Costco Travel Passenger Protection Plan
Designed Exclusively for Costco Members
This plan is underwritten by Virginia Surety Company, Inc.
and administered for the passengers of Costco Travel by BerkelyCare
and administered for the passengers of Costco Travel by BerkelyCare
IMPORTANT
This program is effective only when the appropriate plan cost has been received by Costco Travel. Please keep this document as your record of coverage.
This program is a combination of travel insurance coverage and non-insurance assistance services (i.e., the Part E services are of a non-insurance nature). Costco Travel receives its compensation from the non-insurance assistance services portion of the program.
This program is effective only when the appropriate plan cost has been received by Costco Travel. Please keep this document as your record of coverage.
This program is a combination of travel insurance coverage and non-insurance assistance services (i.e., the Part E services are of a non-insurance nature). Costco Travel receives its compensation from the non-insurance assistance services portion of the program.
DESCRIPTION OF COVERAGE
Plan Number HTP02170
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| Trip Cancellation ...................................................................................................... | Total Trip Cost | |||
| Trip Interruption ........................................................................................................ | Total Trip Cost | |||
| Trip Delay ................................................................................................................. | $2,000 | |||
| Missed Connection ................................................................................................... | $2,000 | |||
| Itinerary Change ....................................................................................................... | $1,000 | |||
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| Emergency Evacuation ............................................................................................. | $200,000 | |||
| Repatriation .............................................................................................................. | $200,000 | |||
| Medical Expense ...................................................................................................... | $100,000 | |||
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| Baggage/Personal Effects ........................................................................................ | $3,000 | |||
| Baggage Delay ......................................................................................................... | $1,000 | |||
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| Accidental Death & Dismemberment | ||||
| Air Common Carrier Only ......................................................................................... | $50,000 | |||
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| CareFree™ Travel Assistance ............................................................................... | 24/7 | |||
| Medical Assistance ................................................................................................... | 24/7 | |||
| Emergency Services ................................................................................................. | 24/7 | |||
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PART A. TRAVEL ARRANGEMENT PROTECTION |
Trip Cancellation/Trip Interruption
In the event You are prevented from taking Your Trip because: (a) You, Your Traveling Companion, or an Immediate Family member suffers a death or an Injury or Sickness which results in medically imposed restrictions, as certified by a Physician, at the time of loss preventing Your continued participation in the covered Trip; or (b) You or Your Traveling Companion: (i) is hijacked, quarantined, required to serve on a jury, or subpoenaed; (ii) has a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; (iii) is directly involved in a documented traffic accident while en route to departure; (c) of Bankruptcy and/or Default of the Travel Supplier which occurs more than 10 days following Your effective date of Trip Cancellation coverage. Coverage is not provided for the Bankruptcy or Default of the agency from whom you purchased Your Land/Sea Arrangements. Your contracted departure date must be no more than 18 months beyond Your effective date of Trip Cancellation coverage; (d) Terrorism occurs in a country which is part of the Trip which leads the United States government to issue a general recommendation that You should not travel within that country for a period that would include Your Trip, such a recommendation being made after Your effective date of Trip Cancellation coverage; or (e) Inclement Weather which causes a complete cessation of Your Common Carrier for at least 48 consecutive hours, the Insurer will pay benefits up to Your total Trip cost for:
a) Trip Cancellation – non-refundable cancellation charges imposed by Costco Travel and/or airfare cancellation charges for flights joining or departing Your Land/Sea Arrangements; or the additional costs You may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if a Traveling Companion cancels his/her Trip for a covered reason and You do not cancel. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow you to transfer to another airline in order to get you to your intended destination.
b) Trip Interruption – unused, non-refundable land or sea expenses prepaid to Costco Travel and/or the airfare paid, less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Land/Sea Arrangements (limited to the cost of one-way economy airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets). Important: The Sickness or Injury causing you to interrupt Your Trip must be verified by a Physician before you terminate the Trip.
The Insurer will also pay benefits, up to $100 per day, for reasonable additional accommodation and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your Trip.
In no event shall the amount reimbursed exceed the amount you prepaid for Your Trip.
The Insurer will also pay benefits, up to $100 per day, for reasonable additional accommodation and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your Trip.
In no event shall the amount reimbursed exceed the amount you prepaid for Your Trip.
