Hotel Protection

Important
This program is valid only if the appropriate plan cost has been received by your travel agency. Please keep this document as your record of coverages.

Transamerica Casualty Insurance Company
Policy Number MZ0911131H0000A

Description of Coverage

Schedule: Expedia, Inc. Maximum Benefit Amount
   
Section I: Travel Insurance Benefits - Underwritten by Transamerica Casualty Insurance Company
Part A. Travel Arrangement Protection  
Trip Cancellation Up To Total Trip Cost ($3,000 maximum)
Trip Interruption Up To Total Trip Cost ($3,000 maximum)
Trip Delay $150
Part B. Baggage Protection  
Baggage Delay $150
   
Section II: Worldwide Emergency Assistance Services- Provided by On Call International
CareFreeTM Travel Assistance 24/7
Medical Assistance 24/7
Emergency Services 24/7

Section I coverages under Parts A and B are underwritten by Transamerica Casualty Insurance Company. Section II services are provided by On Call International. The benefits provided in this program are subject to certain restrictions and exclusions. Please read this brochure in its entirety for a description of all coverage terms and conditions. Note: Words beginning with capital letters are defined in this text.

 

Section I: Travel Insurance Benefits
Underwritten by Transamerica Casualty Insurance Company

Summary of Coverages

Part A. Travel Arrangement Protection
Trip Cancellation and Trip Interruption Benefits

Pre-Departure Trip Cancellation
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule for non-refundable cancellation charges imposed by the Policyholder, if you are prevented from taking your Covered Trip due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s Sickness, Injury or death or Other Covered Events as defined, that occur(s) before departure on your Covered Trip. The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip.


Pre-Departure Trip Cancellation Benefits
We will reimburse you, up to the amount in the Schedule, for the amount of prepaid, non-refundable and unused Payments or Deposits that you paid for your Trip.

Post-Departure Trip Interruption
We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s, Sickness, Injury or death or Other Covered Events as defined: 1) your arrival on your Covered Trip is delayed; or 2) you are unable to continue on your Covered Trip after you have departed on your Covered Trip. For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2) above, commence while you are on your Covered Trip and your coverage is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Covered Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Trip or to prevent you from continuing your Covered Trip.

Post-Departure Trip Interruption Benefits
We will reimburse you, less any refund paid or payable, for unused land travel arrangements plus the following: reasonable additional accommodation and transportation expenses (up to $100 per day) incurred to remain near a covered traveling Immediate Family Member or Traveling Companion who is hospitalized during your Trip.

Important: You, your Traveling Companion and/or your Immediate Family Member booked 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 Trip must occur after your effective date of Trip Cancellation coverage.

Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:

  1. being directly involved in a documented traffic accident while en route to departure;
  2. being hijacked, Quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer;
  3. having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
  4. Your involuntary termination of employment or layoff which occurs after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self- employed persons.

Trip Delay
If your Covered Trip is delayed for 6 hours or more, we will reimburse you, up to the amount shown in the Schedule for unused land travel arrangements, less any refund paid or payable and reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and local transportation while you are delayed. We will not pay benefits incurred after travel becomes possible.

Trip Delay must be caused by or result from:
1. Common Carrier delay;
2. loss or theft of your passport(s), travel documents or money;
3. being Quarantined;
4. hijacking;
5. natural disaster;
6. a documented traffic accident while you are en route to a departure;
7. unannounced strike;
8. a civil disorder.

Part B. Baggage Protection

Baggage Delay Benefit
We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed by a Common Carrier for 24 hours or more during the Covered Trip. You must be a ticketed passenger on a Common Carrier. This coverage terminates upon your arrival at the return destination of your Covered Trip.

Definitions

In the Description of Coverage, “you”, “your” and “yours” refer to the Insured. “We”, “us” and “our” refer to the company providing the coverage. In addition certain words and phrases are defined as follows:

