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Eurofly
Travel Protection Plan Benefits |
Pre-Departure Trip Cancellation
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Up To Air Ticket Cost |
Post-Departure Trip
Interruption
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Return Air Flight Cost |
Travel Delay (12 Hours or More) |
Up to $100 |
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ON CALL 24-Hour
Assistance Service |
Included |
Accidental Death and
Dismemberment (Air Flight Only) |
$25,000 |
Baggage Delay (24 Hours or More) |
$100 |
Who is eligible for coverage
A person who has arranged to take a Trip,
and pays the required premium, and is a citizen or resident of
the United States of America or Canada.
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 premium has been received
by Eurofly; 2) the date and time you start your Trip;
or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date
of your Trip.
Pre-Departure Trip Cancellation coverage will take effect on the date
your premium is received by Eurofly.
Post-Departure Trip Interruption coverage will take effect on the Scheduled
Departure Date of your Trip if the required premium payment is received.
When coverage ends
Your coverage automatically ends on the
earlier of: 1) the date the 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
Trip covered by the Policy.
Termination of the policy will not affect a claim for loss that occurs
after premium has been paid.
All coverages under the policy will be extended if your entire Trip is
covered by the policy and your return is delayed by unavoidable circumstances
beyond your control. If coverage is extended for the above reasons, coverage
will end on the earlier of the date you reach your originally scheduled
return destination or seven (7) days after the Scheduled Return Date.
Summary of Coverages
Pre-Departure Trip Cancellation
We will pay a Pre-Departure Trip Cancellation
Benefit, up to the amount in the Schedule, if you are prevented
from taking your Trip due to your, an Immediate Family Member’s,
Traveling Companion’s, or Business Partner’s Sickness,
Injury, or death, that occurs before departure on your Trip.
The Sickness or Injury must: a) commence while your coverage
is in effect under the policy; b) require the examination and
treatment by a Physician at the time the Trip is canceled;
and c) in the written opinion of the treating Physician, be
so disabling as to prevent you from taking your Trip.
We will pay a benefit if you are prevented from taking your Trip due
to Other Covered Events, as defined, that occur before departure on your
Trip.
Pre-Departure
Trip Cancellation Benefits: We will reimburse you, up
to the amount in the Schedule for the amount of prepaid, forfeited,
non-refundable Payments or Deposits that you paid for your
Trip.
Please refer to the Policy Definitions
for an explanation of Pre-Existing Conditions which are excluded
under the Pre-Departure Trip Cancellation Coverage.
Post-Departure Trip Interruption
We will pay a Post-Departure Trip Interruption Benefit, up to the amount
in the Schedule, if: 1) your arrival on your Trip is delayed beyond the
Scheduled Departure Date or 2) you are unable to continue on your Trip
after you have departed on your Trip due to your, an Immediate Family
Member’s, Traveling Companion’s, or Business Partner’s
Sickness, Injury, or death.
For item 1) above, the Sickness or Injury must: a) commence while your
coverage is in effect under the policy; b) for item 2) above, commence
while you are on your Trip and your coverage is in effect under the policy;
and c) for both items 1) and 2) above, require the examination and treatment
by a Physician at the time the 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 Trip or to prevent you from continuing
your Trip.
We will pay a benefit if: 1) your arrival on your Trip is delayed beyond
the Scheduled Departure Date or 2) you are unable to continue on your
Trip after you have departed on your Trip due to Other Covered Events,
as defined.
Post-Departure Trip Interruption Benefits: We
will reimburse you, less any refund paid or payable, for one of
the following:
(1) the additional transportation expenses by the most direct route from
the point you interrupted your Trip:
a) to the next scheduled destination
where you can catch up to your Trip; or
b) to the final destination of your Trip; or
(2) the additional transportation expenses
incurred by you by the most direct route to reach your original
Trip destination if you are delayed and leave after the Scheduled
Departure Date.
However, the benefit payable under (1) and (2) above will not exceed
the cost of a one-way economy air fare (or first class, if the original
tickets were first class) by the most direct route less any refunds paid
or payable for your unused original tickets.
Please refer to the Policy Definitions
for an explanation of Pre-Existing Conditions which are excluded
under the Post-Departure Trip Interruption Coverage.
