(i) is hijacked, quarantined, required to serve on a jury, or subpoenaed;
(ii) has a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster;
(iii) is directly involved in a documented traffic accident while en route to departure; or

(c) a Travel Supplier is unable to deliver contracted Trip arrangements which have been prepaid and prebooked solely due to the Financial Insolvency of a Travel Supplier; the Insurer will pay benefits up to Your total Trip cost for:

(a) Trip Cancellation – non-refundable cancellation charges imposed by the 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.

Special Conditions: You must advise Your Travel Agency and BerkelyCare as soon as possible in the event of a claim. The Insurer will not pay benefits for any additional charges incurred that would not have been charged had You notified these parties as soon as reasonably possible.

(b) Trip Interruption - unused, non-refundable land or sea expenses prepaid to Your Travel Agency and/or the airfare paid, less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Land/Sea Arrangements (limited to the cost of one-way economy airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets).

The Insurer will also pay benefits, up to $100 per day, for reasonable additional accommodation and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your Trip.

In no event shall the amount reimbursed exceed the amount You prepaid for Your trip.

IMPORTANT: You, Your Traveling Companion and Your Immediate Family member booked to travel with You must be medically capable of travel on the day You purchase the plan. The covered reason for cancellation or interruption of Your Trip must first 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 protection 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.

Excess Insurance Provision: The insurance provided shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted. Please note: Recovery of losses from other parties does not result in a refund of your plan cost.

; delays caused by a traffic accident en route to a departure in which You or Your Traveling Companion are not directly involved; lost or stolen passports, travel documents, or money; quarantine; hijacking; natural disaster; civil commotion or riot.

Covered Expenses include any prepaid, unused, non-refundable Land/Sea Arrangements, any reasonable additional expenses for meals and lodging, and the cost of a one-way economy airfare ticket to catch up to the Land/Sea Arrangements or return to the place of origin shown on the travel documents. This coverage is excess of any coverage provided by a Common Carrier or another party at no cost to You.

Missed Connection: The Insurer will pay benefits for Covered Expenses, up to $1,000, if You miss Your Trip departure solely due to weather-related cancellation or delay (of 3 or more hours) of Your flight connections and You make alternate arrangements to catch up to the Trip in progress. Covered Expenses means additional transportation expenses incurred to join the Trip in progress, reasonable accommodation and meal expenses incurred en route to catch up to the Trip (up to $200/day), and non-refundable Trip payments for the unused portion of Your Land/Sea Arrangements.

Excess Insurance Provision: The insurance provided shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted. Please note: Recovery of losses from other parties does not result in a refund of your plan cost.

(see Worldwide Emergency Assistance section). The Insurer will also pay Repatriation of Remains benefits for Transportation to return Your body to Your point of origin in the event of Your death during Your Trip.

Emergency Evacuation means:
a) 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; and/or

b) after being treated at a local hospital, Your medical condition warrants Transportation to Your place of residence to obtain further medical treatment.

Covered Expenses means the reasonable and customary expenses for Transportation (using the most direct and economical route), medical services, and medical supplies necessarily incurred in connection with Your Emergency Evacuation. Expenses for Special Transportation must be required by the standard regulations of the conveyance transporting You.

Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Special Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Trip.

Additional Covered Expenses: If You are hospitalized for more than seven days following a covered Emergency Evacuation, the Insurer will pay: (a) to return Your accompanying dependent children under age 25 to their home, limited to the cost of one-way economy airfare, less the value of applied credit from an unused return travel ticket, with an attendant if necessary; and/or (b) up to the cost of round-trip economy airfare to bring a person chosen by You to and from Your bedside if You are alone. These expenses must be authorized in advance by AIG Travel Assist. Repatriation of Remains means the cost, according to airline tariffs, of the shipment of Your deceased body to the point of origin shown on the original travel tickets. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation.

Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation.

PLEASE NOTE: In no event will all benefits paid for Emergency Evacuation and Repatriation of Remains expenses exceed the coverage limit of $25,000.

Excess Insurance Provision: The insurance provided shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted. Please note: Recovery of losses from other parties does not result in a refund of your plan cost.

The accident causing such Injury must occur during Your Trip and Sickness must first manifest itself during Your Trip. You must receive initial treatment within ninety (90) days of the accident which caused the Injury or the onset of the Sickness. All services, supplies or treatment must be received within 52 weeks of the date of the accident or the onset of the Sickness.

Covered Medical Expenses are necessary services and supplies which are recommended by the attending Physician. They include the services of a legally qualified Physician, surgeon, graduate nurse, dentist, or 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. The Insurer will not pay benefits in excess of the reasonable and customary charges commonly used by providers of medical care in the locality in which the care is furnished.

Excess Insurance Provision: The insurance provided shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted. Please note: Recovery of losses from other parties does not result in a refund of your plan cost.

