Land Based/ Cruise Vacation Protection

BASE PLAN COVERAGES
Trip Cost Trip Cancellation/Trip Cost Trip Interruption: Benefit shown on the
Schedule of Benefits if a Trip is canceled or interrupted due to any of the following
Unforeseen circumstances:
• Sickness, injury, or death of you, your Family Member, Traveling Companion, or
Business Partner. Cancellation due to an injury or Sickness of a Family Member
must be because their condition is life-threatening, or because the Family Member
requires your or a Traveling Companion’s care;
• Inclement Weather that causes a delay or complete cessation of services for 24
consecutive hours;
• Strike resulting in the complete cessation of travel services at the point of departure
or Destination;
• Your Primary Residence or Destination being made uninhabitable by vandalism,
burglary, or Natural Disaster;
• You or your Traveling Companion being subpoenaed, required to serve on a jury,
hijacked, or quarantined;
• You or your Traveling Companion being called into active military service or having
leave revoked or being reassigned;
$1,000 Trip Interruption – Return Air Only: Reimburses the additional airline
transportation expenses up to the maximum benefit shown on the Schedule of
Benefits incurred by you to reach the Return Destination for Trip Interruptions due
to one of the Unforeseen events listed above. However, the benefit payable above
will not exceed the cost of economy airfare (or the same class of your original
tickets) by the most direct route, less any refunds paid or payable.
$500 Trip Delay: Reimburses up to $100 a day to the Maximum Benefit shown on
the Schedule of Benefits for Reasonable, Additional Expenses for meals,
accommodations, taxi fares, and essential telephone calls, if your Trip is delayed for
more than 12 hours due to covered reasons.
$500 Missed Connection: Reimburses this benefit up to the Maximum Benefit
shown on the Schedule of Benefits if Inclement Weather or Common Carrier causes
cancellation or a delay of regularly scheduled airline flights for three or more hours
to your point of departure.
$500 Baggage & Personal Effects Loss: Can reimburse you if your Baggage is
lost, stolen, or damaged while on your Trip, subject to the Maximum Benefit. This
coverage is in excess of any other coverage or indemnity. Coverage subject to a
$50 deductible.
$100 Baggage Delay: If your Baggage is delayed more than 12 hours while on a
Trip, you can be reimbursed for the purchase of Necessary Personal Effects, subject
to the Maximum Benefit.
$10,000 Medical Expense: Pays this benefit, up to the Maximum Benefit shown
on the Schedule of Benefits. Pays for necessary medical expenses incurred by you
within one year from the date of injury or Sickness provided initial treatment was
received during the Trip. This coverage is in excess of any other coverage or
indemnity. Coverage subject to a $50 deductible.
$100,000 Emergency Evacuation & Repatriation of Remains: Covers evacuation
and transportation as directed by a physician to the nearest adequate medical facility
(home in the event of death or if medically required). Pays for special medical escort
if recommended in writing by the attending physician.
OPTIONAL ADDITIONAL UPGRADES
Cancel for Any Reason: You have the option to purchase a maximum limit of either
50% or 75% of Trip cost which provides reimbursement if you decide to cancel for
any reason up to 48 hours prior to departure. (Must be purchased before final trip
payment.)
Medical Expense Upgrade:Waives the $50 deductible and increases the medical
expenses limit of the base plan from $10,000 to either $25,000, $50,000 or
$100,000. Also, includes the separate option to upgrade your medical expense
benefit to Primary coverage.
THIS IS A BRIEF OUTLINE OF COVERAGE — RESTRICTIONS APPLY
For complete coverage information, please refer to the Description of Coverage prior to purchase.
“Hospital of Choice” Evacuation Upgrade: For Medical Emergencies, we’ll
transport you to the adequate licensed medical facility of your choice. Base plan
provides evacuation to the nearest adequate licensed medical facility. Maximum
limit is increased to $1 million.
Baggage Upgrade: Increases the Baggage and Personal Effects limit to $1,000,
$1,500 or $2,500 and waives the $50 deducible. Increases the Baggage Delay
limit to $200, $300 or $400. Also, includes the separate option to upgrade your
Baggage and Personal Effects benefit to Primary coverage.
Car Rental Collision Coverage: You have the option to purchase a maximum limit
of either $35,000 or $50,000 in primary coverage. Subject to a $250 deductible.
Covers collision damage to a rental car for which the car rental contract would
hold you responsible.
Amount Purchased (up to $500,000) Flight Guard®: Coverage for accidental
death or dismemberment that occur when traveling on a regularly scheduled flight
or charter, subject to the Maximum shown in the Schedule.
Adventure Sports Coverage: Provides trip interruption, medical evacuation and
medical expense coverage for losses caused by many adventure sports activities
typically excluded in many travel insurance plans.
Accident, Interruption and Delay Upgrade: Increases the Trip Interruption
benefit to 150% of Trip Cost. Increases Trip Delay to $1,000 ($200 per day) and
adds $50,000 Accidental Death & Dismemberment coverage.
Additional Covered Reasons Upgrade: Includes Trip Cancellation/Interruption
coverage for Financial Default, Terrorist Incident and waiver for pre-existing medical
conditions up to the first $50,000. Also covers Trip Cancellation/Interruption due
to involuntary job loss or layoff. For complete details of coverage refer to the
Description of Coverage. Must be purchased before final trip payment.
PRE-EXISTING MEDICAL CONDITIONS EXCLUSION:
The Insurer will not pay for any loss or expense incurred as the result of an Injury,
Sickness or other condition of an Insured, Traveling Companion, Business Partner,
or Family Member which, within the 180 day period immediately preceding and
including the Insured’s coverage effective date: (a) first manifested itself,
worsened or became acute or had symptoms which would have prompted a
reasonable person to seek diagnosis, care or treatment; (b) for which care or
treatment was given or recommended by a Physician; (c) required taking
prescription drugs or medicines, unless the condition for which the drugs or
medicines are taken remains controlled without any change in the required
prescription drugs or medicines.
Pre-Existing Medical Condition Exclusion Waiver:
(Only applies if Additional Covered Reasons Upgrade is purchased)
The Insurer will waive the pre-existing medical condition exclusion up to a
maximum of the first $50,000 of Trip Cost per person if the following conditions
are met:
1. This plan is purchased before final trip payment;
2. The amount of coverage purchased equals all prepaid nonrefundable payments
or deposits applicable to the Trip at the time of purchase;
3. All Insured’s are medically able to travel when plan cost is paid.
This is a brief description of the insurance benefits provided under policy series
T30337NUFIC-TG. Insurance is underwritten by National Union Fire Insurance
Company of Pittsburgh, Pa., a Pennsylvania Insurance Company, NAIC #19445
with its principal place of business at 175 Water,18th Floor, New York, NY, 10038,
and currently authorized to transact business in all states and the District of
Columbia. The Policy will contain reductions, limitations, exclusions, and
termination provisions. All coverages may not be available in all states. Assistance
services provided by Travel Guard Assist.




