclusive Passenger Travel Protection Program provides for this possibility as well by including a 24-hour emergency telephone assistance service. Simply call one of AIG Assist’s assistance centers collect, any time of the day or night, to receive reassuring English-speaking help and advice. The worldwide assistance services available through AIG Assist include the following:

Traveler’s Assistance

Whether You’d simply like to inquire about weather conditions or health requirements at Your intended travel destination or need immediate help in obtaining a lost prescription, medicine, or communicating with foreign authorities, AIG Assist’s multilingual staff is experienced in providing both pre-departure information as well as on-the-spot assistance for a variety of travel emergencies.

Emergency Dental and Medical Assistance

Unexpected medical and dental emergencies can happen anywhere, anytime. Should You need local medical care during Your Trip, AIG Assist will help You locate an English-speaking Physician or dentist or the nearest qualified medical facility. AIG Assist can also assist in contacting Your personal Physician or family, if necessary, to provide information on the care You are receiving and arrange for special emergency medical transportation.

IMPORTANT: Emergency medical transportation arrangements MUST be authorized in advance by AIG Assist in order for the evacuation coverage benefits to apply.

Emergency Legal Assistance

Should You encounter a legal problem in unfamiliar surroundings, AIG Assist can assist You in locating nearby English-speaking counsel.

Emergency Cash Transfer

If Your wallet is stolen or You need emergency cash for unexpected expenses, AIG Assist can help arrange for a funds transfer through Your credit cards, family, or employer.

Lost Documents and Belongings

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.

Immediate Medical Payments

Many foreign hospitals require immediate settlement of bills before treatment or insist that You surrender Your passport which they will hold until they receive full payment. Physicians and hospitals worldwide can contact AIG Assist to confirm coverage and, if required, arrange immediate settlement of Covered Medical Expenses.

EMERGENCY ASSISTANCE NUMBERS

For traveler’s assistance or emergencies during Your Trip, call: 1-(800) 543-3797, from outside the U.S. and Canada, call collect* 1-(972) 699-0200 (U.S.A.) Fax: 1-(713) 974-3422 and reference AIG Assist Group No. A-508

Note that the problems of distance, information, and communications make it impossible for the Insurer, its agents, or its assistance contractors to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, You are still responsible for obtaining, using and paying for Your own required services of all types.

DEFINITIONS

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

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

3. “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 spouse, common-law spouse, aunts, uncles, nieces, nephews, or a Business Partner of You or Your Traveling Companion.

4. “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.

5. “Insurer”—means National Union Fire Insurance Company of Pittsburgh, PA.

6. “Physician” —means a licensed practitioner of the healing arts acting within the scope of his/her license. The treating Physician may not be yourself, a member of Your Immediate Family, a Traveling Companion, or a member of Your Traveling Companion’s Immediate Family.

7. “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.

8. “Traveling Companion”—means one person who is booked to accompany You on Your Trip.

9. “Trip”—means travel arrangements made by CLIPPER (see extension under Plan Cost and Term of Coverage section) 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.

10. “You” or “Your”—means one person who has purchased a Trip and who has paid the required plan cost for the coverage provided hereunder.

EXCLUSIONS

Naturally, as with any protection program, 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 to supplement Your existing insurance plans.

THIS PROGRAM DOES NOT COVER:

IN PART A:

ANY LOSS CAUSED BY OR RESULTING FROM: Pre-Existing Conditions.

IN PARTS A, B, & D:

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, semiprofessional, 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; scuba diving; skydiving, snow skiing; hang gliding, parachuting

(not including parasailing); contests of speed; elective surgery; elective, non-emergency dental treatment; 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; 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 such as 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.

IN PART D: Suicide or attempted suicide while sane; intentionally self-inflicted injuries.

PLAN COST & TERM OF COVERAGE

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

2) The Trip Cancellation coverage provided under PART A takes effect upon receipt of the required plan cost by Clipper; the remaining coverages and services provided take effect at 12:01 a.m. local time at Your location on Your contracted Trip departure date.

3) All coverages and services shall terminate on the earlier of the following events: (a) Your return to Your origination point (as specified in the travel tickets); (b) 11:59 p.m. local time at Your location on the day the Trip is completed.

