Important: This program is valid only when the appropriate plan cost has been received by Delta Vacations. The plan cost is per person and non-refundable. The program must be purchased at the time of deposit. Please keep this document as your record of coverage.
Allows travelers to cancel their vacation for any reason with the guarantee of a full refund from Delta Vacations of the package price (excluding the cost of The Vacation Protection Plan). However, please note:
- The "cancel for any reason" provision does not cover all airfares, trip components, penalties, and certain other surcharges. Section I of The Vacation Protection Plan does not cover non-refundable airfares, airline-imposed cancellation fees, lost ticket fees, unused or partially unused components or features, revision fees, or highly restrictive components.
- Some of these trip components may be eligible for coverage under the insurance benefits outlined in Section II of The Vacation Protection Plan.
- Reduction to the number of persons traveling and certain modifications are considered revisions and will not be protected under The Vacation Protection Plan.
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No Shows unused or non-cancelled reservations are under full forfeiture and are not covered under any component of this policy.
Important
Section I is provided by Delta Vacations. Please call Delta Vacations at 1-(888)800-6068 with any questions regarding Section I of The Vacation Protection Plan. The package of travel insurance coverages and assistance services in Section II was arranged with BerkelyCare on behalf of National Union Fire Insurance Company of Pittsburgh, PA. All details outlined in Section II
pertain only to the coverages and services indicated in the schedule on Page 2.
SCHEDULE OF COVERAGES
Trip Cancellation For the Following Components:
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MAXIMUM BENEFITS
(Per Person) |
| PART A: TRAVEL ARRANGEMENT PROTECTION |
- Non-refundable Airfare Booked by Delta Vacations
- Event Tickets & Optional Tours
- Trip Interruption
- Trip Delay
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- Total Component Cost
- Total Component Cost
- Total Trip Cost
- $300 ($100/day)
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| PART B: MEDICAL PROTECTION |
- Emergency Evacuation/Repatriation of Remains
- Accident Medical Expense
- Sickness Medical Expense
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| PART C: BAGGAGE PROTECTION |
- Baggage/Personal Effects
- Baggage Delay
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| PART D: ACCIDENTAL DEATH & DISMEMBERMENT |
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| PART E: WORLDWIDE EMERGENCY ASSISTANCE (AIG Assist) |
- Emergency Cash Transfer Assistance Medical
- Consultation & Monitoring
- Emergency Legal Assistance
- Emergency Medical & Dental Assistance
- Lost Travel Documents Assistance
- Emergency Medical Payments Assistance
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TRIP CANCELLATIONS/TRIP INTERRUPTION:
In the event You are prevented from taking Your Trip because: (a) You, a Traveling Companion, or an Immediate Family member suffers an Injury, Sickness, or death; or (b) You or Your Traveling Companion (i) is hijacked, quarantined, required to serve on a jury, or subpoenaed; (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 up to the maximum benefit shown on the schedule of coverages for:
(a) Trip Cancellation - The Non-refundable Airfare fees and penalties and/or cost for non-refundable prepaid event tickets and optional tours booked through
Delta Vacations if they are not refundable under Section I of The Vacation Protection Plan.
(b) Trip Interruption - The unused non-refundable Land Arrangements and trip Components and/or the additional airfare paid, less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Trip (limited to the cost of a one-way economy airfare by 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 Trip.
Important: You must be medically capable of travel on the day You purchase the coverage. The covered reason for cancellation or interruption of Your Trip must first occur after Your effective date of Trip Cancellation coverage. In no event will the covered expenses for Trip Cancellation exceed the amount prepaid for Your trip Component(s), nor shall the amount reimbursed for Trip Interruption exceed the amount you prepaid to Delta Vacations for your trip. Please also note that benefits will not be paid for expenses not refunded in the event of an airline's or any other travel supplier's financial insolvency.
TRIP DELAY
The Insurer will pay benefits for Covered Expenses, up to $300 ($100/day), if You are delayed for 8 or more hours en route to or from Your Land Arrangements due to inclement weather, strike or other job action, or equipment failure of an Air Common Carrier.
Covered Expenses include any prepaid, unused, non-refundable Land Arrangements and trip Components, any reasonable additional expenses for meals and lodging, and the cost of a one-way economy airfare ticket to catch up to the Land/Sea Arrangements or return to the place of origin shown on the travel documents.
EMERGENCY EVACUATION AND REPATRIATION OF REMAINS The Insurer will pay benefits for Covered Expenses 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. 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 Trip.
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 customary and reasonable expenses for Transportation, medical services, and medical supplies necessarily incurred in connection with Your Emergency Evacuation. Expenses for medical services and supplies must be 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:
a) recommended by the attending Physician;
b) required by the standard regulations of the conveyance transporting You;
AND
c) verified, approved, and arranged in advance by AIG Assist.
Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Special Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. 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.
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.
The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of Your Trip.
PLEASE NOTE: In no event will all benefits paid for Emergency Evacuation and Repatriation of Remains exceed $15,000.
ACCIDENT SICKNESS MEDICAL EXPENSE The Insurer will pay benefits, up to $5,000, if You incur necessary Covered Medical Expenses as a result of an Injury or Sickness. The accident causing such Injury must occur while You are covered under the policy, 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 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, surgeon, graduate nurse, dentist, or osteopath; 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.
Pre-existing conditions
The insurer will not pay under coverages in parts a " b (except emergency evacuation and repatriation of remains) for any claims arising from any injury, sickness, or other condition affecting you, a traveling companion, or an immediate family member booked to travel with you which, within the 60-day period before your trip
cancellation coverage began under this insurance plan: (a) first manifested itself, became acute, or had symptoms which would prompt a reasonable person to seek diagnosis, care, or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine was taken remained controlled without any change in the required prescription; or
(c) required treatment or treatment was recommended by a physician. NOTE: All reasons for cancellation or interruption of Your Trip must first occur after Your effective date of coverage under this plan. If you have any questions concerning this exclusion, please call BerkelyCare at 1-(800) 722-5674 for further clarification.
BAGGAGE / PERSONAL EFFECTS
The Insurer will reimburse You, up to $1,000, for loss, theft, or damage to baggage and personal effects. 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 $250. There will be a combined maximum 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.
BAGGAGE DELAY
You will be reimbursed for expenses of necessary personal effects, up to $300 ($100/day), if Your checked baggage is delayed or misdirected by a 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 a Common Carrier.
Excess Insurance Provision The Insurance Provided Under Parts A, B, And C Shall Be In Excess Of All Other Valid And Collectible Insurance Or Indemnity And Shall Apply Only When Such Other Benefits Are Exhausted.
If You sustain an Injury (1) while in, on, boarding, or alighting from an Air Common Carrier; and/or (2) being struck or run down by an aircraft 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 BerkelyCare.
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, oe 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.
LOST TRAVEL DOCUMENTS ASSISTANCE: AIG Assist"rsquo;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 coordinate with AIG Assist to assist in obtaining funds through Your credit card, family, friends, employer, or similar source for settlement of medical bills.
TO ACCESS EMERGENCY ASSISTANCE, call 1-(800)-543-3797 or, from outside the U.S. or Canada, call collect: 1-(972)-699-0200. Fax: 1-(713)-974-3422.
Note that the problems of distance, information, and communications make it impossible for National Union Fire Insurance Company of Pittsburgh, PA, BerkelyCare, or AIG Assist 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.
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Air Common Carrier - means an air conveyance operating under a valid license for the transportation of passengers for hire.
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Business Partner - means an individual who is: (a) involved with You in a legal partnership; and (b) actively involved in the day-to-day management of the business.
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Common Carrier - means an air, land, or sea conveyance operating under a valid license for the transportation of passengers for hire.
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Component(s; - means Non-refundable Airfare and/or non-refundable prepaid event tickets and optional tours booked through Delta Vacations.
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Domestic Partner - means a person who is at least 18 years of age and has met the following requirements for at least six (6) months: (1) resides with You; and (2) shares financial assets and obligations with You. The Insurer may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.
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Immediate Family; - means children, children-in-law, step- or adopted children, parents, parents-in-law, step-parents, siblings, siblings-in-law, step-siblings, grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces, nephews, or a Business Partner of You or Your Traveling Companion.
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Injury; - means bodily injury caused by an accident occurring while this plan is in force and resulting directly and independently of all other causes in loss covered by this plan. The Injury must be verified by a Physician.
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Insurer - means National Union Fire Insurance Company of Pittsburgh, PA.
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Land/Sea Arrangements - means land and/or sea arrangements made by Delta Vacations.
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Non-refundable Airfare means prepaid flight arrangements booked through Delta Vacations and not eligible for refund under Section I of The Vacation Protection Plan.
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Physician - means a licensed practitioner of the healing arts acting within the scope of his/her license. The treating Physician may not be You, a Traveling Companion, or an Immediate Family member.
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Sickness; - means an illness or disease which is diagnosed or treated by a Physician after the effective date of coverage and while You are covered under this plan.
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Traveling Companion - means one person who is booked to accompany You on Your Trip.
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Trip - means prepaid Land/Sea Arrangements and shall include flight connections to join and depart such Land/Sea Arrangements.
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You or Your - means a person who has purchased a Delta Vacations. Trip and who has paid the required plan cost for the coverage provided herein.
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.
IN PARTS A & B:
ANY LOSS CAUSED BY OR RESULTING FROM:
Pre-Existing Conditions (except Emergency Evacuation, Repatriation of Remains and Trip Cancellation/Trip Interruption claims resulting from death).
