Uniworld Travel Insurance Plan

DESCRIPTION OF COVERAGE - Policy Number HTP06233

Schedule of Coverages & Services	Maximum Benefit (Per Insured) Up to:
PART A: TRAVEL ARRANGEMENT PROTECTION Trip Interruption Trip Delay	Total Trip Cost $1,000
PART B: MEDICAL PROTECTION Emergency Evacuation and Repatriation of Remains Medical & Dental Expense	$50,000 $25,000
PART C: BAGGAGE PROTECTION Baggage/Personal Effects Baggage Delay	$1,500 $500
PART D: TRAVEL ACCIDENT PROTECTION Accidental Death & Dismemberment Air Common Carrier Only (Air Flight Accident) Any Other Circumstance	$100,000 $50,000
PART E: WORLDWIDE EMERGENCY ASSISTANCE (On Call International) CareFreeTM Travel Assistance Medical Assistance Emergency Services	24/7 24/7 24/7

The benefits provided in this plan are subject to certain restrictions and exclusions, including the Pre-Existing Condition exclusion mentioned below. Please read this Web page in its entirety for a complete description of all terms and conditions.

PART A: TRAVEL ARRANGEMENT PROTECTION
Trip Interruption
In the event You are prevented from continuing on Your Trip 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 Trip; 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 Trip cost for 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). Important: The Sickness or Injury causing You to interrupt Your Trip must be verified by a Physician before You terminate the Trip. 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 Trip. In no event shall the amount reimbursed exceed the amount You prepaid for Your Trip.

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 event which necessitated the trip interruption must occur after Your effective date of Trip Interruption coverage. Benefits will not be paid for expenses not refunded in the event of the airline's or Uniworld's insolvency.

Trip Delay
The Insurer will pay benefits for Covered Expenses, up to $1,000, if Your flight en route to or from Your Land/Sea Arrangements is delayed for 12 hours or more 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. 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 of origin shown on the travel documents.

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 Repatriation of Remains benefits for Transportation to return Your body to Your point of origin in the event of Your death during Your Trip. 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:
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. 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 means the cost, according to airline tariffs, of the shipment of Your deceased 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.

PLEASE NOTE: In no event will Covered Expenses for Emergency Evacuation and Repatriation of Remains exceed $50,000.

Medical & Dental Expense
The Insurer will pay benefits, up to $25,000, if You incur necessary Covered Medical and Dental Expenses as a result of an Injury or 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.

Covered Medical and 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.

Important: Medical and Dental Expense benefits are subject to the Pre-Existing Condition exclusion detailed below and other exclusions listed on Pages 8 - 9.

PRE-EXISTING CONDITIONS - THE INSURER WILL NOT PAY UNDER COVERAGES IN PARTS A & B (EXCEPT 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 THE 60-DAY PERIOD BEFORE YOUR COVERAGE BEGAN UNDER THIS PROTECTION PLAN: (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.

IMPORTANT: Uniworld will waive this Pre-Existing Condition exclusion if You make payment for this coverage on the date of Your deposit or initial Trip payment to Uniworld, provided that You, Your Traveling Companion and Your Immediate Family Member booked to travel with You is medically capable of travel on the day You purchase this coverage.

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.

The maximum benefit per article is $250. There will be a combined maximum 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 lost cameras and their related equipment.

Baggage Delay
You will be reimbursed for expenses of necessary personal effects, up to $500, 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 COVERAGE 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 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 anyone 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. The Air Common Carrier (Air Flight Accident) benefit applies only to Injury sustained by You while in, on, boarding, or alighting from an air conveyance organized and licensed for the transportation of passengers for hire; or after being struck or run down by an aircraft.

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

PART E: WORLDWIDE EMERGENCY ASSISTANCE (On Call International)
Not a care in the world... when you have a 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 Services

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, CareFreeTM Concierge, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-888-263-4941 or, from outside the U.S. or Canada, call collect*: 1-603-898-9159.

DEFINITIONS
1. “Air Common Carrier” - means an air conveyance operating under a valid license for the transportation of passengers for hire.
2. “Common Carrier” - means an air, land, or sea conveyance operating under a valid license for the transportation of passengers for hire.
3. “Domestic Partner” – means a person who is at least 18 years of age and has met the following requirements for at least six (6) months: (1) resides with You; and (2) shares financial assets and obligations with You. The Insurer may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.
4. “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 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.
7. “Land/Sea Arrangements” - means land and/or sea arrangements made by Uniworld.
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. “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. “Travel Supplier” - means the tour operator, cruise line, and/or airline providing travel arrangements for Your Trip.
11. “Traveling Companion” - means one person who is booked to accompany You on Your Trip.
12. “Trip” - means prepaid Land/Sea Arrangements and shall include flight connections to join and depart such Land/Sea Arrangements.
13. “You” or “Your” - means a 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 plan, limitations exist. These exclusions enable Uniworld 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 PROTECTION PLAN DOES NOT COVER:
IN PARTS A, B, & D (except Emergency Evacuation and Repatriation of Remains):
ANY LOSS CAUSED BY OR RESULTING FROM: Pre-Existing Conditions.
IN PARTS A, B, & D: ANY LOSS CAUSED BY OR RESULTING FROM: suicide or attempted suicide while sane; intentionally self-inflicted injuries; 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; scuba diving; skydiving; snowskiing; hang gliding; parachuting (not including parasailing); contests of speed; elective surgery; dental treatment except as a result of Injury to sound, natural teeth; 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; personal computers.
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.

TERM OF COVERAGE
1. This protection is valid only upon payment to Uniworld of the total required plan cost in advance of any losses and will not cover any losses suffered prior to purchase.
2. The Trip Interruption protection provided under Part A takes effect upon receipt of the required plan cost by Uniworld and ends upon the commencement of Your Land/Sea
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 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; or (c) the date You cancel Your Trip.
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 the Land/Sea Arrangements, the extension coverage shall be provided only on the day of Your air travel; and (b) if Your 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 exclusion coverage shall be provided only on the day of Your air travel.

WHERE TO REPORT CLAIMS - POLICY NO. HTP06233
1. EMERGENCIES ARISING DURING YOUR TRIP: For covered emergencies requiring evacuation, contact On Call International immediately at the following numbers: Within the U.S. and Canada: 1-(888) 263-4941 or, outside the U.S. and Canada, call collect: 1-(603) 898-9159. Identify yourself by the above policy number and give the details of Your problem or medical emergency.
2. TRIP INTERRUPTION CLAIMS: Contact Uniworld and BerkelyCare IMMEDIATELY to notify them of Your interruption. BerkelyCare will then forward the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.
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 claim form to complete.

BerkelyCare 1-(800) 797-2279
300 Jericho Quadrangle 1-(516) 342-2720
P.O. Box 9022 Office Hours:
Jericho, NY 11753 8AM
www.travelclaim.com

Policy terms and conditions are briefly outlined in this Description of Coverage. Complete provisions pertaining to this protection plan are contained in the Master Policy on file with the trustee, Marine Bank, Springfield and Uniworld.

This is not a complete description of all benefits and limitations. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. 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 Uniworld cruise, you can purchase insurance from Uniworld (Worry-Free Travel Protection) or from the independent insurance provider, CSA. Click here to see details of the CSA Vacation Guarantee.