1. a. You, a Traveling Companion, or an Immediate Family member suffers an Injury, Sickness, or death; or
2. You or Your Traveling Companion, after the effective date of coverage:
    
   • are hijacked, quarantined, required to serve on a jury, or subpoenaed;
   • have a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; or
   • are directly involved in a documented traffic accident while en route to departure;

the Insurer will pay benefits up to Your total Cruise Vacation cost for:
(a) Trip Cancellation ­

                            Non-refundable cancellation charges imposed by Carnival Cruise Lines
                            and/or airfare cancellation charges for flights joining or departing Your
                            Sea/Land Arrangements; or the additional costs You may incur as a result of 
                            a change in the per-person occupancy rate of prepaid travel arrangements if 
                            a person booked to share accommodations with You cancels his/her Cruise 
                            Vacation for a covered reason and You do not cancel.

(b) Trip Interruption ­

Unused, non-refundable sea or land expenses prepaid to Carnival Cruise Lines and/or the airfare paid, less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Sea/Land Arrangements (limited to the cost of one-way economy airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets).

The Insurer will also pay benefits, up to $100 per day, for reasonable additional accommodations and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your Cruise Vacation. 

The Trip Cancellation benefit will also apply if You are prevented from traveling because You, Your Traveling Companion, or an Immediate Family member is in the military and is called to emergency duty for a national disaster other than war.

In no event shall the amount reimbursed exceed the amount You prepaid for Your Cruise Vacation.

Special Conditions ­ You must advise Your travel agent, Carnival Cruise Lines, and BerkelyCare as soon as possible in the event of a claim. The Insurer will not pay benefits for any additional charges incurred that would not have been charged had You notified these parties as soon as reasonably possible.

Covered Expenses include any prepaid, unused, non-refundable Sea/Land Arrangements, any reasonable additional expenses for meals and lodging, and the cost of one-way economy airfare ticket to catch up to the Sea/Land Arrangements or return to the place of origin shown on the travel documents.

:Exclusions
 

Emergency Evacuation means: 

(a) Your medical condition warrants immediate Transportation from the place where You are injured or sick to the nearest hospital where appropriate medical treatment can be obtained; and/or

(b) after being treated at a local hospital, Your medical condition warrants Transportation to Your origination point to obtain further medical treatment or to recover.

Covered Expenses are customary and reasonable expenses for Transportation, medical services, and medical supplies necessarily incurred in connection with Your Emergency Evacuation. All Transportation arrangements made for Your evacuation must be by the most direct and economical route possible. Expenses for Transportation must be:

1. recommended by the attending Physician;
2. required by the standard regulations of the conveyance transporting You; AND
3. verified, arranged and approved in advance by AIG Assist,

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

Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Special Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles.

Additional Covered Expenses: If You are hospitalized for more than seven days following a covered Emergency Evacuation, the Insurer will pay: (a) to return Your accompanying dependent children under age 25 to their home, limited to the cost of one-way economy airfare, less the value of applied credit from an unused return travel ticket, with an attendant if necessary; and/or (b) up to the cost of round-trip economy airfare to bring a person chosen by You to and from Your bedside if You are alone. These expenses must be authorized in advance by AIG Assist. 

The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of Your Cruise Vacation. In no event will the benefits paid for all covered Emergency Evacuation expenses exceed the coverage limit of $30,000.

The Insurer will pay the reasonable Covered Expenses incurred, up to $30,000, to return Your body to Your point of origin if You die during Your Cruise Vacation. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and transportation.

Exclusions
 

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 which are recommended by the attending Physician. They include the services of a legally qualified Physician, surgeon, graduate nurse, dentist, 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 customary charges commonly used by providers of medical care in the locality in which the care is furnished.

The Insurer will advance payment to a hospital, up to $1,000, if needed to secure Your medically-necessary admission.

:Exclusions

PRE-EXISTING CONDITIONS
THE INSURER WILL NOT PAY UNDER COVERAGES IN PARTS A & B FOR ANY CLAIMS ARISING FROM ANY INJURY, SICKNESS, OR OTHER CONDITION (INCLUDING ANY CONDITION FROM WHICH DEATH ENSUES) AFFECTING YOU, A TRAVELING COMPANION, OR AN IMMEDIATE FAMILY MEMBER WHICH, WITHIN THE 60-DAY PERIOD BEFORE YOUR TRIP CANCELLATION COVERAGE BEGAN UNDER THIS INSURANCE PLAN: (A) FIRST MANIFESTED ITSELF, WORSENED, BECAME ACUTE, OR HAD SYMPTOMS WHICH WOULD PROMPT A REASONABLE PERSON TO SEEK DIAGNOSIS, CARE, OR TREATMENT; OR (B) REQUIRED TAKING PRESCRIBED DRUGS OR MEDICINE, UNLESS THE CONDITION FOR WHICH THE PRESCRIBED DRUG OR MEDICINE WAS TAKEN REMAINED CONTROLLED WITHOUT ANY CHANGE IN THE REQUIRED PRESCRIPTION; OR (C) REQUIRED TREATMENT OR TREATMENT WAS RECOMMENDED BY A PHYSICIAN.

