Eurofly Vacations
Travel Protection Plan Benefits | Pre-Departure Trip Cancellation | Up To Air Ticket Cost | Post-Departure Trip Interruption | Return Air Flight Cost | | Travel Delay (12 Hours or More) | Up to $100 | | 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 Vacations; 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 Vacations.
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 conveyanceoperated under a license for the transportation of passengers for hire.
“Baggage” means luggage, personal possessionsand travel documents taken by you on the Trip.
“Business Partner” means an individualwho is involved, as a partner, with you in a legal general partnership and sharesin the management of the business.
“Common Carrier” means any land, wateror air conveyance operated under a license for the transportation of passengersfor hire, not including taxicabs or rented, leased or privately owned motor vehicles.
“Domestic Partner” means a person whois at least eighteen years of age and you can show: 1) evidence of financialinterdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary desi
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