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Vacation Travel Protection - Cheap Cruises from CruiseCheap.com

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Vacation Travel Protection - Cheap Cruises from CruiseCheap.com Powered By Docstoc
					World Access Service Corp. is the licensed producer for this plan.



Vacation Travel Protection
for WMPH Vacations
Travel insurance and assistance built on over 20 years of experience.

Cruising is a great way to see the world. But without travel insurance, you may see an empty wallet if you
have to cancel your trip or become ill while you’re on the ship. Vacation Travel Protection from Access America
offers benefits like trip cancellation, emergency medical and dental coverage, baggage loss and more. Plus,
with optional BizPack coverage, you’re even covered if you have to cancel for business reasons.

                                                                      Benefits†                                      Coverage Limit
VACATION TRAVEL PROTECTION ADVANTAGE:                                 Trip Cancellation                       Up To Amount Purchased           1


•   An Access America ID card for quick access to                     Trip Interruption                       Up To Amount Purchased           1

                                                                      Emergency Medical/Dental Coverage                           $100,000
    emergency assistance.
                                                                      Emergency Medical Transportation                            $500,000
•   Optional BizPack coverage if you’re required to work.
                                                                      Baggage Loss/Damage                                            $1,000
•   Coverage if the destination is uninhabitable, or if               Baggage Delay                                                    $200
    you have legally separated or divorced.                           Travel Delay                                                   $1,200
•   Generous baggage coverage.                                        Travel Accident                                              $10,000
                                                                      Missed Connection                                                $500
                                                                      24-Hour Hotline Assistance                                   Included
                                                                      Concierge                                                    Included
                                                                      BizPack Expanded Coverage                                    Optional
                                                                      †
                                                                        Benefits are per person. All insureds must purchase the same plan in
 Pricing                                                              order to be on the same policy.
                                                                      1 Maximum coverage available is $20,000.
 without Bizpack                        7.0% of trip cost
 with Bizpack                           7.5% of trip cost            Special Features of
                                                                     Vacation Travel Protection
                                                                     BizPack. If you have to cancel or interrupt your trip due
                                                                     to business reasons, you are covered for your loss when
                                                                     you purchase this optional coverage. Some covered
                                                                     reasons are: required to work, business/company merger,
                                                                     and business unsuitable due to fire, natural disaster or
                                                                     burglary. Coverage must be purchased prior to making
                                                                     your final trip payment to make this feature effective.
                                                                     Supplier Default Coverage. Supplier Default coverage
                                                                     covers situations where a carrier, cruise line, tour
                                                                     operator or other travel entity goes into financial
                                                                     default. Supplier Default coverage is provided when:
                                                                     1.) You purchase your insurance within 14 days of
                                                                     initial trip payment or deposit; 2.) The financial default
                                                                     occurs more than seven days after the plan’s effective
                                                                     date; and 3.) You use a travel supplier (other than the
                                                                     organization from which you purchased this insurance
                                                                     or their affiliate companies) that Access America
                                                                     currently lists as a covered supplier. This list can be
                                                                     found at www.accessamerica.com.