Special Conditions: You must advise Costco Travel and BerkelyCare as soon as possible in the event of a claim. The Insurer will not pay benefits for any additional charges incurred that would not have been charged had You notified these parties as soon as reasonably possible.
IMPORTANT: You, Your Traveling Companion, and Your Immediate Family member booked to travel with You must be medically capable of travel on the day You purchase this coverage. The event which necessitated the trip cancellation/interruption must occur after Your effective date of Trip Cancellation coverage. Benefits will not be paid for expenses
not refunded in the event of Costco Travel’s insolvency.
Trip Delay
The Insurer will pay benefits for Covered Expenses, up to $2,000, if Your flight en route to or from Your Land/Sea Arrangements is delayed for 12 hours or more due to inclement weather, strike or other job action, or equipment failure of a Common Carrier; a traffic accident en route to a departure in which You or Your Traveling Companion is not directly involved; lost or stolen passports, travel documents, or money; quarantine; hijacking; natural disaster including hurricane; civil commotion or riot.
Covered Expenses include any prepaid, unused, non-refundable Land/Sea Arrangements, any reasonable additional expenses for meals and lodging, and the cost of a one-way economy airfare ticket to catch up to the Land/Sea Arrangements or return to the place of origin shown on the travel documents.
The Insurer will pay benefits for Covered Expenses, up to $2,000, if Your flight en route to or from Your Land/Sea Arrangements is delayed for 12 hours or more due to inclement weather, strike or other job action, or equipment failure of a Common Carrier; a traffic accident en route to a departure in which You or Your Traveling Companion is not directly involved; lost or stolen passports, travel documents, or money; quarantine; hijacking; natural disaster including hurricane; civil commotion or riot.
Covered Expenses include any prepaid, unused, non-refundable Land/Sea Arrangements, any reasonable additional expenses for meals and lodging, and the cost of a one-way economy airfare ticket to catch up to the Land/Sea Arrangements or return to the place of origin shown on the travel documents.
Missed Connection
The Insurer will pay benefits, up to $2,000, for missed cruise departures that result from cancellation or delay of three (3) or more hours of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Covered Expenses are additional transportation expenses needed to join the departed cruise, reasonable additional accommodation and meal expenses, up to $500 per day and non-refundable Land/Sea Arrangements for the unused portion of Your cruise. Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided if You are able to meet Your scheduled departure but cancel the cruise due to Inclement Weather.
The Insurer will pay benefits, up to $2,000, for missed cruise departures that result from cancellation or delay of three (3) or more hours of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Covered Expenses are additional transportation expenses needed to join the departed cruise, reasonable additional accommodation and meal expenses, up to $500 per day and non-refundable Land/Sea Arrangements for the unused portion of Your cruise. Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided if You are able to meet Your scheduled departure but cancel the cruise due to Inclement Weather.
Itinerary Change
The Insurer will pay benefits, up to $1,000, in the event a cruise/tour supplier makes a change in Your Trip Itinerary that prevents You from participating in an event/activity which You prepaid prior to departure and is scheduled on Your Trip Itinerary. Covered Expenses include the non-refundable prepaid event activity expense. Benefits will not be paid if the event/activity is rescheduled during the course of the Covered Trip. Verification from the cruise/tour supplier of the change in the scheduled Trip Itinerary will be necessary for claim payment.
The Insurer will pay benefits, up to $1,000, in the event a cruise/tour supplier makes a change in Your Trip Itinerary that prevents You from participating in an event/activity which You prepaid prior to departure and is scheduled on Your Trip Itinerary. Covered Expenses include the non-refundable prepaid event activity expense. Benefits will not be paid if the event/activity is rescheduled during the course of the Covered Trip. Verification from the cruise/tour supplier of the change in the scheduled Trip Itinerary will be necessary for claim payment.
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PART B. MEDICAL PROTECTION |
Emergency Evacuation and Repatriation of Remains
The Insurer will pay benefits for Covered Expenses up to $200,000 if an Injury or Sickness commencing during the course of the Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of Your Injury or Sickness warrants an Emergency Evacuation. Emergency Evacuations must be verified, approved, and arranged in advance by On Call International. The Insurer will also pay Repatriation of Remains benefits for Transportation to return Your body to Your point of origin in the event of Your death during Your Trip. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Trip.
