Cruise Travel Insurance
Bid your hometown bon voyage and set sail on the cruise of a lifetime! Cruise Travel Insurance from BerkelyCare covers travel’s unexpected events, from flight delays to unforeseen medical expenses and lost luggage.
Key Benefits
- Coverage for cancellation or travel delay penalties
- Reimbursement for unforeseen medical expenses
- Reimbursement for lost luggage
Please see description of coverage for full terms, including limitations and exclusions.
- Plan Coverage
- What's Not Covered
- Claim Instructions
- Terms of Coverage
- Definitions
- FAQ
IMPORTANT: This program is valid only if the appropriate plan cost has been received by Expedia, Inc. Please keep this document as Your record of coverage.
Stonebridge Casualty Insurance Company
Policy Number MZ0911076H0003A
DESCRIPTION OF COVERAGE
PART A. TRAVEL ARRANGEMENT PROTECTION
PART B. MEDICAL PROTECTION
PART C. BAGGAGE PROTECTION
PART D. WORLDWIDE EMERGENCY ASSISTANCE (On Call International)
SUMMARY OF COVERAGES
PART A. TRAVEL ARRANGEMENT PROTECTION
Pre-Departure Trip Cancellation
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule if you are prevented from taking your Covered Cruise due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s Sickness, Injury or death or Other Covered Events as defined, that occur(s) before departure on your Covered Cruise. See more
The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Cruise is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Cruise.
Pre-Departure Trip Cancellation Benefits
We will reimburse you, up to the amount in the Schedule for the amount of prepaid, non-refundable and unused Payments or Deposits that you paid for your Covered Cruise. We will pay your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Cruise is canceled and your Covered Cruise is not canceled.
We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if due to your, an Immediate Family MemberÕs, Traveling CompanionÕs, or Business PartnerÕs, Sickness, Injury or death or Other Covered Events as defined: 1) your arrival on your Covered Cruise is delayed; or 2) you are unable to continue on your Covered Cruise after you have departed on your Covered Cruise. See more
For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2) above, commence while you are on your Covered Cruise and your coverage is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Covered Cruise is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Cruise or to prevent you from continuing your Covered Cruise.
Post-Departure Trip Interruption Benefits
We will reimburse you, less any refund paid or payable, for unused land and water travel arrangements, and/or the following:
1. the additional transportation expenses by the most direct route from the point you interrupted your Covered Cruise: a) to the next scheduled destination where you can catch up to your Covered Cruise; or (b) to the final destination of your Covered Cruise;
2. the additional transportation expenses incurred by you by the most direct route to reach your original Covered Cruise destination if you are delayed and leave after the Scheduled Departure Date. However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare by the most direct route less any refunds paid or payable for your unused original tickets
3. reasonable additional accommodation and transportation expenses (up to $100 per day) incurred to remain near a covered traveling Immediate Family Member or Traveling Companion who is hospitalized during your Cruise.
In no event shall the amount reimbursed under Trip Cancellation or Trip Interruption exceed the amount you prepaid for your Cruise.
Important: You, your Traveling Companion and/or your Immediate Family Member booked to travel with you must be medically capable of travel on the day you purchase this coverage. The covered reason for cancellation or interruption of your Cruise must occur after your effective date of Trip Cancellation coverage. In all circumstances, coverage does not apply for Financial Insolvency if Financial Insolvency occurred, or a petition for bankruptcy was filed by the travel supplier, before your effective date of coverage or a Financial Insolvency occurs within 7 days following your effective date of coverage.
Please note: Benefits will not be paid for expenses not refunded in the event of your travel agency’s insolvency.
Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:
1. arrangements canceled by a tour operator, cruise line or airline resulting from Financial Insolvency;
2. a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:
(a) being directly involved in a documented traffic accident while en route to departure;
(b) being hijacked, Quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer;
(c) having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster.
