Cruise Protection Plan Schedule of BenefitS
Trip Cancellation & Trip Interruption
The Company will pay a benefit, up to the maximum shown on
Benefit Maximum Benefit Amount
the Schedule of Benefits, if You are prevented from taking or
unable to continue Your Covered Trip due to:
Trip Cancellation ...................................Up to Cruise Cost (a) Sickness, Accidental Injury or death of You, Traveling
Trip Interruption ....................................Up to Cruise Cost Companion, or Family Member; which results in medically
One Call 24-Hour Assistance Services .............. Included imposed restrictions as certified by a Physician at the time of
Loss preventing Your continued participation in the Covered
Trip. A Physician must advise cancellation of the Covered
Trip on or before the Scheduled Departure Date.
(b) You or a Traveling Companion being hijacked, quarantined,
required to serve on a jury, subpoenaed, the victim of
Plan # n701S felonious assault within ten (10) days of departure; or having
Your principal place of residence made uninhabitable by fire,
flood or other natural disaster; or burglary of Your principal
CERTIFICATE OF INSURANCE place of residence within ten (10) days of departure.
Nationwide Mutual Insurance Company (c) You or a Traveling Companion being directly involved in a
traffic accident substantiated by a police report, while en
One Nationwide Plaza route to departure.
(d) A transfer of You by the employer with whom You are
Columbus OH 43215 employed on the Effective Date that requires Your principal
residence to be relocated.
This Certificate of Insurance describes all of the travel insurance (e) The death or hospitalization of Your Host at Destination.
benefits, underwritten by Nationwide Mutual Insurance Company
and herein referred to as the Company, and assistance services (f) Strike that causes complete cessation of services for at least
provided by One Call Worldwide Travel Services Network, twenty-four (24) consecutive hours.
Inc. The insurance benefits and assistance services vary from (g) You are terminated, or laid off from employment subject to
program to program. three (3) years of continuous employment at the place of
Standard Plan employment where terminated.
This Certificate of Insurance is issued in consideration of the (h) Bankruptcy and/or Default of Your Travel Supplier which
payment of any premium due. occurs more than fourteen (14) days following Your Effective
for coverage Questions or Date. Coverage is not provided for the Bankruptcy or Default
customer Service, call: NO DIVIDENDS WILL BE PAYABLE UNDER THE GROUP of the agency from whom You purchased the Land/Sea
POLICY. Arrangements. Your Scheduled Departure Date must be no
more than twenty-four (24) months beyond Your Effective
The President and Secretary of Nationwide Mutual Insurance
1-800-888-7292 Company witness the Group Policy.
Date. Benefits will be paid due to Bankruptcy or Default of
an airline only if no alternate transportation is available. If
alternate transportation is available, benefits will be limited
to the change fee charged to allow You to transfer to another
PLEASE NOTE: This Cruise Protection Plan contains airline in order to get to Your intended destination.
a Pre-Existing Conditions Exclusion. Please read the (i) Weather that causes complete cessation of services of Your
Definitions and Exclusions Sections of Your Description Common Carrier for at least twenty-four (24) consecutive
of Coverage carefully. hours.
Form SRTC 2500 Page 1 Page 2
j) A Terrorist Incident that occurs in a city listed on Your Covered In no event shall the amount reimbursed exceed the maximum grandchild, natural or adopted child, step-child, children-in-law,
Trip itinerary and within thirty (30) days prior to Your Scheduled benefit shown on the Schedule of Benefits. brother, sister, step-brother, step-sister, brother-in-law, sister-in-
Departure Date. This same city must not have experienced Single Occupancy Coverage law, aunt, uncle, niece or nephew.
