Insurance Information
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, call and request the
Travel Insured brochure
Worldwide Trip Protector
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
10-Day Advantage
The
Pre-Existing Condition Exclusion Is Waived
Provided You purchase Worldwide Trip Protector within seven (10)
days of Your initial Trip payment; protect the full
non-refundable cost of Your Trip; are medically able to travel on the date
You purchase Worldwide Trip Protector and have not filed a Trip
Cancellation claim due to a Pre-Existing Condition within 180 days prior
to the Effective Date of Your Protection Plan.
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).....................
.$500
(after 6 hours)
Loss
of Baggage / Personal Effects .....................$1,000
Baggage
Delay................................................$200 (after 24
hours)
Emergency
Medical and Dental.................................$5,000
Emergency
Medical Transportation....................... $50,000
24-hr
Accidental Death & Dismemberment..........$10,000
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 Companions 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 Companys 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.
Prices
Prices shown are per person (family members can be on the same policy).
Insured Amount
Per Person |
Price
per person |
| $0 - $600 |
$50 |
| $601 - $800 |
$65 |
| $801 - $1,000 |
$70 |
| $1,001 - $1,500 |
$85 |
| $1,501 - $2,000 |
$99 |
| $2,001 - $2,500 |
$125 |
| $2,501 - $3,000 |
$185 |
| $3,001 - $3,500 |
$250 |
| $3501 - $4,000 |
$350 |
| $4,001 - $4,500 |
$395 |
| $$,501 - $5,000 |
$475 |
| $5,000 - $6,000 |
$540 |
| $6,001 - $7,000 |
$615 |
| $7,001 - $8,000 |
$690 |
| $8,001 - $9,000 |
$825 |
| $9,001 - $10,000 |
$925 |
Call for pricing on trips from $10,001-$20,000.
Maximum coverage is $20,000 per person; $40,000 per policy ($10,000 for
age 80+).
