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Blount Small Ship Adventures
Travel Protection Plan

Pre-Existing Condition Exclusion Waiver

The Pre-Existing Condition Exclusion is waived if payment for this plan is received by Blount Small Ship Adventures within 14 days of your initial deposit/payment for Your Trip.

Please Note: This policy may not be purchased after you have made final payment for Your Trip.

Cancel For Any Reason Waiver

When you purchase this Travel Protection Plan within 14 days of the initial deposit/payment for your Trip, you also qualify for the Blount Small Ship Adventures Cancellation Waiver that allows you to cancel your Blount Small Ship Adventures Travel Arrangements up to 24 hours before your scheduled departure for any reason. Under this benefit, Blount Small Ship Adventures will refund the amount of your cancellation penalty in Blount Small Ship Adventures travel certificates, with the balance of the refund made in cash or by credit card. The travel certificates are non-refundable, valid for 12 months from date of issue (but no later than 15 months from the date your trip was canceled) and may not be redeemed for cash. Any benefit payable under this Cancellation Waiver will be reduced by the amount of any cancellation benefits paid or payable by the Blount Small Ship Adventures Travel Protection Plan or any other insurance plan providing Trip Cancellation benefits. This Cancellation Waiver does not cover: 1) the single room supplement charge that is applicable if one person cancels from a twin room, which then becomes a single room; and 2) penalties associated with air or other travel arrangements not provided by Blount Small Ship Adventures. Blount Small Ship Adventures requires written notice of cancellation during normal business hours. This benefit covers only those Travel Arrangements purchased from Blount Small Ship Adventures. This Cancellation Waiver is provided by Blount Small Ship Adventures and is not an insurance benefit underwritten by United States Fire Insurance Company.

United States Fire Insurance Company

Administrative Office: 5 Christopher Way

Eatontown, NJ 07724

(Hereinafter referred to as "the Company")

Schedule of Benefits

Benefit

Maximum Benefit Amount

Accidental Death and Dismemberment

$25,000

Medical Expense/Emergency Assistance

Accident and Sickness Medical Expense

Emergency Evacuation and Repatriation

One Call 24-Hour Assistance Services

$50,000

$100,000

Included

Trip Cancellation

Trip Cost

Trip Interruption

150% of Trip Cost

Missed Connection

$750

Travel Delay (Up to $150 Per Day)

$750

Baggage and Personal Effects

$1,000

Baggage Delay

$250

SECTION I. Coverages

ACCIDENT & SICKNESS MEDICAL EXPENSE

For the purpose of this benefit:

"Covered Expense" means expense incurred for services and supplies: (a) listed below; and (b) ordered or prescribed by a Legally Qualified Physician as Medically Necessary for diagnosis or treatment; which is limited to:
           1.      The services of a Legally Qualified Physician;
           2.      Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended as a substitute for a Hospital room for recovery of a Sickness or Injury);
           3.      Transportation furnished by a professional ambulance company to and/or from a Hospital; and prescribed drugs, prosthetics and therapeutic services and supplies.

Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount, if You incur a Covered Expense as a result of a Sickness that first manifests itself during the Trip or Injury that occurs during the Trip.

Only Covered Expenses incurred within the 52 weeks following the date of the Sickness or Injury will be reimbursed. Expenses incurred after the 52 weeks following the date of the Sickness or Injury are not covered.

Benefits will include expenses incurred during the Trip for emergency dental treatment due to Injury not to exceed $750. Expenses for emergency dental treatment incurred after the Trip are not covered. Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed, to secure your admission to a Hospital, because of a covered Sickness or Injury. The Program Medical

Advisor will coordinate advance payment to the Hospital.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

TRIP CANCELLATION, TRIP INTERRUPTION, MISSED CONNECTION AND TRAVEL DELAY

Trip Cancellation: Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to cover you for the unused non-refundable prepaid expenses for Travel Arrangements when you are prevented from taking your Trip due to:

1.      Death involving you or your Traveling Companion or your or your Traveling Companion’s Business Partner or your Family Member;
2.      A covered Sickness or Injury involving you, your Traveling Companion or Business Partner, or your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents your participation in the Trip; or
3.      For the Other Covered Reasons listed below; provided such circumstances occurred after your Effective Date.

