DESCRIPTION OF COVERAGE
Policy No. 2058-9500336
SCHEDULE OF COVERAGES MAXIMUM BENFIT
AND SERVICES (Per Insured) UP TO:
PART A. TRAVEL
ARRANGEMENT PROTECTION
Trip
Cancellation.....................................................................Total Cruise Cost
Trip
Interruption......................................................................Total Cruise Cost
Trip Delay............................................................................... $1,000
PART B. MEDICAL PROTECTION
Emergency Evacuation and Repatriation of Remains......... $25,000
Accident Medical
Expense...................................................... 10,000
Sickness Medical
Expense...................................................... 10,000
PART C. BAGGAGE
PROTECTION
Baggage/ Personal
Effects..................................................... $2,500
Baggage/ Delay (Air
Only).......................................................1,000
PART D. TRAVEL
ACCIDENT PROTECTION
Accidental Death
& Dismemberment
Common Carrier (Air
Only)....................................... $75,000
PART E. WORLDWIDE EMERGENCY
ASSISTANCE (AIG ASSIST)
Emergency Cash
Transfer Assistance.................................. 24 Hours
Medical Consultation
& Monitoring..................................... 24 Hours
Emergency Legal
Assistance................................................. 24 Hours
Emergency Medical
& Dental Assistance............................ 24 Hours
Lost Travel Documents
Assistance....................................... 24 Hours
Emergency Medical
Payment Assistance............................. 24 Hours
The benefits in this
policy are subject to certain restrictions and exclusions, including the
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 Regent Seven Seas Cruises.
PART A. TRAVEL
ARRANGEMENT PROTECTION
Trip
Cancellation/Trip Interruption
In the event You are prevented from taking Your Cruise
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, quarantined, 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 Cruise cost for:
(a) Trip Cancellation
– non-refundable cancellation charges imposed by Regent Seven Seas
Cruises and/or airfare cancellation charges for flights joining or departing
Your Land/ Sea 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 person booked to share accommodations with You 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 Regent Seven
Seas Cruises and/or the airfare paid, less the value of applied credit from an
unused return travel ticket, to return home or rejoin the original Land/Sea Arrangements
(limited to the cost of one-way economy airfare by scheduled carrier, from the
point of destination to the point of origin shown on the original travel
tickets).
The Insurer will also pay benefits, up to $100 per day, for
reasonable additional accommodations and transportation expenses incurred to
remain near a covered traveling Immediate Family member or Traveling Companion
who is hospitalized during your cruise.
In no event shall the amount reimbursed exceed the amount
You prepaid for Your Cruise.
Special Conditions:
You must advise Your Vacations To Go cruise counselor, Regent Seven Seas
Cruises 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 due to the airline’s or Regent
Seven Seas Cruises’ insolvency.
Trip Delay
The Insurer will pay benefits for Covered Expenses, up to
$1,000, if Your Cruise is delayed en route to or from Your Land/Sea
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;
civil commotion or riot.
Covered Expenses include
any prepaid, unused, non-refundable Land/Sea Arrangements, any reasonable
additional expenses for meals and lodging, and the cost of a one-way economy
airfare ticket to catch up to the Land/Sea Arrangements or return to the place
or origin shown on the travel documents.
PART B. MEDICAL
PROTECTION
Emergency
Evacuation/Repatriation of Remains
The Insurer will pay benefits for Covered Expenses, up to
$25,000, 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
Injury or Sickness warrants an Emergency Evacuation. Emergency Evacuations must
be verified, approved, and arranged in advance by AIG Assist. The Insurer will
also pay Repatriation of Remains benefits for Transportation, to return Your
body to Your point of origin in the event of Your death during Your cruise.
Emergency Evacuation
means:
a) Your medical condition warrants immediate transport 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
treatment or to recover.
Covered Expenses are
customary and reasonable expenses, up to $25,000, 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 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 Cruise.
Additional Covered
Expenses: If you are hospitalized for more than seven days following a
covered Emergency Evacuation, the Insurer will pay: (a) to return Your
accompanying dependent children under age 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 alone. These expenses must be authorized in advance by AIG
Assist.
Repatriation of
Remains
The Insurer will pay the reasonable Covered Expenses
incurred, up to $25,000, 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.
In no event will all benefits paid under Emergency
Evacuation and Repatriation or Remains exceed $25,000.
