PLAN DESCRIPTION

Policy Number: HTP05224

Tuition & Travel Insurance Plan

Part A - TRAVEL PROTECTION

Trip Cancellation/Trip Interruption

In the event You are prevented from or continuing Your Trip due to : a) accidental Injury, Sickness, or death of Yourself, an Immediate Family Member or a Traveling Companion, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the covered Trip; b) You or Your Traveling Companion is hijacked, quarantined, required to serve on a jury, or subpoenaed; c) You or Your Traveling Companion has a home that is made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster; (d) is directly involved in a documented traffic accident while en route to departure, the Insurer will pay benefits up to the maximum listed in the Schedule of Coverages for:

Trip Cancellation: non-refundable cancellation charges imposed by LeadAmerica for Your Land/Sea Arrangementsand/or airfare cancellation charges for flights joining or departing Your Land/Sea 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 Trip for a covered reason and You do not cancel.

Special Conditions: In the event of a claim, You must advise LeadAmerica and the Claims Administrator as soon as possible. The Insurer will not pay benefits for any additional charges incurred that would not have been charged had You notified LeadAmerica and the Claims Administrator as soon as reasonably possible.

Trip Interruption: unused, non-refundable land or sea expenses prepaid to LeadAmerica and/or the airfare paid, to return home or rejoin the original Land/Sea 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) less the value of applied credit from an unused return travel ticket.

In no event shall the amount reimbursed exceed the lesser of; the amount You pre-paid for Your Trip, or the maximum benefit shown on the Schedule of Coverages.

Trip Delay: Travel Delay coverage will be on a one time basis for reasonable, additional accommodations and traveling expenses incurred by You due to travel delay of 12 or more hours up to the maximum amount listed in the Schedule of Coverages.

Covered reasons for travel delay are: Carrier caused delay (including bad weather); You or Your Traveling Companion being delayed by, but not directly involved in, a traffic accident while en route to a departure; lost or stolen passports, money, or travel documents; quarantine; hijacking, unannounced strike, natural disaster; and civil commotion or riot.

Part B - BAGGAGE PROTECTION

Baggage/Personal Effects

The Insurer will reimburse You up to the maximum shown on the Schedule of Coverages for loss, theft, or damage to baggage and personal effects. The Insurer will pay the lesser of the following: actual cash value at the time of the loss, less depreciation as determined by the Insurer, or the cost of repair or replacement. Per article, there is a limit of $200. There will also be a combined maximum limit of $400 for the following: jewelry; watches and cameras including related equipment; articles consisting in whole or in part of silver, gold, or platinum; furs and articles trimmed with or made mostly of fur.

Baggage Delay (Outward Journey Only)

The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverages, if Your checked baggage is delayed or misdirected by Common Carrier for more than 24 hours from the time You arrive at the destination stated on the ticket, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.

EXTENSION OF COVERAGE

If You have checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

Part C - MEDICAL PROTECTION

Accident and Sickness Medical Expense

The Insurer will pay benefits, up to the maximum shown on the Schedule of Coverages, if as the result of an Injury or Sickness while on Your Trip, You incur, within one year of the date of the accident or onset of the Sickness, necessary Covered Medical Expenses, provided You received initial treatment within 90 days of the date of the accident or the onset of Sickness.

Covered Medical Expenses are necessary services and supplies which are recommended by the attending Physician. They include the services of a legally qualified Physician; 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, prosthetics 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.

Emergency Evacuation:  The Insurer will pay benefits for Covered Expenses up to the maximum shown on the Schedule of Coverages if an Injury or Sickness commencing during the course of the covered Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of Your Injury or Sickness warrants an Emergency Evacuation.

Evacuation means:

1. 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;

2. After being treated at a local hospital, Your medical condition warrants transportation to the United States, where You reside, to obtain further medical treatment or to recover;

3. All of the above.

Covered Expenses are reasonable and customary expenses, up to the maximum, for necessary transportation, medical services, and medical supplies 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 Your Emergency Evacuation must be:

1. Recommended by the attending Physician;

2. Required by the standard regulations of the conveyance transporting You;

3. Verified and approved in advance by On Call International

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. 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 You or already included in the cost of the scheduled Trip.  

All transportation must be authorized and arranged by On Call International.

To access Emergency Assistance, call    

On Call International operation center at:

1 - 800 - 494 - 9907

or call collect:

1 - 603 -898 -8752

Repatriation of Remains:  The Insurer will pay reasonable Covered Expenses incurred to return Your body to the United States if You die during the covered Trip. This will not exceed the maximum shown on the Schedule of Coverages. Covered Expenses include, but are not limited to, expenses for embalming, cremation, minimally necessary coffins for transport, and transportation.

