A division of VacationsToGo.com
Expedition Cruising Specialist 877-828-4774
Large-Ship Cruising Specialist 800-338-4962
The benefits provided in this program are subject to certain restrictions and exclusions, including the Pre-Existing Condition Exclusion. Please read this brochure in its entirety for a complete description of all coverage terms and conditions. Note: Words beginning with capital letters are defined in this text. In this Description of Coverages, "you", "your," and "yours" refer to the Plan Participant and "we", "us," and "our" refer to the company providing the coverage:
PART A. TRAVEL ARRANGEMENT PROTECTION
PART B. MEDICAL PROTECTION
Medical Expense/Emergency Assistance Benefits
Accident Medical Expense/Sickness Medical Expense:
In Parts A & B (except Emergency Evacuation and Repatriation) we will not pay for any loss caused by or incurred resulting from a Pre-Existing Condition Exclusion as defined below.
"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, Business Partner or Immediate Family Member who is 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.
PART C. BAGGAGE PROTECTION
Baggage and Personal Effects Benefits
Valuation and Payment of Loss
Baggage Delay Benefits
"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 Cruise Vacation.
"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.
"Covered Cruise Vacation" means a period of travel away from Home to a destination outside your city of residence; the purpose of the Cruise Vacation is business or pleasure and is not to obtain health care or treatment of any kind.
"Cruise Vacation" means a trip for which coverage has been elected and the plan payment paid, and all travel arrangements are arranged by Celebrity Cruises prior to the Scheduled Departure Date of the trip. Also covered by this definition are any direct round trip air flights booked by others to and from the scheduled Cruise Vacation departure and return cities, provided the dates of travel are within 14 total days of the scheduled land tour or cruise dates.
"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 we 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, Domestic Partner, or ward.
"Insurer" means Stonebridge Casualty Insurance Company.
"Other Valid and Collectible Group Insurance" means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.
"Payments or Deposits" means the cash, check, or credit card amounts actually paid to the Policyholder for your Covered Cruise Vacation.
"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.
"Plan Participant" means an eligible person who arranges a Covered Cruise Vacation and pays any required plan payment.
"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.
"Program Medical Advisors" means On Call International.
"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 Certificate for each Plan Participant.
"Scheduled Departure Date" means the date on which you are originally scheduled to leave on your Covered Cruise Vacation.
"Scheduled Return Date" means the date on which you are originally scheduled to return to the point where the Covered Cruise Vacation started or to a different final destination.
"Scheduled Departure City" means the city where the scheduled Cruise Vacation 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. An illness or disease of the body that first manifests itself and then worsens or becomes acute prior to the effective date of this plan is not a Sickness as defined herein and is not covered by the plan.
"Traveling Companion" means a person whose name(s) appear(s) with you on the same Cruise Vacation arrangement and who, during the Cruise Vacation, will accompany you.
"Usual and Customary Charge" means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.
GENERAL PLAN EXCLUSIONS
IN PART B:
We will not pay for any loss or expense caused by or incurred resulting from: a Pre-Existing Condition, as defined in the plan. This Exclusion does not apply to benefits under covered expenses emergency medical evacuation or repatriation of remains of the Medical Expense/Emergency Assistance Benefits coverage.
IN PARTS A & B:
We will not pay for any loss under the plan 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 Plan Participant 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 Cruise Vacation undertaken for the purpose or intent of securing medical treatment; 11) business, contractual or educational obligations of you, an Immediate Family Member, Domestic Partner, Business Partner, 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 C:
Items not covered
Losses not covered
TERM OF COVERAGE
When Coverage Begins
When Coverage Ends
1) TRIP CANCELLATION CLAIMS: Call your travel agent, Celebrity Cruises 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 that must be completed by you AND THE ATTENDING PHYSICIAN, if applicable.
2) ALL OTHER CLAIMS: Report your claim as soon as possible to Aon Affinity. Provide the policy number above, 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.
IMPORTANT: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the Accident or Sickness occurred; receipts for medical services and supplies; receipts from the Hospital. You must receive initial treatment within 90 days of the accident that caused the Injury or the onset of the Sickness.
In case of loss, theft or damage to Baggage and Personal Effects, you should immediately report the situation incident to the hotel manager, cruise/airline/tour representative, transportation official, local police or other local authorities and obtain their written report of your loss. In the event of a baggage claim, receipts for any lost or damaged items will be required. In the event of a Baggage Delay or Trip Delay claim, receipts for any additional covered expenses will be required, as well as verification of the delay.
Once you have booked a Cruise Vacation through Celebrity Cruises, CruiseCare may be purchased at any time through final Cruise Vacation payment.
Please note: Payment for the plan may not be accepted after the Cruise Vacation cost has been paid in full.
This program was designed and 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 244489); 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 Aon Affinity at: : at 1-800-797-4516 or 1-516-342-2720 Office hours: 8 A.M. - 10 P.M. ET, Monday - Friday, 9 A.M. - 5 P.M. ET, Saturday
Their 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.
Payment of Claims for benefits provided by the plan will be paid as soon as written proof is received. 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 them. We are not responsible for the validity of any assignment.
The CruiseCare Travel Insurance Program 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 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 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.
This plan provides insurance coverage that applies 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.
Notice To New York Residents Only
Ten Day Right To Examine
CruiseCare Worldwide Emergency Assistance
CareFreeTM Travel Assistance
CruiseCare Worldwide Emergency Assistance Services can be accessed by calling On Call International at 1-(866) 509-7716 or, from outside the U.S. or Canada, call collect*: 1-(603) 328-1716.
* 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 the Program Administrator, Celebrity Cruises, 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.
This is not a complete description of all benefits and limitations. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Prices, terms and conditions listed in this summary are subject to change without notice and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking.
If you book a Celebrity cruise, you can purchase insurance from Celebrity (CruiseCare) or from the independent insurance provider, CSA. Click here to see details of the CSA Travel Protection Plan.