Travel Protection Description of Coverage

Flight Protection Plan
Domestic Destinations

Description of Coverage
Policy Number 3213-9500488
Schedule of Coverages & Services

Travel Protection Plan
POLICY NUMBER 3213-9500488
Effective December 2, 2008

For coverage purchased on or before December 1, 2008,
please call 800-453-4036 for a copy of your Description of Coverage.

The benefits in this plan are subject to certain restrictions and exclusions. This is only a brief description of the coverages available under policy series T30304NUFIC. The policy contains reductions, limitations, exclusions, and termination provisions.

Part A. Travel Arrangement Protection

Trip Cancellation/Trip Interruption

In the event You are prevented from taking or completing Your Flight because:

(a) You, a Traveling Companion, or an Immediate Family member suffers an Injury, Sickness, or death; or

(b) You or Your Traveling Companion

(i) are hijacked, quarantined, required to serve on a jury, or subpoenaed;

(ii) has a principal residence made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; or

(iii) are directly involved in a documented traffic accident while en route to departure;

(c) Default of the Travel Supplier resulting solely from the Financial Insolvency of the Travel Supplier;

(d) Inclement Weather for the occurrence of a Natural Disaster, including a hurricane, causes a complete cessation of travel and/or transportation services at Your point of departure and/or Destination for more than 48 hours

The Insurer will pay up to Total Original Flight Cost for:

Trip Cancellation

non-refundable Flight cancellation charges.

Trip Interruption

the airfare paid, less the value of applied credit from an unused return travel ticket, to return to Your city of residence or rejoin the original Trip (limited to the cost of one-way economy airfare by a scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets).

Important You, Your Traveling Companion, and Your Immediate Family member books to travel with you must be medically capable of travel on the day You purchase this coverage. The covered reason for cancellation or interruption of Your Flight must first occur after the date that Your cancellation coverage began under this plan. Financial Insolvency must occur at least seven (7) days after the Trip Cancellation coverage takes effect and does not apply to the Travel Arranger.

In no event shall the amount reimbursed for Trip Cancellation/Trip Interruption exceed Your total Flight cost.

Special Conditions: You must advise Travelocity and BerkelyCare at 1-800-453-4031 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.

Trip Delay

The Insurer will pay benefits for Covered Expense, up to $250, if Your Trip is delayed for 12 hours or more en route to or from Your land/sea arrangements due to: Inclement Weather; strike or other job action, or equipment failure of an Air 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; civil commotion or riot.

Covered Expenses include any pre-paid, nonrefundable land/sea arrangements, any reasonable additional expenses for meals and lodging, and the cost of a one-way economy airfare ticket to rejoin Your Trip or return to the place of origin shown on the travel documents. Covered Expenses do not include any coverage or reimbursements provided by an Air Common Carrier or any other party at no cost to You.

Part B. Baggage Protection

Baggage/Personal Effects

The Insurer will reimburse You, up to $250, for loss, theft, or damage to Your baggage and/or personal effects occurring during Your 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. The maximum benefit per article is $200, including: jewelry; watches; articles consisting in whole or in part of silver, gold, or platinum; furs, articles trimmed with or made mostly of fur, and cameras and their related equipment.

Baggage Delay

The Insurer will reimburse You for expenses of necessary personal effects, up to $250, if Your checked baggage is delayed or misdirected by an Air Common Carrier for more than 24 hours from the time You arrived at the destination stated on Your ticket. You must arrive at the destination stated on Your ticket and You must be a ticketed passenger on an Air Common Carrier.

Excess Insurance Provision

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

Part C. Worldwide Emergency Assistance (AIG Travel Assist, Inc.)

AIG Travel Assist, Inc. provides a 24-hour emergency telephone assistance service for Your benefit so that, in the event of an emergency during the term of this coverage, English-speaking help and advice may be furnished.