Excess Insurance Provision

The coverage provided under Parts A, B, and C shall be in excess of all other valid and collectible insurance or indemnity and shall apply when such other benefits are exhausted.

Part D - TRAVEL ACCIDENT PROTECTION

Accidental Death & Dismemberment - 24 Hour

If Injury to You results in any of the following losses within 180 days of the date of the accident, the Insurer will pay the largest applicable amount as follows:  

The full benefit is paid for loss of life, both hands or feet, sight of both eyes, speech and hearing in both ears, one hand and one foot, either hand or foot and sight of one eye. One half the benefit amount is paid for loss of either hand or foot, sight of one eye; speech; hearing in both ears. One fourth of the benefit amount is paid for thumb and index finger of the same hand.

In no event will the Insurer pay more than the maximum amount shown on the Schedule of Coverages for all losses due to the same accident.

Loss with regard to hand or foot, means actual complete severance through and above the wrist or ankle joints; eye means an entire and irrecoverable loss of sight; speech or hearing means entire and irrecoverable loss of speech or hearing of both ears; and thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

DEFINITIONS

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

"Economy Airfare" - means the lowest published rate for a one-way ticket.

"Immediate Family Member" - means any children, adopted children, stepchildren, children-in-law, parents, stepparents, parents-in-law, siblings, siblings-in-law, grandparents, grandchildren, legal spouse, aunts, uncles, nieces, and nephews of You or Your Traveling Companion who reside in the United States of America.

"Injury" - means bodily injury caused by an accident occurring while this policy is in force, and resulting directly and independently of all other causes in loss covered by the policy. The Injury must be verified by a Physician.

"Land/Sea Arrangements" - means land and/or sea arrangements made by LeadAmerica.

"Physician" - means a licensed practitioner of medical, surgical or dental services acting within the scope of his/her license. The treating Physician may not be Yourself, a Traveling Companion, or an Immediate Family Member.

"Sickness" - means illness or disease which is diagnosed and treated by a Physician on or after the effective date of the protection plan and while You are covered under this policy.  

"The Insurer" - means Virginia Surety Company, Inc.

"Traveling Companion" - means a person who is sharing travel arrangements with You (to a maximum of four persons including You).

"Trip" - means prepaid Land/Sea Arrangements and shall include flight connections to join and depart such Land/Sea Arrangements, provided such flight connections are scheduled to commence within one (1) week of the Land/Sea Arrangements.

"You or Your" - means a person who has purchased a Trip and who has paid the required plan cost for the protection plan provided herein.

WORLDWIDE EMERGENCY ASSISTANCE SERVICES

On Call International Worldwide Emergency Assistance

A 24-hour emergency telephone assistance service is available for Your benefit so that, in the event of an emergency while on the Trip, English speaking help and advice may be furnished to You.

PART I - TRAVELER'S ASSISTANCE

On Call International multilingual staff can assist You in solving a variety of unexpected complications during the Trip such as lost tickets or belongings. If necessary, On Call International may also help locate legal counsel. Pre-Trip information such as cultural, visa requirements and exchange rates can also be provided.

PART II - MEDICAL ASSISTANCE

If a medical emergency arises during travel, On Call International may help You find local medical care. Physicians and hospitals worldwide can contact On Call

International to confirm coverage and, if required, help You arrange immediate settlement of medical expenses resulting from an Injury during the covered Trip. On Call International will coordinate emergency medical situations, with Your home Physician and arrange Emergency Evacuation services.

PART III - EMERGENCY CASH TRANSFER

On Call International can help arrange a fund transfer through Your credit cards, family, friends, employer or similar source if You need cash while on the Trip.

NOTE: Problems of distance, information and communication make it impossible for Virginia Surety Company, Inc., LeadAmerica, On Call International, or BerkelyCare, Ltd. to assume any responsibility for the availability, quality, use or result of any emergency service. In all cases, You are still responsible for obtaining, using and paying for Your own required services of all types.

CLAIMS PROCEDURE

To facilitate prompt claims settlement:

TRIP CANCELLATION CLAIMS:  IMMEDIATELY Call LeadAmerica and the Claims Administrator to report Your cancellation and avoid non-covered expenses due to late reporting. The Claims Administrator will then advise You on how to obtain the appropriate form to be completed by You and the attending Physician.

INTERRUPTION: Obtain medical statements from the doctors in attendance in the country where Sickness or accident occurred. These statements should give complete diagnosis, stating that the Sickness or accident prevented traveling on dates contracted. Provide all unused transportation tickets, official receipts, etc.

