PART A: SeaDream Yacht Club – Waiver
(Benefits paid for by SeaDream Yacht Club and administered by Insure America)

• Trip Cancellation – Total Trip Cost up to $50,000
• Trip Interruption – Total Trip Cost up to $50,000

PART B: Insure America – Post Departure
(Benefits paid for and administered by Insure America)

• Travel Delay – $1,000
• Baggage/Personal Effects –$3,000
• Baggage Delay – $500
• Accident Medical Expense – $20,000
• Sickness Medical Expense – $20,000
• Emergency Evacuation Repatriation of Remains – $50,000
• Emergency Medical Transportation
• TRAVEL GUARD® Assistance

IMPORTANT — Exclusions apply to certain medical conditions.

Coverage is valid only if premium has been paid. Product Number: 007797

PART A: SeaDream Yacht Club – Waiver
(Benefits paid for bySeaDream Yacht Club and administered by Insure America)

Trip Cancellation and Interruption

In the event the Insured is prevented from taking his/her Tour because: (a) the Insured, an Immediate Family Member, or a Traveling Companion suffers an Injury, Sickness or Death -- Injury or Sickness must be so disabling as to reasonably cause a trip to be  delayed, canceled or interrupted; (b) The following Unforeseen circumstances: subpoenaed, summoned for jury duty, quarantined, has a primary residence made uninhabitable; the Insured or a Traveling Companion has a documented traffic accident while en route to departure, or is hijacked; SeaDream Yacht Club will pay benefits up to the maximum limit shown on the Schedule of Coverages for:

(a) Trip Cancellation – non-refundable cancellation charges imposed by SeaDream Yacht Club against the Insured’s Total Trip Cost, or the additional costs he/she may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if a Traveling Companion cancels his/her cruise for a covered reason and the Insured does not cancel;

(b) Trip Interruption – unused, non-refundable sea, land or air expenses prepaid to SeaDream Yacht Club and/or additional transportation expenses, less the value of applied credit from an unused return travel ticket, to return home or rejoin the original sea/land arrangements made by SeaDream Yacht Club (limited to the same class of airfare originally purchased).

Note: As respects air cancellation penalties, the Insured will be covered only for air arrangements booked and prepaid to SeaDream Yacht Club, and the flights connecting to such air arrangements booked and prepaid through SeaDream. SeaDream Yacht Club will not provide reimbursement for cancellation charges imposed on any other air arrangements the Insured may book on their own. This program will also pay, 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 the Insured’s cruise.

Special Conditions: The Insured must advise SeaDream Yacht Club and Insure

America as soon as possible in the event of a claim. SeaDream Yacht Club will not pay benefits for any additional charges incurred that would not have been charged had the Insured notified SeaDream Yacht Club and Insure America as soon as reasonably possible.

Future Travel Credit Feature: As a special service to its guests who have enrolled in the plan, SeaDream Yacht Club will issue a future travel credit in the following instances:

(1) If the Insured must cancel his/her cruise and his/her claim is denied due to a Pre-Existing Condition, a future travel credit will be issued in the amount equal to the cancellation penalties imposed by SeaDream Yacht Club.

(2) If the Insured’s Total Trip Cost exceeds $50,000 per person and you have a covered cancellation claim, SeaDream Yacht Club will issue a future travel credit equal to the amount by which the cancellation penalties imposed exceeds the $50,000 per person cash reimbursement covered by the plan. For covered interruption claims, the future travel credit will equal the amount by which the pro-rated amount of the cruise cost remaining exceeds the $50,000 per person cash reimbursement covered by the plan.

PART B: Insure America – Post Departure
(Benefits paid for and administered by Insure America)

Travel Delay

The Insurer will reimburse benefits for Covered Expenses, up to $1,000, if the Insured’s trip is delayed for 12 hours or more, due to inclement weather, strike or other job action, or equipment failure of a Common Carrier. The Insurer will pay for reasonable, additional accommodation and traveling expenses until travel becomes possible. This benefit is payable for only one delay for all Insureds.

Loss of Baggage and Travel Documents

The Insurer will reimburse the Insured up to the maximum shown on the Schedule of Benefits for loss, theft or damage to Baggage and personal effects during the trip. 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 (limit per articles - $250). If receipts are not provided, benefits may be reduced. All items over $150 must be accompanied by an original receipt. There will be a combined maximum limit of $1,000 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; and articles trimmed with or made mostly of fur.

