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Domestic Protection Plan Flight

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

Travel Insurance Certificate

Policy Number MZ0911076H0000A

DESCRIPTION OF COVERAGE
Schedule: Expedia, Inc. Maximum Benefit Amount
Trip Cancellation Total Flight Cost
Trip Interruption Total Flight Cost
 
Definitions  
General Plan Exclusions  
Term of Coverage  
Claims Procedure  
Enrollment Procedure  
General Provisions  
Claims Provisions  
Notice to Washington Residents  

The benefits provided in this program are subject to certain restrictions and exclusions. Please read this brochure in its entirety for a complete description of all coverage terms and conditions. Note: Words beginning with capital letters are defined in this text.

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SUMMARY OF COVERAGES

PART A. TRAVEL ARRANGEMENT PROTECTION

Trip Cancellation and Trip Interruption Benefits

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 Trip 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 Trip. 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 Trip is cancelled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip.

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 Trip.

Note: As respects air cancellation penalties, you will be covered only for air arrangements booked through Expedia, Inc. and flights connecting to such air arrangements booked through Expedia, Inc. We will not pay benefits for cancellation charges imposed on any other air arrangements you may book on your own.

Post-Departure Trip Interruption
We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if: 1) your arrival on your Covered Trip is delayed; or 2) you are unable to continue on your Covered Trip after you have departed on your Covered Trip 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. 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 Trip 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 Trip 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 Trip or to prevent you from continuing your Covered Trip.

Post-Departure Trip Interruption Benefits
We will reimburse you, less any refund paid or payable, for the following:
  1. the additional transportation expenses by the most direct route from the point you interrupted your Covered Trip: a) to the next scheduled destination where you can catch up to your Covered Trip; or (b) to the final destination of your Covered Trip;
  2. the additional transportation expenses incurred by you by the most direct route to reach your original Covered Trip 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.
In no event shall the amount reimbursed under Trip Cancellation or Trip Interruption exceed the amount you prepaid for your Flight.

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 Covered Trip must occur after your effective date of Trip Cancellation coverage.

Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: 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:
  1. being directly involved in a documented traffic accident while en route to departure;
  2. 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;
  3. having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
  4. Your involuntary termination of employment or layoff which occurs after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons.



DEFINITIONS

In the certificate, “you”, “your” and “yours” refer to the Insured. “We”, “us” and “our” refer to the company providing the coverage. In addition certain words and phrases are defined as follows:

Accident means a sudden, unexpected, unintended and external event, which causes Injury.

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 Trip means a period of travel away from Home to a destination outside your city of residence; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and return dates specified when the Insured enrolls; and the Trip does not exceed 31 consecutive days in length.

Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire.

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.

Flight means a scheduled trip for which coverage has been elected and the plan payment paid and all travel arrangements are arranged by the Expedia, Inc. prior to the Scheduled Departure Date of the trip.

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, 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 Trip, and pays any required plan payment.

Insurer means Stonebridge Casualty Insurance Company.

Payments or Deposits means the cash, check or credit card amounts actually paid to Expedia, Inc. for your Flight. 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 enforced isolation of an Insured and/or the restriction of free movement of an Insured suffering or suspected to suffer from a contagious disease to prevent the spread of contagious disease.

Schedule means the benefit schedule shown on the Certificate for each Insured.

Scheduled Departure Date means the date on which you are originally scheduled to leave on your Covered Trip.

Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered Trip started or to a different final destination.

Scheduled Trip Departure City means the city where the scheduled trip on which you are to participate originates.

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.

Traveling Companion means a person whose name(s) appear(s) with you on the same Trip arrangement and who, during the Trip, will accompany you.



GENERAL PLAN EXCLUSIONS

WE WILL NOT PAY FOR ANY LOSS CAUSED BY OR INCURRED RESULTING FROM:
  1. mental, nervous, or psychological disorders, except if hospitalized;
  2. being under the influence of drugs or intoxicants, unless prescribed by a Physician;
  3. normal pregnancy, except if hospitalized; or elective abortion;
  4. declared or undeclared war, or any act of war;
  5. service in the armed forces of any country;
  6. operating or learning to operate any aircraft, as pilot or crew;
  7. any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
  8. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
  9. elective Treatment and Procedures;
  10. medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;
  11. business, contractual or educational obligations of you, an Immediate Family Member or Traveling Companion;
  12. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
  13. 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.



