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Ritz-Carlton Yacht Collection Travel Protection Program

The Ritz-Carlton Yacht Collection Travel Protection Program is a package of travel insurance coverage and non-insurance emergency assistance services designed to meet the particular needs of our guests. One major benefit is that the program reimburses you for cancellation penalties or provides reimbursement for the unused portion of your trip should it be interrupted, when you are forced to cancel or interrupt your trip due to a covered reason.

General Questions

Why should I purchase The Ritz-Carlton Yacht Collection’s Travel Protection Program?

Preparing for your trip includes covering your trip from unfortunate occurrences that threaten to interfere with even your best-laid plans. By purchasing The Ritz-Carlton Yacht Collection’s Travel Protection Program, you can protect yourself against cancellation penalties, medical expenses, baggage loss and delays, as well as gain access to traveler's non-assistance services.

Did you know that the Travel Protection Program could cover you if:
  • Someone in your immediate family suffers an illness or injury, even if they aren't scheduled to travel with you
  • You become ill and can't travel because your child comes down with the chicken pox and you are quarantined
  • Your primary residence becomes flooded due to a hurricane or natural disaster
  • A family member passes away, and you must return from your vacation early
  • Your luggage is lost, damaged or delayed by the airline
  • You twist your ankle and must visit a doctor while traveling
  • Other unforeseeable events as listed in the Certificate/Policy
What does the Travel Protection Program cover?

The Travel Protection Program includes pre-trip cancellation protection and coverage while you are traveling on your trip, including:

Trip Cancellation and Trip Interruption

If you must cancel or interrupt your trip for a covered reason, the Travel Protection Program provides coverage.  You will be reimbursed up to your total trip cost for a trip cancelation and receive up to 100% of your trip cost for a trip interruption ($50,000 maximum).  Covered reasons include sickness, injury or death to you, a traveling companion or an immediate family member. Additional covered reasons for cancellation include subpoena, having a home made uninhabitable by a natural disaster, hijacking, quarantine and being involved in a documented traffic accident en route to departure. Please refer to the Certificate/Policy of Insurance for full details.

Trip Delay

If you should miss the departure of the airplane due to bad weather or other covered reasons, the program reimburses you for additional accommodations, meals and "catch up" transportation expenses.

Medical Protection

If you become ill or are injured while on your trip, the Travel Protection Program will cover up to $20,000 in medical expenses.

Emergency Evacuation and Repatriation of Remains

If an injury or illness requires emergency medical transportation to the nearest appropriate medical facility, the program will pre-pay up to $50,000 for covered transportation expenses.

Baggage Protection

Reimburses expenses up to $3,000 for the covered loss, damage, or theft of baggage and/or personal effects during or while in transit to or from your trip. This benefit also includes baggage delay protection, covering you for the purchase of necessary items (up to $1,000) in the event your luggage is delayed by a common carrier for more than 12 hours en route to the trip.

24 Hour Worldwide Emergency Assistance

24-hour emergency telephone assistance hotline for medical and travel-related problems ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring.

Are my airline tickets covered?

The Travel Protection Program can cover your airfare whether or not your air was booked through The Ritz-Carlton Yacht Collection, provided that the cost of your airfare is included in your trip cost for the purposes of calculating your Travel Protection Program cost.

What if I know that I have a pre-existing medical condition, why should I bother purchasing Travel Protection Program protection?

Even if you have a medical condition you should still consider enrolling in this protection. The claims examiner only reviews the 60 days prior to the purchase of the plan to see if a medical condition became unstable. Also, there is coverage in place if someone in your immediate family suffers an illness or injury, even if they aren't scheduled to travel with you.

Will my home, renters, credit card, or health insurance policies cover my trip?

Due to territory restrictions, many other insurance policies may not offer any coverage while you travel. Still others may offer partial protection, but due to benefit limits, co-insurance and deductibles, you may not be reimbursed for the full amount incurred. Most people do not have any insurance coverage at all if they must cancel their trip. The Travel Protection Program has a wide range of travel benefits that credit card, homeowners and renters insurance policies most likely do not offer. Most health insurance policies (Medicare, certain HMOs, etc.) do not pay for transportation charges due to medical emergencies.

Is there help while I’m traveling on my trip?

One of the valued benefits offered in the Travel Protection Program is the 24-Hour Emergency Assistance Service.  On Call International is a leader in this field. With On Call International you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring or referrals. They are also equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies. If an emergency should arise during your trip, call On Call International immediately and give the details of your problem or medical emergency.

Where can I call for more information?

You may call, Co-ordinated Benefit Plans, the plan administrator, with any questions regarding the Travel Protection Plan. Also, you may send a fax or if you prefer to send an E-mail message, their Customer Service representatives will be happy to assist you.
PH: 1 - 877-394-7301
E-mail your information to: travelteam@cbpinsure.com
Reference Plan #: US1069798
Office Hours:
Monday, Tuesday, Wednesday, Friday – 8:30am-5:00pm (EST) Thursday - 9:30am – 5:00pm (EST)

Enrollment Questions

When is payment for the program due and how do I enroll?