a Terrorist Incident within the ninety (90) days prior to the Financial Insolvency: means the total cessation of operations
Terrorist Incident that is causing the cancellation of Your The Company will reimburse You, up to the maximum shown on due to insolvency, with or without the filing of a Bankruptcy
Covered Trip. Benefits are not provided if the Travel Supplier the Schedule of Benefits for Trip Cancellation, for the additional petition by a tour operator, cruise line, or airline provided the
offers a substitute itinerary. Your Scheduled Departure Date cost incurred during the Covered Trip as a result of a change in Financial Insolvency occurs more than 14 days following the
must be no more than twenty-four (24) months beyond Your the per person occupancy rate for prepaid Travel Arrangements Effective Date. There is no coverage for the Financial Insolvency
Effective Date. This benefit only applies if the plan has been if a person booked to share accommodations with You has his/ of any person, organization, agency or firm from whom You
purchased within fourteen (14) days of Your initial payment for her Covered Trip delayed, canceled, or interrupted for a covered purchased Travel Arrangements supplied by others.
the Covered Trip and for the full cost of the Covered Trip. reason and You do not cancel.
Hospital: means a facility that (a) holds a valid license if it is
(k) Your Traveling Companion or Family Member, who are required by the law; (b) operates primarily for the care and
military personnel, and are called to emergency duty for a GENERAL DEFINITIONS
treatment of sick or injured persons as in-patients; (c) has a staff
natural disaster other than war. Accident: means a sudden, unexpected, unusual, specific of one or more Physicians available at all times; (d) provides
(l) Natural disaster at the site of Your destination that renders event that occurs at an identifiable time and place, but shall also twenty-four (24)-hour nursing service and has at least one
the destination accommodations uninhabitable. include exposure resulting from a mishap to a conveyance in registered professional nurse on duty or call; (e) has organized
Trip Cancellation which You are traveling. diagnostic and surgical facilities, either on the premises or in
The Company will reimburse You for the following: Accidental Injury: means Bodily Injury caused by an Accident (of facilities available to the hospital on a pre-arranged basis; and (f)
external origin) being the direct and independent cause in the Loss. is not, except incidentally, a clinic, nursing home, rest home, or
the amount of prepaid, forfeited, non-refundable Payments or Bankruptcy: means the filing of a petition for voluntary or convalescent home for the aged, or similar institution.
Deposits that You paid for Your Covered Trip. involuntary bankruptcy in a court of competent jurisdiction under Host at Destination: means a person with whom You are sharing
In no event shall the amount reimbursed exceed the amount You Chapter 7 or Chapter 11 of the United States Bankruptcy Code pre-arranged overnight accommodations at the host’s usual
prepaid for the Covered Trip up to the maximum benefit shown 11 L.S.C. Subsection 101 et seq. principal place of residence.
on the Schedule of Benefits. Bodily Injury: means identifiable physical injury which is caused Inclement Weather: means any severe weather condition that
Special Conditions: You must advise the Travel Supplier by an Accident and is independent of disease or bodily infirmity. delays the scheduled arrival or departure of a Common Carrier.
and the Company as soon as possible in the event of a claim. Business Partner: means an individual who: (a) is involved in a Individual Coverage Term: means the period of time beginning
The Company will not pay benefits for any additional charges legal partnership; and/or (b) is actively involved in the day-to-day when You have been enrolled for coverage under the Policy and
incurred that would not have been charged had You notified the management of the business. for which the required premium has been paid.
Travel Supplier as soon as reasonably possible.
Common Carrier: means any land, sea, and/or air conveyance Insured: means the person who has enrolled for and paid for
Trip Interruption operating under a valid license for the transportation of coverage under the Policy.
The Company will pay for the following: passengers for hire. Land/Sea Arrangements: means any activities undertaken by
Company: means Nationwide Mutual Insurance Company. You while on a Covered Trip.
(a) Unused, non-refundable land or sea expenses prepaid to
Travel Suppliers; Covered Trip: means any class of scheduled trips, tours or cruises Loss: means injury or damage sustained by You in consequence
for which You request coverage and remit the required premium. of happening of one or more of the occurrences against which
(b) The airfare paid less the value of applied credit from an unused Cruise: means any prepaid sea arrangements made by the the Company has undertaken to indemnify You.
travel ticket to return home or rejoin the original Land/Sea Participating Organization.
