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Expedia Flight Protection Plan
The benefits in this plan are subject to certain restrictions and exclusions. Please read this document in its entirety for a complete description of all coverage terms and conditions. Coverage is only available to U.S. and Canadian residents.  Return to previous page
Part A. Travel Arrangement Protection Trip Cancellation/Trip Interruption In the event You are prevented from taking Your Flight because:(a) You, a Traveling Companion, or an Immediate Family member suffers an Injury, Sickness or death; or (b) You or Your Traveling Companion
(ii) has a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; or (iii) is directly involved in a documented traffic accident while en route to departure; the Insurer will pay benefits for: Trip Cancellation - non-refundable Flight cancellation charges up to Your total Flight cost.
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. The Insurer will pay benefits for Covered Expenses, up to $15,000, if an Injury or Sickness commencing during the course of the Trip results in Your necessary Emergency Evacuation. 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 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 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:
b) required by the standard regulations of the conveyance transporting You; AND c) verified, approved, and arranged in advance by AIG Assist. 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 Assist. In no event will the amount paid for Emergency Evacuation expenses exceed $15,000. Medical Expense The Insurer will reimburse You, up to $5,000, if You incur necessary Covered Medical Expenses as a result of an Injury or Sickness occurring while on Your Trip. 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. Repatriation of Remains The Insurer will pay the reasonable Covered Expenses incurred, up to $15,000, to return Your body to Your point of origin if You die during the Trip. 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. The Insurer will reimburse You up to $1,000 for loss, theft, or damage to Your baggage and/or personal effects occurring during Your Trip. 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.
Part D. Travel Accident Protection Accidental Death & Dismemberment (Air Common Carrier) If You sustain an Injury on the Trip while as a passenger in, on, boarding or alighting from an Air Common Carrier and/or as a result of being struck down by an Air Common Carrier which results in 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. Part E. Worldwide Emergency Assistance (AIG Assist) AIG Assist provides a 24-hour emergency telephone assistance service for Your benefit so that, in the event of an emergency during the term of this coverage, English-speaking help and advice may be furnished.Pre-Trip Health, Safety & Weather Information: AIG Assist can provide updated information on passport and visa requirements, vaccination information, travel advisories, or even expected weather at Your destination. Travel Changes: AIG Assist can effect changes to Your itinerary should delays or cancellations affect Your flights or hotel reservations. Lost Luggage Assistance: AIG 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 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 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 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 Assist can help coordinate payment of foreign medical bills. Physicians and hospitals worldwide can contact AIG Assist to arrange transfers through Your credit cards, family, friends, employers or primary health insurer. Lost Travel Documents Assistance: AIG 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 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. National Union Fire Insurance Company of Pittsburgh, PA, BerkelyCare, and AIG 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. DEFINITIONS Naturally, as with any protection program, limitations exist. These exclusions enable us to provide a broad range of benefits at an economical cost to You, without the necessity of medical questionnaires, and to supplement Your existing insurance plans. THIS INSURANCE DOES NOT COVER: IN PARTS A & B: ANY LOSS CAUSED BY OR RESULTING FROM: Sickness or disease except as provided for in the policy; war or any act of war whether declared or not; while serving as a member of the armed services; while or as a result of riding in any device for aerial navigation other than as provided for in the policy; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt thereat; elective surgery; elective, non-emergency dental treatment or surgery; elective abortion; normal pregnancy, unless hospitalized; mental or nervous disorders, unless hospitalized. IN PART C: ANY LOSS OF OR DAMAGE TO: animals; automobiles and their equipment; boats; motors; motorcycles; other conveyances and their equipment (except bicycles while checked as baggage with a common carrier); household furniture; eyeglasses, sunglasses and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; money and securities; tickets and documents; sporting equipment, if loss or damage results from the use thereof. ANY LOSS CAUSED BY OR RESULTING FROM: breakage of brittle or fragile articles such as, cameras, musical instruments, radios and similar property; confiscation or expropriation by order of any government; theft or pilferage while left unattended in any vehicle; mysterious disappearance. IN PART D: ANY LOSS CAUSED BY OR RESULTING FROM: suicide or attempted suicide while sane; intentionally self-inflicted injuries; participation in any professional, semi-professional or inter-scholastic team sports; scuba diving; skydiving; snowskiing; hang gliding; parachuting (not including parasailing); contests of speed.
CLAIMS PROCEDURE TRIP CANCELLATION CLAIMS Contact Expedia, Inc. and the Plan Administrator IMMEDIATELY to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. You will then be forwarded the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable. EMERGENCIES ARISING DURING YOUR TRIP For covered emergencies requiring evacuation or interruption of Your Trip, call AIG Assist immediately. Identify yourself by the following policy number: 8979-9500409 and give the details of Your problem or medical emergency. ALL OTHER CLAIMS Report Your claim as soon as possible to the Plan Administrator. Provide the above policy number, Your reservation number, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, You will promptly be forwarded the appropriate claim form to complete.
In order to facilitate prompt claims settlement, be sure to obtain as applicable: TRIP INTERRUPTION CLAIMS: Medical statements from the Physician in attendance in the country where Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Return all unused transportation tickets and documents, with all official receipts, etc., directly to the Plan Administrator. MEDICAL EXPENSE CLAIMS: Receipts from the treating Physicians, etc. stating the amounts paid and listing the diagnosis and treatment. Submit these first to other medical plans; then forward a copy of their final disposition of Your claim, as well as copies of the bills, to the Plan Administrator. BAGGAGE CLAIMS: Police reports or claim reports from parties responsible (e.g., airline, hotel, etc.) for loss, theft, or damage to personal belongings; receipts for items lost, stolen, or damaged; repair estimates, appraisals. Submit claim first to party(ies) responsible. Forward copies of the outcome of Your claim to the Plan Administrator with the appropriate documentation. Simply select the Flight Protection Plan option when booking your trip. You are enrolled upon Expedia, Inc.'s receipt of payment for the applicable plan cost (in addition to the amount due for Your Flight). Please Note: Payments for the plan may not be accepted after the cost of the Flight has been paid in full. This program is administered by:
This plan was designed and is 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 License # 0795465.
This plan is underwritten by National Fire Insurance Company of Pittsburgh, PA; Executive Offices: New York, New York
The information contained on this website is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. Return to previous page
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