If your Covered Cruise is delayed for 3 hours or more, we will reimburse you, up to the amount shown in the Schedule for unused land or water travel arrangements, less any refund paid or payable and reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and economy transportation to catch up to your Cruise, or to return Home. We will not pay benefits for expenses incurred after travel becomes possible. See more
Trip Delay must be caused by or result from:
1. Common Carrier delay;
2. loss or theft of your passport(s), travel documents or money;
3. being Quarantined;
4. hijacking;
5. natural disaster;
6. a documented traffic accident while you are en route to departure;
7. unannounced strike;
8. a civil disorder.
Missed Connection
The Insurer will pay up to $1,000 should you miss your cruise departure as the result of the cancellation or delay of three (3) or more hours of all regularly scheduled airline flights due to inclement weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise, reasonable additional accommodation and meal expenses incurred en route to catch up to the cruise (up to $200/day), and non-refundable cruise payments for the unused portion of your land or water travel arrangements. This coverage is excess of any coverage provided by an Air Common Carrier or another party at no cost to you.
PART B. MEDICAL PROTECTION
We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Cruise; See more
3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you. We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance the Coordination of Benefits provisions.
Covered Expenses:
Accident Medical Expense/Sickness Medical Expense:
1. expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you within one year from the date of your Sickness or Injury;
2. expenses for emergency dental treatment incurred by you during a Covered Cruise;
Emergency Evacuation:
3. expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval;
4. expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval;
5. expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;
6. expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence, including escort expenses if you are 25 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors prior approval;
7. expenses for one-way economy class air fare to your place of residence, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan.
Repatriation:
8. repatriation expenses for preparation and air transportation of your remains to your place of residence, or up to an equivalent amount for a local burial in the country where death occurred, if you die while on your Covered Cruise.
Please Note: In no event will all benefits paid for Emergency Evacuation and Repatriation expenses exceed the coverage limit of $25,000.
Please note: Benefits under Parts A & B (except Emergency Evacuation and Repatriation) are subject to the Pre-Existing Condition Exclusion detailed on Page 6 and other exclusions listed on Pages 11-12.
PRE-EXISTING CONDITION means an illness, disease, or other condition during the 60-day period immediately prior to your effective date for which you, your Traveling Companion, or Immediate Family Member who is scheduled or booked to travel with you:
1. received or received a recommendation for a diagnostic test, examination, or medical treatment; or
2. took or received a prescription for drugs or medicine.
Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60-day period before coverage is effective under this Policy.
If you have any questions concerning this exclusion, please call Berkely at 1-800-954-4734 for further clarification.
PART C. BAGGAGE PROTECTION
We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage during your Covered Cruise.
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Valuation and Payment of Loss
Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 80% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.
We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.
Items Subject to Special Limitations
We will not pay more than $500 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. There is a $250 per article limit.
Baggage Delay Benefit
We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed by an Air Common Carrier for 24 hours or more during your Covered Cruise. You must be a ticketed passenger on an Air Common Carrier.
PART D. WORLDWIDE EMERGENCY ASSISTANCE (On Call International)
- CareFree™ Travel Assistance
- Medical Assistance
- Emergency Services
CareFree™ 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-Cruise 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 and Managed Care
- 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 medical and dental assistance
- Emergency legal assistance
- Emergency medical payment assistance
- Emergency family travel arrangements
CareFree™ Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-800-618-0692 or, from outside the U.S. or Canada, call collect:* 1-603-328-1711.
* If you have any difficulty making this collect call, contact the local phone operator to connect you to a US-based long-distance service. In this case, please let the Assistance Provider answering the phone know the number you are calling from, so that he/she may call you back. Any charges for the call will be considered reimbursable benefits.
Note that the problems of distance, information, and communications make it impossible for Stonebridge Casualty Insurance Company, Berkely, Expedia, Inc., or On Call International to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, you are still responsible for obtaining, using, and paying for your own required services of all types.
IN PARTS A & B:
- mental, nervous, or psychological disorders, except if hospitalized;
- being under the influence of drugs or intoxicants, unless prescribed by a Physician;
- normal pregnancy, except if hospitalized; or elective abortion;
- riding or driving in any motor competition;
- declared or undeclared war, or any act of war;
- service in the armed forces of any country;
- operating or learning to operate any aircraft, as pilot or crew;
- any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
- any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
- Elective Treatment and Procedures;
- medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
- Financial Insolvency of the person, organization or firm from whom you directly purchased or paid for your Covered Cruise, Financial Insolvency which occurred before your effective date for the Trip Cancellation Benefits, or Financial Insolvency which occurs within 7 days following your effective date for the Trip Cancellation Benefits;
- business, contractual or educational obligations of you, an Immediate Family Member or Traveling Companion;
- failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements other than Financial Insolvency
- a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.