Baggage Delay

The Insurer will reimburse benefits for additional documented Covered Expenses, up to the maximum shown on the Schedule of Benefits, for necessary personal effects, if the Insured’s checked Baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time the Insured arrives at the Destination stated on his/her ticket. The Insured must be a ticketed passenger on a Common Carrier.

Accident & Sickness Medical Expense Benefit

The Insurer will pay benefits up to the maximum shown on the Schedule of Benefits if the Insured incurs necessary Covered Medical Expenses as a result of an Injury or Sickness. The Injury must occur while the Insured is covered under the policy, and the Sickness must first manifest itself during the Tour. Initial treatment must be received during the Insured’s trip. All services, supplies or treatment must be received within 52 weeks of the date of the accident or the onset of the Sickness.

Covered Expenses are necessary services and supplies that are recommended by the attending Physician. They include the services of a legally qualified Physician, surgeon, graduate nurse, dentist (Injury only) 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 Necessary Expenses commonly used by providers of medical care in the locality in which the care is furnished. The Insurer will not pay for hotel accommodations and extra living expenses for the Insured or the Insured’s Traveling Companion incurred while being hospitalized or treated on an outpatient basis.

Emergency Evacuation/Repatriation of Remains

The Insurer will pay benefits for covered expenses up to the maximum shown on the Schedule of Benefits if any Injury or Sickness commencing during the Tour results in the Insured’s necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of the Insured’s Injury or Sickness warrants an Emergency Evacuation.

Emergency Evacuation means: (a) the Insured’s medical condition warrants immediate transportation from the place where he/she is injured or sick to the nearest Hospital where adequate medical treatment can be obtained. The Insurer will arrange and pay:

(a) Reasonable and Necessary medical services required for evacuation to the nearest adequate medical facility or home if medically required. This service will be arranged only if the Insured’s Doctor determines that adequate medical treatment is not locally available;

(b) up to $5,000 for Reasonable and Necessary escort expenses required by the Insured, if the Insured is disabled during a trip and an escort is recommended, in writing, by a Doctor;

(c) up to $5,000 per person for special air transportation costs to return home if the Insured’s Doctor advises in writing that the Insured’s condition requires a stretcher, oxygen or other special medical arrangement;

(d) Reasonable and Necessary services for transportation of the Insured’s remains to his/her place of residence if he/she dies during a trip. Services must be provided by a provider designated by the Insurer. Timely notification by the Insured to the Insurer’s designated provider is required.

Covered Expenses are Reasonable and Necessary expenses, up to the maximum shown on the Schedule of Benefits, for transportation, medical services and medical supplies necessarily incurred in connection with the Insured’s Emergency Evacuation. All transportation arrangements made for the Insured’s 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 the Insured; and
(c) must be verified and approved in advance by INSURE AMERICA®.

Expenses for medical services and supplies must be recommended by the attending Physician.

Transportation means any land, water or air conveyance required to transport the Insured 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 the Insured or already included in the cost of the Tour. The Insurer may require autopsy where lawful.

24-Hour Assistance - Provided by Travel Guard

Travel Guard® Assistance

Travel Guard’s Assistance Staff provides the Insured with the highest quality and most efficient level of service available 24 hours a day, 7 days a week. Here is a description of the services provided.

All benefits provided are service benefits, not financial benefits. Any cost associated with benefits not purchased will be paid by the named Insured.

24-Hour Medical Assistance

24-Hour Medical Monitoring: Physicians monitor the Insured’s condition by maintaining close contact with the attending physicians, his/her family Doctor and Family Members.

Medical Evacuation: Arrangements for any and all means necessary to transport the Insured back home when medically necessary.

Emergency Medical Payments: If a Hospital demands a cash deposit or settlement prior to leaving, Travel Guard will assist in arranging the advancement of funds to cover on-site Medical Expenses.

Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier.

Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with the Insured to be flown home.

Family Visit: If the Insured is hospitalized for ten or more days, Travel Guard will arrange transportation for a Family Member or close friend to visit the Insured.

Transportation of Mortal Remains: In the event of death while traveling, arrangements for the return of remains to the place of burial.

24-Hour Legal Assistance

In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.

24-Hour Travel Assistance

Travel Documents Assistance: Travel Guard will help retrieve, report and reissue lost or stolen travel documents.

Emergency Cash Transfer: Travel Guard will facilitate the transfer of funds from the Insured’s U.S. bank or credit card or from the account or credit card of a Family Member.

Emergency Message Center: Transmission of emergency messages to family and business associates.

