Description of
Coverage
Policy Number
506-9500510
Unitours' Special Insurance Coverage Cost
Trip Cost up to $3,000 = $159 per person
$3,001-$4,000 = $169 per person
$4,001-$5,000 = $199 per person
$5,001-$7,500 = $289 per person
$7,501-$10,000 = $379 per person
For your convenience, insurance premium will be added to your final
invoice. If you prefer NOT to enroll in the insurance
coverage, simply deduct this amount from your final payment. Insurance
CANNOT be purchased after your final payment is made.
Schedule of Coverages & Services
Maximum Benefits
Per Insured:
Total Tour Cost
Total Tour Cost
$300
The benefits provided in this program are subject to certain
restrictions and exclusions, including the Pre-Existing Condition limitation. Please read this
document in its entirety for a complete
description of all coverage terms and conditions.
PART A - TRAVEL
ARRANGEMENT PROTECTION
Trip Cancellation/Trip Interruption
In the event You are prevented from taking Your Tour 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 Your total Tour cost
for:
(a) Trip Cancellation - non-refundable cancellation charges imposed by Unitours, Inc. (hereinafter referred to as "Unitours"), and/or airfare cancellation charges for flights joining or departing Your Land/Sea 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 person booked to share accommodations with You cancels his/her Tour for a covered reason and You do not cancel.
(b) Trip Interruption - unused, non-refundable land or sea expenses prepaid to Unitours and/or the airfare paid, less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Land/Sea 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).
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 Tour.
In no event shall the amount reimbursed exceed the amount You prepaid for Your Tour.
| Special Conditions: You must advise Unitours and BerkelyCare 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. |
PLEASE NOTE: Benefits will not be paid for expenses not refunded in the event of the airline’s or Unitours’ insolvency.
Trip Delay
The Insurer will pay benefits for Covered Expenses, up to
$300, if Your Tour is delayed en route to or from Your Land/Sea
Arrangements due to inclement weather, strike or other job action, or equipment
failure of an Air 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.
Covered Expenses include any prepaid, unused, non-refundable Land/Sea Arrangements, 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.
PART B - MEDICAL PROTECTION
Emergency Evacuation
The Insurer will pay benefits for Covered Expenses if an Injury or Sickness commencing during the course of the Tour 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.
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 Tour.
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.
In no event will the benefits paid for Emergency Evacuation
expenses exceed the coverage limit of $30,000.
Repatriation of Remains
The Insurer will pay the reasonable Covered Expenses incurred to return Your body to Your point of origin if You die during the Tour. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation.
In no event will all benefits paid under Repatriation of
Remains exceed $3,000.
Accident & Sickness Medical Expense
The Insurer will pay benefits, up to $3,000, if You incur necessary Covered Medical Expenses as a result of an Injury, or up to $3,000 if You incur necessary Covered Medical Expenses as a result of Sickness. The accident causing such Injury must occur during Your Tour, and the Sickness must first manifest itself during Your Tour. 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.
Important:
Medical Expense benefits
are subject to the Pre-Existing Condition limitation detailed below and
other exclusions listed on Page 9.
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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, worsened, 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. |
PLEASE NOTE: ALL COVERED REASONS FOR CANCELLATION OR INTERRUPTION OF YOUR TOUR MUST FIRST OCCUR AFTER YOUR EFFECTIVE DATE OF COVERAGE.
If You have any questions concerning this exclusion, please call BerkelyCare at 1-(800) 343-3553 for further clarification.
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 limit 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, if Your checked baggage is delayed or misdirected by an Air 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 an Air Common Carrier.
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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. |
PART D. TRAVEL ACCIDENT PROTECTION
Accidental Death & Dismemberment
If You sustain an Injury on the Tour 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.
The Air Common Carrier benefit applies only to Injury sustained by You (1) while in, on, boarding, or alighting from an Air Common Carrier; or (2) being struck or run down by an Air Common Carrier.
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.