Arrangements limited to the cost of one-way economy airfare or Maximum Benefit: means the largest total amount of Covered
similar quality as the originally issued ticket by scheduled carrier Default: means a material failure or inability to provide contracted Expenses that the Company will pay for Your covered Losses.
from the point of destination to the point of origin shown on the services due to Financial Insolvency. Participating Organization: means a travel agency, tour
original travel tickets. Economy Fare: means the lowest published rate for an operator, cruise line, airline or other organization that applies
The Company will pay for reasonable additional accommodation economy ticket. for coverage under the Group Policy and remits the required
Effective Date: means 12:01 AM local time, at Your location, on premium to the Company.
and transportation expenses incurred by You (up to $100 a
day) if a Traveling Companion must remain hospitalized, or if the day after the required premium for such coverage is received Payments or Deposits: means the cash, check, or credit card
You must extend the Covered Trip with additional hotel nights by the Company or its authorized representative. amounts actually paid for Your Covered Trip. Payments made in
due to a Physician certifying that You cannot fly home due to an Family Member: means Your or Your Traveling the form of a certificate, voucher or discount are not Payments or
Accident or a Sickness but does not require hospitalization. Companion’s legal or common law spouse, parent, legal Deposits as defined herein.
guardian, step-parent, grandparent, parents-in-law, Physician: means a licensed practitioner (including a Christian
Science Practitioner) of medical, surgical or dental services
acting within the scope of his/her license. The treating Physician
may not be You, a Traveling Companion or a Family Member.
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LIMITATIONS AND EXCLUSIONS
Pre-Existing Condition: means an illness, disease, or other The following exclusions apply to Trip Cancellation & Trip
condition during the 60 day period immediately prior to the Interruption, Trip Delay, Missed Connection, Emergency WHERE TO PRESENT A CLAIM
Effective Date for which You, Your Traveling Companion or Evacuation and Repatriation of Remains:
Family Member booked to travel with You: 1) exhibited symptoms Loss caused by or resulting from: Present all claims to the Program Administrator:
which would have caused one to seek care or treatment; or 2)
1. Pre-Existing Conditions, as defined in the Definitions section Trip Mate, Inc.*
received or received a recommendation for a test, examination,
or medical treatment or 3) took or received a prescribed for (except Emergency Evacuation and Repatriation of Remains); 9225 Ward Parkway, Suite 200
drugs or medicine. Item (3) of this definition does not apply to a 2. suicide, attempted suicide or any intentionally self-inflicted injury Kansas City, Missouri 64114
condition which is treated or controlled solely through the taking of while sane or insane (in Missouri, sane only) unless results in Tel: 1-800-888-7292
prescription drugs or medicine and remains treated or controlled the death of a non-traveling immediate Family Member; Plan Number: N701S
without any adjustment or change in the required prescription 3. war, invasion, acts of foreign enemies, hostilities between Claims may also be reported/completed online at:
throughout the 60 day period before the Effective Date. nations (whether declared or not), civil war;
4. participation in any military maneuver or training exercise; www.tripmate.com
Reasonable and Customary: charges mean charges commonly *In CA, dba Trip Mate Insurance Agency
used by Physicians in the locality in which care is furnished. 5. piloting or learning to pilot or acting as a member of the
crew of any aircraft;
Scheduled Departure Date: means the date on which You are GENERAL PROVISIONS
originally scheduled to leave on the Covered Trip. 6. mental or emotional disorders, unless hospitalized;
7. participation as a professional in athletics; The following provisions apply to all coverages:
Scheduled Return Date: means the date on which You are
originally scheduled to return to the point of origin or to a different 8. participation in underwater activities; When Your Coverage Begins
final destination. 9. being under the influence of drugs or intoxicants, unless Provided: (a) coverage has been elected; and (b) the required
Sickness: means an illness or disease of the body which: 1) prescribed by a Physician unless results in the death of a premium has been paid, all coverage (except Trip Cancellation)
requires a physical examination and medical treatment by a non-traveling immediate Family Member; will begin on the Scheduled Departure Date when You depart
Physician and 2) commences while Your coverage is in effect. An 10. commission or the attempt to commit a criminal act; for the first Travel Arrangement (or alternate Travel Arrangement
illness or disease of the body which begins prior to the Effective 11. participating in bodily contact sports; skydiving; hang- if You must use an alternate Travel Arrangement to reach Your
Date of coverage is not a Sickness as defined herein and is not gliding; parachuting; mountaineering; any race; bungee Covered Trip destination) for Your Covered Trip. Trip Cancellation
covered by the policy unless it suddenly worsens or becomes cord jumping; and speed contest (speed contest shall not coverage will begin on Your Effective Date. If coverage is
acute after the Effective Date. include any of the regatta races); scuba diving; spelunking purchased on the Scheduled Departure Date, such coverage will
Strike: means any unannounced labor disagreement that interferes or caving; heliskiing or extreme skiing; take effect at 12:01 A.M. local time at Your location on the day
with the normal departure and arrival of a Common Carrier. after the Scheduled Departure Date.