PLEASE NOTE:  ALL COVERED REASONS FOR CANCELLATION OR INTERRUPTION OF YOUR CRUISE VACATION MUST FIRST OCCUR AFTER YOUR EFFECTIVE DATE OF COVERAGE.
 

CRUISE CREDITS
IF, AFTER PURCHASING THE CRUISE VACATION PROTECTION PLAN, YOU MUST CANCEL YOUR TRIP AND YOUR CLAIM IS NOT PAYABLE DUE TO THE PRE-EXISTING CONDITION LIMITATION,  CARNIVAL CRUISE LINES WILL OFFER YOU COMPENSATION IN THE FORM OF A CRUISE CREDIT.  THE CREDIT SHALL BE PROVIDED IN THE AMOUNT OF THE APPLICABLE CARNIVAL CRUISE LINES CANCELLATION PENALTY.

If you have any questions concerning this exclusion, please call BerkelyCare
at 1-(800) 331-2796 for further clarification.
 

Baggage Delay:
You will be reimbursed, up to $500, for expenses of necessary personal effects needed while at a destination other than Your place of residence if Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time You arrived at the destination stated on Your ticket. You must be a ticketed passenger on a Common Carrier.

:Exclusions

EXCESS INSURANCE PROVISION

THE INSURANCE PROVIDED UNDER PARTS A, B, & C SHALL BE IN EXCESS OF ALL OTHER VALID AND COLLECTIBLE INSURANCE OR INDEMNITY AND SHALL APPLY ONLY WHEN SUCH OTHER BENEFITS ARE EXHAUSTED

EMERGENCY CASH TRANSFER ASSISTANCE:
If You need emergency cash during Your Cruise Vacation, AIG Assist can help arrange a transfer through Your credit cards, family, friends, employer, or similar source.

MEDICAL CONSULTATION AND MONITORING:
Should You need local medical care during Your Cruise Vacation, AIG Assist can assist in contacting Your personal Physician or family, if necessary, to provide information on the care You are receiving.

EMERGENCY LEGAL ASSISTANCE:
During the course of Your Cruise Vacation, You may visit many foreign countries. Should any problems arise requiring legal assistance, AIG Assist can help You find English-speaking local counsel.

EMERGENCY MEDICAL & DENTAL ASSISTANCE:
Unexpected medical and dental emergencies can happen anywhere, anytime. You may be en route to the ship or on an excursion in unfamiliar surroundings when You suddenly need medical or dental care. AIG Assist can help You locate an English-speaking Physician or dentist or the nearest qualified medical facility, and can also assist in arranging for special emergency medical transportation, such as an air ambulance.

LOST TRAVEL DOCUMENTS ASSISTANCE:
AIG Assist’s multilingual staff can provide assistance in handling unexpected complications such as lost passports, tickets, luggage, or other valuable travel documents or belongings.

EMERGENCY MEDICAL PAYMENT ASSISTANCE:
Many foreign hospitals require immediate settlement of bills before treatment or may withhold Your passport until they receive full payment. Physicians and hospitals worldwide can contact AIG Assist to arrange, if required, immediate settlement of covered medical expenses if other sources are not available.

EMERGENCY ASSISTANCE CONTACT NUMBERS ARE PROVIDED UPON
ENROLLMENT IN THE PLAN WITH YOUR TRIP DOCUMENTS.

Note that the problems of distance, information, and communications make it impossible for National Union Fire Insurance Company, BerkelyCare, or AIG Assist to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, You are still responsible for obtaining, using, and paying for Your own required services of all types.