4) The duration of coverage shall be extended for any combination of 5 days maximum, before the commencement or after the termination of Your Trip.

Reminder: Only arrangements booked through Clipper are covered under the Trip Cancellation and Trip Interruption benefits.

CLAIMS PROCEDURE

POLICY NO. 144-9500122

1) TRIP CANCELLATION CLAIMS: Call Clipper, Your Vacations To Go cruise counselor, and BerkelyCare IMMEDIATELY at the numbers below to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will advise You on how to obtain the appropriate form which must be completed by You and the attending Physician, if applicable.

BerkelyCare: 1-(800) 343-3553

2) EMERGENCIES ARISING DURING YOUR TRIP: For traveler’s assistance and covered emergencies requiring evacuation or interruption of Your Trip, call AIG Assist immediately at one of the numbers below. Identify yourself by the above policy number and give the details of Your problem or medical emergency.

1-(800) 543-3797 (Within the U.S. and Canada)

1-(972) 699-0200* (From outside the U.S. and Canada, call collect)

Fax: 1-(713) 974-3422

*If You have any difficulty making this collect call, contact the local telephone operator to connect You to a U.S.-based long-distance service. In this case, please inform the Assistance Provider the telephone number from which You are calling, so they may call You back. All charges for the call will be considered reimbursable benefits.

IMPORTANT: In order to facilitate prompt claims settlement upon Your return, be sure to obtain as applicable:

ACCIDENT & SICKNESS MEDICAL CLAIMS: Receipts from the treating Physicians, etc., stating the amounts paid and listing the diagnosis and treatment; submit these first to other medical plans. Forward a copy of their final disposition of Your claim to BerkelyCare, Ltd.

TRIP INTERRUPTION: Medical statements from the doctors in attendance in the country where Sickness or accident occurred. These statements should give complete diagnosis, stating that the Sickness or accident prevented traveling on dates contracted. Provide all unused transportation tickets, official reports, etc.

BAGGAGE CLAIMS: Police reports, claims reports from parties responsible (i.e., airline, cruise line, hotel, etc.), or a statement from Trip escort for loss, theft, or damage to personal belongings. Submit claim first to party responsible. Forward copies of the outcome of Your claim to BerkelyCare, Ltd. with the appropriate documentation.

TRIP OR BAGGAGE DELAY CLAIMS: Receipts for any additional covered expenses, as well as verification of the delay.

3) CLAIMS NOTIFICATION UPON YOUR RETURN: Report Your claim in writing as soon as possible to BerkelyCare at the address below. Provide the policy number, 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.

BerkelyCare, Ltd. Telephone: 1-(800) 343-3553

P.O. Box 9366 1-(516) 294-0220

100 Garden City Plaza Office Hours:

Garden City, NY 11530 9 a.m. to 5 p.m. (EST)

ENROLLMENT PROCEDURE

For Your convenience, the cost of the coverage will be billed on Your final payment invoice and included in the total balance due. Enrollment in the Exclusive Passenger Travel Protection Program is made by simply paying this amount. If You do not wish to take advantage of this coverage, simply ask Your Vacations To Go cruise counselor to deduct the cost of the coverage.

IMPORTANT: The plan cost is itemized on Your invoice separately and is NOT included in Your deposit. Payment for the coverage may not be accepted after the Trip cost has been paid in full. The coverage payment may be refundable if Clipper receives Your request prior to the commencement of Clipper’s penalty period.

ELIGIBILITY — This coverage is available to U.S. residents only.

This program was designed specifically for the ease and convenience of Clipper’s passengers.

FOR ADDITIONAL INFORMATION REGARDING THIS PROGRAM:

Call BerkelyCare at:

1-(800) 343-3553

or

1-(516) 294-0220

Office Hours 9AM – 5PM (E.S.T.)

Ask for the Clipper Desk

This plan is underwritten by:

National Union Fire Insurance Company of Pittsburgh, PA

Executive Offices: New York, New York 10270

A Member Company of American International Group

Prices, terms, and conditions listed in this summary are subject to change without notice, and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking.

If you book a Clipper cruise, you can purchase insurance from Clipper (Exclusive Passenger Travel Protection Program) or from the independent insurance provider, CSA. Click here to see details of the CSA Vacation Guarantee.