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;

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.

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 Company’s 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.