The maximum benefit per article is $250. There is a combined maximum limit of $500 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold, or platinum; furs, articles trimmed with or made mostly of fur; and cameras and their related equipment.

Excess Insurance Provision: The insurance provided shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted. Please note: Recovery of losses from other parties does not result in a refund of your plan cost.

stated on Your ticket. You must be a ticketed passenger on an Air Common Carrier.

Excess Insurance Provision: The insurance provided shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted. Please note: Recovery of losses from other parties does not result in a refund of your plan cost.

Pre-Trip Health, Safety, & Weather Information: AIG Travel Assist can provide updated information on passport and visa requirements, vaccination information, travel advisories, or even expected weather at Your destination.

Travel Changes: AIG Travel Assist can effect changes to Your itinerary should delays or cancellations affect Your flights or hotel reservations.

Lost Luggage Assistance: AIG Travel Assist can provide assistance in coordinating delivery or re-routing misplaced luggage when checked with a Common Carrier.

Emergency Cash Transfer Assistance: If You need emergency cash during Your Trip, AIG Travel Assist can help arrange a transfer through Your credit cards, family, friends, employer, or similar source.

Medical Consultation and Monitoring: Should You need local medical care during Your Trip, AIG Travel Assist can assist in contacting Your personal Physician or family, if necessary, to provide information on the care You are receiving.

Emergency Legal Assistance: During the course of Your Trip, You may visit many foreign countries. Should any problems arise requiring legal assistance, AIG Travel Assist can help You find English-speaking local counsel.

Emergency Medical & Dental Assistance: Unexpected medical and dental emergencies can happen anywhere, anytime. You may be in unfamiliar surroundings when You suddenly need medical or dental care. AIG Travel Assist can help You locate an English-speaking Physician or dentist or the nearest qualified medical facility, and can also assist in arranging for special emergency medical transportation, such as an air ambulance.

Lost Travel Documents Assistance: AIG Travel Assist's multilingual staff can provide assistance in handling unexpected complications such as lost passports, tickets, luggage, or other valuable travel documents or belongings.

Emergency Medical Payment Assistance: Many foreign hospitals require immediate settlement of bills before treatment or may withhold Your passport until they receive full payment. Physicians and hospitals worldwide can contact AIG Travel Assist to arrange, if required, immediate settlement of Covered Medical Expenses if other sources are not available.

To access emergency assistance, call 1-(800) 543-3797 or, from outside the U.S or Canada, call collect 1-(972) 699-0200 or fax 1-(713) 974-3422.

Note that the problems of distance, information, and communications make it impossible for National Union Fire Insurance Company of Pittsburgh, PA, BerkelyCare, or AIG Travel Assist 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.

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 the Cruise Protection Plan 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.
• Many other unforeseeable events as listed in the Description of Coverage.

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, hijacking, quarantine, and being involved in a documented traffic accident en route to departure. Please refer to the Description of Coverage for full details.

A Pre-existing Condition Exclusion applies to Trip Cancellation, Interruption and Medical claims. Under the pre-existing condition exclusion, the insurer will not pay benefits on claims for Insureds, Traveling Companions or immediate family members booked to travel with the insured arising from a condition which existed during the 60 days immediately preceding the effective date of insurance coverage (the date Expedia receives payment for the Protection Plan). However, certain conditions may be covered, providing the condition for which prescription drug or medication remains controlled throughout the 60 day period. The Pre-Existing Condition Exclusion does not apply to Emergency Evacuations/Repatriations or conditions of non-traveling immediate family members. Specific questions regarding whether a pre-existing condition will be covered should be directed to BerkelyCare at 800-954-4734.

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 AIG Travel Assist, Inc. 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 AIG Travel Assist 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.

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 the Cruise Protection Plan 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.

Examples of situations where you may need to call AIG Travel Assist 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.

Via email: expedia@berkely.com

Via phone: 1-800-954-4968 or 516-342-2500

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 plan was designed and administered by BerkelyCare, a division of Affinity Insurance Services, Inc. in all states except: AIS Affinity Insurance Agency, Inc. in CA/MN/OK; and AIS Affinity Insurance Agency in NH and NY. Claims are administered by BerkelyCare, a division of Affinity Insurance Services, Inc. in all states except: Aon Direct Insurance Administrators in CA; AIS Affinity Insurance Agency, Inc., in OK; and AIS Affinity Insurance Agency in NH and NY. CA Insurance License # 0795465.

Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania Insurance Company (NAIC #19445) and a subsidiary of American International Group, Inc., with its principal place of business at 70 Pine Street, New York, NY 10270, currently authorized to transact business in all states and the District of Columbia. The Policy will contain reductions, limitations, exclusions and termination provisions. All coverages may not be available in all states.

• 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.

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 AIG Travel Assist. Should your medical condition necessitate your medical evacuation to another facility or home, these arrangements are made by AIG Travel Assist.