Pre-Trip Health, Safety & Weather Information:

AIG Travel Assist, Inc. can provide updated information on passport and visa requirements, vaccination information, travel advisories, or even expected weather at Your destination.

Travel Changes

AIG Travel Assist, Inc. can effect changes to Your itinerary should delays or cancellations affect Your flights or hotel reservations.

Lost Luggage Assistance

AIG Travel Assist, Inc. can provide assistance in coordination delivery or re-routing of misplaced luggage when checked with an Air Common Carrier.

Emergency Cash Transfer Assistance

If You need emergency cash during Your Trip, AIG Travel Assist, Inc. can help arrange a transfer through Your credit cards, family, friends, employer, or similar source.

Medical Consultation & Monitoring

Should You need local medical care during Your Trip, AIG Travel Assist, Inc. can assist in contacting Your personal Physician or family, if necessary, to provide information on the care Your are receiving.

Emergency Legal Assistance

During the course of Your Trip, You may visit many foreign countries. Should any problems arise requiring legal assistance, AIG Travel Assist, Inc. can help You find English-speaking local counsel.

Emergency Medical & Dental Assistance

Unexpected medical and dental emergencies can happen anywhere, anytime. You may be in unfamiliar surroundings when You suddenly need medical or dental care. AIG Travel Assist, Inc. 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 Travel Assist Inc.'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 Payments Assistance

Many foreign hospitals require immediate settlement of bills before treatment or many withhold Your passport until they receive full payment. Physicians and hospitals worldwide can contact AIG Travel Assist, Inc. to arrange, if required, immediate settlement of Covered Medical Expenses if other sources are not available.

Non-insurance services through the AIG Travel Assist, Inc. program are provided by AIG International Services.

Note that the problems of distance, information, and communications make it impossible for National Union Fire Insurance Company of Pittsburgh, PA, BerkelyCare, or AIG Travel Assist, Inc. 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.

Definitions

"Air Common Carrier"

means an air conveyance operating under a valid license for the transportation of passengers for hire.

"Business Partner"

mean an individual who is: (a) involved with You in a legal partnership; and (b)actively involved in the day-to-day management of the business.

"Common Carrier"

means any air, land, sea conveyance operated under a license for the transportation of passengers for hire.

"Default"

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

"Domestic Partner"

means a person who is at least 18 years of age and has met the following requirements for at least six (6) months: (1) resides with You; and (2) shares financial assets and obligations with You. The Insurer may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.

"Financial Insolvency"

means a Travel Supplier has ceased operations due to: filing a petition for bankruptcy; denial of credit; or inability to meet financial obligations.

"Flight"

means air tickets prepaid to Travelocity.

"Immediate Family"

means Your children, children-in-law, step-children, parents, parents-in-law, step-parents, siblings, siblings-in-law, step-siblings, grandparents, grandchildren, legal or common-law spouse (including Domestic Partner), aunts, uncles, nieces, nephews, or Business Partner, or those of Your Traveling Companion.

"Inclement Weather"

means any severe weather condition, other than a hurricane, which delays the scheduled arrival or departure of a Common Carrier.

"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.

"Insured"

means a person who: (a) is a member of an eligible class of persons as described in the Classification of Eligible Persons section of the Master Applications; (b) completes any required enrollment form; (c) for whom premium has been paid; and (d) while covered under this Policy.

"Insurer"

means National Union Fire Insurance Company of Pittsburgh, PA.

"Natural Disaster"

means flood, hurricane, tornado, earthquake or blizzard that is due to natural causes.

"Physician"

means a licensed practitioner of the healing arts 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 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.

"Travel Arranger"

means the travel agent or travel agency that: is responsible for arranging the pre-paid travel arrangements for the Insured's Trip; and is named in the Master Application.

"Travel Supplier"

means the tour operator, hotel, cruise line and/or airline that: provides the pre-paid travel arrangements for the Insured's Trip; and is named in the Master Application.

"Traveling Companion"

means one person booked to accompany You on Your Flight.

