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Insurance Policy for EFO Anniversary Cruise
November 17, 2011
Fan Club Cruises is happy to make a comprehensive Vacation Protection Plan available to our clients to protect their financial investment in their planned trips. Our insurance is provided by Travel Insured, a major supplier of travel insurance programs.
The information shown below gives the benefits and the prices for Travel Insured's Comprehensive program, their most popular plan and the one we consider to be the best value. Prices and benefits are subject to change and default/bankruptcy protection might not be allowed for certain suppliers. Check with our office for latest information.
Benefits Included
For full descriptions of the following, click on the link above for your cruise.
Travel Insured's Comprehensive Insurance Plan
Travel Insured is committed to protecting all aspects of your trip. We have worked very hard to become one of the industry leaders in travel protection and offer competitive pricing, comprehensive trip protection and an outstanding reputation for service. Worldwide Trip Protector consists of the finest travel protection benefits, which protect you from unexpected occurrences that can happen around the world or around the corner.
Why Purchase Travel Protection?
• You, your family or even your travel companions, become sick or injured and prevent you from traveling.
• You arrive at your destination and your luggage is lost or damaged.
• Your plane is delayed and you end up paying additional expenses.
• You become ill or injured abroad and need medical assistance.
• You are injured during your trip and need to be medically evacuated
The Pre-Existing Condition Exclusion Waiver
The plan must be purchased prior to final payment to be eligible for the waiver of the pre-existing conditions exclusion.
Benefits
Trip Cancellation Protection .............................Up to the trip cost (maximum of $20,000 per person; $40,000 for total policy--for age 80+--maximum of $10,000 per person)
Trip Interruption .............................................….150% of the trip cancellation limit
Travel Delay ($150 per day).....................….$750 (after 6 hours)
Loss of Baggage / Personal Effects .....................$1,500
Baggage Delay................................................$400 (after 24 hours)
Emergency Medical and Dental.................................$50,000
Evacuation/Repatriation....................... $250,000
24-hr Accidental Death & Dismemberment..........$25,000
Assistance Services.............................................. .Included
TRIP CANCELLATION ___________________________
You are eligible for benefits equal to the amount protected for unused non-refundable prepaid expenses for Travel Arrangements whenever You are prevented from taking a Trip for any of the following reasons that occur after the Effective Date of Your Protection Plan:
Sickness, Injury or death involving You or Your Traveling Companion or Your Business Partner or Family Member of either You or Your Traveling Companion which results in medically imposed restrictions as certified by a Legally Qualified Physician at the time of loss preventing Your continued participation in the Trip;
Unannounced strike that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours;
Weather which causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours;
Employer termination or layoff affecting You or a person(s) sharing the same room during Your Trip. Employment must have been with the same employer for at least 3 continuous years;
Primary Residence of You or Your Traveling Companion is rendered uninhabitable by unforeseen circumstances;
Burglary of You or Your Traveling Companion’s primary residence within 10 days of departure of Your Trip;
Felonious Assault of You or Your Traveling Companion within 10 days of departure or during Your Trip;
Terrorism in a country which is part of the Trip which causes the United States Department of State to issue a travel warning that You should not travel within that country for a period of time that would include the Trip;
Hijack, quarantine, jury duty, or court ordered appearance as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
You or Your Traveling Companion are called to emergency military duty for a national disaster other than war;
Traffic accident, substantiated by a police report, directly involving either You or a Traveling Companion while en route to a scheduled departure point;
If Your Travel Supplier cancels Your Trip, You are eligible for benefits up to $75 for the reissue fee charged by the airline for Your tickets. You must have protected the entire cost of Your Trip including the airfare.
All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, report the event as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.
TRIP INTERRUPTION –––––––––––––––––––––––––
If You are prevented from completing a Trip for any of the reasons listed under the Trip Cancellation section that occur after Your Protection Plan Effective Date and after the departure date of the Trip, You are eligible up to the benefit amount protected for:
Any unused prepaid expenses for Travel Arrangements;
Return air: One way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket;
Single supplement upgrade - You are eligible for benefits when Your Traveling Companion cancels or interrupts a trip for a specified reason and You do not.
MEDICAL EXPENSE––––––––––––––––––––––––
You are eligible for benefits up to the benefit amount shown for: 1) Eligible Expenses incurred as a result of an accidental Injury which occurs or Sickness which first manifests itself during the Trip. You must receive initial Medical Treatment for Injury or Sickness within 30 days after the date of the accident that caused the Injury or the onset of Sickness. All treatment must be received within 52 weeks following the date of the accident or after onset of Sickness. 2) Benefits will include expenses for emergency dental treatment not to exceed $750. 3) Advance payment will be made to a Hospital, subject to the applicable benefit amount if needed to secure Your admission to a Hospital because of Sickness or Injury which first occurs during the course of the Trip. The authorized Assistance Company will coordinate advance payment to the Hospital. In all cases, benefits will not be paid in excess of the Usual and Customary Charges.