Emergency Evacuation means: (a) Your medical condition warrants immediate Transportation from the place where You are injured or sick to the nearest hospital where appropriate medical treatment can be obtained; and/or (b) after being treated at a local hospital, Your medical condition warrants Transportation to Your origination point to obtain further medical treatment or to recover.
Covered Expenses are customary and reasonable expenses, up to $200,000, for Transportation, medical services, and medical supplies necessarily incurred in connection with Your Emergency Evacuation. Expenses for medical services and supplies must be recommended by the attending Physician. All Transportation arrangements made for Your evacuation must be by the most direct and economical route possible. Expenses for Special Transportation must be: (a) recommended by the attending Physician; (b) required by the standard regulations of the conveyance transporting You; AND (c) verified, approved, and arranged in advance by On Call International.
Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Special Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Trip.
Additional Covered Expenses: If You are hospitalized for more than 7 (seven) days following a covered Emergency Evacuation, the Insurer will pay: (a) to return Your accompanying dependent children under age 18 to their home, limited to the cost of one-way economy airfare, less the value of applied credit from an unused return travel ticket, with an attendant if necessary; and/or (b) up to the cost of round-trip economy airfare to bring a person chosen by You to and from Your bedside if You are traveling alone. These expenses must be authorized in advance by On Call International.
Repatriation of Remains means the cost, according to airline tariffs, of the shipment of Your deceased body to Your point of origin if You die during the Trip. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation.
The Insurer will pay benefits for Covered Expenses up to $200,000 if an Injury or Sickness commencing during the course of the Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of Your Injury or Sickness warrants an Emergency Evacuation. Emergency Evacuations must be verified, approved, and arranged in advance by On Call International. The Insurer will also pay Repatriation of Remains benefits for Transportation to return Your body to Your point of origin in the event of Your death during Your Trip. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Trip.
Emergency Evacuation means: (a) Your medical condition warrants immediate Transportation from the place where You are injured or sick to the nearest hospital where appropriate medical treatment can be obtained; and/or (b) after being treated at a local hospital, Your medical condition warrants Transportation to Your origination point to obtain further medical treatment or to recover.
Covered Expenses are customary and reasonable expenses, up to $200,000, for Transportation, medical services, and medical supplies necessarily incurred in connection with Your Emergency Evacuation. Expenses for medical services and supplies must be recommended by the attending Physician. All Transportation arrangements made for Your evacuation must be by the most direct and economical route possible. Expenses for Special Transportation must be: (a) recommended by the attending Physician; (b) required by the standard regulations of the conveyance transporting You; AND (c) verified, approved, and arranged in advance by On Call International.
Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Special Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the Trip.
Additional Covered Expenses: If You are hospitalized for more than 7 (seven) days following a covered Emergency Evacuation, the Insurer will pay: (a) to return Your accompanying dependent children under age 18 to their home, limited to the cost of one-way economy airfare, less the value of applied credit from an unused return travel ticket, with an attendant if necessary; and/or (b) up to the cost of round-trip economy airfare to bring a person chosen by You to and from Your bedside if You are traveling alone. These expenses must be authorized in advance by On Call International.
Repatriation of Remains means the cost, according to airline tariffs, of the shipment of Your deceased body to Your point of origin if You die during the Trip. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation.
PLEASE NOTE: In no event will Covered Expenses for Emergency Evacuation and Repatriation of Remains exceed $200,000.
Accident & Sickness Medical Expense
The Insurer will pay benefits, up to $100,000, if You incur necessary Covered Medical Expenses as a result of an Injury, or up to $100,000 if You incur necessary Covered Medical Expenses as a result of Sickness. The accident causing such Injury must occur while You are covered under the policy, and the Sickness must first manifest itself during Your Trip. You must receive initial treatment within ninety (90) days of the accident which caused the Injury or the onset of the Sickness. All services, supplies, or treatment must be received within 52 weeks of the date of the accident or the onset of the Sickness.
The Insurer will pay benefits, up to $100,000, if You incur necessary Covered Medical Expenses as a result of an Injury, or up to $100,000 if You incur necessary Covered Medical Expenses as a result of Sickness. The accident causing such Injury must occur while You are covered under the policy, and the Sickness must first manifest itself during Your Trip. You must receive initial treatment within ninety (90) days of the accident which caused the Injury or the onset of the Sickness. All services, supplies, or treatment must be received within 52 weeks of the date of the accident or the onset of the Sickness.