Accident &
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.
Important: Medical
Expense benefits are subject to the Pre-Existing Condition limitation detailed
below and other exclusions listed below.
PRE-EXISTING
CONDITIONS
THE INSURER WILL NOT
PAY UNDER COVERAGES IN PARTS A & B (EXCEPT FOR EMERGENCY EVACUATION AND
REPATRIATION OF REMAINS) 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 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 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 CRUISE MUST FIRST
OCCUR AFTER YOU EFFECTIVE DATE OF COVERAGE.
If you have any
questions concerning this exclusion, please call your Vacations To Go Cruise
Counselor for further clarification.
PART C. BAGGAGE
PROTECTION
Baggage/Personal
Effects
The Insurer will reimburse You, up to $2,500, 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. The maximum
benefit per article is $250. There will be a combined maximum limit of $500 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 (Air
Only)
You will be reimbursed for expenses of necessary personal
effects, up to $1,000, 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.
EXCESS COVERAGE
PROVISION
THE INSURANCE PROVIDED UNDER PARTS A, B and C SHALL BE IN EXCESS OF ALL
OTHER VALID and COLLECTIBLE INSURANCE or INDEMNITY and SHALL APPLY ONLY WHEN
SUCH OTHER BENEFITS ARE EXHAUSTED.
PART D. TRAVEL
ACCIDENT PROTECTION
Accidental Death
& Dismemberment
If you sustain an Injury on the Cruise while as a passenger
in, on, boarding or alighting from an air conveyance organized and licensed for
the transportation of passengers for hire 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.
Beneficiary: Your
estate, unless notice of a designed beneficiary is provided to BerkelyCare,
Ltd.
PART E. WORLDWIDE
EMERGENCY ASSISTANCE (AIG ASSIST)
AIG Assist provides a 24-hour emergency telephone assistance
service for Your benefit so that, in the event of an emergency during the term
of this coverage, English-speaking help and advice may be furnished.
Emergency Cash
Transfer Assistance:
If You need emergency cash during Your Cruise, 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 Cruise, 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 Cruise, 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
& Dental Assistance:
Unexpected medical and dental emergencies can happen
anywhere, anytime. You may be in unfamiliar surroundings when You suddenly need
medical or dental care. 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.
TO ACCESS EMERGENCY ASSISTANCE, CALL 1-(800) 543-3797 OR, FROM OUTSIDE
THE U.S. or CANADA, CALL COLLECT*: 1-(972) 699-0200, or TELEX
49619822 (ACCESSIBLE WORLDWIDE).
Note that the problems of distance, information and
communications make it impossible for National Union Fire Insurance Company,
BerkelyCare, Ltd., or AIG Assist (AIAS) 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 as 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 license or the
transportation of passengers for hire.
3. “Cruise”-
means prepaid Land/Sea Arrangements and shall include flight connections to
join and depart such Land/Sea Arrangements.
4. “Immediate
Family”- means children, step- or adopted children, children-in-law,
parents, parents-in-law, siblings, siblings-in-law, grandparents,
grandchildren, legal or common law spouse, aunts, uncles, nieces, nephews or a
Business Partner of You or Your Traveling Companion.
5. “Injury”- means
bodily injury caused by an accident occurring while this policy is in force and
resulting directly and independently of all other causes in loss covered by
this policy. The Injury must be verified by a Physician.
6. “Insurer”- means
National Union Fire Insurance Company of Pittsburgh,
PA.
7. “Land/Sea
Arrangements”- means land and/or sea arrangements made by Regent Seven
Seas Cruises.
8. “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 Traveling Companion, or
an Immediate Family member.
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 policy.
10. “Traveling
Companion”- means one person who is booked to accompany You or Your Cruise.
11. “You” or “Your”- means
a person who has purchased a Cruise 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 INSURANCE DOES
NOT COVER:
IN PARTS A & B (except Emergency Evacuation, Repatriation of
Remains and Trip Cancellation/Trip Interruption claims resulting from death):
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 or 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;
skydiving; snowskiing; 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, 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:
ANY LOSS CAUSED BY OR
RESULTING FROM: suicide or attempted suicide while sane and intentionally
self-inflicted injuries.
TERM OF COVERAGE
1) This protection is valid only upon payment of the total
required plan cost and will not cover any losses suffered prior to purchase.