TRIP DELAY CLAIMS:  Obtain receipts for any additional expenses (i.e.: meals/lodging, etc) and submit with written documentation from the source which caused the delay for verification (i.e.: Common Carrier, police report for traffic accident, etc.).

MEDICAL EXPENSES: Obtain receipts from the providers of service, etc., stating the amount paid and listing the diagnosis and treatment; submit these first to other medical plans. Provide a copy of their final disposition of Your claim.

BAGGAGE: In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, Tour guide or representative, transportation official, or local police; report occurrence and obtain a written statement. Submit claim first to party responsible; i.e., airline, hotel, etc. Provide a copy of the outcome of Your claim, along with the written loss statements, receipts, etc.

TO OBTAIN CLAIM FORMS AND ANY ADDITIONAL INFORMATION ON HOW TO REPORT A CLAIM, CALL OR WRITE THE PLAN ADMINISTRATOR AND

REFER TO POLICY: HTP05224

WHAT IS NOT COVERED

The following exclusions apply to Parts A,C and D. This plan does not cover any loss caused by or resulting from:

•  Pre-Existing Conditions (Except Emergency Evacuation & Repatriation of Remains);

•  Suicide or attempted suicide;

•  Intentionally self-inflicted injuries;

•  War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not) civil war;

•  Participation in any military maneuver or training exercise;

•  Piloting or learning to pilot or acting as a member of the crew of any aircraft;

•  Mental or emotional disorders, unless hospitalized;

•  Participation as a professional in athletics or underwater activities;

•  Being under the influence of drugs or intoxicants unless prescribed by a Physician;

•  Commission or the attempt to commit a criminal act;

•  Participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race; bungee cord jumping; and speed contest;

•  Dental treatment except as a result of accidental Injury to sound, natural teeth within twelve (12) months of the accidental Injury;

•  Any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;

•  Pregnancy and childbirth (except for complications of pregnancy); and

•  Curtailment or delayed return for other than covered reasons.

The following exclusions apply to Baggage/Personal Effects Coverage only in Part B:

ANY LOSS OR DAMAGE TO: animals; automobiles and their equipment; boats; trailers, motors; motorcycles; other conveyances and their equipment (except bicycles while checked as baggage with a Common Carrier); household effects and furnishings; sporting equipment if loss or damage result from the use thereof; antiques and collectors items; eyeglasses, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; keys, money, securities and documents; tickets; credit cards; professional or occupational equipment or property; and personal computers.

ANY LOSS CAUSED BY OR RESULTING FROM :

Breakage of brittle or fragile articles; 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; property illegally acquired, kept, stored or transported; insurrection or rebellion; imprudent action or omission; and property shipped as freight or shipped prior to the scheduled departure date.

TERM OF COVERAGE

•  The Trip Cancellation Benefit takes effect upon receipt of the appropriate Passenger Protection Program cost by LeadAmerica.

•  All other coverages take effect at 12:01 a.m. local time at Your location on the departure date of Your Trip.

•  All coverages shall terminate on the earlier of the following dates: (a) Your return to the origination point as specified in the travel tickets; (b) 11:59 p.m. local time at Your location on the date Your Trip is completed, (c) The date You cancel Your Trip.

•  If You extend the return dates, all coverages will terminate at 11:59 p.m. local time at Your location on the date originally scheduled for the return date.

Protection Plan fees are non-refundable

BENEFICIARY

Your estate, unless written notice of a designated beneficiary is provided to the Plan Administrator.

HOW TO REPORT A CLAIM

FOR PLAN INQUIRIES OR INFORMATION ON FILING A CLAIM PLEASE CONTACT THE PLAN ADMINISTRATOR AT:

BerkelyCare

300 Jericho Quadrangle

P.O. Box 9022

Jericho, NY 11753

1 - 800 - 453 - 4067

or call collect:

1 - 516 - 294 - 6952

Mon - Fri   9:00 am - 5:00 pm (EST)

Claims are administered by BerkelyCare, a division of Affinity Insurance Services, Inc., in all states except: Aon Direct Insurance Administrators in CA; AIS Affinity Insurance Agency, Inc., in OK; and AIS Affinity

Insurance Agency in NH and NY. CA License #0795465.

IMPORTANT NOTICE: Payments for the plan will not be accepted after Your total tour cost has been paid in full.

This Plan, under Policy HTP05224 is underwritten by: Virginia Surety Company, Inc., 1000 Milwaukee Drive, Glenview, IL. 60025.

Policy terms and conditions are briefly outlined in this Description of Coverage Complete provisions pertaining to this protection plan are contained in the Master Policy on file with the trustee, Marine Bank Springfield and LeadAmerica. In the event of any conflict between this Description of Coverage and the Master Policy, the Policy will govern.

Back to Top