Trip Interruption: Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when you are prevented from completing your Trip due to:

1.      Death involving you or your Traveling Companion or your or your Traveling Companion’s Business Partner or your Family Member;
2.      A covered Sickness or Injury involving you, your Traveling Companion or Business Partner, or your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents your continued participation in the Trip; or
3.      For the Other Covered Reasons listed below; provided such circumstances occurred after your Effective Date.

Other Covered Reasons means:

a.      You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b.      Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c.      Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d.      a documented theft of passports or visas;
e.      a permanent transfer of employment of 250 miles or more;
f.       You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g.     unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h.      Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i.       mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j.       You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
k.      involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;
l.       a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
m.    revocation of Your previously granted leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
n.      Bankruptcy or Default of an airline (other than the tour operator or travel agency from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective 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 airline in order to get to your intended destination. This benefit only applies if the policy has been purchased within 14 days of your initial deposit/payment for Your Trip.

Additional Trip Interruption Benefits:

If your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by you to remain with Your Traveling Companion up to $150 per day, limited to 5 days.

If you cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and you must extend your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $150 per day, limited to 5 days.

Single Supplement:

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

Missed Connection:

If you miss your cruise or tour departure because your arrival at your Trip destination is delayed for 3 or more hours, benefits will be paid, on a one-time basis, up to the Maximum Benefit Amount, for a) the Additional Transportation Cost to join the Trip and b) the unused portion of the prepaid expenses for land or water Travel Arrangements, due to:

a.      any delay of a Common Carrier (the delay must be certified by the Common Carrier);
b.      a documented weather condition preventing You from getting to the point of departure;
c.      quarantine, hijacking, Strike, natural disaster, terrorism or riot.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

Travel Delay:

Benefits will be paid for reasonable accommodation, meal, and local transportation expenses incurred by you, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You are delayed for 12 hours or more while en route to or from, or during a Trip, due to:

a.      any delay of a Common Carrier (the delay must be certified by the Common Carrier)
b.      a traffic accident in which You or Your Traveling Companion are not directly involved (must be substantiated by a police report);
c.      lost or stolen passports, travel documents or money (must be substantiated by a police report);
d.      quarantine, hijacking, Strike, natural disaster, terrorism or riot;
e.      a documented weather condition preventing You from getting to the point of departure.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

SECTION III. When Coverage Begins and Ends

Your Term of Coverage:

For Trip Cancellation: Coverage begins on Your "Effective Date" which is at 12:01 a.m. on the date Blount Small Ship Adventures receives the appropriate cost for this policy for Your Trip and ends at the point and time of departure on Your Scheduled Departure Date.

For Travel Delay: Coverage is in force while en route to and from and during the Trip.

For all other coverages: All other benefits begin on 12:01 a.m. on Your Scheduled Departure Date. Coverage ends at the point and time of return on Your Scheduled Return Date.

In the event the Scheduled Departure Date and/or the Scheduled Return Date are delayed, or the point and time of departure and/ or point and time of return are changed because of circumstances over which neither the Travel Supplier nor You have control, Your term of coverage shall be automatically adjusted in accordance with the Travel Supplier’s notice to Us of the delay or change.

SECTION IV. General Limitations and Exclusions

Benefits are not payable for any loss due to, arising or resulting from:

1.      suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (in Missouri, sane only);
2.      an act of declared or undeclared war;
3.      participating in maneuvers or training exercises of an armed service;
4.      riding, driving or participating in races, or speed or endurance contests;
5.      mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);
6.      participating as a member of a team in an organized sporting competition;
7.      participating in skydiving, hang gliding, bungee cord jumping, or scuba diving if the depth exceeds 130 feet or if You are not certified to dive and a dive master is not present during the dive;
8.      piloting or learning to pilot or acting as a member of the crew of any aircraft;
9.      being Intoxicated, as specifically defined in the policy, or under the influence of any controlled substance unless administered on the advice of a Legally Qualified Physician;
10.   the commission of or attempt to commit a felony or being engaged in an illegal occupation;
11.   normal childbirth, normal pregnancy (except complications of pregnancy) or voluntarily induced abortion
12.   dental treatment (except as coverage is otherwise specifically provided herein);
13.   amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Schedule of Benefits;
14.   due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or Return of Remains coverage; or
15.   a mental or nervous condition, unless hospitalized.

This is not a complete description of all benefits and limitations. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Prices, terms, and conditions listed in this summary are subject to change without notice, and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking.

If you book a cruise with Blount Small Ship Adventures, you can purchase insurance from Blount or from the independent insurance provider, CSA. Click here to see details of the CSA Travel Protection Plan.



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