Travel Insurance

Tour & Cruise Packages

Applicable to all bookings made on or after December 30, 2011.

For bookings made prior to December 30, 2011, a different policy applies.

To protect your travel investment, we strongly recommend purchasing travel insurance. Friendly Planet has negotiated special wholesale plans through our partner, ASSIST-CARD, starting at only $99 per person (depending on your total trip cost). Coverage is available to all travelers up to age 85, regardless of pre-existing conditions or nationality.

Our insurance policies must be purchased before or at the time of final payment and are non-refundable. After we receive your final payment, our travel insurance policies will no longer be available for purchase. To take full advantage of this comprehensive travel protection plan, we recommend purchasing the insurance at the time of booking, which ensures your deposit will be convered, and gives you the additional benefit of a free pre-existing condition waiver.

IMPORTANT NOTES:

1. For our tours to Cuba, this insurance program is not applicable, and we offer alternative coverage.
2. This coverage is not applicable to residents of New Hampshire.

Policies

PRIMARY POLICY: Benefits includes coverage for trip cancellation, interruption or delays; medical emergencies and evacuation; lost or delayed baggage; missed connections; and even connecting flights not purchased through Friendly Planet. See coverage details below.

PRIMARY PLUS POLICY: This new level of coverage includes all the benefits above, plus an exciting new feature: you can cancel your travel purchase for any reason and be reimbursed up to 70% of any payments which are normally non-refundable! See details on this new benefit below.

Price

Unlike expensive retail travel insurance plans that price coverage according to traveler characteristics, our travel insurance plan costs the same for all travelers, regardless of pre-existing conditions or trip duration. The cost of coverage is determined by the total trip cost per person. Total trip cost includes total travel expenses paid to Friendly Planet, excluding any discounts, plus the cost of any connecting flights not purchased through Friendly Planet.

Plan costs are as follows. All prices are per person.

Total Trip cost	Primary policy	Primary Plus policy including Cancel for Any Reason coverage
$0 – $1,500	$99	$169
$1,501 – $5,000	$139	$219
$5,001 – $7,500	$169	$289
$7,501 – $10,000	$199	$349

Getting complete coverage is as simple as selecting the Primary Plus Plan option when booking your travel package! If you wish to add insurance coverage to your booking or if you need to change your coverage before making your final payment, please call us at 1-800-555-5765.

Benefits

The primary benefits of our comprehensive insurance coverage include:

TRIP CANCELLATION & INTERRUPTION: Up to total trip cost. Covers non-refundable trip payments up to the air and land cost for cancellation prior to departure or trip interruption after departure, in the event of covered sickness, accidental injury or death, a strike that causes complete cessation of services, weather at the departure site which causes complete cessation of services, a terrorist incident, being terminated or laid off from employment and more. Please see your summary of coverage for a complete list of triggers.

TRIP CANCELLATION FOR ANY REASON: Cancel up to 48 hours prior to departure for ANY REASON with this upgrade plan and receive up to 70% of your vacation cost with no questions asked. Some examples of situations when you could benefit from this enhanced coverage:

• You have a friend or relative expecting a newborn baby close to your departure date
• You're a professional who may have an unexpected work conflict
• You're traveling with a significant other in a new relationship

PRE-EXISTING CONDITION EXCLUSION WAIVER: The pre-existing conditions exclusion will be waived at no additional cost provided that you purchase the insurance from Friendly Planet within 14 days of making the initial deposit/payment for your trip, and you are not disabled from travel at the time you pay your plan cost. We recommend purchasing travel insurance at the time of reservation in order to take advantage of this excellent benefit.

EMERGENCY EVACUATION & REPATRIATION: Up to $100,000 on Emergency Evacuation & $50,000 on Repatriation. Covers costs of transportation from the place where you are injured or sick to the nearest hospital or if your medical condition including death warrants transportation to the United States.

CASHLESS MEDICAL: Up to $25,000 on Emergency Sickness & $25,000 on Emergency Accident. CASHLESS emergency medical benefits give you the ability to avoid paying money out-of-pocket & post-trip claim forms when covered incidents arise. We will also help to arrange your visit (& transportation, if needed) to a hospital, urgent care center, physician, or specialist.

TRIP DELAY: Up to $150 per day for up to 5 days. Reimburses additional expenses incurred by you for hotel accommodations and meals if you are delayed 6 hours or more. We will not pay benefits for expenses incurred after travel becomes possible

CONNECTING FLIGHTS: Up to total cost of connecting flights not purchased through Friendly Planet if you cancel these flight arrangements for a covered reason. When purchasing travel insurance, please be sure to anticipate the cost of your connecting flights when calculating your total trip cost so that you select the correct insurance plan.

BAGGAGE & PERSONAL EFFECTS: Up to $1,000. Covers loss, damage or destruction.

BAGGAGE DELAY: Up to $250. Covers purchases, clothing, etc., if baggage is delayed 24 hours or more.

24-HOUR TRAVEL ASSISTANCE: 24 hour hotline to provide help and legal assistance for medical and legal emergencies.

CONCIERGE & ASSISTANCE: Extended personal service for lost luggage tracking, event ticketing, language services, destination profiles, pre-trip services & more.

CANCEL FOR ANY REASON (Primary Plus Plan): This wonderful new option to our insurance coverage allows your to cancel your tour for any reason, even for reasons not normally covered by our standard policy, and receive reimbursement for up to 70% of any non-refundable payments less the cost of the insurance. How does it work?

1. The Cancel for Any Reason option must be chosen at the time of booking. It cannot be added after your reservation has been completed.
2. If you have to cancel for a non-covered reason, you simply contact Friendly Planet to cancel your reservation. This must be done at least 48 hours prior to departure (you cannot be a no-show with this coverage). After we have processed any refund normally applicable, ASSIST-CARD will refund you the rest, up to 70% of all payments which were non-refundable up to the maximum benefit
3. If you have to cancel for areason normally covered by our Standard Plan, you are still eligible for complete reimbursement of all non-refundable payment up to the maximum benefit.
4. All other terms and conditions of the policy are exactly the same as the Primary policy.
5. All premiums are non-refundable regardless of which plan you select.

The travel insurance policy contains exclusions and limitations. Please see policy terms & conditions for full details. All policies are underwritten by Virginia Surety Company, Inc., 175 West Jackson Blvd, Chicago, IL 60604.

This is only a brief description of the insurance benefits and travel services provided. Our travel insurance plan also provides additional benefits. We will send complete details to you in your confirmation email. To review a specimen policy for your state, please view the summary of coverage.

Claims or Assistance

For questions or help prior to travel, call ASSIST-CARD at 1.888.376.1004.
For assistance during or after travel, call ASSIST-CARD at 1.866.978.4704 (24 hours a day).