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TRIELOFF
TOURS PROTECTION
PLAN
Administered by Travel
Insured International, Inc.
TRL
(5/07)
WHEN YOUR BENEFITS APPLY
Effective Date is the date which begins at 12:01
a.m. on the date Trieloff Tours receives the appropriate Protection
Plan cost for the Trip.
Trip Cancellation Benefit and Assistance
Services begin on the Effective Date.
All Other Benefits begin
on 12:01 a.m. on Your Scheduled Departure Date or your Protection
Plan Effective Date whichever is later, and ends at the point and
time of return on or before the Scheduled Return
Date.
Part -
A TRAVEL PROTECTION
TRIP
CANCELLATION/TRIP INTERUPTION:
The Insurer
will pay a benefit, up to the maximum shown on the Schedule of
Coverage and Services, if You are prevented from taking your Trip
due to the following Unforeseen events:
a) Sickness,
Accidental Injury, or death of You, Your Traveling
Companion, Family Member, Business Partner; which results in
medically imposed restrictions as certified by a Physician at the
time of loss preventing Your continued participation in the Trip. A
Physician must advise cancellation of the Trip on or before the
Scheduled Departure Date.
b)
Strike that causes complete cessation of services for at least 48
consecutive hours.
c) Weather which causes complete cessation of services
of Your Common Carrier for at least 48 consecutive
hours.
d) You are
terminated of laid off from employment at the subject to three years
of continuous employment at the place of employment where
terminated.
e) Hijacked,
quarantined, required to serve on a jury, required to appear as a
witness in a legal action, provided You or Your Traveling Companion
is not a party to the legal action or appearing as a law enforcement
officer, subpoenaed, the victim of felonious assault within 10 days
of departure; or having Your principle place of residences made
uninhabitable by fire, flood, or other Natural Disaster; or burglary
of Your principle place of residence within 10 days of
departure;
f) If within
30 days of Your departure, a politically motivated Terrorist Attack
occurs within the territorial limits of the City listed in Your
Itinerary. The Terrorist Attack must occur after the effective Date
of Your Trip Cancellation coverage. This coverage only applies if
the protection plan was purchased within 10 calendar days of the
initial Trip payment.
g) You or Your
traveling companions who are military personnel, and are called to
emergency duty for a disaster other than war.
h) You or Your
Traveling Companion being directly involved in a traffic
Accident substantiated by a police report, while en route to
departure.
i) The death
or hospitalization of Your Host at
Destination;
TRIP CANCELLATION:
non-refundable cancellation charges imposed by Your Travel Supplier
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 Trip for a covered reason and You do
not cancel.
TRIP
INTERRUPTION: Unused, non-refundable land or sea expenses prepaid to
Travel Supplier and/or the airfare paid, to return home or rejoin
the original Land/Sea Arrangements (limited to the cost of one-way
Economy Fare by scheduled carrier, from the point of destination to
the point of origin shown on the original travel tickets) less the
value of applied credit from an unused return ticket; or the
additional costs You may incur as a result of a change in the
per-person occupancy rate of the prepaid travel arrangements if a
person booked to share accommodations with You cancels his/her Trip
for a covered reason and You do not
cancel.
In no event shall
the amount reimbursed exceed the lesser of; the amount You pre-paid
for Your Trip, or the maximum benefit shown on the Schedule of
Coverage and Services.
TRIP DELAY:
Trip
Delay coverage will be on a one time basis if You are delayed 12 or
more hours. If You experience a covered delay, You are eligible for
up to the maximum shown on the Schedule of Coverage and Services,
for reasonable, additional accommodations and travel expenses.
Covered reasons for the travel delay are: Carrier caused delay
(including Inclement Weather); lost or stolen passports, money, or
travel documents; quarantine; hijacking, unannounced Strike, or
Natural Disaster.
Part
B- MEDICAL PROTECTION
EMERGENCY
ACCIDENT AND SICKNESS MEDICAL EXPENSE:
The Insurer
will pay benefits up to the maximum shown on the Schedule of
Coverage and Services, if You incur Covered Medical Expenses as a
result of an Accidental Injury which occurs on the covered Trip or a
Sickness which first manifests itself during the covered Tri[. You
must receive Emergency Treatment while on the covered
Trip
Emergency
Treatment means necessary medical treatment, including services and
supplies, which must be performed during the Covered Trip due to the
serious and acute nature of the Accidental Injury or
Sickness.
Covered
Medical Expenses are necessary services and supplies which are
recommended by the attending Physician. They, include, but are not
limited to: the services of a Physician; charges for Hospital
confinement and use of operating rooms; charges for anesthetics
(including administration); x-ray examinations or treatments, and
laboratory tests; ambulance service; and drugs, medicines,
prosthetic and therapeutic services and
supplies.
The Insurer
will not pay benefits in excess of the reasonable and customary
charges. Reasonable and customary charges means charges commonly
used by the Physicians in the locality in which care is
furnished.
The Insurer
will not cover any expenses provided by another party at no cost to
You or already included within the cost of the
Trip.
The Insurer
will pay benefits, up to $750.00, for emergency dental treatment for
Accidental Injury to sound natural teeth.
The Insurer
will advance payment to a Hospital, up to the maximum shown in the
Schedule if needed to secure the Insured's admission to a
Hospital because of Accidental Injury or
Sickness.
EMERGENCY EVACUATION: The Insurer will pay,
subject to limitations set out herein, for Covered Emergency
Evacuation Expenses reasonably incurred if You suffer an injury or
Emergency sickness that warrants Your Emergency Evacuation while You
are on a Trip. Benefits payable are subject to the Maximum Amount
per person shown in the Schedule for all Emergency Evacuations due
to all Injuries from the same Accident or all Emergency Sickness
from the same or related
causes.