1. Business Partner ­ means an individual who is: (a) involved in a legal partnership; and (b) actively involved in the day-to-day management of the business.
2. Common Carrier ­ means any land, water, or air conveyance operating under a valid license for the transportation of passengers for hire except rented, leased, or privately-owned motor vehicles.
3. Cruise Vacation ­ means prepaid Sea/Land Arrangements and shall include flight connections to join and depart such Sea/Land Arrangements.
4. Immediate Family ­ means children, step- or adopted children, children-in-law, parents, step-parents, parents-in-law, legal guardian, ward, siblings, step-siblings, siblings-in-law, grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces, nephews, cousins, or Business Partner of You or Your Traveling Companion.
5. Injury ­ means bodily injury caused by an accident occurring while this plan is in force and resulting directly and independently of all other causes in loss covered by this plan. The Injury must be verified by a Physician.
6. Insurer ­ means National Union Fire Insurance Company of Pittsburgh, PA.
7. Physician ­ means a licensed practitioner of the healing arts acting within the scope of his/her license. The treating Physician may not be You, a Traveling Companion, or Immediate Family member.
8. Sea/Land Arrangements ­ means sea and/or land arrangements made by Carnival Cruise Lines.
9. Sickness ­ means an illness or disease which is diagnosed or treated by a Physician after the effective date of coverage and while You are covered under this plan.
10. Traveling Companion ­ means one person who is booked to accompany You on Your Cruise Vacation.
11. You or Your ­ means a person who has purchased a Cruise Vacation and who has paid the required plan cost for the coverage provided hereunder.

IN PART C:

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, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; musical instruments; brittle or fragile articles; money and securities; tickets and documents; sporting equipment if loss or damage results from the use thereof.

ANY LOSS CAUSED BY OR RESULTING FROM: wear and tear, 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; theft or pilferage while left unattended in any vehicle; mysterious disappearance.

 
1. This protection is valid only upon payment of the total required plan cost in advance of any losses and will not cover any losses suffered prior to purchase.
2. The Trip Cancellation coverage provided under PART A takes effect upon receipt of the required plan cost by Carnival Cruise Lines and ends upon the commencement of Your Sea/Land Arrangements.
3. The remaining coverages and services provided take effect at 12:01 A.M. local time at Your location on the contracted departure date of Your Sea/Land Arrangements and terminate on the earlier of the following: (a) Your return to Your origination point (as specified in the travel tickets); or (b) 11:59 P.M. local time at Your location on the day the Sea/Land Arrangements are scheduled to be completed.
4. The duration of coverage shall be extended under the following conditions: (a) when You commence air travel from Your origination point (i) within 2 days before the commencement of the Sea/Land Arrangements, coverage shall apply from the time of departure from the origination point; (ii) greater than 2 days before the commencement of the Sea/Land Arrangements, the extension coverage shall be provided only on the day of Your air travel; and (b) if You return to Your origination point (i) within 2 days after the completion of the Sea/land Arrangements, coverage shall apply until the time of return to the origination point; (ii) greater than 2 days after the completion of the Sea/Land Arrangements, the extension coverage shall be provided only on the day of Your air travel.
5. Eligibility:  This coverage is available to U.S. and Canadian residents only.
    

 
1. TRIP CANCELLATION CLAIMS: Call  Your travel agent, Carnival Cruise Lines, and BerkelyCare IMMEDIATELY to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.
2. EMERGENCIES ARISING DURING YOUR Cruise Vacation: For covered emergencies requiring evacuation or interruption of Your trip, call AIG Assist immediately at the numbers below. Indicate Your policy number 165-9500220 and give the details of Your problem or medical emergency.
3. CLAIMS NOTIFICATION UPON YOUR RETURN: Call, write, or e-mail BerkelyCare as soon as possible to report Your claim and receive the appropriate claim form. Provide the policy number 165-9500220, Your travel dates, and details describing the nature of Your loss.

*If You have any difficulty making this collect call, contact the local phone operator to connect You to a U.S.­based, long-distance service. In this case, please let the Assistance Provider answering the phone know the number You are calling from, so that he/she may call You back. Any charges for the call will be considered reimbursable benefits.

IMPORTANT: In order to facilitate prompt claims settlement upon Your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the accident or Sickness occurred; receipts for medical services and supplies; receipts from the hospital; police reports or claims reports from parties responsible (e.g., airline, cruise line, etc.) for loss, theft, damage, or delay; receipts for any lost or damaged items; receipts for delay expenses.

This program is administered by:

This plan is underwritten by National Union Fire Insurance Company of Pittsburgh, PA; Executive Offices: New York, New York

NOTICE TO FLORIDA RESIDENTS

Your Homeowners policy, if any, may provide coverage for loss of personal effects provided by the Baggage/Personal Effects coverage. This insurance is not required in connection with the purchase of tickets for Your Cruise Vacation.

Baggage Claims Payment ­ Claims for damage, destruction, or loss will be paid within 20 days of receipt of acceptable proof of loss.

Legal Actions ­ No legal action for a claim can be brought against the insurance company until 60 days after receipt of proof of loss, nor beyond 5 years following that date.

8/01

The information contained on this website is not an offer to sell nor a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance, or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.