Interpretation Services: Travel Guard provides emergency language support or referral to the appropriate local services.

Non-insurance services through Travel Guard® Assistance are provided by Travel Guard®.

“Baggage” means luggage and personal possessions, whether owned, borrowed or rented, taken by the Insured on the trip.

“Common Carrier” means an air conveyance operating under a license for the transportation of passengers for hire.

“Complication of Pregnancy” means a condition in which the diagnosis is distinct from pregnancy but adversely affected or caused by pregnancy. It does not include any condition associated with the management of a difficult pregnancy not consisting of a classifiably distinct Complication of Pregnancy.

“Default” means any failure of a provider of travel related services (including any Tour operator) to provide the bargained-for travel services, or to refund money due the Insured.

“Destination” means the place where the Insured expects to travel on his/her trip.

“Doctor” means a licensed practitioner of the healing arts, acting within the scope of his license. The treating Doctor may not be the Insured, Family Member or Traveling Companion.

“Hospital” means a place that: (a) holds a valid license; (b) is run mainly for the care and treatment of sick or injured persons as inpatients; (c) has a staff of one or more Doctors available at all times; (d) provides 24-hour nursing service and has at least one registered nurse on duty at all times; (e) has organized diagnostic and surgical facilities, either on the premises or on a contract basis with another Hospital; and (f) is not mainly a clinic, or facility for nursing, rest or convalescence, or a place for the aged, drug addicts, alcoholics or persons with mental or nervous disorders.

“Immediate Family” means children, children-in-law, parents, parents-in-law, siblings, siblings-in-law, grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces and nephews of the Insured or the Insured’s Traveling Companion.

“Initial Trip Payment” means the date the first deposit is made to the Insured’s Travel Agent toward the cost of the Insured’s trip.

“Injury” means a bodily Injury, caused by an accident and resulting directly and independently of all other causes in loss covered by the policy. The accident must happen

while the Insured is covered under the policy.  Also requires treatment by a Doctor.

“Insured” means the person named by the Tour operator as a participant in this insurance program.

“Insurer” means American Home Assurance Company.

“Medical Expenses” means Reasonable and Necessary costs of treatment for Injury or Sickness that are provided by a medical Doctor, dentist or professional nurse on an emergency or urgent basis which are actually incurred by the Insured.

“Premium” means a scheduled per person payment for insurance coverage separate from trip costs.

“Reasonable and Necessary Expenses” means the prevailing charge made by most providers of a given service in the geographic area where the service is received. In no event will the Reasonable and Necessary Expenses exceed the actual amount charged.

“Return Destination” means the place to which the Insured expects to return from his/her trip.

“Sickness” means an illness, disease or Injury that requires treatment by a Doctor.

“Tour” means Land/Sea Arrangements and shall include flight connections to join and depart such Land/Sea Arrangements provided by such flights are scheduled to commence within 1 day of the Land/Sea arrangements.

“Travel Agent” means the Travel Agent, Tour operator, or other entity from which the Insured purchases his/her coverage or travel arrangements, and includes all officers, employees and affiliates of the Travel Agent or Tour operator.

“Traveling Companion” means a person who accompanies the Insured on the entire Trip and is named on the Insured’s Enrollment Form for coverage and shares accommodations with the Insured for the entire trip.

“Trip Completion Date” means the date on which the Insured is scheduled to return to the point where the trip started, or to a different specified Return Destination.

“Trip Departure Date” means the date on which the Insured is originally scheduled to leave on his trip.

“Unforeseen” means not anticipated or expected and occurring after the effective date of the policy.

The following exclusions apply to Trip Cancellation and Interruption, Travel Delay, Medical Expense, and Emergency Medical Transportation coverages: Any claims arising from Pre-Existing Conditions.

THE INSURANCE DOES NOT COVER ANY LOSS CAUSED BY OR RESULTING FROM: suicide or attempted suicide while sane; intentionally self-inflicted injuries, sickness or disease except as provided for in the policy; war or any act of war whether declared or not; civil disorder; 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, motor sports or motor racing, including training or practice for the same; hernia unless resulting from a covered accident; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempted threat; skydiving, scuba or deep sea diving; snowskiing; hang gliding; parachuting; contest of speed; dental treatment except as a result of Injury to sound natural teeth (limited to emergency treatment during the trip); pregnancy or childbirth, or elective abortion, other than Complications of Pregnancy; mental, psychological or nervous disorders including anxiety, depression, neurosis or psychosis; loss or damage caused by detention, confiscation or destruction by customs; nuclear reaction, radiation or radioactive contamination; if the Trip Departure and Trip Completion Date does not reflect the Insured’s intent to start and end his/her trip on those dates; if the Insured’s tickets do not contain specific travel dates (open tickets).