IN PART C:
WE WILL NOT PAY FOR DAMAGE TO OR LOSS OF:
- a loss or damage caused by detention, confiscation or destruction by customs;
- animals;
- property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
- artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses;
- documents or tickets, except for administrative fees required to reissue tickets;
- money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards;
- property shipped as freight or shipped prior to the Scheduled Departure Date.
LOSSES NOT COVERED
WE WILL NOT PAY FOR LOSS ARISING FROM:
- theft or pilferage from an unattended vehicle;
- mysterious disappearance;
Policy Number MZ0911076H0003A
- 1. EMERGENCIES ARISING DURING YOUR TRIP: Please refer to Part D. Worldwide Emergency Assistance.
- TRIP CANCELLATION CLAIMS: Contact Expedia, Inc.and Berkely IMMEDIATELY to notify them of your cancellation and to avoid any non-covered expenses due to late reporting. Cancellations due to Financial Insolvency require copies of correspondence with your credit card company regarding reimbursement received or denied by your credit card provider. Berkely will then forward the appropriate claim form which must be completed by you AND THE ATTENDING PHYSICIAN, if applicable. If you are cancelling due to a death, a death certificate will be required.
- ALL OTHER CLAIMS: Report your claim as soon as possible to Berkely. Provide the policy number, your travel dates, and details describing the nature of your loss. Upon receipt of this information, Berkely will promptly forward you the appropriate claim form to complete. If you are interrupting due to a death, a death certificate will be required.
Online: www.travelclaim.com
Phone: 1-(800) 954-4734 or 1-(516) 342-2720
Mail: Berkely 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 117533
Office Hours: 8:00 am - 10:00 pm ET, Monday - Friday; 9:00 am - 5:00 pm ET, Saturday
IMPORTANT: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable:
Accident & Sickness Medical Claims – receipts from the treating Physicians, etc. stating the amounts paid and listing the diagnosis and treatment; submit these first to your other medical plans. Forward a copy of their final disposition of your claim to Berkely.
Your duties in the event of a Medical or Dental Expense:
- You must provide us with all bills and reports for medical and/or dental expenses claimed.
- You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.
- You must sign a patient authorization to release any information required by us, to investigate your claim.
- You must receive initial treatment within 90 days of the accident, which caused the Injury or the onset of the Sickness.
Your duties in the event of a Trip Interruption & Trip Delay Claims:
Medical statements from the Physicians in attendance in the country where the Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Or, verification of the Common Carrier’s mechanical or scheduling problems, or verification of other covered reason causing delay. Provide all unused transportation tickets, official receipts, etc.
Your duties in the event of a Baggage Delay Claims:
Verification by the Common Carrier or the representative, who must certify the delay or misdirection, including dates of loss and return. Note that receipts for any additional covered expenses will be required, as well as verification of any delay.
Your duties in the Event of a Baggage/Personal Effects Loss:
In case of loss, theft or damage to Baggage and Personal Effects, you should: 1) immediately report the situation incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and 2) take reasonable steps to protect your Baggage from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Baggage. Submit claim first to party responsible, as well as your regular property insurer. Forward copies of the outcome of your claim to Berkely with the appropriate documentation, including copies of receipts for the lost, stolen, or damaged articles, if available.
When Coverage Begins
All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of: 1) the date the plan payment has been received by Expedia, Inc.; 2) the date and time you start your Covered Cruise; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Cruise.
Pre-Departure Trip Cancellation coverage will take effect on the day your plan payment is received by Expedia, Inc. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date if the required plan payment is received.
When Coverage Ends
Your coverage automatically ends on the earlier of:
- the date the Covered Cruise is completed;
- the Scheduled Return Date;
- your arrival at the return destination on a round-trip, or the destination on a one-way trip;
- cancellation of the Covered Cruise covered by the plan.