TERM OF COVERAGE

When Coverage Begins
All coverages 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 Trip; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered Trip.

Pre-Departure Trip Cancellation coverage will take effect on the day your plan payment is received by Expedia, Inc. Coverage begins at 12:01A.M. Standard Time of the effective date of the certificate if the required plan payment is received. 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:
  1. the date the Covered Trip is completed;
  2. the Scheduled Return Date;
  3. your arrival at the return destination on a round-trip, or the destination on a one-way trip;
  4. cancellation of the Covered Trip covered by the plan.



CLAIMS PROCEDURE

  1. TRIP CANCELLATION CLAIMS: Call Expedia, Inc. and BerkelyCare IMMEDIATELY to notify them of your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare 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.
  2. ALL OTHER CLAIMS: Report your claim as soon as possible to BerkelyCare. Provide the policy number, your travel dates, and details describing the nature of your loss. Upon receipt of this information, BerkelyCare will promptly forward you the appropriate claim form to complete. If you are cancelling due to a death, a death certificate will be required

Online: www.travelclaim.com

Phone: 1-(800) 954-4968 or 1-(516) 342-2720

Mail:
BerkelyCare, 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 11753

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: detailed medical statements from Physicians in attendance where the Accident or Sickness occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Provide all unused transportation tickets, official receipts, etc.




ENROLLMENT PROCEDURE

Simply select the Flight Protection Plan option when booking your Flight and pay the amount indicated on your travel invoice inclusive of the plan cost. You are enrolled upon Expedia, Inc.’s receipt of payment for the applicable plan cost in addition to the amount due for your Flight.

IMPORTANT: Payment for the coverage may not be accepted after cost has been paid in full.

Eligibility: This plan is available to US and Canadian residents only.

This program was designed 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.




For additional information regarding the plan,
call BerkelyCare at 1-800-954-4968 or 1-516-342-2720
or email: expedia@berkely.com

Office hours: 8 AM – 10 PM ET, Monday – Friday, 9 AM – 5 PM ET, Saturday

Ask for the Expedia Flight Protection Plan Help Line






GENERAL PROVISIONS

Our Right To Recover From
Others We have the right to recover any payments we have made from anyone who may be responsible for the loss. You and anyone else we insure must sign any papers and do whatever is necessary to transfer this right to us. You and anyone else we insure will do nothing after the loss to affect our right.




CLAIMS PROVISIONS

Payment of Claims Claims for benefits provided by the plan will be paid as soon as written proof is received. Benefits are paid directly to you, unless otherwise directed. Any accrued benefits unpaid at your death will be paid to your estate, or if no estate, to your beneficiary. If you have assigned your benefits, we will honor the assignment if a signed copy has been filed with us. We are not responsible for the validity of any assignment.

This plan is underwritten by:
Stonebridge Casualty Insurance Company.


Travel Insurance is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, CT, HI, NE, NH, PA, TN and TX Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OR, OH, VT, WA and WY Policy Form #’s TAHC5100IPS and TAHC5200IPS.

If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA or WY) your plan is provided on an individual form. You can request a copy of your policy by calling BerkelyCare at 1-800-453-4090.




NOTICE TO WASHINGTON RESIDENTS

The brochure to which this document is attached is amended with respect to residents of Washington as follows:

SUMMARY OF COVERAGES
The first paragraph of the Accidental Death and Dismemberment section, if that section is included on your brochure, is deleted in its entirety and replaced with the following: We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Trip and covered under the policy, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit shown on the Schedule.

The Baggage and Personal Effects Benefit, Valuation and Payment of Loss section, if included on your brochure, is deleted in its entirety and replaced with the following: Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon the Actual Cash Value. For items without receipts, payment of loss will be calculated based upon 75% 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.

The Baggage and Personal Effects Benefit, Notice to Florida Residents section, if included on your brochure, is deleted in its entirety.

EXCLUSIONS If an exclusion for “being under the influence of drugs or intoxicants, unless prescribed by a Physician” is included on your brochure, that exclusion is deleted in its entirety and replaced with “alcoholism and/or drug addiction”. If an exclusion for “nuclear reaction, radiation or radioactive contamination” is included on your brochure, that exclusion is deleted in its entirety.

