Trip Cancellation/Trip Interruption

In the event You are prevented from taking Your Trip because:

• You, a Traveling Companion, or an Immediate Family member suffers an Injury, Sickness or Death; or
• You or Your Traveling Companion
  • is hijacked, quarantined, required to serve on a jury, or subpoenaed
  • has a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; or
  • is directly involved in a documented traffic accident while en route to departure;
• a Travel Supplier is unable to deliver contracted Trip arrangements which have been prepaid and pre-booked solely due to the Financial Insolvency of a Travel Supplier, the Insurer will pay benefits up to Your total Trip cost.

In no event shall the amount reimbursed exceed the amount You prepaid for Your Trip.

Special Conditions: You must advise AAA Auto Club South and the Plan Administrator at 1-(800) 817-0913, as soon as possible in the event of a 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.

EXCLUSIONS

Trip Interruption -
unused, nonrefundable land or sea expenses prepaid to the Travel Supplier for your Trip

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/Sea 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 Trip.

IMPORTANT:  You must be medically capable of travel on the day You purchase this coverage. The covered reason for cancellation or interruption of Your Trip must first occur after Your effective date of Trip Cancellation coverage. In all circumstances, coverage does not apply for Financial Insolvency if Financial Insolvency occurred before Your effective date of coverage or a Financial Insolvency occurs within 7 days following Your effective date of coverage.

EXCLUSIONS

The Insurer will pay benefits for Covered Expenses, up to $500, if Your Trip is delayed for 12 hours or more en route to or from Your Land/Sea Arrangements due to:

• inclement weather, strike or other job action, or equipment failure of a Common Carrier;
• a traffic accident en route to a departure in which You or Your Traveling Companion is not directly involved;
• lost or stolen passports, travel documents or money;
• quarantine; hijacking; natural disaster; civil commotion or riot.

The Insurer will pay benefits for Covered Expenses, up to $1,000, should You miss Your Cruise departure  as a result  of cancellation or delay (of three (3) or more hours) of regularly scheduled airline flights due to inclement weather.

Covered Expenses include any prepaid, unused, non refundable Land/Sea Arrangements, any reasonable additional expenses for meals and lodging, and the cost of 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. This coverage is excess of any coverage provided by a Common Carrier or another party at no cost to You.

EXCLUSIONS

Emergency Evacuation and Repatriation of Remains:

The Insurer will pay benefits for Covered Expenses, up to $20,000, 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. Emergency Evacuations must be verified, approved, and arranged in advance by AIG Assist. 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. 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.

Emergency Evacuation means:

• 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
• 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:

• recommended by the attending Physician;
• required by the standard regulations of the conveyance transporting You; AND
• 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.

Additional Covered Expenses: If You are hospitalized for more than 7 (seven) days following a covered Emergency Evacuation, the Insurer will pay:

• 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
• 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. 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. In no event will the benefits paid for all covered Emergency Evacuation expenses exceed the coverage limit.

EXCLUSIONS

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. In no event will Covered Expenses for Emergency Evacuation and Repatriation of Remains exceed $20,000.

EXCLUSIONS

The Insurer will reimburse you, up to $10,000 if You incur necessary Covered Medical Expenses as a result of an Injury or, up to $10,000, if You incur necessary Covered Medical Expenses for 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 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.

EXCLUSIONS

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 have caused one to seek a diagnosis, care, or treatment; (B) required taking prescribed drugs or medicine unless the condition for which the prescribed drug or medicine remained controlled without any change in the required prescription; or (C) required treatment or treatment was recommended by a Physician.

Important: We will WAIVE this Preexisting Condition Exclusion if You make payment for this coverage within seven (7) days of the date Your deposit or initial payment is received by AAA Auto Club South. NOTE: Satisfaction of the pre-requisite will be verified during claim processing.

If you have any questions concerning this exclusion, please call the Plan Administrator at 1-800-817-0913 for further clarification.

Part C. Baggage Protection

Baggage/Personal Effects

The Insurer will reimburse You up to $1,000 for loss, theft, or damage to Your baggage and/or personal effects occurring during Your Trip. The Insurer will pay the lesser of the following: original cash value of the 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 limit of $250 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.

Important Coverage for this benefit is secondary to any coverage provided by a Common Carrier and/or insurance specifically insuring the lost, stolen or damaged item(s).

EXCLUSIONS

Baggage Delay

The Insurer will reimbursed You for expenses of necessary personal effects, up to $250, 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 arrive at the destination stated on Your ticket. You must be a ticketed passenger on a Common Carrier.

EXCLUSIONS

EXCESS INSURANCE PROVISION

The insurance provided under parts A AND B shall be in excess of all valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.

