Description
of Services & Benefits
Please read this page carefully
Pre-Existing
Condition(s): Regarding the Trip Cancellation/Interruption,
Emergency Accident/Sickness and Emergency Medical Transportation
Benefits, this policy excludes coverage for those medical
conditions that manifested themselves, became acute, or were
being treated in the 60 days before purchase of these benefits.
However, a Member may have a condition that requires them
to prescribed is unstable or there has been a change in the
required prescription or dosage, that condition will not be
considered pre-existing. (Example: I have diabetes and I take
medication on a daily basis. Will I be covered? Yes, so long
as you have not had a change in the required medication or
dosage and your diabetes is under control during the 60 days
before the coverage goes into effect.) Note: If coverage is
purchased by final payment to the travel supplier, the Preexisting
Conditions is waived.
Description
of Coverage
A) Trip Cancellation and Interruption Benefit:
Coverage
pays for non-refundable, unused payments and deposits if Insured's
trip is canceled or interrupted for reasons such as:
- Unforeseeable
Sickness, Injury or death of the Insured, a Family Member
or a Traveling Companion. Injury or Sickness must be so
disabling as to reasonably cause a trip to be delayed, canceled
or interrupted.
- Unforeseeable
Circumstances, which are those events or their consequences
which could not have been reasonably foreseen or expected
by the Member, and are outside the Member's control. This
includes coverage for miscarriage.
- Default
or Financial Default by the tour operator or person or agency
other than the tour operator or person or agency from which
the Member purchased these benefits. Default or Financial
Default occurring on or before the Effective Date will not
be covered.
- We
will cover dependent children of the Member who are under
the age of sixteen (16), sharing the same room or cabin
with the Member Parent, for the trip cancellation and interruption
benefit, at no additional cost.
This
membership benefit does not cover: a) Carrier caused delays
such as mechanical difficulties (This is covered under Travel
Delay), unless they are the result of organized labor strikes
that affect public transportation; b) travel arrangements
canceled by an airline, cruise line or tour operator unless
the cancellation is the result of bad weather, an organized
labor strike which affects public transportation; c) change
in plans by the Member, a Family Member or a Traveling Companion;
d) financial circumstances of the Member, Family Member or
Traveling Companion; e) any business or contractual obligation
of a Member, a Family Member or a Traveling Companion; f)
default by the person, agency. airline, cruise line, tour
operator, hotel or other travel supplier from whom you purchased
your travel arrangement or from whom you purchased this coverage,
g) any governmental regulation or prohibition; h) an event
or circumstances which occurs prior to the Departure Date,
subject to the Preexisting Condition Limitation.
B)
Travel Delay:
Reimburses
up to $100 per 24-hour period, up to the total amount shown
on the Schedule of Benefits for reasonable, additional accommodations
and traveling expenses incurred by a Member because of a travel
delay of at least 24-hours. The Member must make every reasonable
effort to avoid additional expenses. This benefit is payable
for only one delay per trip. Travel delay must be due to;
a) carrier delay such as mechanical problems or weather; b)
lost passport, money or travel documents; c) quarantine; d)
Natural disaster; or e) Injury or Sickness of a Member or
Their Traveling Companion.
C)
Loss of Baggage/ Travel Documents
Reimburses
up to the amount shown on the Schedule of Benefits, for damage
to or loss or theft of the Member's baggage, passports, visas
or other travel documents during the Member's trip. We will
also pay for unauthorized use of the Member's credit cards,
if the Member has complied with all credit card conditions
imposed by the credit card companies.
PROPERTY
NOT COVERED:
We
will not pay for loss or damage to; a) animals; b) property
used in trade, business or for the purpose of the production
of income; c) motor vehicles, aircraft, or other conveyances
or equipment or parts pertaining to such conveyances; d) artificial
limbs, false teeth, any type of eyeglasses or contact lenses;
f) tickets, except for administrative fees required to reissue
tickets; g) money, stamps, stocks and bonds, postal or money
orders; h) property shipped as freight, or shipped prior to
the Departure Date of your trip; I) credit cards; j) contraband;
or k) hearing aids.
SPECIAL
LIMITATIONS:
After
reporting your claim to the Common Carrier, our coverage is
secondary to any benefits payable by the Common Carrier. We
will not pay more than $500 for the first item and, thereafter,
not more than $250 per item up to the Maximum on the Schedule
of Benefits.
ADDITIONAL
EXCLUSIONS:
We
will not pay this benefit for loss due to; a) defective materials
or craftsmanship; b) normal wear and tear; c) deterioration;
d) rodents, animals, or insects.
PAYMENT
FOR LOSS:
We
will pay the cost of repair or replacement of the Member's
damaged Baggage, less depreciation, or at our option we may
repair or replace the Member's Baggage. We may take all or
part of the damaged Baggage at the appraised or agreed value.
In the event of a loss to a pair or set of items, we may at
our option; a) repair or replace any part to restore the pair
or set to its value before the loss; or b) pay the difference
between the value of the property before and after the loss.
If the covered baggage, passports and visas are in the charge
of a charter or common carrier, and delivery is delayed, this
coverage will continue until such property is delivered to
the Member. This coverage does not include loss caused by
the delay.
D)
Baggage Delay:
Reimburses
for the necessary emergency purchase of replacement items,
up to the total amount shown on the Schedule of Benefits,
when checked baggage is misplace by a Common Carrier for at
least 24 hours from the time of your arrival during a trip.
We must receive proof of your expenditure and proof that you
filed a claim with the Common Carrier. This does not apply
to carry-on luggage nor does it apply if your baggage is delayed
after you reach your usual place of residence. We will cover
only one baggage delay per trip.
E)
Emergency Accident / Sickness:
If
the Member's injuries, sickness, or "serious illness" result
in expenses shown below, we will pay for the "Necessary" medical
treatment up to the "Usual" and "Customary" charge for such
expense incurred within 365 days from the date of the Accident
up to the limit shown on the Schedule of Benefits. The first
expense must be incurred within forty-eight hours of the date
of the incident if for a covered accident, providing the initial
injury was incurred during the trip. The injury or sickness
or "Serious Illness" must occur and require treatment while
the Member is on a covered trip. Such expense must be for:
a) treatment by a "Physician"; or
b) medical services in a "Hospital"; or
c) the use of a ground ambulance within forty-eight hours
of the covered accident; or
d) treatment of natural teeth.
Such
expenses must be in excess of any other valid and collectible
insurance, but not more than the maximum amount shown in the
Schedule of Benefits.
We
will not pay for:
A) hernia, however caused;
or B) services or treatment given by any person employed or
retained by you; or C) experimental procedures;
or D) cosmetic surgery or procedures;
or E) medical expenses for which the Member is entitled to
benefits under any worker's compensation act;
or F) any surgical or medical treatment which can reasonably
be delayed until your return to your usual place of domicile;
or G) any treatment or medical treatment which at the time
of departure is known to be required, and to be continued
during the trip;
or H) the cost of dentures, dental appliances, false limbs,
hearing aids, contact or corneal lenses or spectacles (prescription
or otherwise);
or I) any repatriation costs not authorized by WAS;
or J) the additional cost of a single or private room at a
hospital, clinic, or nursing home except when the physician
treating the Member Person considers it necessary.
F)
Emergency Medical Transportation:
We
will arrange and pay this benefit up to the Maximum Limit
shown on the Schedule of Benefits.
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