Travel Insurance

Build-Your-Own Cruises

Applicable to bookings made on or after June 1, 2011.

For bookings made prior to June 1, 2011, a different policy applies.

We strongly encourage all of our customers to protect their travel investment from unexpected circumstances. To emphasize our commitment to this philosophy, we will include Travel Insurance to all customers who purchase a cruise of 5 nights or longer.

This insurance coverage provides protection for cancellation due to covered reasons, trip interruption, 24-hour worldwide assistance and much more. This program also offers you the ability to UPGRADE your coverage for an additional $24 per person for passengers up to 64 years of age at the time of your cruise or for $48 per person for passengers 65 years of age or over at the time of your cruise^. In addition to the coverages listed above, the upgraded policy provides coverage for pre-existing conditions, baggage delay, emergency medical expenses and much more. A side-by-side comparison of both policies is shown below. Both of these policies are offered through Trip Mate, Inc.

Note: If you make your reservation for a 4 night or less cruise online, and decline the optional insurance upgrade; you have not purchased any insurance coverage.  To purchase the standard policy, you must either call or email your request to Friendly Planet Travel.
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^ - The optional upgrade must be purchased no less than 90 days before the cruise departure date or, for bookings within 90 days of sailing, at the time of the booking.
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Note: Coverage shown below is only for the Build-Your-Own Cruises. If you purchased Build-Your-Own Flights, Hotel stays, and/or Car Rentals, the coverage is slightly different.

TRIP MATE CRUISE PROTECTION for clients of FRIENDLY PLANET TRAVEL
Coverage & Benefits	Standard Protection Plan Product ID # N7O1S	Optional Upgrade Protection Plan Product ID # N7O1D
Premium Costs	Included for all cruises of 5 nights or longer**.	Upgrade your insurance plan from the standard plan for $24 or $48 per person.
Trip Cancellation	Included Reimburses 100% of non-refundable cruise line imposed penalties if cancelling for a covered reason. Does not cover cancellations due to a Pre-Existing Medical Condition*	Included Reimburses 100% of non-refundable cruise line imposed penalties and includes a Pre-Existing conditions waiver. Upgraded Plan must be elected during the applicable election period (as detailed below) and the additional premium must be paid upon final payment of the cruise.
Trip Interruption	Included Reimburses a client for the unused cruise arrangements, plus the additional airfare to return home if a client must interrupt his/her trip for a covered reason. Does not cover an interruption due to a Pre-Existing Medical Condition*	Included Reimburses a client for the unused cruise arrangements, plus the additional airfare to return home if a client must interrupt his/her trip for a covered reason. Coverage includes a Pre-Existing conditions waiver. Upgraded Plan must be elected during the applicable election period (as detailed below) and the additional premium must be paid upon final payment of the cruise.
24 Hour Worldwide Assistance	Medical and legal referral services, language interpretation assistance, emergency cash transfers, travel document replacement services (for tickets and passports), lost baggage tracking, etc. during the cruise.	Medical and legal referral services, language interpretation assistance, emergency cash transfers, travel document replacement services (for tickets and passports), lost baggage tracking, etc. during the cruise.
Trip Delay	Not Included	Reimburses up to $500 for additional meal and accommodation expenses, plus unused/non-refundable land and water accommodations and additional air expense to catch up to the cruise, if client is delayed en route to or from the cruise for 5 hours or more due to a covered reason (such as traffic accident, road closings, flight delays, inclement weather, etc.)
Missed Connection	Not Included	Reimburses up to $500 for additional travel expenses to “catch-up” to a missed cruise ship departure because of a weather-related airline delay of 3 or more hours.
Emergency Medical Expenses	Not Included	Reimburses up to $50,000 for emergency medical expenses due to sudden and serious illness or injury that first occurs while on the cruise. Emergency dental expenses are covered up to $750 (only for accidental injury to natural teeth that occurs while on the cruise)
Emergency Medical Transportation	Not Included	Coverage up to $100,000 for evacuation from ship if, during his/her trip, an insured passenger needs to be transported for a covered reason to a hospital (or home) for emergency medical treatment.
Baggage/Personal Effects	Not Included	Reimburses up to $1,000 if baggage is lost or damaged during a trip, subject to a $300 per item maximum limit. Jewelry, watches, furs, cameras and similar equipment is limited to $500 in total.
Baggage Delay	Not Included	Reimburses up to $250 for necessary items if baggage en route to cruise is delayed or misdirected by a Common Carrier for more than 12 hours.
Insurance Certificates	Residents of New Hampshire Residents of New York state Residents of Washington state Residents of all other states	Residents of New Hampshire Residents of New York state Residents of Washington state Residents of all other states

The comparison above is a brief overview of the highlights of both policies. It is not intended to be a comprehensive, fully inclusive description of the policies. If you have questions about a specific personal situation, please contact Trip Mate: 1-800-888-7292

Policies underwritten By Nationwide Mutual Insurance Company

Important Notes:

• All clients in the same reservation (stateroom) must take the same level of insurance coverage.
• Optional upgraded insurance may not be elected less than 90 days before sailing or, for bookings within 90 days of the scheduled sailing date; not after the date booked.
• Residents of countries other than the United States should verify that the insurance policy(ies) are applicable to them prior to purchasing coverage.
• This plan may not be available in all jurisdictions.
• Once purchased, insurance is non-refundable.

* Criteria for pre-existing conditions waiver are:

1. The upgraded coverage was purchased at the time of your initial deposit or with the final payment for your covered trip.
2. You were medically able to travel on the date that the coverage was purchased

• Please be advised: This optional coverage may duplicate coverage already provided by your personal auto insurance policy, homeowner's insurance policy, personal liability insurance policy or other source of coverage. This insurance is not required in connection with the Insured's purchase of travel tickets.
• Coverages may vary slightly based on your state of residence. Please carefully review the insurance certificate for details and, for any specific questions, contact Trip Mate at 1-800-888-7292.

** Because travel insurance coverage is so important, the Standard Cruise Protection Plan is automatically included in our price quotes for cruises 5 nights and longer. If a client wishes to decline insurance for a cruise 5 nights or longer, the actual premium cost of the Standard Plan (2.1% of the cruise fare excluding port taxes and fees) will be deducted upon request. Passengers booking a cruise of 4 nights or less may purchase the standard insurance plan for a cost of 2.1% of the cruise fare excluding taxes and port fees. Upgraded coverage is available for $29 per person in addition the the standard plan cost.