Covered Medical Expenses are necessary services and supplies which are recommended by the attending Physician. They include the services of a legally qualified Physician, surgeon, graduate nurse, dentist, or osteopath; charges for hospital confinement and use of operating rooms; charges for anesthetics (including administration); x-ray examinations or treatments and laboratory tests; ambulance service; drugs, medicines, and therapeutic services and supplies. The Insurer will not pay benefits in excess of the reasonable and customary charges commonly used by providers of medical care in the locality in which the care is furnished.
Important: Medical Expense benefits are subject to exclusions listed on Pages 9-10.
EXCESS COVERAGE PROVISION
The coverage provided under Parts A and B shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.
EXCESS COVERAGE PROVISION
The coverage provided under Parts A and B shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.
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PART C. BAGGAGE PROTECTION |
Baggage/Personal Effects
The Insurer will reimburse You, up to $3,000, for loss, theft, or damage to baggage and personal effects. The Insurer will pay the lesser of the following: original cash value of the item less depreciation as determined by the Insurer; or cost of repair or replacement. The maximum benefit per article is $250. There will be a combined maximum of $500 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold, or platinum; furs, articles trimmed with or made mostly of fur; and lost cameras and their related equipment.
The Insurer will reimburse You, up to $3,000, for loss, theft, or damage to baggage and personal effects. The Insurer will pay the lesser of the following: original cash value of the item less depreciation as determined by the Insurer; or cost of repair or replacement. The maximum benefit per article is $250. There will be a combined maximum of $500 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold, or platinum; furs, articles trimmed with or made mostly of fur; and lost cameras and their related equipment.
Baggage Delay
You will be reimbursed for expenses of necessary personal effects, up to $1,000, if Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time You arrived at the destination stated on Your ticket. You must be a ticketed passenger on a Common Carrier.
The coverage provided under Part C shall be in excess of any reimbursement provided by the Common Carrier or other party responsible for the loss.
You will be reimbursed for expenses of necessary personal effects, up to $1,000, if Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time You arrived at the destination stated on Your ticket. You must be a ticketed passenger on a Common Carrier.
The coverage provided under Part C shall be in excess of any reimbursement provided by the Common Carrier or other party responsible for the loss.
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PART D. TRAVEL ACCIDENT PROTECTION |
Accidental Death & Dismemberment
If You sustain an Injury on the Trip (1) while in, on, boarding, or alighting from an air conveyance organized and licensed for the transportation of passengers for hire; or (2) after being struck or run down by an aircraft which results in death or loss of limb, eyesight, speech, or hearing within 365 days of the date of the accident; the Insurer will pay the largest applicable amount as follows up to $50,000: the benefit amount shown in the Schedule of Coverages for death, loss of speech and hearing in both ears, or loss of any combination of two hands, feet, or eyes; one-half the benefit amount for loss of anyone of these; one hand or one foot, speech, hearing in both ears, or entire sight of one eye; and one-quarter the benefit amount for loss of thumb and index finger of same hand. In no event will the Insurer pay more than the maximum benefit amount shown on the Schedule of Coverages for all losses due to the same accident.
Beneficiary: Your estate, unless notice of a designated beneficiary is provided to BerkelyCare.
If You sustain an Injury on the Trip (1) while in, on, boarding, or alighting from an air conveyance organized and licensed for the transportation of passengers for hire; or (2) after being struck or run down by an aircraft which results in death or loss of limb, eyesight, speech, or hearing within 365 days of the date of the accident; the Insurer will pay the largest applicable amount as follows up to $50,000: the benefit amount shown in the Schedule of Coverages for death, loss of speech and hearing in both ears, or loss of any combination of two hands, feet, or eyes; one-half the benefit amount for loss of anyone of these; one hand or one foot, speech, hearing in both ears, or entire sight of one eye; and one-quarter the benefit amount for loss of thumb and index finger of same hand. In no event will the Insurer pay more than the maximum benefit amount shown on the Schedule of Coverages for all losses due to the same accident.
Beneficiary: Your estate, unless notice of a designated beneficiary is provided to BerkelyCare.