For your Convenience, our Yacht Vacation Consultant will offer you (or your travel agent) protection at the time of booking your cruise.  Ask your travel agent to add The Ritz-Carlton Yacht Collection’s Travel Protection Program to your invoice.  We recommend you purchase coverage right away, to lock it in, just in case you become ill later on and must cancel your cruise. 

When does coverage go into effect and will it cover me for the entire length of my trip?

The Trip Cancellation coverage takes effect upon receipt of the required plan cost to The Ritz-Carlton Yacht Collection. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. Your coverage will remain valid until 11:59 P.M. of your scheduled completion date or your return to your origination point, whichever is earlier. Please see the Certificate/Policy of Insurance for detailed information.

Claims Questions

What happens if I need to cancel my trip?

Please contact The Ritz-Carlton Yacht Collection and the plan administrator as soon as possible in the event of a claim. Co-ordinated Benefit Plans will then forward you the appropriate claim form in order to file a claim.

What if bad weather is predicted where I plan to travel? Will the Travel Protection Program cover me if I cancel my trip?

Please note that there is no coverage for trip cancellation in the event of inclement weather (actual or predicted). However, in the event that inclement weather causes a delay in your arrival to the trip or on your return home, coverage is provided under the Trip Delay benefit.

How do I get reimbursement if my bags and/or personal items are damaged/stolen/lost while I am traveling?

First, obtain verification from the appropriate authority to who you reported the loss (for example, trip representative, police, etc.). Also, be sure to save any store receipts you may have for the original purchases. Upon your return home, simply request a claim form by calling Co-ordinated Benefit Plans. You will be asked to complete the form and submit copies of this information along with your claim form, in addition to any response you may have received from your homeowners or renters insurance. You will be reimbursed for items damaged/stolen/lost while traveling up to $3,000. The baggage portion of the program will also reimburse the cost of repair or replacement for the luggage and covered contents inside the luggage.

If I incur medical expenses during my trip, should I submit them to my health insurance company first?

Yes. The Accident and Sickness Medical Expense portion of the Travel Protection Program is excess of all other valid and collectible insurance.  This protection provides reimbursement, up to the maximum shown on the schedule of coverage, for all covered medical expenses not covered under your regular health insurance policy.  Insurance will provide reimbursement to you for deductibles and co-pays that may be imposed by your health insurance. Please see the Certificate/Policy of Insurance for a complete definition of covered medical expenses.

How do I file a claim? How long does it take to receive my money back?

In the event of a claim please contact Co-ordinated Benefit Plans, our Plan Administrator, at 1-877-394-7301 between Monday – Friday 9:00 am to 5:00 pm EST (please note after 9:30 am on Thursday). Also, you may send an E-mail message to: travelteam@cbpinsure.com

If you plan to cancel your trip due to a covered reason call The Ritz-Carlton Yacht Collection and Co-ordinated Benefit Plans immediately to initiate the claims process and to avoid additional expenses due to late notification.

Please note that you may want to have a copy of your Ritz-Carlton Yacht Collection invoice handy when you call, as there are some details that will be needed in order to initiate your claim. This information includes your travel dates, date of cancellation, The Ritz-Carlton Yacht Collection confirmation or reservation number, and some brief information regarding your reason for cancellation, or other type of loss (i.e., trip delays, baggage loss or delay, medical claims, etc.). Important: If you are canceling your trip, be sure to also contact The Ritz-Carlton Yacht Collection to notify them of the cancellation, as well as to avoid additional expenses due to late reporting.

Claim forms will be mailed to you within two to three business days. For covered emergencies during your trip which require evacuation or interruption, promptly call On Call International, the assistance company, with your policy number and emergency details.

Once Co-ordinated Benefit Plans receives full documentation, payment for a covered claim can be generated within 7 – 10 business days.

How do I check on the status of my claim?

To check the status of your claim you can contact Co-ordinated Benefit Plans at 1-877-394-7301

Definitions / Exclusions Questions

Who is a covered "Immediate Family Member” under the Travel Protection Plan?

Our definition of immediate family is quite broad. It’s not just family members who reside with you. Instead, immediate family includes: mother, father, grandmother, grandfather, grandchild, brother, sister, aunts, uncles, nieces, nephews among others. See the Definitions section of the Certificate/Policy of Insurance for a full listing.

What are the Covered Medical Expenses if I become sick or injured while on my trip?

The Travel Protection Program provides coverage for a vast array of medical expenses which could be incurred as a result of a sickness or injury. The program provides Accident and Sickness Medical Expense benefits for necessary services and supplies which are recommended by the attending physician. Covered Medical Expenses include the services of a legally qualified physician, surgeon, graduate nurse, 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.

Are there exclusions?

In order to provide this package of benefits, certain restrictions do apply. For example, the program does not provide duplicate payments if there are other sources of reimbursement available. Exclusions are standard in virtually every travel insurance product. Please see the Certificate of Insurance/policy for a full list of exclusions.

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 Ritz-Carlton cruise, you can purchase insurance from Ritz-Carlton or from the independent insurance provider, Generali Global Assistance (formerly CSA Travel Protection). Click here to see details of the Go Plan from Generali Global Assistance.