Part D. Travel Accident Protection

If you sustain an injury

• while in, on boarding or alighting from a Common Carrier; and/or
• being struck or run down by a Common Carrier which result 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 of loss of any one of these;
  • and one-quarter the benefit amount of 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 incident.

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.

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.

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.

EMERGENCY ASSISTANCE CONTACT NUMBERS ARE PROVIDED UPON ENROLLMENT IN THE PLAN WITH YOUR Trip DOCUMENTS.

*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.

Note that the problems of distance, information, and communications make it impossible for National Union Fire Insurance Company of Pittsburgh, PA, BerkelyCare, Ltd., 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.

Definitions

• 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.
• Common Carrier" - means an air, land or sea conveyance operating under a valid license for the transportation of passengers for hire.
• Cruise: - means a prepaid sea arrangements made by Your Travel Counselor.
• Financial Insolvency" - means a Travel Supplier has ceased operation either filing a petition for bankruptcy or as a result of a denial of credit or inability to meet financial obligations.
• 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.
• 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.
• Insurer" - means National Union Fire Insurance Company of Pittsburgh, PA.
• Land/Sea Arrangements" - means land and/or sea arrangements made by and paid to Your Travel Counselor.
• Physician" - means a licensed practitioner of the healing arts acting within the scope of his/her license. The treating Physician may not be yourself, a Traveling Companion, or an Immediate Family member.
• 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.
• Travel Counselor"- means the representative of AAA Auto Club South and/or AAA Auto Club South.
• Travel Supplier" - means the tour operator, cruise line, and/or airline providing prepaid travel arrangements for Your Trip.
• Traveling Companion" - means one person booked to accompany You on Your Trip.
• Trip" - means Land/Sea Arrangements prepaid to Your Travel Counselor and shall include flight connections to join and depart such Land/Sea Arrangements.
• You" or "Your" - means a person who has purchased a Trip and who has paid the required plan cost for the coverage provided hereunder.

The following exclusion applies to coverages provided in Parts A & B (except Emergency Evacuation and Repatriation of Remains) unless its been waived in accordance with parameters set forth in the Preexisting Condition section.

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; 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; elective abortion; normal pregnancy, except if hospitalized; mental or nervous disorders, except if 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, 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.

• This protection is valid only upon payment of the total required plan cost and will not cover any losses suffered prior to purchase.
• In order to quickly effect coverage and protect Your Trip deposit(s), make payment for the applicable plan cost to Your Travel Counselor upon booking Your Trip. If You have already paid Your deposit, remit payment for the applicable plan cost to Your Travel Counselor prior to or upon final payment of Your Trip cost. The Trip Cancellation Protection will become effective at 12:01 A.M. local time on the date this payment is received by Your Travel Counselor, and will terminate upon commencement of Your Land/Sea Arrangements.
• The remaining coverages and services provided take effect at 12:01 A.M. local time at Your location on the contracted departure date of Your Land/Sea Arrangements 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 Trip is 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 until the time of return to the origination point: (ii) greater than 2 days before the commencement of the Land/Sea Arrangements, the extension coverage shall be provided only on the day of Your air travel; and (b) if You return to the 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.
• Eligibility: This plan is available to U.S. and Canadian residents booking their travel with AAA Auto Club South only.
• PLEASE NOTE: This program does not provide coverage for trips in excess of 120 days.

EMERGENCIES ARISING DURING YOUR TRIP: For covered emergencies requiring evacuation or interruption of Your Trip, call AIG Assist immediately. Identify yourself by the following policy number 3044-9500359 and give the details of Your problem or medical emergency.

TRIP CANCELLATION CLAIMS: Call Your AAA Auto Club South Travel Counselor and the Plan Administrator IMMEDIATELY to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. You will then be forwarded the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.

ALL OTHER CLAIMS

Policy Number 3044-9500359

Report Your claim in writing as soon as possible to the Plan Administrator. Provide the above policy number, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, the Plan Adminstrator will promptly forward 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 (i.e., 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.

• In order to quickly effect coverage an protect Your Trip deposit (s), make payment for the applicable plan cost to Your AAA Auto Club South Travel Counselor upon booking Your Trip (in addition to Your deposit payment). In order to waive the Preexisting Condition Exclusion, payment for the plan must be received within 7 days of your deposit or initial Trip payment.

• If you have already paid Your deposit , remit payment for the applicable plan cost to Your Travel Counselor prior to or upon final payment of Your Trip cost. The Trip Cancellation Protection will become effective on the date this payment is received by Your Travel Counselor.
• Please Note: Payment for the plan may not be accepted after the Trip  cost has been paid in full.
• The plan cost is nonrefundable.

This program was designed for AAA Auto Club South clients by.

BerkelyCare, Ltd. Travel Industry Insurance

This plan is underwritten by National Fire Insurance Company of Pittsburgh, PA; Executive Offices: New York, New York

A Member Company of American International Group

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.