Emergency Cash Transfer Assistance:
If You need emergency cash during Your Tour, 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 Tour, AIG Assist can assist in contacting Your personal Physician or family, if necessary, to provide information on the care You are receiving.
During the course of Your Tour, 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’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 contact AIG Assist to arrange, if required, immediate settlement of Covered Medical Expenses if other sources are not available.
Note that the problems of distance, information, and communications make it impossible for National Union Fire Insurance Company, 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.
1. "Air Common Carrier" - means an air conveyance operating under a valid license for the transportation of passengers for hire.
2. "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.
3. "Immediate Family" - means children, step- or adopted children, children-in-law, parents, step-parents, parents-in-law, siblings, step-siblings, siblings-in-law, grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces, nephews, or a Business Partner of You or Your Traveling Companion.
4. "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.
5. "Insurer" - means National Union Fire Insurance Company of Pittsburgh, PA.
6. "Land/Sea Arrangements" - means land and/or sea arrangements made by Unitours, Inc.
7. "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.
8. "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.
9. "Tour" - means prepaid Land/Sea
Arrangements and shall include flight connections to join and depart such
Land/Sea Arrangements.
10. "Traveling Companion" - means one person who is booked to accompany You on Your Tour.
11. "You" or "Your" - means a person who has purchased a Tour and who has paid the required plan cost for the coverage provided hereunder.
EXCLUSIONS
THIS INSURANCE DOES NOT COVER:
IN PARTS A & B (except Emergency Evacuation, Repatriation of Remains, and Trip Cancellation/Trip Interruption claims resulting from death):
ANY LOSS CAUSED BY OR RESULTING FROM: Pre-Existing Conditions.
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 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 an Air 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, or 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.
1) This protection is valid only upon payment of the total required plan cost in advance of any losses and will not cover any losses suffered prior to purchase.
2) The Trip Cancellation coverage provided under PART A takes effect upon receipt of the required plan cost by Unitours. 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.
3) All coverages and services shall terminate on the earlier of the following events: (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 completed.
4) 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, the 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 exclusion coverage shall be provided only on the day of Your air travel.
ENROLLMENT PROCEDURE
For Your convenience, Unitours will bill You for the cost of this optional Passenger Protection Program. Enrollment is made by simply paying this amount.
PLEASE NOTE:
POLICY NO. 506-9500510
1) Emergencies Arising During Your TOUR: For covered emergencies requiring evacuation or interruption of Your Tour, call AIG Assist immediately at the numbers below. Identify yourself by the above policy number and give the details of Your problem or medical emergency.
2) Trip Cancellation Claims: Call Unitours and BerkelyCare IMMEDIATELY to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.
BerkelyCare: 1-(800) 343-3553
3) CLAIMS NOTIFICATION UPON YOUR RETURN: Report Your claim in writing as soon as possible to BerkelyCare. Provide the policy number above, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, BerkelyCare will promptly forward You the appropriate claim form to complete.
IMPORTANT: In order 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.
WHERE TO REPORT CLAIMS
- WORLDWIDE EMERGENCY ASSISTANCE (AIG Assist)
For traveler’s assistance or emergencies during Your Tour, call within the U.S. and Canada:
1-(800) 543-3797
or, outside the U.S. and Canada, call collect*:
1-(972) 699-0200
FAX: 1-(713) 974-3422
* If You have 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.
Write to: Telephone:
BerkelyCare 1-(800) 343-3553
P.O. Box 9366 1-(516) 294-0220
100 Garden City Plaza Office Hours: 9AM - 5PM (EST)
Garden City, NY 11530
This program was designed specifically for the
ease and convenience of Unitours
passengers by The Berkely Group.
FOR ADDITIONAL INFORMATION,
ask for the Unitours Help Line
1-(800) 343-3553
or
1-(516) 294-0220
Office Hours: 9AM - 5PM (EST)
This plan is underwritten by:
National Union Fire Insurance Company of Pittsburgh, PA
Executive Offices: New York, New York 10270
A Member Company of
American International Group, Inc.10/01