"Trip"

means air/land/sea arrangements prepaid to .

"You" or "Your"

means an Insured who has purchased a Trip through Travelocity and who has paid Travelocity the required plan cost for the coverage provided hereunder.

Exclusions

Naturally, as with any insurance program, limitations exist. These exclusions enable us to provide a broad range of benefits at an economical cost to You, without the necessity of medical questionnaires and to supplement Your existing insurance plans.

This insurance does not cover:

In part A

Any loss caused by or resulting from: sickness or disease except as provided for in the policy; war or any act of war whether declared or not; 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; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt thereat; elective surgery; elective, non-emergency dental treatment or surgery; elective abortion; normal pregnancy, unless hospitalized; mental or nervous disorders, unless hospitalized.

In part B

Any loss of 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; money and securities; tickets and documents; sporting equipment, if loss or damage results for the use thereof.

Any loss caused by or resulting from: breakage of brittle or fragile articles such as cameras, musical instruments, radios, and similar property; confiscation or expropriation by order of any government; theft or pilferage while left unattended in any vehicle; mysterious disappearance.

Term of Coverage

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. For Your convenience, the cost of the Travelocity plan can be automatically added on Your invoice and included in the total balance due. You are enrolled upon Travelocity's receipt of payment for the applicable plan cost (in addition to the required amount due for Your Flight). The Trip Cancellation protection will become effective at 12:01 a.m. local time at Your location on the date this payment is received by Travelocity and will terminate upon commencement of Your departure Flight.
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 trip and terminate on the later 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 trip is scheduled to be completed.

Claims Procedure

Policy No. 3213-9500488

Trip Cancellation Claims

Contact Travelocity and BerkelyCare IMMEDIATELY to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. You will then be forwarded the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.

Emergencies Arising During Your Trip

For covered emergencies, call AIG Travel Assist, Inc. immediately. Identify yourself by the policy number 3213-9500488 and give the details of Your problem or medical emergency.

Within the US and Canada: 1-800-543-3797 Outside the US and Canada, call collect*: 1-972-69-0200 Fax: 1-713-974-3422

* If You have any difficulty making this collect call, contact the local phone operator to connect You to a US-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.

All other claims

Report Your claim as soon as possible to BerkelyCare. Provide the above policy number, Your booking number, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, You will promptly be forwarded the appropriate claim form to complete.

Enrollment Procedure

For Your convenience, the cost of this plan can be automatically added to Your invoice and included in the total balance due. You are enrolled upon Travelocity's receipt of payment for the applicable plan cost (in addition to the required amount due for Your Flight).

Eligibility

This Flight Protection Plan is available only to U.S. (except Puerto Rico) residents.

Please Note

Payment for the plan may not be accepted after the cost of the Flight has been paid in full. The plan cost is non-refundable once cancellation coverage commences.

IN CALIFORNIA: BerkelyCare^SM is a service mark of Aon Direct Insurance Administrators, CA Insurance License #0795465.

IN ALL OTHER STATES: BerkelyCare^SM is a division of Affinity Insurance Services, Inc., in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.

For additional information regarding this plan, call the Travelocity Flight Protection Plan Help Line at 1-800-453-4031 or 1-516-342-2500.

Travel to sanctioned countries

Federal law prohibits unlicensed travel to sanctioned countries by U.S. citizens and permanent residents. Therefore, any expenses incurred or claims made related to travel to a sanctioned country are not covered under this plan, unless the insured is traveling under a liences issued by the U.S. Department of Treasury Office of Foreign Asset Control. For more information on these sanctions, please review the Office of Foreign Asset Control internet website at http://www.treas.gov/offices/enforcement/ofac/.

This plan is underwritten by National Union Fire Insurance Company of Pittsburgh, PA. National Union Fire Insurance Company of Pittsburgh, PA, a Pennsylvania insurance company, has 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. 19445.

08/08