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PART E. WORLDWIDE EMERGENCY ASSISTANCE (On Call International) |
Not a care in the world… when You have our 24/7 global network to assist you
Travel Arrangements
- CareFree™ Travel Assistance
- Medical Assistance
- Emergency Services
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
- Destination guides (hotels, restaurants, etc.)
- Weather updates and advisories
- Passport requirements
- Currency exchange
- Health and safety advisories
- 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 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 advisories, and immunization requirements
- Prescription drug replacement
- Replacement of eyeglasses, contact lenses and dental appliances
- Emergency evacuation
- Repatriation of mortal remains
- Emergency medical and dental assistance
- Emergency legal assistance
- Emergency medical payment assistance
- Emergency family travel arrangements
CareFree™ Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-866-509-7717 or, from outside the U.S. or Canada, call collect*: 1-603-328-1730.
*If You have any difficulty making this collect call, contact the local phone operator to connect You to a U.S.-based, long-distance service provider. 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 Virginia Surety Company, Inc., BerkelyCare, 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.
Note that the problems of distance, information, and communications make it impossible for Virginia Surety Company, Inc., BerkelyCare, 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.
DEFINITIONS
Air Common Carrier means an air conveyance operating under a valid license for the transportation of passengers for hire.
Bankruptcy means the filing of a petition for voluntary or involuntary bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code II L.S.C. Subsection 101 et seq.
Common Carrier means an air, land, or sea conveyance operating under a valid license for the transportation of passengers for hire.
Default means a material failure or inability to provide contracted services due to financial insolvency.
Immediate Family means children, step- or adopted children, children-in-law, parents, step-parents, parents-in-law, siblings, step-siblings, siblings-in-law, grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces, or nephews of You or Your Traveling Companion.
Inclement Weather means any severe weather condition that delays the scheduled arrival or departure of a Common Carrier.
Injury means bodily injury caused by an accident occurring while this plan is in force and resulting directly and independently of all other causes in loss covered by this plan. The Injury must be verified by a Physician.
Insurer means Virginia Surety Company, Inc.
Land/Sea Arrangements means land and/or sea arrangements made by Costco Travel.
Physician means a licensed practitioner of the medical, surgical or dental services acting within the scope of his/her license. The treating Physician may not be You, a Traveling Companion, or an Immediate Family member.
Sickness means an illness or disease which is diagnosed or treated by a Physician after the effective date of coverage and while You are covered under this plan.
Travel Supplier means the tour operator, cruise line, and/or airline providing travel arrangements for Your Trip.
Traveling Companion means one person who is booked to accompany You on Your Trip.
Trip means prepaid Land/Sea Arrangements and shall include flight connections to join and depart such Land/Sea Arrangements.
You or Your means a person who has purchased a Trip and who has paid the required plan cost for the coverage provided hereunder.
Bankruptcy means the filing of a petition for voluntary or involuntary bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code II L.S.C. Subsection 101 et seq.
Common Carrier means an air, land, or sea conveyance operating under a valid license for the transportation of passengers for hire.
Default means a material failure or inability to provide contracted services due to financial insolvency.
Immediate Family means children, step- or adopted children, children-in-law, parents, step-parents, parents-in-law, siblings, step-siblings, siblings-in-law, grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces, or nephews of You or Your Traveling Companion.
Inclement Weather means any severe weather condition that delays the scheduled arrival or departure of a Common Carrier.
Injury means bodily injury caused by an accident occurring while this plan is in force and resulting directly and independently of all other causes in loss covered by this plan. The Injury must be verified by a Physician.
Insurer means Virginia Surety Company, Inc.
Land/Sea Arrangements means land and/or sea arrangements made by Costco Travel.
Physician means a licensed practitioner of the medical, surgical or dental services acting within the scope of his/her license. The treating Physician may not be You, a Traveling Companion, or an Immediate Family member.
Sickness means an illness or disease which is diagnosed or treated by a Physician after the effective date of coverage and while You are covered under this plan.
Travel Supplier means the tour operator, cruise line, and/or airline providing travel arrangements for Your Trip.
Traveling Companion means one person who is booked to accompany You on Your Trip.
Trip means prepaid Land/Sea Arrangements and shall include flight connections to join and depart such Land/Sea Arrangements.
You or Your means a person who has purchased a Trip and who has paid the required plan cost for the coverage provided hereunder.
