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Quark Expeditions Insurance

Benefit Highlights

Trip Cancellation & Interruption
Protects travel investments if a trip is cancelled or interrupted. Recover non-refundable, prepaid trip costs for the following covered reasons:

  • Sickness, Injury or Death
  • Trip Delay of 50% or more
  • Financial Insolvency
  • Residence/Destination Uninhabitable
  • Traffic Accident en Route
  • Common Carrier Cancellations/Delays
  • Military Duty for Natural Disaster
  • Death Hospitalization of Destination Host
  • Involuntary Employment Termination/Transfer
  • Weather
  • Strike
  • Quarantine
  • Hijacking
  • Jury Duty
  • Subpoena
  • Terrorist Act
  • Mandatory Evacuation
  • Documented Passport/Visa Theft

Trip Delay
Provides reimbursement for additional costs such as accommodations, transportation, and meals if a trip is delayed 5 hours or more for a covered reason.

Missed Cruise Connection
Includes reimbursement for unused, non-refundable expenses and additional costs such as accommodations, transportation, and meals if your connection is missed by 3 hours or more for a covered reason.

Baggage & Baggage Delay
Safeguards personal articles and expense if bags are lost, stolen, damaged, or delayed for 12 hours or more.

Emergency Medical Expenses
Provides coverage for emergency medical treatment if a sickness or injury occurs while traveling.

Emergency Medical Evacuation
Provides coverage for emergency evacuation, if necessary, to the nearest qualified medical facility, also includes repatriation.

24 Hour AD&D
Provides coverage for loss of life, limbs or sight from a covered accidental injury while traveling.

Travel Assistance & Concierge*
Includes a wide range of services before and during trips through a 24/7 toll free number. Includes assistance with medical emergencies, lost documents or baggage, event ticketing, business services, and much more.

Benefits & Rates

Base Plan Benefits

Coverage Per Person

Trip Cancellation

100% of Trip Cost ($50,000 limit)

Trip Interruption

150% of Trip Cost ($75,000 limit)

Trip Delay/ Missed Cruise Connection

$ 750

Baggage/Baggage Delay

$1,000/$250

Emergency Accident & Sickness Medical Expense

$50,000

Emergency Medical Evacuation/Repatriation

$500,000

24 Hour AD&D

$25,000

Travel Assistance & Concierge*

Included

 

Trip Cost
(use full cost per person)

Base Rate Plans Per Person

$0 excludes trip cancellation**

$34

$1 - $500

$42

$501 - $1,000

$61

$1,001 - $1,500

$82

$1,501 - $2,000

$107

$2,001 - $2,500

$132

$2,501 - $3,000

$155

$3,001 - $3,500

$171

$3,501 - $4,000

$184

$4,001 - $4,500

$205

$4,501 - $5,000

$229

$5,001 - $5,500

$269

$5,501 - $6,000

$306

$6,001 - $6,500

$326

$6,501 - $7,000

$365

$7,001 - $8,000

$403

$8,001 - $9,000

$441

$9,001 - $10,000

$478

*Provided by designated assistance provider.
**Receive all other base plan benefits including $1,000 in trip interruption coverage.

Exclusions & Limitations

The following exclusion applies to the Medical Expense, Trip Cancellation, Trip Interruption, and Trip Delay coverages:

We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the plan, including death that results therefrom. The exclusion does not apply to benefits under the Medical Evacuation and Repatriation Benefits.

The following exclusions apply to all coverages:

We will not pay for any loss under the plan, caused by, or resulting from:

  • suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane;
  • mental, nervous, or psychological disorders (does not apply to Medical Expense Benefits);
  • being under the influence of drugs or intoxicants, unless prescribed by a physician;
  • normal pregnancy or resulting childbirth or elective abortion;
  • participation as a professional in athletics; riding or driving in any motor competition;
  • declared or undeclared war, or any act of war; civil disorder (does not apply to Trip Delay);
  • service in the armed forces of any country;
  • operating or learning to operate any aircraft, as pilot or crew; mountain climbing, bungee cord jumping, skydiving, parachuting,  hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company;
  • any criminal acts, committed by you;
  • a loss or damage caused by detention, confiscation or destruction by customs;
  • elective treatments and procedures; medical treatment during or arising from a covered trip undertaken for the purpose or intent of securing medical treatment;
  • a loss that results from an illness, disease or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

Please refer to your Description of Coverage for Baggage/Baggage Delay and Rental Car Damage exclusions.

Meet Your Travel Needs

In today’s travel environment it’s important to protect you and your trip investment. Meet your travel needs with customized coverage and find the peace of mind your trip deserves with these valuable highlights:

Primary Coverage
Receive reimbursement for your eligible losses first, with no deductibles, and before any other collectible insurance.

Customize with Upgrades
Customize the plan to fit your individual lifestyle with three upgrades to choose from: Cancel for Any Reason Pak, Transportation Pak and Lifestyle Paks. Each pak offers a unique set of benefits perfect for many types of travel and covers everyone on the policy. Choose as many as you need!

21 Day Pre-Existing Waiver
Purchase the plan within 21 days of initial trip deposit and pre-existing medical conditions are eligible for coverage.

Post Departure Protection
Select the $0 trip cost level if you don’t need cancellation coverage. Receive all other base plan benefits, plus $1,000 in trip interruption coverage.

Ten Day Free Look
If you are not completely satisfied within 10 days of purchasing this plan, the insurance company will refund your premium cost, if you have not departed on your trip or filed a claim.

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 Quark Expeditions, you can purchase insurance from Quark or from the independent insurance provider, CSA. Your Vacations To Go cruise counselor can provide details of the CSA Travel Protection Plan.



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