Trip Cancellation/Trip Interruption

In the event You are prevented from taking Your Trip because: (a) You or Your Traveling Companion suffers a death or an Injury or Sickness which results in medically imposed restrictions, as certified by a Physician, at the time of loss preventing Your continued participation in the covered Trip, or a non-traveling Immediate Family member suffers an Injury, Sickness, or death; or (b) You or Your Traveling Companion (i) is hijacked, quarantined, required to serve on a jury, or subpoenaed; (ii) has a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; or (iii) is directly involved in a documented traffic accident while en route to departure; (iv) are delayed or have arrangements cancelled by a Common Carrier due to delays resulting from inclement weather, mechanical breakdown, or organized labor strikes that affect public transportation, provided (a) the scheduled carrier connecting times must be no less than ninety (90) minutes or longer; and (b) the scheduled time between arrival at the Scheduled Tour Departure City and the scheduled Trip departure must be four (4) hours or longer; (vi) being called into active military service to provide aid or relief in the event of a natural disaster; or (vii) has a transfer of employment of 250 miles or more; the Insurer will pay benefits up to Your total Trip cost for:

a) Trip Cancellation – non-refundable cancellation charges imposed by Insight Vacations; 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 Traveling Companion cancels his/her Trip for a covered reason and You do not cancel.

b) Trip Interruption – unused, non-refundable land or sea expenses prepaid to Insight Vacations and/or the airfare paid, less the value of applied credit from an unused return travel ticket, 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).  Important:  The Sickness or Injury causing You to interrupt Your Trip must be verified by a Physician before You terminate the Trip.

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

Special Conditions: You must advise Insight Vacations 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.

IMPORTANT:  You must be medically capable of travel on the day You purchase this coverage.  The event which necessitated the trip cancellation/interruption must occur after Your effective date of Trip Cancellation coverage.  Benefits will not be paid for expenses not refunded in the event of the Travel Supplier’s or Insight Vacations’ insolvency.

Trip Delay

The Insurer will pay benefits for Covered Expenses, up to $1,000 CAD ($100 CAD per day), if Your flight en route to or from Your Land/Sea Arrangements is delayed for 12 hours or more due to inclement weather, strike or other job action, or equipment failure of a Common Carrier; a traffic accident en route to a departure in which You or Your Traveling Companion is not directly involved; lost or stolen passports, travel documents, or money; quarantine; hijacking; natural disaster including hurricane; civil commotion or riot; Sickness, Injury, or death of You, Your Traveling Companion, or an Immediate Family Member traveling with You. 

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

	PART B:  MEDICAL PROTECTION

Emergency Evacuation and Repatriation of Remains

The Insurer will pay benefits for Covered Expenses up to $15,000 CAD if an Injury or Sickness commencing during the course of the 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.  Emergency Evacuations must be verified, approved, and arranged in advance by On Call International.  The Insurer will also pay Repatriation of Remains benefits for Transportation to return Your body to Your point of origin in the event of Your death during Your Trip.  The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Trip.

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, up to $15,000 CAD, for Transportation, medical services, and medical supplies necessarily incurred in connection with Your Emergency Evacuation.  Expenses for medical services and supplies must be recommended by the attending Physician.  All Transportation arrangements made for Your 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 You; AND  

(c) verified, approved, and arranged in advance by On Call International.

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 (7) days following a covered Emergency Evacuation, the Insurer will pay: (a) to return Your accompanying dependent children under 18 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 traveling alone.  These expenses must be authorized in advance by On Call International.

The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Trip.

Repatriation of Remains means the cost, according to airline tariffs, of the shipment of Your deceased body to Your point of origin if You die during the Trip.  Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation.

PLEASE NOTE:  In no event will Covered Expenses for Emergency Evacuation and Repatriation of Remains exceed $15,000 CAD.

Accident & Sickness Medical Expense

The Insurer will pay benefits, up to $1,000,000 CAD*, if You incur necessary Covered Medical and Dental Expenses as a result of an Injury, or up to $1,000,000 CAD* if You incur necessary Covered Medical and Dental Expenses as a result of Sickness.  The accident causing such Injury must occur while You are covered under the policy, and the Sickness must first manifest itself during Your Trip.  You must receive initial treatment within ninety (90) days of the accident which caused the Injury or the onset of the Sickness.  All services, supplies, or treatment must be received within 52 weeks of the date of the accident or the onset of the Sickness.  Only dental expenses incurred during Your Trip are covered.

* Note:  The Accident & Sickness Medical Expense benefits of this plan are subject to a maximum benefit limit of $15,000 CAD for those persons who, at the time of a covered Injury or Sickness, do not have valid hospital and medical insurance under a Government Health Insurance Plan of a province or territory of Canada.

Covered Medical and Dental Expenses are necessary services and supplies which are recommended by the attending Physician or dentist.  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.

Important:  Medical Expense benefits are subject to the Pre-Existing Condition limitation detailed below and other Exclusions.

PRE-EXISTING CONDITIONS

The Insurer will not pay under coverages in Parts A & B (EXCEPT EMERGENCY EVACUATION AND REPATRIATION OF REMAINS) for any claims arising from any Injury, Sickness, or other condition (INCLUDING ANY FROM WHICH DEATH ENSUES) affecting You, a Traveling Companion, or an Immediate Family member booked to travel with You which, WITHIN THE 90-day period before Your coverage began under this PROTECTION plan: (A) first manifested itself or had symptoms which would prompt a reasonable person to seek diagnosis, care, or treatment; (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.

important:  We will WAIVE this Pre-Existing Condition exclusion if You make payment for this coverage within two (2) days of the date Your deposit or initial Trip payment is received by Insight Vacations, provided that You are medically capable of travel on the day You purchase this coverage.  Note:  Satisfaction of this prerequisite will be verified during claim processing.

If You have any questions concerning this exclusion, please call BerkelyCare at 1-(866) 808-7161 for clarification.

Baggage/Personal Effects

The Insurer will reimburse You, up to $2,500 CAD, for loss, theft, or damage to baggage and personal effects.  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.  The maximum benefit per article is $250 CAD.  There will be a combined maximum of $500 CAD for the following:  jewelry; watches; articles consisting in whole or in part of silver, gold, or platinum; furs, articles trimmed with or made mostly of fur; and lost cameras and their related equipment.

Baggage Delay

You will be reimbursed for expenses of necessary personal effects, up to $250 CAD, 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.

EXCESS COVERAGE 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 ONLY WHEN SUCH OTHER BENEFITS ARE EXHAUSTED.

Accidental Death & Dismemberment

If You sustain an Injury while on the Trip which results in a loss of life, actual severance of limb, or entire and irrecoverable loss of eyesight, speech, or hearing within 365 days of the date of the accident, the Insurer will pay the largest applicable amount as follows:  the benefit amount shown in the Schedule of Coverages for death, loss of speech and hearing in both ears, or loss of any combination of two hands, feet, or eyes; one-half the benefit amount for loss of anyone of these; and one-quarter the benefit amount for loss of thumb and index finger of the same hand.  In no event will the Insurer pay more than the maximum benefit amount shown on the Schedule of Coverages for all losses due to the same accident. The Air Common Carrier benefit applies only to Injury sustained by You while in, on, boarding, or alighting from an air conveyance organized and licensed for the transportation of passengers for hire; or after being struck or run down by an aircraft.

Beneficiary:  Your estate, unless notice of a designated beneficiary is provided to BerkelyCare.

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