The perfect vacation awaits you with unbelievable thrills, epic
entertainment, delicious dining and breathtaking destinations.
Make sure nothing gets in the way of your adventure with the Royal
Caribbean Travel Protection Program
SM
. Enjoy some peace of mind,
no matter what life throws your way. Ask your travel agent for details,
or feel free to call us or the Program Administrator with questions.
Royal Caribbean Travel Protection Program Package of Benets:
Cancellation Penalty Waiver Program
waives the non-refundable cancellation provision of your cruise ticket
contract and pays you the value of the unused portion of your prepaid
cruise vacation in the event that you or your traveling companion
need to cancel your cruise vacation (for specied reasons). In
addition, should you or your traveling companion need to cancel your
cruise for “Any Other Reason”, you may be eligible for Cruise Credits.
Brought to you by Royal Caribbean International
®
*.
The Royal Caribbean Travel Protection Insurance Program
provides coverage for trip delays, accident and sickness medical
benets, evacuation, baggage protection and much more.
Underwritten by Transamerica Casualty Insurance Company.
The Worldwide Emergency Assistance Program
provides 24-hour assistance services, including: pre-trip health,
safety and weather information; assistance with travel changes; lost
luggage assistance; emergency cash transfer assistance; medical
consultation and monitoring; emergency legal assistance; emergency
medical and dental assistance; lost travel document assistance; and
emergency medical payment assistance.
Services provided by On Call International.
For cancellation protection before – and insurance coverage and
assistance services during – your trip, consider the Royal Caribbean
Travel Protection Program.
Important: Benets are valid only if the appropriate program costs
have been received by Royal Caribbean International. Please keep
these documents for your records.
*For NY residents, the Royal Caribbean Travel Protection
Program Cancellation Penalty Waiver Program is underwritten by
Transamerica Casualty Insurance Company, Columbus, Ohio; NAIC
# 10952 under Policy/Certicate Form series TAHC5000.
Important: In the event of a claim, please refer to this brochure for
documentation that may be required in addition to your claim form.
Cancellation Penalty Waiver Program
Cruise Ticket Contract Addendum
Provided by Royal Caribbean International*
*For NY residents, the Royal Caribbean Travel Protection Program
Cancellation Penalty Waiver Program is underwritten by Transamerica
Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 under Policy/
Certicate Form series TAHC5000.
The Cancellation Penalty Waiver Program offers our valued
guests the opportunity to receive a refund from Royal Caribbean
International (beyond the standard refund policy published in our
cruise brochure) for those otherwise non-refundable cruise vacation-
related costs prepaid to Royal Caribbean International, should you
cancel or interrupt your cruise vacation for the reasons stated below.
Cancellation
& Interruption Penalty Waiver.…......................Cash Refund Up To
Total Cruise Vacation Cost
This Cancellation Penalty Waiver is an addendum to your cruise ticket
contract. Through the Travel Protection Program, Royal Caribbean
International will waive their standard cancellation provision and refund
to you IN CASH the otherwise non-refundable value of the unused
portion of your prepaid cruise vacation, should you or your traveling
companion need to cancel your cruise vacation for any one of the
following reasons (subject to the restrictions noted below*). In addition,
through the Travel Protection Program, should you or your traveling
companion need to interrupt your cruise vacation (embark after
your scheduled departure date or disembark before your scheduled
return date) for any one of the same following reasons (subject to the
restrictions noted below*) you will be refunded IN CASH the otherwise
non-refundable value of the unused portion of your prepaid cruise
vacation.
1. sickness, injury, or death of yourself, a traveling companion or
members of either of your immediate families, which is diagnosed
and treated by a physician at the time your cruise vacation is
terminated;
2. involvement in a trafc accident, en route to departure, that
causes you to miss your cruise;
3. your home is made uninhabitable by a natural disaster such as
re, ood, earthquake, hurricane or volcano;
4. you are called into active duty by the military to provide aid or
relief as a result of a natural disaster;
5. subpoena or being called to serve for jury duty.
Cancellation Penalty Waiver refunds are also provided if you are
charged a change in occupancy/single supplement charge as a result
of your traveling companion’s cancellation due to one of the reasons
cited above. Please advise your travel agent, Royal Caribbean
International or the Program Administrator as soon as possible in
the event of cancellation. Refunds will not be provided for additional
charges incurred that would not have been charged had you notied
these parties as soon as reasonably possible.
