NorwegianCare Travel Protection Plan

Administrator: Aon Affinity
Insurance Company: Nationwide®
Emergency Assistance Provider:
CareFree Travel Protection^TM
 
File a claimFile a Claim: www.aontravelclaim.com
 
NorwegianCare Travel Protection Plan Details

• Cancellation protection is provided by Norwegian Cruise Line in all states except NY. In NY, Trip Cancellation is underwritten by Nationwide Mutual Insurance Company
• Travel Insurance Benefits are underwritten by Nationwide Mutual Insurance Company
• Emergency Assistance services are provided by CareFree Travel AssistanceTM

WHAT'S INCLUDED?
 
Trip Cancellation*

• The Cancellation Penalty Waiver Program provided by Norwegian Cruise Line reimburses up to 100% of the otherwise non-refundable value of your prepaid cruise vacation in cash should you need to cancel your cruise vacation for any one of the specified reasons provided, such as sickness or injury of your traveling companion or family member, among others. Limitations and/or restrictions may apply.
• Should your reason for cancellation not be covered, you will receive NorwegianCare Credits up to 90% of the non-refundable pre-paid travel arrangements booked with Norwegian Cruise Line.*

Trip Interruption¹

• The plan reimburses up to 150% of the otherwise non-refundable of the pre-paid, unused cruise expenses, and additional travel expenses as defined, if your trip is interrupted for one of the specified reasons provided, including but not limited to the unexpected sickness or injury of your traveling companion. Limitations and/or restrictions may apply.

Trip Delay¹

• The plan may reimbuse up to $1,000 if your trip is delayed for 3 hours or more for covered reasons, such as Common Carrier delay.

Accident and Sickness Medical Expenses¹

• Coverage up to $50,000 for Accident and $50,000 for Sickness expenses, including copays and deductibles, that you incur while you are on your trip. Coverage may be secondary to your primary and supplemental medical insurance.
• In many states, coverage is excess to the primary or supplemental medical insurance that you may already have. This means that you may be asked to file a claim with your primary and/or supplemental insurance providers first and this plan will provide reimbursement for eligible expenses which were not covered by the other providers. This includes deductibles, co-pays, follow-up care, etc. that you incur within 1 year of the date of your Accident or onset of your Sickness.

Emergency Medical Evacuation and Repatriation of Remains¹

• Coverage up to $250,000 for the cost of necessary medical transportation services and coverage up to $25,000 for repatriation expenses. Must be coordinated by the Assistance Provider.

Baggage and Personal Effects¹

• Coverage up to $1,500 for loss, theft, or damage to your bags or personal effects, provided you have taken all measures to protect, save and or recover property. Secondary to any coverage you may have for the lost or damaged items.

Baggage Delay¹

• Coverage up to $500 if your bags are delayed by a Common Carrier for 24 hours or more. Secondary to any coverage you receive from the Common Carrier.
• Depending on your state of residence, this benefit may be excess to other coverage that you may have. You may be asked to file a claim with the party or parties responsible for the loss first, before claiming under this plan.

24/7 Emergency Assistance Services²

• Travel Assistance, Medical Assistance, and Emergency Services
• Within the U.S. and Canada: 1.877.303.5909
• Outside the U.S. and Canada, call collect: 1.516.342.4594

1 Insurance benefits underwritten by Nationwide Mutual Insurance Company, and Affiliated Companies, Columbus, Ohio.
2 Assistance Services provided by CareFree Travel AssistanceTM
 
*New York Residents: Trip Cancellation benefits are underwritten by Nationwide Mutual Insurance Company. The Cancel for Any Reason NorwegianCare Credit program is provided by Norwegian Cruise Line and may be purchased separately from the Travel Insurance benefits.
 
Plan terms, limitations, and exclusions apply. Review your state-specific plan description for details.
 
WHAT'S NOT COVERED?

• Losses that occur while coverage is not in effect.
• Any claims which are submitted without the required supporting documentation.
• Pre-Existing Conditions during the 60 day period immediately prior to the effective date of your plan.
• At-home diagnostic tests that have not been diagnosed by a Physician.
• Medical conditions which are treated by You, a Family Member, or Traveling Companion.
• Routine care and treatment, traveling for the purpose of securing treatment, or traveling against the advice of a Physician.
• Mental or emotional disorders, unless hospitalized while the coverage is in effect.
• Normal pregnancy, childbirth, or elective abortion, except Complications of Pregnancy as defined in the policy.
• Attempting to commit a felony, engaging in illegal activities, or being under the influence of drugs unless prescribed by a Physician.
• War or act of war, invasion, hostilities between nations or civil war.
• Participation in military maneuvers, training exercises, or any Loss that begins when you are in the service of the armed forces of any country.
• Baggage benefits do not cover animals, eye glasses, contact lenses, hearing aids, credit cards, musical instruments and other objects as defined in the policy.
• Other exclusions, as provided. Review the plan terms and conditions for a full list of limitations and exclusions.

WHEN DOES COVERAGE BEGIN?

• Trip Cancellation coverage begins on the date plan payment is received in full by Norwegian Cruise Line.
• All other benefits and services begin on the departure date of your trip.

WHEN DOES COVERAGE END?

• The date your trip is cancelled.
• The date you return from your trip.

RIGHT TO EXAMINE
 
Premium is refundable for any reason, as long as:

• You are within 10 days from the date Norwegian Cruise Line receives payment in full for the plan;
• You have not filed a claim or incurred a loss; or
• You have not departed on your trip.

This is a brief summary of the plan terms, conditions, and exclusions. Review your state-specific plan for more details. Travel insurance is underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, Ohio

Essentials Post-Departure Travel Protection
 
When planning a great vacation, you want to think about nothing but having a good time, but things CAN happen!
 
Essentials Travel Protection can help protect you from unexpected expenses. Here’s how...
 
Travel Insurance Benefits - underwritten by Nationwide®

Trip Delay Reimbursement for catch-up expenses like meals and hotel if you are delayed getting to or from your trip	Up to $500
Accident Medical/Sickness Medical Reimbursement if you get sick or injured on your trip	Up to $20,000 each
Emergency Evacuation Coverage if you need emergency medical transportation	Up to $25,000
Repatriation Coverage provides for shipment of remains in the event of death during the trip	Up to $5,000
Baggage Loss Reimbursement if your things are lost, stolen or damaged	Up to $1,500
Bag Delay Reimbursement if bags are delayed 24+ hours and you need to purchase necessary items	Up to $750

Worldwide Emergency Assistance - non-insurance services provided by CareFree Travel Assistance^TM
24/7 CareFree Travel Assistance^TM Travel Assistance, Medical Assistance, Emergency Services
 
Within the U.S. and Canada: 1.877.303.5909
Outside the U.S. and Canada, call collect: 1.516.342.4594