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Expedia Package Protection Plan This Package Protection Plan is valid only if the appropriate plan cost has been paid to Expedia, Inc. Cancellation Fee Waiver If you change or cancel your trip for ANY REASON not covered under Section II prior to the start of Your Vacation, all package cancellation fees imposed by Expedia will be waived, except the cost of Published Air. Credit may be issued per applicable airline policies less airline change fees and Expedia, Inc. will absorb the change fees. The actual airfare could be higher at the time of rebooking; in that event the price differential would be your responsibility. You are allowed to change or cancel your trip for any reason one (1) time prior to the start of your trip. Benefits under Section I are provided by Expedia, Inc. IMPORTANT: Insurance benefits in Section II are provided by National Union Fire Insurance Company of Pittsburgh, PA, a member company of American International Group (located in NY, NY) and administered by BerkelyCareSM, a division of Affinity Insurance Services, Inc. (located in Jericho, NY). All details outlined in Section II pertain only to the coverages and services indicated in the schedule below.
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 or continuing Your Vacation 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; (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; a) Trip Cancellation -- non-refundable land, car and/or activities expenses prepaid to Expedia, Inc. for Your Vacation, and/or airfare cancellation charges for flights joining or departing Your Land Arrangements; or the additional costs You may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if a person booked to share accommodations with You cancels his/her Vacation for a covered reason and You do not cancel. 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) Trip Interruption -- unused, non-refundable land, car and/or activities expenses prepaid to Expedia, Inc. for Your Vacation, and/or 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 Land Arrangements (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). The Insurer will also pay benefits, up to $100 per day, for reasonable additional accommodation and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your Vacation. Important: In no event shall the amount reimbursed exceed the amount You prepaid for Your Vacation. PLEASE NOTE: You must be medically capable of travel on the day You purchase this plan. All covered reasons for cancellation or interruption of Your Vacation must first occur after Your effective date of Trip Cancellation coverage. The Insurer will pay benefits for Covered Expenses, up to $500 ($100 per day), if Your Vacation is delayed for 12 hours or more en route to or from Your Land Arrangements due to
(ii) lost or stolen passports, travel documents or money; (ii) quarantine; (iv) hijacking; (v) natural disaster; (vi) civil commotion or riot; (vii) delays caused by a traffic accident, en route to a departure, in which You or Your Traveling Companion are not directly involved. Covered Expenses include any prepaid, unused, non-refundable Land Arrangements, any reasonable additional expenses for meals and lodging, and the cost of a one-way economy airfare ticket to catch up to the Land Arrangements or return to the place of origin shown on the travel documents. This coverage is excess of any coverage provided by an Air Common Carrier or another party at no cost to You. Emergency Evacuation and Repatriation of Remains: The Insurer will pay benefits for Covered Expenses, up to $15,000, if an Injury or Sickness commencing during the course of the Vacation results in Your necessary Emergency Evacuation which is verified and approved as necessary by the attending Physician and AIG Assist (see Worldwide Emergency Assistance section). The Insurer will also pay Repatriation of Remains benefits for Transportation to return Your body to Your point of origin in the event of Your death during Your Vacation.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. Repatriation of Remains means: the cost, according to airline tariffs, of the shipment of Your deceased body to the point of origin shown on the original travel tickets. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation. Please Note: The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Vacation. In no event will the benefits paid for all covered Emergency Evacuation and Repatriation of Remains expenses exceed $15,000. Accident & Sickness 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 Vacation. The accident causing such Injury must occur during Your Vacation, and the Sickness must first manifest itself during Your Vacation. 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. The Insurer will reimburse You up to $1,000 for loss, theft, or damage to Your baggage and/or personal effects occurring during Your Vacation. The Insurer will pay the lesser of the following: original cash value of the item less depreciation as determined by the Insurer; or cost of repair or replacement. The maximum benefit per article is $500. You will be reimbursed for expenses of necessary personal effects, up to $500, if Your checked baggage is delayed or misdirected by an Air Common Carrier for more than 24 hours from the time You arrived at the destination stated on Your ticket. You must be a ticketed passenger on an Air Common Carrier.
Part D. Travel Accident Protection Accidental Death & Dismemberment (Air Common Carrier) If You sustain an Injury on the Vacation 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 Vacation, 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 Vacationn, 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 Vacation, You may visit many foreign countries. Should any problems arise requiring legal assistance, AIG Assist can help You find English-speaking local counsel. 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. 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; medical treatment during or arising from a Vacation undertaken for the purpose or intent of securing medical treatment; 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; hang gliding; parachuting (not including parasailing); contests of speed.
CLAIMS PROCEDURE 1) EMERGENCIES ARISING DURING YOUR VACATION For covered emergencies requiring evacuation or interruption of Your Vacation, call AIG Assist immediately. Identify yourself by the above policy number and give the details of Your problem or medical emergency. 2) TRIP CANCELLATION CLAIMS Call Expedia, Inc. and the Plan Administrator immediately at 1-800-EXPEDIA to notify them of Your cancellation. The Plan Administrator will then forward the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable. 3) ALL OTHER CLAIMS UNDER SECTION II 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. ACCIDENT & SICKNESS MEDICAL 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. TRIP DELAY CLAIMS: Submit verification of the airline’s mechanical or scheduling problems, and receipts for additional accommodation and traveling expenses. 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. BAGGAGE DELAY CLAIMS: Verification by the airline of the delay or misdirection of Your checked baggage, as well as copies of the receipts for the items purchased during the delay. Simply select the Package Protection Plan option when booking Your Vacation and pay the amount indicated on Your travel invoice inclusive of this plan cost. You are enrolled upon Expedia's receipt of payment for the applicable plan cost (in addition to required Vacation deposits and/or final balances). Important Notes: Payments for the plan may not be accepted after the Vacation cost has been paid in full. You are not required to purchase the Expedia Package Protection Plan in order to purchase either the Expedia Cancellation Fee Waiver (Section I of this plan) or the insurance product (Section II of this plan). The Expedia Cancellation Fee Waiver may be purchased exclusively through Expedia (on the Activities and Services page of the Expedia website) when purchasing your vacation package. The insurance product may be purchased independently by calling BerkelyCare at 800-797-2293 after booking your Expedia vacation package. This program is administered by:
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. 7/07 Return to previous page
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