Questions/Contact: Phone: 1-800-497-0363
This is a brief description of the insurance and assistance benefits        Special Features (continued)
provided by this plan. Exclusions, conditions and limitations may apply.
A complete description of coverage can be found in the Certificate of       Existing Medical Conditions Exclusion & Coverage
Insurance/Policy.                                                           Your plan may provide Existing Medical Conditions Coverage
                                                                            if you, a traveling companion or family member has an
                                                                            Existing Medical Condition. An Existing Medical Condition
    Trip Cost Protection                                                    is an illness or injury that exhibited symptoms or was treated
Trip Cancellation Coverage. 2 Reimburses your prepaid, non-                 for any time 120 days prior to purchasing your plan. Coverage
refundable expenses if you must cancel your trip due to a covered reason.   for an Existing Medical Condition is excluded unless:
Trip Interruption Coverage. 2 Reimburses the unused, non-                   1.) You purchased your plan prior to making your final
refundable portion of your trip as well as increased transportation         trip payment; 2.) You purchased trip cancellation coverage
costs for you to return home due to a covered reason.                       that covers the full cost of all your non-refundable trip
                                                                            arrangements; 3.) You were a U.S. resident and medically
Travel Delay. 2 Receive up to $150 per day per person to cover              able to travel on the day you purchased the plan; and 4.) The
additional accommodation and travel expenses due to a Travel                total cost of your trip is $20,000 per person or less. All other
Delay of six or more hours.                                                 contract terms and conditions apply.
Missed Connection. 2 Covers expenses resulting from a covered
delay that causes you to miss your scheduled flight or cruise, even         General Exclusions
if you miss your cruise due to the cancellation or delay of your
scheduled flight.                                                           In addition to any other exclusions that may apply to a
                                                                            particular benefit, no coverage is provided for any loss
    Medical Protection                                                      that results directly or indirectly from any of the following
                                                                            unless as specifically included: existing medical conditions;
Emergency Medical and Dental. 2 No deductibles. This coverage               intentional self-harm, suicide or attempted suicide;
provides benefits for losses due to medical and dental emergencies          pregnancy (unless unforeseen complications or problems),
that occur during your trip.                                                fertility treatments, childbirth or elective abortion; mental or
Emergency Medical Transportation. Provides medically necessary              nervous health disorders, (like anxiety, depression, neurosis
transportation to the nearest appropriate facility. Also covers the cost    or psychosis); use or abuse of alcohol or drugs, or related
of your transportation back home. (FL, OR, & WA residents see 2)            physical complications; war (declared or undeclared), acts
                                                                            of war, military duty, civil disorder or unrest; participation
Travel Accident. 2 Provides coverage for loss of life, limb or
eyesight within 365 days of a covered accident.                             in or training for any professional or amateur sporting
                                                                            competition; participating in extreme, high risk sports; flying
                                                                            or learning to fly an aircraft as pilot or crew; nuclear reaction,
    Baggage Protection                                                      radiation or radioactive contamination; natural disasters;
Baggage Loss/Damage. 2 Provides benefits for loss, damage or                epidemic or pandemic; air, water or other pollution or threat
theft of baggage and personal effects.                                      of pollutant release; unlawful acts; expected or reasonably
Baggage Delay. 2 Covers the reasonable additional purchase                  foreseeable events or problems; financial default of a travel
of essential items if your baggage is delayed or misdirected by a           supplier; terrorist events; travel bulletins or alerts; and
common carrier for 24 hours or more. Receipts for emergency                 government prohibition or regulations.
purchases are required.
                                                                            PLEASE BE ADVISED: This optional coverage may duplicate
                                                                            coverage already provided by your personal auto insurance
    Assistance Services                                                     policy, homeowner’s insurance policy, personal liability insurance
24-Hour Hotline Help. Help is just a phone call away with                   policy or other source of coverage. This insurance is not required
Access America travel protection. A staff of multilingual problem           in connection with the Insured’s purchase of travel tickets.
solvers is available to help you solve a medical, legal or travel-
                                                                            California Residents: This plan contains disability insurance
related emergency.
                                                                            benefits or health insurance benefits, or both, that only apply
Concierge. Nothing says “deluxe” like having your own concierge.            during the covered trip. You may have coverage from other sources
Select a restaurant and reserve the best table, locate hard-to-find         that already provides you with these benefits. You should review
event tickets and more.                                                     your existing policies. If you have any questions about your current
                                                                            coverage, call your insurer or health plan. We are doing business in
2 Insurance coverage is underwritten by BCS Insurance Company,              California as WASC Insurance Agency. CA License # is 0B01400.
rated “A-“ (Excellent) by A.M. Best Co., under BCS Form No. 52.201          Florida Residents: The benefits of the Policy providing
or 52.401, or Jefferson Insurance Company, rated “A” (Excellent) by         your coverage are governed primarily by the law of a state
A.M. Best Co., under Jefferson Form No. 101-C-XX-01 or 101-P-XX-            other than Florida.
01, depending on the insured’s state. World Access Service Corp.,
a company of Mondial Assistance, is the licensed producer and               Plan may not be available in all jurisdictions.
administrator of this plan and an affiliate of Jefferson Insurance
Company. The insured shall not receive any special benefit or
advantage because of the affiliation between World Access Service
Corp. and Jefferson Insurance Company.



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posted:10/19/2011
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