If your air arrangements are not booked by the Policyholder and are greater than 4 total days before and/or after your Cruise, you will also be covered for Trip Interruption, Trip Delay and benefits under Parts B and C on the day(s) you are flying to/from your destination.
Accident means a sudden, unexpected, unintended and external event, which causes Injury.
Actual Cash Value means purchase price less depreciation.
Air Common Carrier means any air conveyance operated under a license for the transportation of passengers for hire.
Baggage means luggage, personal possessions and travel documents taken by you on the Covered Cruise.
Business Partner means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.
Covered Cruise means a period of travel away from Home to a destination outside your city of residence; the purpose of the Cruise is business or pleasure and is not to obtain health care or treatment of any kind; the Cruise has defined departure and return dates specified when the Insured enrolls.
Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire.
Cruise means a scheduled trip for which coverage has been elected and the plan payment paid, and all travel arrangements are arranged by Expedia, Inc. prior to the Scheduled Departure Date of the Cruise. Also covered by this definition are any direct round trip air flights booked by others, to and from the scheduled Covered Cruise departure and return cities, provided the dates of travel for the air flights are within 4 total days of the scheduled land tour or cruise dates.
Domestic Partner means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.
Elective Treatment and Procedures means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.
Financial Insolvency means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator or cruise line or airline, other than Expedia, Inc., the person, organization, agency or firm from whom you directly purchased or paid for your Covered Cruise provided the Financial Insolvency occurs more than 7 days following your effective date for the Trip Cancellation benefits. There is no coverage for the complete suspension of operations for losses caused by fraud or negligent misrepresentation by the supplier of travel services.
Home means your primary or secondary residence.
Hospital means an institution, which meets all of the following requirements
- it must be operated according to law;
- it must give 24 hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis;
- it must provide diagnostic and surgical facilities supervised by Physicians;
- registered nurses must be on 24 hour call or duty; and
- the care must be given either on the hospital’s premises or in facilities available to the hospital on a pre-arranged basis.
A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).
Immediate Family Member includes your or the Traveling Companion’s dependent, spouse, child, spouse’s child, son-daughter-in-law, parent(s), sibling(s), brother-sister, grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster-child, or ward.
Injury means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
Insured means an eligible person who arranges a Covered Cruise, and pays any required plan payment.
Insurer means Stonebridge Casualty Insurance Company.
Other Valid and Collectible Group Insurance means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.
Payments or Deposits means the cash, check, or credit card amounts actually paid to Expedia, Inc. for your Covered Cruise.
Physician means a person licensed as a medical doctor by the jurisdiction in which he/she is a resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.
Policy means the contract issued to the Policyholder providing the benefits specified herein.
Policyholder means the legal entity in whose name this Policy is issued, as shown on the benefit Schedule.
Program Medical Advisors means On Call International.
Quarantined means the isolation of a person afflicted with or exposed to a communicable disease, the purpose being to prevent the spread of disease.
Schedule means the benefit schedule shown on the Certificate for each Insured.
Scheduled Cruise Departure City means the city where the scheduled cruise on which you are to participate originates.
Scheduled Departure Date means the date on which you are originally scheduled to leave on your Covered Cruise.
Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered Cruise started or to a different final destination.
Sickness means an illness or disease of the body which: 1) requires examination and treatment by a Physician, and 2) commences while the plan is in effect. An illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the effective date of this plan is not a Sickness as defined herein and is not covered by the plan.
Traveling Companion means a person whose name(s) appear(s) with you on the same Trip arrangement and who, during the Cruise, will accompany you.
Usual and Customary Charge means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.
Why should I purchase Cruise Travel Insurance?
Unexpected situations can happen to anyone, even immediate family members that are not traveling with you, and provide you with a reason you might need to cancel or interrupt your trip. Plus, even after your departure, there is important coverage included such as reimbursements for expenses caused by trip and baggage delays. And of course, having coverage that pays for unexpected medical expenses, most notably pricey evacuation expenses, is critical.
Did you know that Cruise Travel Insurance can reimburse covered expenses if:
- You become ill and can’t travel.