Carnival Cruise Vacation Protection Summary

Trip Cancellation/Trip Interruption
In the event You are prevented from taking Your Cruise Vacation because: (a) You, Your Traveling
Companion, or an Immediate Family member suffers a death or an Injury or Sickness which results in
medically imposed restrictions, as certified by a Physician, at the time of loss preventing Your continued
participation in the covered Cruise Vacation; (b) You, Your Traveling Companion, or an Immediate Family
member booked to travel with You: (i) is hijacked, required to serve on a jury, or subpoenaed; (ii) has a home
made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; (iii) is directly
involved in a documented traffic accident while en route to departure; (iv) is called into active military service
to provide aid or relief in the event of a national disaster other than war; or (v) is involuntarily terminated or
laid off by an employer, provided employment was with the same employer for at least one continuous year,
and notification and subsequent termination occurred following Your effective date of coverage; (c) NOAA
issues a Severe Weather Warning or Watch en route to, or at , Your port of embarkation within 48 hours of
Your scheduled departure; or (d) Your Common Carrier is delayed due to inclement weather which prevents
you from reaching your destination and the delay causes you to miss more than 50% of Your Cruise
Vacation; Carnival Cruise Lines will refund to you, up to Your total Cruise Vacation cost for:
(a) Trip Cancellation - non-refundable cancellation charges imposed by Carnival Cruise Lines and/or airfare
cancellation charges for flights joining or departing Your Sea/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
Traveling Companion cancels his/her Cruise Vacation for a covered reason and You do not cancel.
(b) Trip Interruption - unused, non-refundable land or sea expenses prepaid to Carnival Cruise Lines and/or
the airfare paid, less the value of applied credit from an unused return travel ticket, to return home or rejoin
the original Sea/Land Arrangements (limited to the cost of one-way economy airfare by scheduled carrier,
from the point of destination to the point of origin shown on the original travel tickets).Carnival will also
reimburse you up to $100 per day, for reasonable additional accommodations and transportation expenses
incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is
hospitalized during Your Cruise Vacation. Important: The Sickness or Injury causing You to interrupt Your
Cruise Vacation must be verified by a Physician before You terminate the Cruise Vacation.
In no event shall the refund amount exceed the amount You prepaid for Your Cruise Vacation.
Vacation Protection
Vacation
Protection
Description
What if...
You unexpectedly lose
your job?
You or your traveling
companion falls
ill before your trip?
Your luggage gets lost
or delayed?
Bad weather causes
delays
or a cancellation of
your trip?
You need emergency
medical
assistance during your
trip?
Your health insurance
plan
doesn’t cover you
outside the
United States?
Your employer requires
you to work during
your
scheduled vacation?
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