EXCLUSIONS
Naturally, as with any protection plan, limitations exist. These exclusions enable us to provide a broad range of benefits at an economical cost to You, without the necessity of medical questionnaires, and to supplement Your existing insurance plans.
IN PARTS A, B, & D:
ANY LOSS CAUSED BY OR RESULTING FROM: suicide or attempted suicide while sane; intentionally self-inflicted injuries; Sickness or disease except as provided for in the policy; war or any act of war whether declared or not; while serving as a member of the armed services; while or as a result of riding in any device for aerial navigation other than as provided for in the policy; participation in any professional or semi-professional team sports; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt thereat; scuba diving, unless it is recreational diving at less than 30 feet in depth; skydiving; hang gliding; parachuting (not including parasailing); contests of speed; elective surgery; dental treatment except as a result of Injury to sound, natural teeth; elective abortion; normal pregnancy, except if hospitalized; mental or nervous disorders, except if hospitalized.
IN PART C:
ANY LOSS OR DAMAGE TO: animals; automobiles and their equipment; boats; motors; motorcycles; other conveyances and their equipment (except bicycles while checked as baggage with a Common Carrier); household furniture; eyeglasses, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; money and securities; tickets and documents; sporting equipment if loss or damage results from the use thereof; personal computers.
ANY LOSS CAUSED BY OR RESULTING FROM: breakage of brittle or fragile articles such as cameras, musical instruments, radios, and similar property; wear and tear; gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; theft or pilferage while left unattended in any vehicle; mysterious disappearance.
IN PARTS A, B, & D:
ANY LOSS CAUSED BY OR RESULTING FROM: suicide or attempted suicide while sane; intentionally self-inflicted injuries; Sickness or disease except as provided for in the policy; war or any act of war whether declared or not; while serving as a member of the armed services; while or as a result of riding in any device for aerial navigation other than as provided for in the policy; participation in any professional or semi-professional team sports; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt thereat; scuba diving, unless it is recreational diving at less than 30 feet in depth; skydiving; hang gliding; parachuting (not including parasailing); contests of speed; elective surgery; dental treatment except as a result of Injury to sound, natural teeth; elective abortion; normal pregnancy, except if hospitalized; mental or nervous disorders, except if hospitalized.
IN PART C:
ANY LOSS OR DAMAGE TO: animals; automobiles and their equipment; boats; motors; motorcycles; other conveyances and their equipment (except bicycles while checked as baggage with a Common Carrier); household furniture; eyeglasses, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; money and securities; tickets and documents; sporting equipment if loss or damage results from the use thereof; personal computers.
ANY LOSS CAUSED BY OR RESULTING FROM: breakage of brittle or fragile articles such as cameras, musical instruments, radios, and similar property; wear and tear; gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; theft or pilferage while left unattended in any vehicle; mysterious disappearance.
TERM OF COVERAGE
- This protection is valid only upon payment to Costco Travel of the total required plan cost in advance of any losses and will not cover any losses suffered prior to purchase.
- The Trip Cancellation protection provided under Part A takes effect upon receipt of the required plan cost by Costco Travel and ends upon the commencement of Your Land/Sea Arrangements.
- The remaining coverages and services provided take effect at 12:01 A.M. local time at Your location on the contracted departure date of Your Land/Sea Arrangements and terminate on the earlier of the following: (a) Your return to Your origination point (as specified in the travel tickets); or (b) 11:59 P.M. local time at Your location on the day the Land/Sea Arrangements are scheduled to be completed; or (c) the date You cancel Your Trip.
- The duration of coverage shall be extended under the following conditions: (a) when You commence air travel from Your origination point: (i) within 2 days before the commencement of the Land/Sea Arrangements, coverage shall apply from the time of departure from the origination point; (ii) greater than 2 days before the commencement of the Land/Sea Arrangements, the extension coverage shall be provided only on the day of Your air travel; and b) if Your return to Your origination point: (i) within 2 days after the completion of the Land/Sea Arrangements, coverage shall apply until the time of return to the origination point; (ii) greater than 2 days after the completion of the Land/Sea Arrangements, the extension coverage shall be provided only on the day of Your air travel.
- The plan cost is non-refundable 7 days after the date you purchased the plan.
