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International Flight Protection Program 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.
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.  Return to previous page
PART A. TRAVEL ARRANGEMENT PROTECTION Trip Cancellation and Trip Interruption BenefitsPre-Departure Trip Cancellation We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule for non-refundable cancellation charges imposed by Expedia, Inc., 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 canceled; 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: 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; 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 Flight 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: (a) being directly involved in a documented traffic accident while en route to departure; (b) 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; (c) having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster; (d) Your involuntary termination of employment or layoff which occurs after your effective date of coverage. 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. Medical Expense/Emergency Assistance Benefits We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip; We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance. Covered Expenses: Medical Expense:
We will not pay Medical Expense/Emergency Assistance Benefits if your Covered Trip destination is traveling to your Home and the Covered Trip is longer than 31 consecutive days. In no event will all benefits paid for Emergency Evacuation expenses exceed the coverage limit of $15,000. Please Note: In no event will all benefits paid for Repatriation expenses exceed the coverage limit of $15,000. Baggage and Personal Effects Benefit We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage. Valuation and Payment of Loss Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 80% 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. Items Subject to Special Limitations We will not pay more than $500 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. There is a $200 per article limit. PART D. TRAVEL ACCIDENT PROTECTION Air Common Carrier Benefits We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs: 1) while a passenger in or on, boarding or alighting from an Air Common Carrier; or 2) being struck or run down by an Air Common Carrier of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire, while you are on a Covered Trip and covered under the plan, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.
If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight. PART E. WORLDWIDE EMERGENCY ASSISTANCE (On Call International) Not a care in the world… when you have our 24/7 global network to assist you
* If you have any difficulty making this collect call, contact the local phone operator to connect you to a US-based long-distance service. In this case, please let the Assistance Provider answering the phone know the number you are calling from, so that he/she may call you back. Any charges for the call will be considered reimbursable benefits. Note that the problems of distance, information, and communications make it impossible for Stonebridge Casualty Insurance Company, BerkelyCare, Expedia, Inc., or On Call International 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. DEFINITIONS IN PARTS A & B: WE WILL NOT PAY FOR ANY LOSS CAUSED BY OR INCURRED RESULTING FROM:
ITEMS NOT COVERED WE WILL NOT PAY FOR DAMAGE TO OR LOSS OF:
WE WILL NOT PAY FOR LOSS ARISING FROM:
THE FOLLOWING EXCLUSIONS APPLY TO THE ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE:
When Coverage Begins All coverages (except Pre-Departure Trip Cancellation andPost-Departure Trip Interruption) 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 12:01 A.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:
EMERGENCIES ARISING DURING YOUR COVERED TRIP: Please refer to Part E. Worldwide Emergency Assistance. TRIP CANCELLATION CLAIMS: Contact 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. 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) 954-4734 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: Accident & Sickness Medical Claims – receipts from the treating Physicians, etc. stating the amounts paid and listing the diagnosis and treatment; submit these first to your other medical plans. Forward a copy of their final disposition of your claim to BerkelyCare. Your duties in the event of a Medical or Dental Expense:
Medical statements from the Physicians in attendance in the country where the Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Or, verification of the Air Common Carrier’s mechanical or scheduling problems, or verification of other covered reason causing delay. Provide all unused transportation tickets, official receipts, etc. Your duties in the event of a Baggage Delay Claims: Verification by the Air Common Carrier representative, who must certify the delay or misdirection, including dates of loss and return. Note that receipts for any additional covered expenses will be required, as well as verification of any delay. Your duties in the Event of a Baggage/Personal Effects Loss: In case of loss, theft or damage to Baggage and Personal Effects, you should: 1) immediately report the situation incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and 2) take reasonable steps to protect your Baggage from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Baggage. Submit claim first to party responsible, as well as your regular property insurer. Forward copies of the outcome of your claim to BerkelyCare with the appropriate documentation, including copies of receipts for the lost, stolen, or damaged articles, if available. Payment for the coverage may not be accepted after the Flight Cost has been paid in full. Simply select the Flight Protection Plan option when booking your Flight. You are enrolled upon Expedia, Inc.’s receipt of payment for the applicable plan cost (in addition to the amount due for your Flight.
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.
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. Payment of Claims Claims for benefits provided by the plan will be paid as soon as written proof is received. Benefits for loss of life will be paid to your estate, or if no estate, to 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. 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
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