Page 1 of 6
ROYAL CARIBBEAN
TRAVEL PROTECTION PROGRAM
SM
ROYAL CARIBBEAN
TRAVEL PROTECTION PROGRAM
SM
Page 2 of 6
*Please note the following restrictions:
Royal Caribbean International will not waive their cancellation penalty
and provide a cash refund, should you cancel or interrupt your cruise
vacation for any of the following reasons:
• a condition that rst presents, worsens, becomes acute or has
symptoms causing a person to seek diagnosis, care or treatment,
or prompts a change in medication, during the 60 days before you
purchased this waiver; mental, nervous or psychological disorders,
or normal pregnancy, unless hospitalized; elective abortion; drugs
or intoxicants, unless prescribed by a Physician;
• business, contractual or educational obligations of you, an
immediate family member, or traveling companion;
• declared or undeclared war, or any act of war; service in the
armed forces of any country;
• any unlawful acts, committed by you or a traveling companion;
• other condition, event or circumstance occurring prior to your
purchase of the Travel Protection Program.
Where To Report Cruise Vacation Cancellations and/or
Interruptions
Contact your travel agent, Royal Caribbean International or the
Program Administrator IMMEDIATELY to notify them of your
cancellation (or interruption) and to avoid any non-covered expenses
due to late reporting. The Administrator will then forward the
appropriate form(s) that must be completed by you and the attending
physician (if applicable). The Administrator can be contacted at
1-800-453-4022 or 1-516-342-2720.
*For NY residents, the Royal Caribbean Travel Protection Program
Cancellation Penalty Waiver Program is underwritten by Transamerica
Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 under Policy/
Certicate Form series TAHC5000.
Cruise Vacation Cancellation Enhancement
Provided by Royal Caribbean International
“Any Reason” Cruise Credits…...........................equal
to 75% of the non-refundable
pre-paid Cruise Vacation Cost
In the event that you choose to cancel for a reason not
authorized above or for a reason that is otherwise restricted,
at any time up until departure, and you have purchased
the Royal Caribbean Travel Protection Program, Royal
Caribbean International will provide you a cruise credit equal
to 75% of the non-refundable value (excluding AIR2SEA)
of your Cruise Vacation prepaid to Royal Caribbean
International, for your use toward a future cruise. This
additional enhancement is offered by Royal Caribbean
International as a special service to guests that purchase
this cruise ticket Cancellation Penalty Waiver Addendum.
Certain restrictions on the use of these cruise credits (such
as blackout periods) may apply. Credits are valid for one
year from issue date, are not transferable, and have no cash
value. To be eligible for credits, notication of cancellation
must be given to Royal Caribbean International prior to
the ship’s departure. Once you’ve cancelled with Royal
Caribbean International, please contact the Royal Caribbean
Travel Protection Program Help Line at 1-800-453-4022
regarding cruise credits. AIR2SEA is not subject to this
cruise credit feature.
Royal Caribbean Travel Protection Insurance Program
Underwritten by Transamerica Casualty Insurance Company
Policy Number: MZ0911036H0000A
Description of Coverages
Maximum Benet Amount
Part A. Travel Arrangement Protection
Trip Delay......................................................................................$500
Part B. Medical Protection
Emergency Evacuation .......................................................... $25,000
Repatriation..............................................................................$25,000
Accident Medical Expense ..................................................... $10,000
Sickness Medical Expense .................................................... $10,000
Part C. Baggage Protection
Baggage and Personal Effects..................................................$1,500
Baggage Delay..............................................................................$500
The benets 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 description
of all coverage terms and conditions. Note: Words beginning with
capital letters are dened in this text. In this Description of Coverage,
“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
Trip Delay
If your Covered Cruise Vacation is delayed, we will reimburse you, up
to the amount shown in the Schedule, for unused land or water travel
arrangements, less any refund paid or payable, and reasonable
additional expenses incurred by you for hotel accommodations,
meals, telephone calls, and economy transportation to catch up to
your Cruise Vacation or to return Home. We will not pay benets for
expenses 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) adverse weather; 6) a
documented trafc accident while you are en route to departure; 7)
unannounced strike; 8) a civil disorder.
Part B. Medical Protection
Medical Expense/Emergency Assistance Benets
We will pay this benet, up to the amount in the Schedule, for
the following Covered Expenses incurred by you, subject to the
following: 1) Covered Expenses will only be payable at the Usual
and Customary level of payment; 2) benets will be payable only
for Covered Expenses resulting from a Sickness that rst manifests
itself or an Injury that occurs while on a Covered Cruise Vacation; 3)
benets payable as a result of incurred Covered Expenses will only
be paid after benets have been paid under any Other Valid and
Collectible Group Insurance in effect for you. We will pay that portion
of Covered Expenses that exceeds the amount of benets payable
for such expenses under your Other Valid and Collectible Group
Insurance. We will advance payment to a Hospital, up to $1,000, if
needed to secure your medically necessary admission.
