(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;
(iv) is terminated or laid off provided that You or Your Traveling Companion has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage;

The Insurer will pay benefits for:

Trip Cancellation: Non-refundable Flight cancellation charges up to Your total Flight cost. Special Conditions: You must advise Expedia, Inc. and the Plan Administrator at 1-(800) 954-4734, as soon as possible in the event of a Trip Cancellation 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.

Trip Interruption: The airfare paid, less the value of applied credit from an unused return travel ticket, to return to Your city of residence or rejoin the original Trip (limited to the cost of one-way economy airfare by a scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets) up to Your total Flight cost.

IMPORTANT: The covered reason for cancellation or interruption of Your Flight must first occur after Your effective date of Flight cancellation coverage.

In no event shall the amount reimbursed exceed Your total Flight cost.

EXCESS INSURANCE PROVISION: The insurance provided under parts A, B and C shall be in excess of all valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.

An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of Your Injury or Sickness warrants an Emergency Evacuation. Emergency Evacuations must be verified, approved, and arranged in advance by AIG Travel Assist. 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. In no event will the benefits paid for all covered Emergency Evacuation expenses exceed the coverage limit.

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

Special Conditions: You must advise Expedia, Inc. and the Plan Administrator at 1-(800) 453-4079, as soon as possible in the event of a Trip Cancellation 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) after being treated at a local hospital, Your medical condition warrants Transportation to Your origination point to obtain further medical treatment or to recover.

Covered Expenses are reasonable and customary expenses for Transportation, medical services,and medical supplies necessarily incurred in connection with Your Emergency Evacuation AND recommended by the attending Physician. All Transportation arrangements made for Your evacuation must be by the most direct and economical route possible. Expenses for Special Transportation must be:

a) recommended by the attending Physician;
b) required by the standard regulations of the conveyance transporting You; AND
c) verified, approved, and arranged in advance by AIG Assist.

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.

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.

In no event will the amount paid for Emergency Evacuation expenses exceed $15,000.

EXCESS INSURANCE PROVISION: The insurance provided under parts A, B and C shall be in excess of all valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.

The accident causing such Injury must occur during Your Trip, and the 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 fifty-two (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; 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 under parts A, B and C shall be in excess of all valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.

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

In no event will the benefits paid for Repatriation of Remains exceed $15,000.

EXCESS INSURANCE PROVISION: The insurance provided under parts A, B and C shall be in excess of all valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.

The Insurer will pay the lesser of the following: original cash value of the of the item less depreciation as determined by the Insurer; or cost of repair or replacement. The maximum benefit per article is $200. There will be 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 under parts A, B and C shall be in excess of all valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.

death or loss of limb, eyesight, speech, or hearing within 365 days of the date of the accident, the Insurer will pay the largest applicable amount as follows: the benefit amount shown in the Schedule of Coverages for death, loss of speech and hearing in both ears, or loss of any combination of two hands, feet, or eyes; one-half the benefit amount for loss of any one of these; and one-quarter the benefit amount for loss of thumb and index finger of the same hand. In no event will the Insurer pay more than the maximum benefit amount shown on the Schedule of Coverages for all losses due to the same accident.

Beneficiary: Your estate, unless notice of a designated beneficiary is provided to the Plan Administrator.

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 of 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 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.

Coordination of Medical Payments: AIG Travel Assist can help coordinate payment of foreign medical bills. Physicians and hospitals worldwide can contact AIG Travel Assist to arrange transfers through Your credit cards, family, friends, employers or primary health insurer.

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 at 1-(972) 699-0200, or FAX 1-(713) 974-3422.

National Union Fire Insurance Company of Pittsburgh, PA, BerkelyCare, and AIG Travel Assist assume no responsibility for the availability, quality, use, or results of any emergency service. You are responsible for obtaining, using, and paying for any such services.

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 departure, there is important coverage included such as reimbursement for loss of personal items and baggage. And of course, having coverage that pays for unexpected medical expenses, most notably pricey evacuation expenses, is critical.

Did you know that the Flight Protection Plan (International) 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.

There is no Pre-existing Condition Exclusion in the Flight Protection Plan.

Emergency Evacuation/Repatriation of Remains
If an injury or illness requires emergency medical transportation to the nearest adequate medical facility, the plan will pay up to $15,000 for covered transportation expenses. In the event of your death, the plan pays up to $15,000 toward the 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 $5,000 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 trip, the plan includes coverage to reimburse you up to $1,000 per insured person. Note that baggage coverage is excess to any other insurance you may have for these expenses.

Travel Accident Protection
If your should sustain an injury that results in a loss of life or limb while boarding or alighting from an aircraft, the plan provides a benefit of up to $50,000.

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 Flight 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.). Plus, many plans do not pay for evacuations, which can be very expensive. Of course, individual medical coverage does not cover other expenses incurred if you need to cancel or interrupt your trip due to a covered injury or illness.

Many credit cards have only limited coverage and assistance service, with only a few including coverage to reimburse you 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 102770, 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.

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.