Travel Delay
If your Trip is delayed for 12 hours
or more, we will reimburse you, up to the amount shown in the
Schedule for reasonable additional expenses incurred by you
for hotel accommodations, meals, telephone calls and local
transportation while you are delayed. We will not pay benefits
for expenses incurred after travel becomes possible.
Travel Delay must be caused by
or result from: Common Carrier
delay; or loss or theft of your passport(s), travel documents
or money; or quarantine; or hijacking; or natural disaster
or closure of public roadways by government authorities due
to adverse weather; or Injury or Sickness of you, an Immediate
Family Member traveling with you, or a Traveling Companion;
or death of you, an Immediate Family Member traveling with
you, or a Traveling Companion.
Accidental Death and
Dismemberment
We will pay this benefit up to the amount on the Schedule if you are
injured in an Accident while a passenger in or on an aircraft of a regularly
scheduled airline or an air charter company that is licensed to carry
passengers for hire while you are on a Trip and covered under the policy,
and you suffer one of the losses listed below within 365 days of the
Accident. The Principal Sum is the benefit amount shown on the Schedule.
We will pay 100% of the Principal Sum for loss of: life; both hands or
feet, or sight of both eyes; one hand and one foot; or one hand or one
foot and sight of one eye. We will pay 50% of the Principal Sum for loss
of: one hand or one foot; or sight of one eye.
If you suffer more than one loss from one Accident, we will pay only
for the loss with the larger benefit. Loss of a hand or foot means complete
severance at or above the wrist or ankle joint. Loss of sight of an eye
means complete and irrecoverable loss of sight.
Baggage Delay
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 for 24 hours or
more during your Trip. We will also reimburse you up to $25 for expenses
incurred during your Trip to expedite the return of your delayed Baggage.
This coverage terminates upon your arrival at the return destination
of your Trip.
In this Policy, “you”, “your” and “yours” refer
to the Insured. “We”, “us” and “our” refer
to the company providing this insurance. In addition certain
words and phrases are defined as follows:
“Accident” means a sudden, unexpected,
unintended and external event, which causes Injury.
“Air Carrier” means any air conveyance
operated under a license for the transportation of passengers for hire.
“Baggage” means luggage, personal possessions
and travel documents taken by you on the 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, not including taxicabs or rented, leased or privately owned motor vehicles.
“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.
“Hospital” means an institution, which
meets all of the following requirements: 1) it must be operated according to
law; 2) it must give 24 hour medical care, diagnosis and treatment to the sick
or injured on an inpatient basis; 3) it must provide diagnostic and surgical
facilities supervised by Physicians; 4) registered nurses must be on 24 hour
call or duty; and 5) the care must be given either on the hospital’s premises
or in facilities available to the hospital on a pre-arranged basis. A Hospital
is not: a rest, convalescent, extended care, rehabilitation or other nursing
facility; a facility which primarily treats mental illness, alcoholism, or drug
addiction (or any ward, wing or other section of the hospital used for such purposes);
or a facility which provides hospice care (or wing, ward or other section of
a hospital used for such purposes).
“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 policy;
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 Trip and pays any required premium.
“Insurer” means Stonebridge Casualty
Insurance Company, Columbus, OH
“Other Covered Events” means
only the following unforeseeable events or their consequences which occur
while coverage is in effect under this Policy:
1. Air Carrier delays resulting from inclement weather, mechanical breakdown
of the aircraft on which you are scheduled to travel, or organized labor
strikes that affect public transportation;
2. arrangements canceled by an airline resulting from inclement weather
or organized labor strikes that affect public transportation;
Items #1 and #2 above apply only to Post-Departure
Trip Interruption Benefits.
3. 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: a) being
directly involved in a documented traffic accident while en route to
departure; b) 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; c) your Home is made uninhabitable by fire,
flood, volcano, earthquake, hurricane or other natural disaster; d) being
called into active military service to provide aid or relief in the event
of a natural disaster; e) a documented theft of passports or visas; f)
a transfer of employment of 250 miles or more; g) a Terrorist
Act which occurs in your departure city or in a city which is a scheduled
destination for your Trip provided: 1) The Terrorist Act occurs within
30 days of the Scheduled Departure Date for your Trip; and 2) Your premium
is received within 5 days of the initial deposit/payment for your Trip;
h) a cancellation of your Trip if your arrival on the Trip is delayed
and causes you to lose 50% or more of the scheduled Trip duration due
to the reasons covered under the Travel Delay Benefit.