12. pregnancy and childbirth (except for complications of
Terrorist Incident: means an incident deemed a terrorist act by pregnancy) except if hospitalized; When Your Coverage Ends
the United States Government that causes property damage or 13. curtailment or delayed return for other than covered Your coverage will end at 11:59 P.M. local time on the date that is
Loss of life. reasons; the earliest of the following:
Travel Arrangements: means (a) transportation; (b) accommo- 14. traveling for the purpose of securing medical treatment; (a) the Scheduled Return Date of Your Covered Trip;
dations; and (c) other specified services arranged by the Travel 15. services not shown as covered; (b) the date You return to Your origination point if prior to the
Supplier for the Covered Trip. Scheduled Return Date;
16. directly or indirectly, the actual, alleged or threatened
Traveling Companion: means a person or persons with whom discharge, dispersal, seepage, migration, escape, release (c) the date You leave or change Your Covered Trip (unless due
You have coordinated travel arrangements and intend to travel or exposure to any hazardous biological, chemical, nuclear to unforeseen and unavoidable circumstances covered by
with during the Covered Trip. Note, a group or tour leader is not radioactive material, gas, matter or contamination; the Policy);
considered a Traveling Companion unless You are sharing room 17. Care or treatment that is not medically necessary;
accommodations with the group or tour leader. (d) if You extend the return date, Your coverage will terminate
18. Injury or Sickness when traveling against the advice of a at 11:59 P.M., local time, at Your location on the Scheduled
Travel Supplier: means tour operator, cruise line, hotel, airline, Physician; Return Date;
etc., that has made the land and/or sea arrangements.
19. Cosmetic surgery except for: reconstructive surgery (e) the date You cancel the Covered Trip.
You or Your: refers to the Insured. incidental to or following surgery for trauma, or infection or
other covered disease of the part of the body reconstructed, Extended Coverage
or to treat a congenital malformation of a child. Coverage will be extended under the following conditions:
(a) if You are a passenger on a scheduled Common Carrier
that is unavoidably delayed in reaching the final destination
coverage will be extended for the period of time needed to
arrive at the final destination;
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(b) if You are unavoidably delayed in traveling on the Scheduled Subrogation Proof of Loss
Return Date due to a reason covered under this policy,
benefits will be extended for the period of time needed to To the extent the Company pays for a Loss suffered by You, the The Claimant must send the Company, or its designated
arrive at the point of origin or to a different final destination; Company will take over the rights and remedies You had relating representative, proof of Loss within ninety (90) days after a
to the Loss. This is known as subrogation. You must help the covered Loss occurs, or as soon as reasonably possible.
(c) if: (a) Your entire Covered Trip is covered by the policy; and Company to preserve its rights against those responsible for the
(b) Your return is delayed by an event specified under Trip Physical Examination and Autopsy
Loss. This may involve signing any papers and taking any other
Cancellation and Interruption or Trip Delay. This extension steps the Company may reasonably require. If the Company The Company, or its designated representative, at their own
of coverage will end on the earlier of: (a) the date You reach takes over Your rights, You must sign an appropriate subrogation expense, have the right to have You examined as often as
Your return destination; or (b) ten (10) days after the date the form supplied by the Company. reasonably necessary while a claim is pending. The Company,
Covered Trip was scheduled to be completed. or its designated representative, also has the right to have an
The following provisions will apply to Trip Cancellation & Trip autopsy made unless prohibited by law.