WHERE TO REPORT CLAIMS
PLAN NO. HTP02170
- TRIP CANCELLATION CLAIMS: Contact Costco Travel and BerkelyCare IMMEDIATELY to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.
- EMERGENCIES ARISING DURING YOUR TRIP: For covered emergencies requiring evacuation or interruption of Your Trip, contact On Call International immediately at the following numbers: Within the U.S. and Canada: 1-(866) 509-7717 or, outside the U.S. and Canada, call collect*: 1-(603) 328-1730. Give the above plan number and the details of Your problem or medical emergency.
*If You have any difficulty making this collect call, contact the local phone operator to connect You to a U.S.-based, long-distance service provider. 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. - CLAIMS NOTIFICATION UPON YOUR RETURN: Report Your claim as soon as possible to BerkelyCare. Provide the plan number above, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, BerkelyCare will promptly forward You the appropriate claim form to complete.
| Online: | www.travelclaim.com |
| Phone: | 1-(866) 231-1997 or 1-(516) 342-2720 |
| Mail: | BerkelyCare, 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 11753 |
| Office Hours: | 8:00 am - 10:00 pm EST, Monday - Friday; 9:00 am - 5:00 pm EST, 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; receipts from the hospital; police reports or claims reports from parties responsible (i.e., airline, cruise line, hotel, etc.) for loss, theft, damage, or delay. In the event of a baggage claim, receipts for 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 any delay.
PLEASE NOTE - Payment for the plan may not be accepted more than 7 days after initial booking date or after final payment for Your Trip has been made to Costco Travel, whichever comes first. If for any reason You wish to cancel Your coverage, You may do so by contacting Costco Travel within 7 days of the day the plan was purchased, provided this date is prior to Your scheduled departure date.
PLEASE NOTE - The plan cost is non-refundable 7 days after the date you purchased the plan.
PLEASE NOTE - Payment for the plan may not be accepted more than 7 days after initial booking date or after final payment for Your Trip has been made to Costco Travel, whichever comes first. If for any reason You wish to cancel Your coverage, You may do so by contacting Costco Travel within 7 days of the day the plan was purchased, provided this date is prior to Your scheduled departure date.
PLEASE NOTE - The plan cost is non-refundable 7 days after the date you purchased the plan.
This program is administered for the
passengers of Costco Travel by BerkelyCareSM:
passengers of Costco Travel by BerkelyCareSM:
IN CALIFORNIA: BerkelyCareSM is a service mark of Aon Direct Insurance Administrators, CA Insurance License #0795465.
IN ALL OTHER STATES: BerkelyCareSM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.
IN ALL OTHER STATES: BerkelyCareSM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.
For additional information regarding this plan,
call the Costco Travel Protection Help Line at:
1-(866) 231-1997 or 1-(516) 342-2720
Office Hours:
8 AM - 10 PM (EST), Monday - Friday
9 AM - 5 PM (EST), Saturday
call the Costco Travel Protection Help Line at:
1-(866) 231-1997 or 1-(516) 342-2720
Office Hours:
8 AM - 10 PM (EST), Monday - Friday
9 AM - 5 PM (EST), Saturday
This plan is underwritten by: Virginia Surety Company, Inc.
175 West Jackson Boulevard, 11th Floor, Chicago, IL 60604
Policy terms and conditions are briefly outlined in this Description of Coverage. Complete provisions pertaining to this protection plan are contained in the Master Policy on file with the trustee, Sun Trust Bank, Washington, D.C. and Costco Travel. In the event of any conflict between this Description of Coverage and the Master Policy, the Description of Coverage will govern.
Washington residents will be issued an Individual Policy. You may review the Washington policy online at www.costco.com, www.berkely.net/costco_wa or call 1-800-453-4090 to receive a sample copy.
175 West Jackson Boulevard, 11th Floor, Chicago, IL 60604
Policy terms and conditions are briefly outlined in this Description of Coverage. Complete provisions pertaining to this protection plan are contained in the Master Policy on file with the trustee, Sun Trust Bank, Washington, D.C. and Costco Travel. In the event of any conflict between this Description of Coverage and the Master Policy, the Description of Coverage will govern.
Washington residents will be issued an Individual Policy. You may review the Washington policy online at www.costco.com, www.berkely.net/costco_wa or call 1-800-453-4090 to receive a sample copy.