- Someone in your immediate family has an illness or injury and you must cancel or interrupt your trip, even if he or she is not scheduled to travel with you.
- Your house becomes uninhabitable due to a hurricane.
- An immediate family member back home passes away and you must return from your trip early.
- You twist your ankle and must visit a doctor while traveling.
- If your arrangements were canceled by a cruise line or airline due to financial insolvency.
- Many other unforeseeable events as listed in the Description of Coverage.
What does Cruise Travel Insurance cover?
If you must cancel or interrupt your trip for a covered reason, the plan provides coverage up to your Total Cruise Cost.
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Covered reasons include illness, injury, or death to you, a traveling companion, or an immediate family member. Additional covered reasons for cancellation include jury duty, the issuance of a subpoena for court or administrative hearing, having a home made uninhabitable by a natural disaster, if the cruise line or airline cancels your arrangements because of financial insolvency, hijacking, quarantine, and being involved in a documented traffic accident en route to departure. Please refer to the Description of Coverage for full details.
Please note that exclusions may apply, including a pre-existing condition exclusions. Please review the Description of Coverage for full details.
Trip Delay/Missed Connection
If you should miss the departure of your cruise due to a carrier-caused delay or other covered reason, there is coverage for up to $1,000 per insured person for costs such as accommodations, meals, and transportation expenses in order to catch up to the trip or to return home.
Missed Connection covers up to $1,000 per insured person for unused prepaid expenses, plus additional accommodation/meals (limited to $200 per person per day) and traveling expenses if you miss the trip departure solely due to weather-related cancellation or delay of 3 or more hours.
Emergency Evacuation/Repatriation of Remains
If an injury or illness requires emergency medical transportation to the nearest adequate medical facility, the insurer will pay up to $25,000 for covered transportation expenses. In the event of your death, the insurer will pay up to $25,000 toward the covered expenses associated with transporting your remains.
Medical Protection
If you become ill or injured while on your trip, the plan includes coverage to reimburse you up to $10,000 in covered medical expenses. Medical coverage while traveling overseas is particularly important as Medicare and some HMO's may not cover medical expenses incurred outside the U.S. Note that medical coverage is excess to any other insurance you may have for these expenses.
Baggage Protection
If your baggage and/or personal effects should become lost, stolen or damaged during or while in transit to or from your cruise, the plan includes coverage to reimburse you up to $1,500 per insured person. The plan also includes baggage delay coverage, reimbursing up to $500 for the purchase of necessary items in the event your luggage is delayed by a common carrier for more than 24 hours during your trip. Note that baggage coverage is excess to any other insurance you may have for these expenses.
24-Hour Worldwide Emergency Assistance
24-hour emergency telephone assistance hotline provided by On Call International to help with travel-related emergencies ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring. Examples of situations where you may need to call On Call International include:
- Seeking pre-trip advice such as immunization and visa requirements.
- If you leave your prescriptions at home and need help finding a local pharmacy and having your prescriptions called in.
- If you lose your passport and need assistance in finding the nearest passport office or embassy and getting the correct paperwork.
- If your wallet is stolen and you need help filing the proper police reports and getting money wired to you from home accounts.
- Finding a local doctor, hospital or, for severe medical emergencies, arranging a medical evacuation.
Are my airline tickets covered?
Will my current home, renters, credit card, or health insurance policies cover me during my cruise?
Homeowners and renters plans may offer coverage for lost possessions. However, these plans may not cover your loss fully due to high deductibles.
The medical coverage included in Cruise Travel Insurance may be valuable for people whose health insurance policies do not pay for medical expenses incurred outside of the United States (e.g., Medicare, certain HMO's, etc.). Even if it does, you may not be covered for the full amount due to deductibles and co-insurance. Plus, many plans do not pay for evacuations, which can be very expensive. Of course, having your own medical coverage does not cover you if you need to cancel or interrupt your trip due to a covered injury or illness.
Many credit cards have only limited coverage and an assistance service, with only a few including coverage to reimburse in the event of a cancellation or an evacuation. Check your credit card documentation carefully.
Is there help while I'm traveling?