Accident means a sudden, unexpected, unintended and external event, which causes Injury.
Actual Cash Value means purchase price less depreciation.
Baggage means luggage, personal possessions and travel documents taken by you on the Covered Trip.
Business Partner means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.
Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire.
Covered Trip means a period of travel away from Home to a destination outside your city of residence; the purpose of the trip is business or pleasure and is not to obtain health care or treatment of any kind; the trip has defined departure and return dates specified when the Insured enrolls; travel is primarily by “common carrier” and only incidentally by private conveyance; and the trip does not exceed 31 consecutive days in length.
Domestic Partner means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.
Elective Treatment and Procedures means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.
Home means your primary or secondary residence.
Immediate Family Member includes your or the Traveling Companion’s spouse, child, spouse’s child, son-daughter-in-law, parent(s), sibling(s), grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster-child, or ward.
Injury means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
Insured means an eligible person who arranges a Covered Trip and pays any required plan payment.
Insurer means Transamerica Casualty Insurance Company.
Payments or Deposits means the cash, check, or credit card amounts actually paid to the Policyholder for your Covered Vacation.
Physician means a person licensed as a medical doctor by the jurisdiction in which he/she is a resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.
Policy means the contract issued to the Policyholder providing the benefits specified herein.
Policyholder means the legal entity in whose name this Policy is issued, as shown on the benefit Schedule.
Quarantined means the isolation of a person afflicted with or exposed to a communicable disease, the purpose being to prevent the spread of disease.
Schedule means the benefit schedule shown on the Description of Coverage for each Insured.
Scheduled Departure Date means the date on which you are originally scheduled to leave on your Covered Trip.
Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered Trip started or to a different final destination.
Scheduled Trip Departure City means the city where the scheduled trip on which you are to participate originates.
Sickness means an illness or disease of the body which:
1) requires examination and treatment by a Physician, and 2) commences while the plan is in effect.
Traveling Companion means one person whose name appears with you on the same Flight arrangement and who, during the Flight, will accompany you.
Trip means a scheduled trip for which coverage has been elected and the plan payment made, and all travel arrangements are arranged by the Policyholder prior to the Scheduled Departure Date of the trip.

General Plan Exclusions


In Part A:
We will not pay for any loss caused by or incurred resulting from:
  1. mental, nervous, or psychological disorders, except if hospitalized;
  2. being under the influence of drugs or intoxicants, unless prescribed by a Physician;
  3. normal pregnancy, except if hospitalized; or elective abortion;
  4. declared or undeclared war, or any act of war;
  5. service in the armed forces of any country;
  6. operating or learning to operate any aircraft, as pilot or crew;
  7. any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
  8. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
  9. Elective Treatment and Procedures;
  10. medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;
  11. business, contractual or educational obligations of you, an Immediate Family Member or Traveling Companion;
  12. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
  13. a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

In Part B:
We will not pay for damage to or loss of:
    1. a loss or damage caused by detention, confiscation or destruction by customs;
    2. animals;
    3. property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
    4. artificlal limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses;
    5. documents or tickets, except for administrative fees required to reissue tickets;
    6. money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards;
    7. property shipped as freight or shipped prior to the Scheduled Departure Date.

    Losses Not Covered
    We will not pay for loss arising from:

    1. theft or pilferage from an unattended vehicle;
    2. mysterious disappearance.

    Term of Coverage

    When Coverage Begins
    All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of: 1) the date the plan payment has been received by the Policyholder; 2) the date and time you start your Covered Trip; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered Trip. Pre-Departure Trip Cancellation coverage will take effect on the day your plan payment is received by the Policyholder. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date if the required plan payment is received.

    When Coverage Ends
    Your coverage automatically ends on the earlier of:

    1. the date the Covered Trip is completed;
    2. the Scheduled Return Date;
    3. your arrival at the return destination on a round-trip, or the destination on a one-way trip;
    4. cancellation of the Covered Trip covered by the plan.

    Claims Procedure

    1. Emergencies Arising During Your Covered Trip: Please refer to Worldwide Emergency Assistance.
    2. Trip Cancellation Claims: Contact the Policyholder and Aon Affinity IMMEDIATELY to notify them of your cancellation and to avoid any non-covered expenses due to late reporting. Aon Affinity will then forward the appropriate claim form which must be completed by you AND THE ATTENDING PHYSICIAN, if applicable. If you are cancelling due to a death, a death certificate will be required.
    3. All Other Claims: Report your claim as soon as possible to Aon Affinity. Provide the policy number, your travel dates, and details describing the nature of your loss. Upon receipt of this information, Aon Affinity will promptly forward you the appropriate claim form to complete. If you are interrupting due to a death, a death certificate will be required.


    Online: www.aontripclaim.com
    Phone: 1-800-274-5469 or 1-516-342-2720
    Mail: Aon Affinity
    900 Stewart Avenue
    Garden City, NY 11530
    Office Hours: 8:00 AM - 10:00 PM ET, Monday - Friday;
    9:00 AM - 5:00 PM ET, Saturday


    Important: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable:

    Your duties in the event of a baggage claim:
    Verification by the Common Carrier who must certify the delay or misdirection, including dates of loss and return. Note that receipts for any additional covered expenses will be required, as well as verification of any delay.

    Enrollment Procedure

    Simply select the Hotel Total Protection Plan option when booking your Trip. You are enrolled upon the Policyholder’s receipt of payment for the applicable plan cost (in addition to the amount due for your Trip). Please note: Payment for the plan may not be accepted after the Trip Cost has been paid in full.

    This plan was designed and is administered by Aon Affinity.

    Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. As an MGA we are acting on behalf of our carrier partner.