In no event will coverage be extended for unscheduled Interruption:
extensions to Your Covered Trip for which premium has not Time of Payment of Claims
been paid in advance. Payment of Claims
Benefits payable under this Policy for any Loss other than Loss
Arbitration The Company, or its designated representative, will pay a claim for which this Policy provides any periodic payment will be paid
after receipt of acceptable proof of Loss. Benefits for Loss of life immediately upon receipt of due written proof of such Loss. Subject
Notwithstanding anything in this Policy to the contrary, any claim are payable to Your beneficiary. If a beneficiary is not otherwise
arising out of or relating to this contract, or its breach, will be to due written proof of Loss, all accrued indemnities for Loss for
designated by You, benefits for Loss of life will be paid to the first which this Policy provides periodic payment will be paid monthly
settled by arbitration administered by the American Arbitration of the following surviving preference beneficiaries:
Association in accordance with the Uniform Arbitration Act (710 and any balance remaining unpaid upon the termination of liability,
ILCS 5/1 et seq.) except to the extent provided otherwise in this (a) Your spouse; will be paid immediately upon receipt of due written proof.
clause. Judgment upon the award rendered in such arbitration (b) Your child or children jointly; All claims shall be paid within thirty (30) days following receipt
may be entered in any court having jurisdiction thereof. All fees (c) Your parents jointly if both are living or the surviving parent if by the Company of due proof of Loss. Failure to pay within such
and expenses of the arbitration shall be borne by the parties only one survives; period shall entitle the claimant to interest at the rate of nine (9)
equally. However, each party will bear the expense of its own (d) Your brothers and sisters jointly; or percent per annum from the 30th day after receipt of such proof of
counsel, experts, witnesses, and preparation and presentation Loss to the date of late payment, provided that interest amounting
of proofs. The arbitrators are precluded from awarding punitive, (e) Your estate.
to less than one dollar need not be paid. You or Your assignee
treble or exemplary damages, however so denominated. If more All other claims will be paid to You. In the event You are a minor, shall be notified by the Company or designated representative of
than one Insured is involved in the same dispute arising out of incompetent or otherwise unable to give a valid release for the any known failure to provide sufficient documentation for a due
the same Policy and relating to the same Loss or claim, all such claim, the Company may make arrangement to pay claims to Your proof of Loss within thirty (30) days after receipt of the claim. Any
Insureds will constitute and act as one party for the purposes of legal guardian, committee or other qualified representative. required interest payments shall be made within thirty (30) days
the arbitration. Such arbitration will be voluntary, will be by mutual All or a portion of all other benefits provided by the Policy may, after the payment.
consent by all parties, and may be binding upon all parties or non- at the option of the Company, be paid directly to the provider
binding on the Insured. Nothing in this clause will be construed of the service(s). All benefits not paid to the provider will be
to impair the rights of the Insureds to assert several, rather than paid to You.
joint, claims or defenses.
Any payment made in good faith will discharge the Company’s
Legal Actions liability to the extent of the claim.
No legal action for a claim can be brought against the Company The applicable benefit amount will be reduced by the amount
until sixty (60) days after the Company receives proof of of benefits, if any, previously paid by other Insurance Policies.
Loss. No legal action for a claim can be brought against the In no event will the Company reimburse You for an amount
Company more than two (2) years after the time required for greater than the amount paid by You.
giving proof of Loss.
Notice of Claim
Written notice of claim must be given by the Claimant (either You
Any part of the Policy that conflicts with the state law where the or someone acting for You) to the Company or its designated
Policy is issued is changed to meet the minimum requirements representative within twenty (20) days after a covered Loss first
of that law. begins, or as soon as reasonably possible. Notice should include
Your name, and be sent to the Company’s administrative office
at: 9225 Ward Parkway, Suite 200 Kansas City, Missouri 64114.
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