“Payments or Deposits” means the cash,
check, or credit card amounts actually paid for your Trip. Payments made in the
form of a certificate, voucher or discount are not Payments or Deposits as defined
herein.
“Physician” means a person licensed
as a medical doctor by the jurisdiction in which he/she is 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.
“Pre-Existing Condition” means
an illness, disease, or other condition during the 60 day period immediately
prior to your effective date for which you or your Traveling Companion
or Immediate Family Member scheduled or booked to travel with you: 1)
received or received a recommendation for a diagnostic test, examination,
or medical treatment; or 2) took or received a prescription for drugs
or medicine. Item (2) of this definition does not apply to a condition
which is treated or controlled solely through the taking of prescription
drugs or medicine and remains treated or controlled without any adjustment
or change in the required prescription throughout the 60 day period before
coverage is effective under this policy.
“Program Medical Advisors” means ON
CALL INTERNATIONAL.
“Scheduled Departure Date” means the
date on which you are originally scheduled to leave on your Trip.
“Scheduled Return Date” means the date
on which you are originally scheduled to return to the point where the Trip started
or to a different final destination.
“Sickness” means an illness or disease
of the body which: 1) requires examination and treatment by a Physician, and
2) commences while the insurance is in effect. An illness or disease of the body
which first manifests itself and then worsens or becomes acute prior to the effective
date of this insurance is not a Sickness as defined herein and is not covered
by the policy.
“Terrorist Act” means
an act of violence, other than civil disorder or riot, (that is not an
act of war, declared or undeclared) that results in loss of life or major
damage to property, by any person acting on behalf of or in connection
with any organization which is generally recognized as having the intent
to overthrow or influence the control of any government.
“Traveling Companion” means a person
whose name appears with yours on the same Trip arrangement and who, during the
Trip, will share accommodations with you in the same room, cabin, condominium
unit, apartment unit, or other lodging.
“Trip” means
a scheduled trip for which coverage has been elected and the premium
paid, and all travel arrangements are arranged by Eurofly prior
to the Scheduled Departure Date of the Trip.
The following exclusion
applies to the Accidental Death and Dismemberment coverage:
1. We will not pay for loss
caused by or resulting from Sickness of any kind.
The following exclusion applies to the
Pre-Departure Trip Cancellation, Post-Departure Trip Interruption,
and Travel Delay coverages:
2. We will not pay for loss
or expense caused by or incurred resulting from a Pre-Existing
Condition, as defined in the policy, including death that results
therefrom.
Exclusion
#2 does not apply if your premium is received by Eurofly
the the initial deposit/payment for your Trip and you
are not disabled from travel when you pay your premium. |
The following exclusion applies to
all coverages:
3. We
will not pay for any loss under the policy, caused by, or
resulting from: a) suicide,
attempted suicide, or intentionally self-inflicted injury
of you, a Traveling Companion, Immediate Family Member, or
Business Partner booked to travel with you, while sane or
insane (while sane in CO & MO); b) mental,
nervous, or psychological disorders; c) being
under the influence of drugs or intoxicants, unless prescribed
by a Physician; d) normal
pregnancy or resulting childbirth or elective abortion; e) participation
as a professional in athletics; f) participation
in organized amateur and interscholastic athletic or sports
competition or events; g) riding
or driving in any motor competition; h) declared
or undeclared war, or any act of war; i) civil
disorder; j) service
in the armed forces of any country; k) nuclear
reaction, radiation or radioactive contamination; l) operating
or learning to operate any aircraft, as pilot or crew; m) mountain
climbing, bungee cord jumping, skydiving, parachuting, hang
gliding, parasailing or travel on any air supported device,
other than on a regularly scheduled airline or air charter
company; n) any
unlawful acts, committed by you or a Traveling Companion
(whether insured or not); o) any
amount paid or payable under any Worker’s Compensation,
Disability Benefit or similar law; p) a
loss or damage caused by detention, confiscation or destruction
by customs; q) Elective
Treatment and Procedures; r) medical
treatment during or arising from a Trip undertaken for the
purpose or intent of securing medical treatment; s) business,
contractual or educational obligations of you, an Immediate
Family Member, Business Partner, or Traveling Companion; t) bankruptcy,
financial insolvency, default or failure to supply services
by a travel supplier; u) failure
of any tour operator, Common Carrier, or other travel supplier,
person or agency to provide the bargained-for travel arrangements; v) loss
that results from an illness, disease, or other condition,
event or circumstance which occurs at a time when the policy
is not in effect for you.