The following exclusions apply to Baggage and Baggage Delay coverage:

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 a Common Carrier); household furniture; eyeglasses 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, cameras, musical instruments, radios and similar property; 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; terrorism; theft or pilferage while left unattended in any vehicle; mysterious  disappearance; lost or stolen passport, travel documents, or credit cards.

Pre-Existing Conditions

The Insurer will not pay under Trip Cancellation and Interruption, Travel Delay, Medical Expense, and Emergency Medical Transportation any claims arising from any Injury, Sickness, or other condition (including any condition from which death ensues) of the Insured, a Traveling Companion, or an Immediate Family Member which: (a) first manifest itself, worsened, became acute, or had symptoms causing a person to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) required treatment or treatment that was recommended by a physician; within the 60 day period before the Insured’s trip cancellation coverage began under this insurance plan.

If the Insured has any questions concerning this exclusion, they may call INSURE AMERICA at 1-888-826-1300 for further clarification.

MAXIMUM LIMIT OF LIABILITY: All limits are applied per trip. The Insurer’s maximum limit of liability resulting from the same occurrence will be $10,000,000

under the TGP policies. If loss for all Insureds from such an occurrence exceeds $10,000,000, the Insurer will pay each Insured that proportion of the Benefits stated which $10,000,000 bears to the total loss of all persons the Insurer insures under all travel and flight insurance in force, under the TGP policies. The Insurer will pay no more than $250,000 per occurrence, under the TGP policies, to or on account of any person insured under the TGP policies.

The policy does not provide duplicate payments, and is therefore secondary, if there are other sources of reimbursement available as follows:

THE INSURANCE PROVIDED UNDER LOSS OF BAGGAGE AND TRAVELDOCUMENTS, BAGGAGE DELAY, MEDICAL EXPENSE, AND EMERGENCY MEDICAL TRANSPORTATION SHALL BE IN EXCESS OF ALL OTHER VALID AND COLLECTIBLE INSURANCE OR INDEMNITY AND SHALL APPLY ONLY WHEN SUCH OTHER BENEFITS ARE EXHAUSTED.

Individual Insurance

Persons eligible for insurance under the policy are any traveler(s) who is a U.S. or Canadian resident who makes Enrollment for coverage and pays the Premium providing they have not already departed on their trip.

Effective Date: Trip Cancellation Benefit will be effective on the date the Premium

is paid. All other coverages will begin on the latest of: (a) the date the Premium is paid; or (b) the date and time the Insured starts his trip; or (c) the scheduled Trip Departure Date.

Termination Date: All coverage ends on the earlier of: (a) the date the trip is completed;

(b) the scheduled Trip Completion Date; (c) the Insured’s arrival at the Return Destination on a round trip, or the Destination on a one-way trip; (d) cancellation of the trip covered by the policy.

The duration of coverage shall be extended under the following conditions: (a) when the Insured commences air travel from his/her origination point within 1 day before commencement of the Land/Sea Arrangements, coverage shall apply from the time of departure from the origination point; and (b) if the Insured returns to the Insured’s origination point within 1 day after the completion of the Land/Sea Arrangements, coverage shall apply until the time of return to the origination point. The policy covers trips up to 180 days in length.

PAYMENT OF CLAIMS

Claim Procedures: Notice of Claim: The Insured must call the Insurer as soon as reasonably possible, and be prepared with what coverage the loss was under (i.e., Medical Expense), the name of the company that arranged the trip (i.e., tour operator, cruise line, or charter operator), the trip dates and the amount that the Insured paid. The Insurer will complete the claim form and send it to the Insured for his/her review/signature. The completed form should be returned to Travel Guard Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin 54481 (Telephone: 715-345-0505 or 1-800-826-7791). Insurer will then send the Insured claim forms.

Claim Procedures: Proof of Loss: The claim forms must be sent back to Insurer no more than 90 days after a covered loss occurs or ends, or as soon after that as is reasonably possible. All claims under the coverage must be submitted to Travel Guard no later than one year after the date of loss or insured occurrence or as soon as reasonably possible. If Insurer has not provided claims forms within 15 days after the notice of claim, other proofs of loss should be sent to Insurer by the date claim forms would be due. The proof of loss should include written proof of the occurrence, type and amount of loss.