2) If You have already paid Your deposit, remit payment for
the applicable plan cost separately to Your travel agent or Cruise Operator.
The Trip Cancellation Protection will become effective on the date this payment
is received by the Cruise Operator.
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 Land/Sea 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 Land/Sea Arrangements
are scheduled to be completed.
4) The duration of coverage shall be extended under the
following conditions: (a) when You commence air travel from Your origination
point (i) within 2 days before the commencement of the Land/Sea Arrangements,
coverage shall apply from the time of departure from the origination point;
(ii) greater than 2 days before the commencement of Land/Sea 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 Land/Sea
Arrangements, coverage shall apply until the time of return to the origination
point; (ii) greater than 2 days after the completion of the Land/Sea
Arrangements, the extension coverage shall be provided only on the day of Your
air travel.
5) PLEASE NOTE- Payment
for the program may not be accepted after the Cruise cost has been paid in
full.
6) Eligibility- This plan is available to U.S.
and Canadian residents only.
CLAIMS PROCEDURE
POLICY NO. 2058-9500336
1) EMERGENCIES ARISING
DURING YOUR TRIP: For covered emergencies requiring evacuation or
interruption of Your Trip, call AIG Assist immediately at the numbers below.
Identify yourself by the above policy number and give the details of Your problem
or medical emergency.
2) TRIP CANCELLATION
CLAIMS: Call Regent Seven Seas Cruises, your Vacations To
Go cruise counselor, and BerkelyCare IMMEDIATELY to notify them of Your
cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare
will then forward the appropriate claim form which must be completed by You AND
THE ATTENDING PHYSICIAN, if applicable.
BerkelyCare, Ltd.: 1-(800) 453-4023
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 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 accident or Sickness occurred; receipts for medical services and
supplies; receipts from the hospital; police reports or claims reports from
parties responsible (e.g., airline, hotel, etc.) for loss, theft, damage, or
delay. In the event of a baggage delay or a trip delay claim, receipts for any
additional covered expenses will be required, as well as verification of any
delay.
WHERE TO REPORT CLAIMS
1. WORLDWIDE
EMERGENCY ASSISTANCE (AIG ASSIST)
For traveler’s assistance or emergencies during Your Cruise,
call within the U.S.
and Canada:
1-(800) 543-3797
or, outside the U.S.
and Canada,
call collect*:
1-(972) 699-0200
Telex No. 49619822
Accessible Worldwide
*If you have any
difficulty making this collect call, contact the local phone operator to
connect you to an 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 reimbursed benefits.
2. FOR ALL OTHER
CLAIMS:
Write to: Telephone:
BerkelyCare, Ltd. 1-(800) 453-4023
100 Garden City Plaza or
P.O.
Box 9366 1-(516) 294-0220
Garden City, New
York 11530
Office hours 9AM-5PM (E.S.T.)
ENROLLMENT PROCEDURE
1. For Your convenience, the cost of the coverage will be
automatically added to the amount due on Your Cruise invoice. Enrollment in the
Guest Travel Protection Program is made simply by paying this amount. If You do
not wish to take advantage of this program, please deduct the cost of the
coverage from Your invoice.
2. PAYMENT FOR THE COVERAGE CANNOT BE ACCEPTED AFTER YOUR
Regent SEVEN SEAS CRUISE HAS BEEN PAID IN FULL.
3. If You plan additional traveling more than two days
before or after Your Regent Seven Seas Cruise, please call BerkelyCare to
obtain information on how to extend coverage.
4. The plan cost for the coverage is non-refundable once You
enter the cancellation penalty period as stated by Regent Seven Seas Cruises.
This program was designed for the guests of Regent Seven
Seas Cruises by:
BerkelyCare, Ltd.
Travel Industry Insurance
FOR ADDITONAL INFORMATION REGARDING THIS PLAN:
Call BerkelyCare at:
1-(800) 453-4023
or
1-(516) 294-0220
Office Hours 9AM - 5PM (E.S.T.)
Ask for the Regent Seven Seas Desk
This insurance plan is underwritten by:
National Union Fire Insurance Company of Pittsburgh,
PA
Executive Offices: New York,
New York
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 Regent Seven Seas cruise, you can purchase
insurance from Regent (Guest Travel Protection Program) or from the
independent insurance provider, CSA. Click here to see details of the
CSA Vacation Guarantee