IN PARTS A, B & D:
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; participation in any professional, semi-professional,
or inter-scholastic team sports; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt thereat; scuba diving; skydiving; snowskiing; hang gliding; parachuting (not including parasailing); contests of speed; elective surgery; elective, non-emergency dental treatment or surgery; elective abortion;
normal pregnancy, except if hospitalized; mental or nervous disorders, except if hospitalized.
IN PART C:
ANY LOSS 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; wear and tear, gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; 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 or semi-professional team sports; scuba diving; skydiving; snowskiing; hang gliding; parachuting (not including parasailing); contests of speed.
TERM OF COVERAGE:
- The Vacation Protection Plan is valid only upon payment to Delta Vacations of the total required plan cost in advance of any losses and will not cover any losses suffered prior to purchase.
- The Trip Cancellation coverage provided under Section I takes effect upon receipt of the required plan cost by Delta Vacations and ends upon commencement of Your Land/Sea Arrangements.
- Trip Interruption, Trip Delay & benefits provided under Parts B, C, D & E take effect at the time Your Land/Sea Arrangements commence and terminate on the earlier of the following: (a) Your return to Your origination point (as specified in the travel tickets); or (b) 11:59 P.M. local time at Your location on the day the Land/Sea Arrangements are scheduled to be completed.
- The duration of coverage shall be extended under the following conditions: (a) when You commence air travel from Your origination point (i) within 2 days before the commencement of the Land/Sea Arrangements, coverage shall apply from the time of departure from the origination point; (ii) greater than 2 days before the commencement of the Land/Sea Arrangements, extension coverage
shall be provided only on the day of Your air travel; and (b) if You return to Your origination point (i) within 2 days after the completion of the Land/Sea Arrangements, coverage shall apply until the time of return to the origination point: (ii) greater than 2 days after the completion of the Land/Sea Arrangements, the extension coverage shall be provided only on the day of Your
air travel.
1. TRIP CANCELLATION CLAIMS: Call Delta Vacations immediately at 1-888-800-6068 to notify them of Your cancellation and to claim benefits under Section I.
2. CLAIMS UNDER SECTION II: Call or write to BerkelyCare as soon as possible to report Your claim. Provide the policy number above, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, BerkelyCare will then forward the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.
BerkelyCare
300 Jericho Quadrangle
P.O. Box 9022
Jericho, NY 11753
www.travelclaim.com
1 (800) 722-5674
1 (516) 294-0220
Office Hours:
8AM-9PM (EST), Monday - Friday
9AM-5PM (EST), Saturday
IMPORTANT:
To facilitate prompt claims settlement upon Your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the accident or Sickness occurred; receipts for medical services and supplies; receipts from the hospital; or police reports or claims reports from parties responsible (e.g., airline, hotel, etc.) for loss, theft, damage, or
delay. In the event of a baggage claim, receipts for any lost or damaged items will be required. In the event of a baggage delay or a trip delay claim, receipts for any additional covered expenses will be required, as well as verification of any delay.
3. EMERGENCIES ARISING DURING YOUR TRIP: For covered emergencies requiring evacuation or interruption of Your Trip, call AIG Assist immediately at the numbers below. Identify yourself by the policy number and give the details of Your problem or medical emergency.
Within the U.S. and Canada: 1 (800) 543-3797
Outside the U.S. and Canada, call collect *
1 (972) 699-0200 Fax: 1 (713) 974-3422
* If You have any difficulty making this collect call, contact the local phone operator to connect You to a U.S.-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.
ENROLLMENT PROCEDURES:
For Your convenience, the cost of this protection plan will be automatically included on Your invoice. Enrollment in the Vacation Protection Plan is made by simply paying this amount.
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PLEASE NOTE: Payment for the protection plan will not be accepted after Your deposit or initial Trip payment has been paid.
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IMPORTANT: The Vacation Protection Plan cost is non-refundable.
- Benefits are extended, at no additional charge, to non-seated infants (children 2 years of age or under for whom a separate seat has not been purchased) so long as all accompanying adults purchase their own Vacation Protection Plan.
This program was designed for
Delta Vacations Passengers by:
BerkelyCare
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
FOR ADDITIONAL INFORMATION,
PLEASE CALL DELTA VACATIONS'
VACATION PROTECTION HELP LINE AT:
1-800-722-5674 OR 1-516-294-0220
Office Hours: 9AM - 5PM EST, Monday - Friday.
This plan is underwritten by:
National Union Fire Insurance Company of Pittsburgh, PA
Executive Offices: New York, New York
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Notice to State of Washington Residents:
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This is NOT your insurance policy.
To obtain your state-specific insurance policy,
call 1-800-453-4090.
Certain provisions and limitations detailed in this Description of Coverage may differ from your insurance policy.
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Revised 9/05
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