Examples of situations where you may need to call On Call International include:
- Seeking pre-trip advice such as immunization and visa requirements.
- If you leave your prescriptions at home and need help finding a local pharmacy and calling in your prescriptions.
- If you lose your passport and need assistance in finding the nearest passport office or embassy and getting the correct paperwork.
- If your wallet is stolen and you need help filing the proper police reports and getting money wired to you from home accounts.
- Finding a local doctor, hospital or, for severe medical emergencies, arranging a medical evacuation.
Who can I contact for more information?
Via email: expedia@berkely.com
Via phone: 1-800-954-4734 or 516-342-2720
Via mail:
BerkelyCare
P.O. Box 9022
300 Jericho Quadrangle
Jericho, NY 11753
Office Hours:
8AM-10PM (EST), Monday-Friday
9AM-5PM (EST), Saturday
This program was designed and administered for Expedia, Inc.’s clients by BerkelyCareSM
IN CALIFORNIA: BerkelyCareSM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.
IN ALL OTHER STATES: BerkelyCareSM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.
When is payment for the plan due?
How do I enroll in Cruise Travel Insurance?
When does coverage go into effect and will it cover me for the entire length of my cruise?
I am not a U.S. or Canadian resident; can I purchase the plan?
What happens if I need to cancel my trip?
What happens if my traveling companion cancels his/her cruise but I still want to travel?
What happens if my flight is delayed or cancelled?
- the cost of a one-way economy ticket (less any refunds paid or payable for your original tickets) to catch up to your cruise.
- the cost of any unused prepaid land or sea arrangements; and/or;
- the cost of additional reasonable accommodations and travel expenses
Other covered reasons include: 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, civil commotion or riot.
If the reason for the cancellation or delay (of three or more hours) was weather-related, you would have Missed Connection benefits of up to a maximum of $1,000 per insured person for:
- the cost of a one-way economy ticket (less any refunds paid or payable for your original tickets) to catch up to your cruise.
- the cost of any unused prepaid land or sea arrangements; and/or;
- the cost of additional reasonable accommodations and travel expenses, up to $200 maximum per day.
The plan also provides coverage for cancellation in the event that the flight is canceled due to an airline ceasing operations due to bankruptcy. The protection plan must have been purchased prior to the airline filing for bankruptcy protection and at least 7 days prior to the airline ceasing operations.
How do I get reimbursement if my bags and/or personal items are damaged/stolen/lost while I am traveling?
If I require medical care while on my cruise, are my medical bills covered?
Please also note that should you require follow up care for your illness or injury once you return home, the plan includes continued medical coverage for up to 52 weeks from the onset of the illness or injury, or until you have exhausted the coverage limit. In the event of a medical emergency while traveling, the plan also includes emergency assistance services through On Call International. Should your medical condition necessitate your medical evacuation to another facility or home, these arrangements are made by On Call International.
How do I file a claim?
Who is considered an "Immediate Family" member under the plan?
Are there exclusions?
What is the Pre-Existing Condition exclusion?
Contact Information
For questions or claims, please contact BerkelyCare.
| Call: Email: |
1-800-954-4968 Expedia@berkely.com |
Office Hours: | 8:00 AM to 10:00 PM EST Mon-Fri 9:00 AM to 5:00 PM EST Sat. |
IN CALIFORNIA: BerkelyCareSM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.
IN ALL OTHER STATES: BerkelyCareSM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.
This plan is underwritten by: Stonebridge Casualty Insurance Company. Please see Description of Coverage for full details include plan terms, conditions and exclusions.
| Cruise cost* | per person |
| Up to $500 | $25 |
| $501 - $650 | $45 |
| $651 - $800 | $55 |
| $801 - $950 | $69 |
| $951 - $1,500 | $89 |
| $1,501 - $1,900 | $109 |
| Cruise cost* | per person |
| $1,901 - $2,100 | $129 |
| $2,101 - $2,300 | $144 |
| $2,301 - $2,500 | $149 |
| $2,501 - $3,000 | $179 |
| $3,001 - $3,500 | $189 |
| $3,501 + | Please call |
* based on the average per person cruise rate, which is displayed at the time of booking