MEDICAL EVACUATION/REPATRIATION–––––––
You are eligible for benefits up to the benefit amount shown for: 1) Medical evacuation which is determined by a Legally Qualified Physician and the authorized Assistance Company’s medical director when Injury or Sickness is acute or life threatening and adequate treatment is not available at a local Hospital. Transportation will be provided to the closest Hospital or medical facility capable of providing adequate treatment; 2) Medical repatriation is provided when it is deemed Medically Necessary by a Legally Qualified Physician and the authorized Assistance Company for You to return to Your home or a Hospital near Your home for continued treatment. Transportation Expense incurred will be paid for You via one-way Economy Transportation; or commercial upgrade, based on Your condition as recommended by the local attending Legally Qualified Physician and the authorized Assistance Company: a) to return to Your permanent residence; or b) to be moved to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment; 3) Either: a) transportation will be provided for the return trip home via Economy Transportation for any dependent children under 18 who are accompanying You if You are confined to a Hospital for more than 7 consecutive days; or b) if You are traveling alone and are confined to a Hospital for more than 7 consecutive days, this benefit will provide one round-trip Economy Transportation for a person of Your choice to visit You in a Hospital.
These benefits provide the most appropriate and Economical Transportation by the most direct and economical route. This benefit for land or air transportation includes, but is not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized Assistance Company Benefits are calculated less the value of an unused return
TRAVEL DELAY–––––––––––––––––––––––––––––
You are eligible for benefits up to the benefit amount shown for: a) Additional Transportation Cost to join the Trip or return home, including up to $150 per day, up to the maximum benefit limit, for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 6 hours or more and certified due to one of the following reasons: 1) Delay of Common Carrier (which is certified by the Common Carrier); 2) A traffic accident in which You were not directly involved (substantiated by a police report); 3) Documented weather condition preventing You from getting to the point of departure; 4) Quarantine, hijacking, Strike, natural disaster, terrorism or riot; 5) Lost or stolen passports, travel documents or money (must be substantiated by a report to the police or the appropriate authority).
BAGGAGE & PERSONAL EFFECTS –––––––––––––
You are eligible for benefits up to the benefit amount for lost, stolen, or damaged baggage or personal items subject to a maximum reimbursement of up to $250 per article. A maximum of $500 applies to the total amount payable for loss of any or all of the following: jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, articles trimmed with fur, cameras and their accessories and related equipment. In addition, the following reimbursements are included in this benefit: 1) Lost or stolen passport or visa ($50 maximum); 2) Lost or stolen credit cards (cost associated with the unauthorized use- $50 maximum subject to verification that You have complied with all conditions of the credit card company).
BAGGAGE DELAY–––––––––––––––––––––––––––
If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are eligible for benefits up to the benefit amount shown for the expense of necessary purchases of personal items as long as the expense is substantiated by receipts for purchases. The Common Carrier must certify the delay.
ACCIDENTAL DEATH AND DISMEMBERMENT ––––
You are eligible for benefits 24 hours a day, for the benefit amount shown when You sustain Injuries resulting in any of the listed Type of Loss within 180 days from the date of accident, while on a Trip.
TRAVEL ASSISTANCE SERVICES –––––––––––––
The Travel Assistance feature provides a variety of travel related services. Services offered include: Medical evacuation • Medically necessary repatriation • Repatriation of remains • Medical or legal referral • Hospital admission guarantee • Translation service • Lost Baggage retrieval • Inoculation information • Passport/visa information • Emergency cash advance* • Prescription drug/eyeglass replacement* • Bail bond* * Payment reimbursement to the Assistance Company is Your responsibility.
Insured Amount Per Person |
Price per person |
| up to $600 | $30 |
| $601 - $800 | $39 |
| $801 - $1,000 | $49 |
| $1,001 - $1,500 | $69 |
| $1,501 - $2,000 | $89 |
| $2,001 - $2,500 | $112 |
| $2,501 - $3,000 | $130 |
Call for prices for other coverage.
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Fan Club Cruises - A Division of Dorphil Associates,
Inc.
10925 Royal Caribbean Circle - Boynton Beach, FL 33437
800-754-3170 - 561-742-3386 - fax
772-382-2707
email: info@fanclubcruises.com
Florida Sellers of Travel Number: 35825