ROYAL CARIBBEAN
TRAVEL PROTECTION PROGRAM
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Page 3 of 6
Covered Expenses:
Accident Medical Expense/Sickness Medical Expense:
1) expenses for the following Physician-ordered medical services:
services of legally qualied Physicians and graduate nurses, charges
for Hospital connement and services, local ambulance services,
prescription drugs and medicines, and therapeutic services incurred
by you within one year from the date of your Sickness or Injury; 2)
expenses for emergency dental treatment incurred by you during a
Covered Cruise Vacation;
Emergency Evacuation:
3) expenses incurred by you for Physician-ordered emergency
medical evacuation, including medically appropriate transportation
and necessary medical care en route, to the nearest suitable Hospital
when you are critically ill or injured and no suitable local care is
available, subject to the Program Medical Advisors prior approval; 4)
expenses incurred for non-emergency medical evacuation, including
medically appropriate transportation and medical care en route, to
a Hospital or to your place of residence, when deemed medically
necessary by the attending Physician, subject to the Program
Medical Advisors prior approval; 5) expenses for transportation not
to exceed the cost of one round-trip economy class air fare to the
place of hospitalization for one person chosen by you, provided that
you are traveling alone and are hospitalized for more than 7 days;
6) expenses for transportation not to exceed the cost of one-way
economy class air fare to your place of residence including escort
expenses if you are 18 years of age or younger and left unattended
due to the death or hospitalization of an accompanying adult(s),
subject to the Program Medical Advisors prior approval; 7) expenses
for one-way economy class air fare to your place of residence from
a medical facility to which you were previously evacuated, less any
refunds paid or payable from your unused transportation tickets, if
these expenses are not covered elsewhere in the plan;
Repatriation:
8) repatriation expenses for preparation and air transportation of your
remains to your place of residence, or up to an equivalent amount for
a local burial in the country where death occurred, if you die while on
your Covered Cruise Vacation.
In Part 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 dened 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 denition 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.
If you have any questions concerning this exclusion, please call the
program administrator at 1-800-453-4022 for further clarication.
Part C. Baggage Protection
Baggage and Personal Effects Benets
We will reimburse you, less any amount paid or payable from
any coverage provided by a Common Carrier and/or insurance
specically insuring the lost, stolen, or damaged item(s), up to the
amount shown in the Schedule, for direct loss, theft, damage, or
destruction of your Baggage during your Covered Cruise Vacation.
Valuation and Payment of Loss
Payment of loss under the Baggage and Personal Effects Benet
will be calculated based upon an Actual Cash Value basis. For items
without receipts, payment of loss will be calculated based upon 80%
of the Actual Cash Value at the time of loss. At our option, we may
elect to repair or replace your Baggage. We will notify you within 30
days after we receive your proof of loss. We may take all or part of a
damaged Baggage as a condition for payment of loss. In the event
of a loss to a pair or set of items, we will: 1) repair or replace any
part to restore the pair or set to its value before the loss; or 2) pay
the difference between the value of the property before and after the
loss.
Baggage Delay Benets
We will reimburse you, less any amounts 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
Cruise Vacation. You must be a ticketed passenger on a Common
Carrier. This coverage terminates upon your arrival at the return
destination of your Covered Cruise Vacation.
Denitions
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 Royal Caribbean International prior to the Scheduled Departure
Date of the trip.
Domestic Partner means a person who is at least eighteen years
of age and you can show: 1) evidence of nancial interdependence,
such as joint bank accounts or credit cards, jointly owned property,
and mutual life insurance or pension beneciary designations; 2)
evidence of cohabitation for at least the previous 6 months; and 3)
an afdavit of domestic partnership if recognized by the jurisdiction
within which they reside.
ROYAL CARIBBEAN
TRAVEL PROTECTION PROGRAM
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Page 4 of 6
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.
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.
Insurer means Transamerica 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 benets includes
group or blanket insurance policies; service plan contracts; employee
benet plans; or any plan arranged through an employer, labor union,
employee benet 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 benets
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
benets specied herein.
Policyholder means the legal entity in whose name this Policy is
issued, as shown on the benet Schedule.
Quarantined means the isolation of a person aficted with or
exposed to a communicable disease, the purpose being to prevent
the spread of disease.
Program Medical Advisors means On Call International.
Schedule means the benet schedule shown on the Description of
Coverage 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 nal 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 rst
manifests itself and then worsens or becomes acute prior to the
effective date of this plan is not a Sickness as dened herein and is
not covered by the plan.
Traveling Companion means a person whose name appears 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 90
th
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 dened in the plan.
This Exclusion does not apply to benets under covered expenses
emergency medical evacuation or repatriation of remains of the
Medical Expense/Emergency Assistance Benets 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 inuence 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 Benet
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.
ROYAL CARIBBEAN
TRAVEL PROTECTION PROGRAM
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Page 5 of 6
In Part C:
Items not covered
We will not pay for damage to or loss of: 1) a loss or damage
caused by detention, conscation 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) articial limbs or other prosthetic devices, articial 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 will take effect on the later of: 1) the date the plan
payment has been received by Royal Caribbean International; 2)
the date and time you start your Covered Cruise Vacation; or 3)
12:01 A.M. Standard Time on the Scheduled Departure Date of your
Covered Cruise Vacation.
