TRAVEL TOOLS

Flight Protection Plan – International

General
Why should I purchase the Flight Protection Plan (International)?
What does the Flight Protection Plan (International) cover?
Will my current home, renters, credit card, or health insurance policies cover my trip?
Is there help while I'm traveling?
Who can I contact for more information?

Enrollment
When is payment for the plan due?
How do I enroll in the Flight Protection Plan?
When does coverage go into effect and will it cover me for the entire length of my trip?
I am not a U.S. or Canadian resident; can I purchase the plan?

Claims
What happens if I need to cancel my trip?
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 trip, are my medical bills covered?
How do I file a claim?

Definitions/Exclusions
Who is considered an "Immediate Family" member under the plan?
Are there exclusions?
Is there a Pre-Existing Condition Exclusion?

See Answers to these frequently asked questions below.



Why should I purchase the Flight Protection Plan (International)?
Youíve saved, youíve waited, and now youíre all set to go on the trip of your life. Preparing for your trip should include covering yourself against unfortunate occurrences that can interfere with even your best-laid plans. By purchasing the Flight Protection Plan, you can be reimbursed for covered cancellation penalties, medical costs, baggage loss, and travel delays, as well as gain access to a wide range of travel assistance 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 canít 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.
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    What does the Flight Protection Plan (International) cover?
    The Flight Protection Plan (International) includes coverage before and during your trip for the following:

    Trip Cancellation and Trip Interruption
    If you must cancel or interrupt your flight for a covered reason, the plan provides coverage up to the cost of your originally booked flight.

    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.

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    Will my current home, renters, credit card, or health insurance policies cover my trip?
    The Flight Protection Plan (International) has a wide range of travel benefits which credit card, homeowners, and renters insurance policies often do not offer. Other insurance policies may not offer coverage while you travel due to benefit limits, territory restrictions, and deductibles. Most people don't have any insurance coverage at all if they must cancel their trip. However, you should review your own policies carefully to see what is covered.

    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.

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    Is there help while I'm traveling?
    An added value offered with the Flight Protection Plan (International) is the 24-Hour Emergency Assistance Service. AIG Travel Assist is a leader in this field. With AIG Travel Assist, you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, or referrals. They are also equipped to respond in many unexpected circumstances, such as arranging air ambulance transportation in medical emergencies. If an emergency should arise during your trip, call AIG Travel Assist immediately and give the details of your problem or medical emergency.

    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.

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    Who can I contact for more information?
    You may contact BerkelyCare, the plan administrator, with any questions regarding the Flight Protection Plan (International). Their CustomerCare representatives will be happy to assist you.

    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.

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    When is payment for the plan due?
    The plan must be purchased when your flight is purchased.

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    How do I enroll in the Flight Protection Plan?
    The option to enroll is presented to you in the Featured Activities and Services section online while booking your ticket. If you would like to purchase the Flight Protection Plan, simply select it and the cost of the plan is automatically included in the total amount due for your trip. Simply pay the amount indicated to purchase the plan.

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    When does coverage go into effect and will it cover me for the entire length of my trip?
    The Trip Cancellation coverage takes effect upon receipt of the required plan cost by Expedia. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. The plan will cover you for the entire length of your Expedia-booked ticket.

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    I am not a U.S. or Canadian resident; can I purchase the plan?
    The Flight Protection Plan is available only to U.S. and Canadian residents who book their travel arrangements with Expedia.

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    What happens if I need to cancel my trip?
    Please contact Expedia and BerkelyCare as soon as possible in the event of a claim, as the insurer will not reimburse you for any additional charges incurred due to a delay in notifying Expedia of your cancellation. BerkelyCare will then forward you the appropriate claim form in order to file a claim.

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    How do I get reimbursement if my bags and/or personal items are damaged/stolen/lost while I am traveling?
    First, obtain verification from the appropriate authority to whom you reported the loss (for example, airline, hotel, transportation official, police, etc.).The baggage coverage in the plan will reimburse the cost of repair or replacement for the luggage and covered contents inside the luggage. Upon your return home, simply request a claim form by visiting www.travelclaim.com or calling BerkelyCare at 1-800-954-4968.

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    If I require medical care while on my trip, are my medical bills covered?
    Yes. The insurer reimburses up to $5,000 for a covered accident and up to $5,000 for a covered illness that occurs during your trip. In order to be reimbursed, save any receipts and statements from the treating physician. Upon your return home, simply request a claim form by visiting www.travelclaim.com or calling BerkelyCare at 1-800-954-4968. You will be asked to forward copies of your medical bills, as well as any explanation of benefit forms you may receive from your regular health insurer in regard to this loss, as the medical coverage in this plan is excess to any other insurance you may have for these expenses.

    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.

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    How do I file a claim?
    You may request a claim form online via www.travelclaim.com or alternatively, call BerkelyCare, the plan administrator, at 1-800-954-4968 from 8:00 AM to 10:00 PM EST Mon-Fri or 9:00 AM to 5:00 PM EST Sat. Please note that you may want to have a copy of your Expedia invoice handy as there are some details that will be needed in order to initiate your claim. This information includes your travel dates, date of cancellation, booking number, and some brief information regarding your reason for cancellation, or other type of loss (i.e., baggage loss, medical claims, etc.). Important: If you are canceling your trip, be sure to also contact Expedia to notify them of the cancellation, as well as to avoid additional expenses due to late reporting. For covered emergencies during your trip which require evacuation, interruption, or other travel-related emergencies, call AIG Travel Assist at the telephone number provided with your travel documents and provide them with your plan number and emergency details.

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    Who is considered an "Immediate Family" member under the plan?
    Our definition of "Immediate Family" is quite broad. It's not just the family members who reside with you. "Immediate Family" includes: parents, spouses, domestic partners, grandparents, siblings, siblings-in-law, children, grandchildren, aunts, uncles, nieces, nephews, and business partners. See the Definitions section of the Description of Coverage for a full listing.

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    Are there exclusions?
    Certain restrictions do apply. For example, the coverage in the plan does not provide duplicate payments if there are other sources of reimbursement available. Please see the Description of Coverage for a full list of exclusions.

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    Is there a Pre-Existing Condition Exclusion?
    The Flight Protection Plan does not have a pre-existing condition exclusion.

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