The following sections are added:

TEN DAY RIGHT TO EXAMINE POLICY
If you are not satisfied for any reason, you may return this Policy within 10 days after receipt. Your premium will be refunded. When so returned, the Policy is void from the beginning. Return the Policy to us at our Administrative Office or to our authorized agent.

GENERAL PROVISIONS
ARBITRATION If we and you disagree on the amount of loss, either may make written demand for arbitration. In this event, each party will select a competent and impartial arbitrator. The two arbitrators will select a third. If they cannot agree within 30 days, either may request that selection be made by a judge of a court having jurisdiction. Each party will (1) pay the expense if incurred and (2) bear the expenses of the third arbitrator equally. A decision agreed to by two arbitrators will be binding.

CONCEALMENT OR FRAUD We do not provide coverage if you have intentionally concealed or misrepresented any material fact or circumstance relating to this policy. We will promptly return the unearned portion of any premium paid.

CONFORMITY TO LAW Any provision of this policy that is in conflict with the laws of the state in which it is issued is amended to conform with the laws of that state.

DUPLICATION OF COVERAGE You may only purchase one policy from us for each Trip. If you do purchase more than one policy for a specific Trip, the maximum limit of coverage payable will be as specified in the policy with the highest level of benefits. We will refund premiums received from you under any other policy.

ENTIRE CONTRACT; CHANGES Any statement you make is a representation and not a warranty. No statement will be used by us to void or reduce benefits unless that statement is a part of any written application form. This policy may be changed at any time by written agreement between us. Only our President, Vice President or Secretary may change or waive the provisions of this plan. No agent or other person may change this plan or waive any of its terms. The change will be endorsed on this plan.

EXAMINATION UNDER OATH As often as we may reasonably require, you or any person making a claim under this policy must submit to examination under oath.

MAXIMUM BENEFIT AMOUNT The maximum benefit amount for each claim is listed in the Schedule or application form, subject to the individual benefit amount and the company’s maximum limit of liability. The total limit of our liability for any one covered event, in which two or more persons submit a claim, is subject to the individual benefit amount and the company’s maximum limit of liability. In the event of multiple claims by you for one event, the available funds will be distributed in order of notice of claim by each insured subject to the above limitations.

OUR RIGHT TO RECOVER FROM OTHERS We have the right to recover any payments we have made from anyone who may be responsible for the loss. You and anyone else we insure must sign any papers and do whatever is necessary to transfer this right to us. You and anyone else we insure will do nothing after the loss to affect our right.

CLAIMS PROVISIONS
LEGAL ACTIONS No legal action may be brought to recover on this plan within 60 days after written proof of loss has been given. No such action will be brought after three years from the time written proof of loss is required to be given. If a time limit of this plan is less than allowed by the laws of the State where you live, the limit is extended to meet the minimum time allowed by such law.

NOTICE OF CLAIM We must be given written notice of claim within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. Notice may be given to us or to our authorized agent. Notice should include the claimant’s name and enough information to identify him or her.

PHYSICAL EXAMINATION AND AUTOPSY At our expense, we have the right to have you examined as often as necessary while a claim is pending. At our expense, we may require an autopsy unless the law or your religion forbids it.

PAYMENT OF CLAIMS Benefits for loss of life will be paid to your estate, or if no estate, your beneficiary. All other benefits are paid directly to you, unless otherwise directed. Any accrued benefits unpaid at your death will be paid to your estate, or if no estate, to your beneficiary. If you have assigned your benefits, we will honor the assignment if a signed copy has been filed with us. We are not responsible for the validity of any assignment.

PROOF OF LOSS Written Proof of Loss must be sent to us within 90 days after the date the loss occurs. We will not reduce or deny a claim if it was not reasonably possible to give us written Proof of Loss within the time allowed. In any event, you must give us written Proof of Loss within twelve (12) months after the date the loss occurs unless the Insured is legally incapacitated.
Notice: Your coverage is underwritten by Stonebridge Casualty Insurance Company under Policy Forms TAHC5100IPS and TAHC5200IPS.

1/2010
10527242

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