    For additional information regarding the plan,
    call 1-800-274-5469 or 1-516-342-2720
    or email: travelcoverage@aon.com
    Office hours: 8 AM – 10 PM ET, Monday – Friday,
    9 AM – 5 PM ET, Saturday

    General Provisions

    Our Right To Recover From Others
    We have the right to recover any payments we have made from anyone who may be responsible for the loss. You and anyone else we insure must sign any papers and do whatever is necessary to transfer this right to us. You and anyone else we insure will do nothing after the loss to affect our right.

    Claims Provisions

    Payment of Claims
     Claims for benefits provided by the plan will be paid as soon as written proof is received.

    Benefits for loss of life will be paid to your estate, or if no estate, to your beneficiary. All other benefits are paid directly to you, unless otherwise directed. Any accrued benefits unpaid at your death will be paid to your estate, or if no estate, to your beneficiary. If you have assigned your benefits, we will honor the assignment if a signed copy has been filed with us. We are not responsible for the validity of any assignment.

    Travel Insurance is underwritten by Transamerica Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, HI, NE, NH, PA, TN and TX Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OH, OR, VT, WA and WY Policy Form #’s TAHC5100IPS and TAHC5200IPS. Certain coverages are under series TAHC6000 and TAHC7000.

    This is a brief Description of Coverage which outlines benefits and amounts of coverage that may be available to you. If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA or WY), your Policy is provided on an individual form. To obtain a copy of your Individual Policy or Group Certificate for all states based on your state of residence, or information regarding the insurance premium portion of your plan cost, visit http://www.affinitytravelcert.com or call 1-800-453-4090. Your Individual Policy or Group Certificate will govern the final interpretation of any provision or claim. For California residents only, Aon Affinity’s CA Agency License # is 0G94493 and the toll free consumer hotline for the California Insurance Department is 1-800-927-7357. For Maryland residents only, to file a complaint with the Maryland Department of Insurance, call 1-800-492-6116 or visit www.mdinsurance.state.md.us. For New York residents only, the licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, the producer’s expenses, or volume of business. The purchaser may request and obtain information about the producer’s compensation except as otherwise provided by law.

    This plan provides cancellation coverage for your trip and other insurance coverages that apply only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. Unless individually licensed as an insurance agent, your travel agent is not qualified or authorized to answer your technical questions about the benefits, exclusions or conditions of this plan or to evaluate the adequacy of any existing insurance coverage you may have. Questions should be directed to the plan administrator at the toll-free number provided.

    Ten Day Right To Examine
    If you are not satisfied for any reason, you may cancel your coverage within 10 days of your receipt of this document. Your premium will be refunded, provided there has been no incurred covered expense and you have not departed on your Covered Trip. When so returned, the coverage is void from the beginning. Request a refund in writing by providing your contact information as well as copy of your plan description to our authorized agent, Aon Affinity, 900 Stewart Avenue Garden City, NY 11530.

    Any payments under the policy will only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department's Office of Foreign Assets Control ("OFAC"). Therefore, any expenses incurred or claims made involving travel that is in violation of such sanctions, laws and regulations will not be covered under the policy. For more information, you may consult the OFAC internet website at http://www.treasury.gov/resource-center/sanctions/ or an Aon Affinity representative.

     

    1/2016
    1362440

    Section II: Worldwide Emergency Assistance Services
    Provided by On Call International

    Worldwide Emergency Assistance (On Call International)
    Not a care in the world… when you have our 24/7 global network to assist you

    • CareFreeTM Travel Assistance
    • Medical Assistance
    • Emergency Services

    CarefreeTM Travel Assistance
    Travel Arrangements
    • Arrangements for last-minute flight and hotel changes
    • Luggage Locator (reporting/tracking of lost, stolen or delayed baggage)
    • Hotel finder and reservations
    • Airport transportation
    • Rental car reservations and automobile return
    • Coordination of travel for visitors to bedside
    • Return travel for dependent/minor children
    • Assistance locating the nearest embassy or consulate
    • Cash transfers
    • Assistance with bail bonds

    Pre-trip Information
    • Destination guides (hotels, restaurant, etc.)
    • Passport requirements
    • Currency exchange
    • Health and safety advisories

    Documents and Communication
    • Assistance with lost travel documents or passports
    • Live email and phone messaging to family and friends
    • Emergency message relay service
    • Multilingual translation and interpretation services

    Medical Assistance and Managed Care
    • Medical case management, consultation and monitoring
    • Medical Transportation
    • Dispatch of a doctor or specialist
    • Referrals to local medical and dental service providers
    • Worldwide medical information, up-to-the-minute travel medical, and immunization requirements
    • Prescription drug replacement
    • Replacement of eyeglasses, contact lenses and dental appliances

    Emergency Services
    • Emergency medical and dental assistance
    • Emergency legal assistance
    • Emergency family travel arrangements

      CareFreeTM Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-855-258-5784 or, from outside the U.S. or Canada, call collect*: 1-603-952-2039.

    * 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.

    Note that the problems of distance, information, and communications make it impossible for Transamerica Casualty Insurance Company, Aon Affinity, the Policyholder, or On Call International 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.