A legally licensed Physician, in coordination with
the Assistance Company, must order the Emergency Evacuation and
must certify that the severity of Your Injury or Emergency Sickness
warrants Your Emergency Evacuation to the closest adequate medical
facility. It must be determined that such Emergency Evacuation is
required due to the inadequacy of local facilities. The
certification and approval for Emergency Evacuation must be
coordinated through the most direct and economical conveyance and
route possible, such as air or land ambulance, or commercial airline
carrier.
Covered
Emergency Evacuation Expenses are those for Medically Necessary
Transportation, including Reasonable and Customary medical services
and supplies incurred in connection with Your Emergency Evacuation.
Expenses for Transportation must be; (a) recommended by the
attending Physician; and (b) required by the standard regulations of
the conveyance transporting You and (c) reviewed and pre-approved by
the Assistance Company.
The Insurer
will also pay reasonable and customary charges, up to the maximum
escort limits shown on the policy, for escort expenses required by
You, if You are disabled during a Trip and an escort is recommended
in writing, by the Insurer's attending Physician and must be
pre-approved by the Assistance Company.
If You are
hospitalized for more than 7 days following a Covered Emergency
Evacuation Expense, the Insurer will pay subject to the limitations
set out herein, for the expenses:
1. to return
to the United States where they reside, with an attendant in
necessary, any of Your Dependent Children who were accompanying You
when the Injury or Emergency Sickness occurred; but not to exceed
the cost of a single one-way economy airfare ticket less the value
of applied credit from any unused return travel tickets per
person.
2. to
bring one person chosen by You to and from the Hospital or other
medical facility where You are confined if You are alone; but not
exceed the cost of one round-trip economy airfare
ticket.
The Insurer
will also pay expenses to return You from the location to which You
were Evacuated to Your return destination via Common Carrier, within
one year from Your original Trip completion date. Commercial airfare costs will
be in the same class of service, as Your original airline tickets,
or in business or first class as in compliance with Your medical
necessities and requirements upon Your discharge, less refunds from
Your unused transportation tickets.
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;
Emergency
Sickness - means an illness or disease, diagnosed by a legally
licensed Physician, which meets all of the following criteria: (1)
there is a present severe or acute symptom requiring immediate care
and the failure to obtain such care could reasonably result in
serious deterioration of Your condition or place Your life in
jeopardy; (2) the severe or acute symptom occurs suddenly and
unexpectedly; and (3) the severe or acute symptom occurs while Your
coverage is in force and during Your Trip.
Transportation - means any land,
sea or air conveyance required to transport You during an Emergency
Evacuation. Transportation includes, but is not limited to, Common
Carrier, air ambulances, land ambulances and private motor
vehicles.
Repatriation of Remains: The
Insurer will pay reasonable Covered Expenses incurred to return Your
body to Your primary residence if You die during the covered Trip.
This will not exceed the maximum shown on the Schedule of Coverage
and Services. Covered Expenses include, but are not limited to,
expenses for embalming, cremation, minimally necessary coffins for
transport, and transportation.
All Transportation must be authorized and arranged by
the Assistance
Company.
Part
C - BAGGAGE PROTECTION
BAGGAGE /PERSONAL EFFECTS: The Insurer will reimburse You up to the
Maximum shown in the Schedule of Coverage and Services for loss,
theft, or damage to Baggage and Personal Effects. The Insurer will
pay the lesser of the following: Actual Cash
Value at the time of the loss, less depreciation as determined by
the Insurer, or the cost of repair or replacement. There is a limit
of $250 per article. There will also be a combined maximum limit of
$500 for the following: jewelry; watches and cameras, including
related equipment; articles consisting in whole or in part of
silver, gold, or platinum; furs and articles trimmed with or made
mostly of fur.
The
Insurer will also reimburse You for charges and interest incurred
due to unauthorized use of Your credit cards if such use occurs
during Your Trip and if You have complied with all credit card
conditions imposed by the credit card companies. The Insurer will
reimburse You for fees associated with the replacement of Your
passport during Your Trip. Receipts are required
for
reimbursement.
BAGGAGE
DELAY (Outward Journey Only): The Insurer will reimburse You for
expenses for necessary personal effects, up to the maximum shown in
the Schedule of Coverage and Services, if Your checked Baggage is
delayed or misdirected by Common Carrier
for more than 24 hours from the time You arrive at the destination
stated on the ticket, except travel to final destination or Your
place of residence. You must be a ticketed passenger of a Common
Carrier.
WORLDWIDE
EMERGENCY ASSISTANCE SERVICES
The
Travel Assistance feature provides a variety of travel related
services.
Services offered
include:
Medical evacuation Medically necessary repatriation Repatriation
of remains Medical or legal referral Inoculation information
Hospital admission guarantee Translation service Lost Baggage
retrieval Passport/visa information Emergency cash advance
Bail bond Prescription drug/eyeglass
replacement
Payment reimbursement to
the Assistance
Company is Your
responsibility.
24-Hour Emergency Assistance Telephone
Numbers
For travel assistance services
only:
CALL TOLL
FREE: (within the United
States and Canada) 1-888-268-2824
OR
CALL COLLECT
1-202-296-8720 (from all other locations).
Be sure to use
the appropriate country and city codes when
calling.
KEEP THESE
NUMBERS WITH YOU WHEN YOU TRAVEL
Travel assistance services are provided by an
independent organization and not by Arch Insurance Company, or
Travel Insured International. There may be times when circumstances
beyond the Assistance Companys control hinder their endeavors to
provide travel assistance services. They will, however, make all
reasonable efforts to provide travel assistance services and help
you resolve your emergency situation.
Details of Coverage Page
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