When Coverage Ends
Your coverage automatically ends on the earlier of: 1) the date the
Covered Cruise Vacation 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 Cruise Vacation
covered by the Plan.
Claims Procedure
1. Trip Cancellation Claims: Contact your travel agent, Royal
Caribbean International and Aon Afnity IMMEDIATELY to notify
them of your cancellation and to avoid any non-covered expenses
due to late reporting. Aon Afnity 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
Afnity. Provide the policy number above, your travel dates, and
details describing the nature of your loss. Upon receipt of this
information, Aon Afnity will promptly forward you the appropriate
claim form to complete.
Online: www.travelclaim.com
Mail: Aon Afnity, 300 Jericho Quadrangle, Jericho, NY 11753
Phone: 1-800-453-4022 or 1-516-342-2720
Ofce Hours: 8 A.M. - 10 P.M. ET, Monday-Friday,
9 A.M. - 5 P.M., Saturday
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; and 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 ofcial, 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 verication of the delay.
Enrollment Procedure
Once you have booked a Cruise Vacation through Royal Caribbean
International, the Royal Caribbean Travel Protection Program may be
purchased at any time through nal 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 Afnity.
Aon Afnity is the brand name for the brokerage and program
administration operations of Afnity Insurance Services, Inc. (TX
13695); (AR 100106022); in CA & MN, AIS Afnity Insurance Agency,
Inc. (CA 0795465); in OK, AIS Afnity Insurance Services, Inc.; in
CA, Aon Afnity Insurance Services, Inc. (CA 0G94493), Aon Direct
Insurance Administrators and Berkely Insurance Agency and in NY,
AIS Afnity Insurance Agency. Afnity Insurance Services is acting
as a Managing General Agent as that term is dened 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 Afnity
at: 1-800-453-4022 or 1-516-342-2720
Ofce hours:
8 A.M. – 10 P.M. ET, Monday – Friday,
9 A.M. – 5 P.M. 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 benets provided by the plan will be
paid as soon as written proof is received.
Benets are paid directly to you, unless otherwise directed. Any
accrued benets unpaid at your death will be paid to your estate or, if
no estate, to your beneciary. If you have assigned your benets, we
will honor the assignment if a signed copy has been led with us. We
are not responsible for the validity of any assignment.
The Royal Caribbean Travel Protection Program is underwritten
by Transamerica Casualty Insurance Company, Columbus,
Ohio; NAIC # 10952 (all states except as otherwise noted)
under Policy/Certicate Form series TAHC5000. In CA, HI, NE,
NH, PA, TN and TX Policy/Certicate 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.
ROYAL CARIBBEAN
TRAVEL PROTECTION PROGRAM
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This is a brief Description of Coverage which outlines benets 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 Certicate for all states based
on your state of residence, or information regarding the insurance
premium portion of your plan cost, visit www.afnitytravelcert.com or
call 1-800-453-4090. Your Individual Policy or Group Certicate will
govern the nal interpretation of any provision or claim. For Maryland
residents only, to le 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 benets 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 qualied or authorized to answer your technical questions
about the benets, 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
The Cancellation Penalty Waiver Program may be purchased
separately from the Royal Caribbean Travel Protection Program.
Contact 1-888-722-2195 for details.
Ten Day Right To Examine
If you are not satised 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 a copy of your
plan description to our authorized agent, Aon Afnity, 300 Jericho
Quadrangle, P.O. Box 9022, Jericho, NY 11753.
8/2015
26504094
Worldwide Emergency Assistance
Provided by On Call International
Not a care in the world…when you have our 24/7 global network to
assist you.
CareFree
TM
Travel Assistance
• Arrangements for last-minute ight and hotel changes
• Luggage Locator (reporting/tracking of lost, stolen or delayed
baggage)
• Airport transportation, rental car reservations and automobile
return
• Coordination of travel for visitors to bedside, return travel for
dependent/minors
• Assistance locating the nearest embassy or consulate
• Cash transfers
• Destination guide, weather updates, passport requirements,
currency exchange
• Assistance with lost travel documents or passports
• Live email and phone messaging to family and friends
• Multilingual translation and interpretation services
Medical Assistance and Emergency Services
• Medical case management, consultation and monitoring
• Medical transportation, dispatch of doctor or specialist
• Referrals to local medical and dental service providers
• Worldwide medical information, up-to-the-minute travel medical
advisories
• Replacement of prescriptions, eyeglasses, contact lenses and
dental appliances
• Emergency medical, dental and legal assistance
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 difculty 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
benets.
Note that the problems of distance, information, and communications
make it impossible for the Program Administrator, Royal Caribbean
International, 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.