Important Note: Exclusion
3, Item v applies to you, an Immediate Family Member, Traveling
Companion, or Business Partner. |
All claims should be presented
to the Program Administrator:
Trip
Mate (In
CA dba Trip Mate Insurance Agency)
9225 Ward Parkway, Suite 200
Kansas City, Missouri 64114
1-800-888-7292 (Toll Free)
When Reporting a claim, please use
the following:
The
Travel Insurance is Underwritten By: Stonebridge Casualty
Insurance Company, Columbus, Ohio; (all states except as otherwise
noted) under Policy/Certificate Form series TAHC5000. In CA,
CT, 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.
Notice: If you are a resident of one of the following states (IL,
IN, KS, LA, OH, OR, VT, WA, WY) your coverage is provided on an individual
policy form. Your policy number is your complete Name plus 373V. Additional
information about your policy is available at www.tripmate.com. You can
also request this information by calling Trip Mate at 1-800-888-7292.
Note: This policy contains disability insurance benefits or health
insurance benefits, or both, that apply only during a covered Trip. You
may have coverage from other sources that already provides you with these
benefits. You should review your existing policies. If you have any questions
about your current coverage, call your insurer or health plan.
24-hour Telephone Service–Multi-lingual
professionals are available 24 hours a day to provide help
and advice with a medical or legal emergency.
International Medical Assistance–If
you are in need of medical attention, ON CALL will help you
locate local physicians, dentists, or medical facilities.
ON CALL will also monitor your condition and contact your
personal physician and family, if requested.
Nurse Helpline–Registered nurses are available 24 hours
a day before and during your trip to provide general health information,
clinical assessment, and health counseling to give you assistance in
making appropriate healthcare decisions.
Medical Evacuation–If you need to be transported to a
different hospital or treatment facility, or back home, ON CALL will
arrange and pay for transportation and a special medical escort if
required. Payment is available only for covered claims and up to the
amount of coverage provided in the policy.
Telephone Interpretation Service–In a medical emergency,
ON CALL provides interpretation services in major languages and will
transmit urgent messages to family, friends, and business, if requested.
Failure to call ON CALL may invalidate
your Medical Expense and/or Trip Interruption or Delay claim.
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The ON CALL Assistance Network extends worldwide.
If you are outside the United States or Canada, call
the local telephone operator for help in placing your collect
call. Within the United States and Canada, use
the toll free number. Phone answered 24 hours daily.
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Within U.S.A. & Canada Outside
U.S.A. & Canada
1-800-555-9095 1-603-894-4710*
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*From outside the United States & Canada,
you will first have to enter the International Access
Code of the country you are calling from.
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PLAN
NUMBER: 373V
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PLEASE NOTE: Neither
the Insurer nor ON CALL INTERNATIONAL shall be responsible
for the availability, quality or results of any medical treatment
or your failure to obtain medical treatment. Access Your Medical
Records Online With our exclusive Free
Traveler PDQ Service, you can
assure that your important medical records are available
to you or any Physician chosen by you, at any time, anywhere
in the world, quickly, wherever there is internet access
available. Register at www.travelerpdq.com or call, toll
free 1-800-379-9887. It’s
free during your insured Trip! Use
Program Code 373V
The Traveler PDQ Service is provided
by:
Worldwide PDQ, a division of Cargril
Corporation
| Please read this
Insurance Certificate/brochure carefully, as it
is your evidence of coverage under the policy (once you
have paid the appropriate premium). If you have any questions
about the coverages offered or to report a claim, please
contact Trip Mate at 1-800-888-7292. Claims may also be
reported online and claim forms downloaded at www.tripmate.com Plan
Number: 373V |
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