Payment of Claims: When Paid: Claims will be paid as soon as the Insurer receives complete proof of loss and verification of age.

Benefits for Medical Expense/Emergency Medical Transportation Services may be payable directly to the provider of the services. However, the provider: a) must comply with the statutory provision for direct payment, and b) must not have been paid from any other sources.

Problems with your insurance? If so, do not hesitate to contact the insurance company or agent to resolve your problem at 1145 Clark Street; Stevens Point, WI 54481 or call 1-800-826-5826.

GENERAL PROVISIONS

Acts of Agents - No agent or any person or entity has authority to accept service of the required proof of loss or demand arbitration on our behalf nor to alter, modify or waive any of the provisions of the policy.

Choice of Law - The terms, conditions and provisions of the policy are governed by the substantive law of the State of Wisconsin, and all disputes hereunder shall be governed and determined by the law of the State of Wisconsin.

Concealment or Fraud - The Insurer does not provide coverage for the Insured if the Insured has intentionally concealed or misrepresented any material fact or circumstance relating to the policy or claim.

Examination Under Oath - As often as the Insurer may require, the Insured must submit to examinations under oath, and provide us with receipts, proofs of purchases or other records.

Insurer’s Recovery Rights - In the event of a payment under the policy, the Insurer is entitled to all rights of recovery that the Insured, or the person to whom payment was made, has against another. The Insured must sign and deliver to the Insurer any legal papers relating to that recovery, do whatever is necessary to help the Insurer exercise those rights, and do nothing after the loss to harm our rights. When an Insured has been paid benefits under the policy but also recovers from another policy, the amount recovered from the other policy shall be held in trust for the Insurer by the Insured and reimbursed to the Insurer the extent of the Insurer’s payment.

Legal Actions - No one may sue for benefits less than 60 days after due proof of loss is submitted, nor more than 12 months (or the minimum period of time permitted by state law, if greater) after the date claim forms are due.

Payment of Premium - Coverage is not effective unless all premium due has been paid to Travel Guard prior to a date of loss or insured occurrence.

Termination of the Policy -Termination of the policy will not affect a claim for loss that occurs while the policy is in force.

Transfer of Coverage - Coverage under the policy cannot be transferred by the Insured to anyone else without prior written consent.

Notice to Florida residents: The benefits of the policy providing your coverage are governed by the law of a state other than Florida.

Notice to Texas residents: The policy may provide a duplication of coverage already provided by your personal auto insurance, homeowner’s, personal liability policy or other source of coverage.

Notice to Washington residents: Under Trip Cancellation and Interruption, the following is also considered a covered reason for trip cancellation or trip interruption: A Terrorist Incident committed by an organized terrorist group (recognized as such by the US State Department) that results in property damage, Injury or loss of life. The incident must take place in a foreign (meaning outside the US and its territories) City in which the Insured is scheduled to arrive within the 14 days following the incident. The Insured's Tour Operator (if applicable) must not have offered a substitute itinerary. Coverage for travel to or through countries in which such a documented reported incident has occurred in the 6 months prior to purchase of the insurance is excluded. Losses resulting due to the issuance of travel advisories, bulletins or alerts; war or acts of war; civil disorder, riot or unrest; bomb scares or threats of terrorist activity; or terrorist activity against any Common Carrier (e.g., airline or cruise line) are not covered.

Blanket Travel Accident Insurance

This document describes the benefits and basic provisions of the policy. The Insured should read it with care so he/she will understand the coverage. The policy is the only contract under which benefits are paid.

Insurance Coverage

Underwritten by the American Home Assurance Company, a New York insurance company, with its principal place of business at 70 Pine Street, New York, New York 10270. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19380.

Services are payable up to the amount of coverage in the insurance policy provided by  TRAVEL GUARD® and/or INSURE AMERICA®. Failure to call TRAVEL GUARD® Assistance may invalidate any payments applicable on your claim. TGA shall not be responsible for the availability, quality or results of any medical treatment or the failure of the Insured person to obtain medical treatment. 007797-CT 5/03 ©TRAVEL GUARD® International 5/03

This is only a brief description of the insurance coverage(s) available under policy series Travel Guard Program Policies (TGP policies). The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern.

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 SeaDream Yacht Club cruise, you can purchase insurance from SeaDream Yacht Club or from the independent insurance provider, CSA. Click here to see details of the CSA Vacation Guarantee.