Why Should I Purchase Travel Protection?
Many travelers feel that a vacation is a significant financial investment and it's vital to protect your trip and yourself. No matter how much you may try to prevent anything happening to spoil your tripe, there are some things you simply cannot control. For example:

• What if your trip is suddenly canceled or interrupted?
• What if you need emergency medical help?
• What if your luggage is lost or stolen?

Our 24-hour Hotline Center can often solve your problems on the spot by assisting you with alternate travel arrangements, or by referring you to one of our medical providers.

What Happens If I Don't Use My Travel Benefits?
While some people may feel that they are entitled to a refund on unused insurance, the very nature of insurance is to protect yourself "just in case something happens." Just as your homeowner's insurance will not issue a refund of premium on unused coverage, your travel insurance premium has already been utilized by protecting you in the event of any incident.

If I'm Not Completely Satisfied, Is My Coverage Refundable?
If you are not completely satisfied within 10 days of receipt of the travel insurance certificate, you may request a full refund of premium, provided you have not already departed on your trip?

Are Assistance Services Included?
Yes. As part of your coverage, World Access Service Corporation is pleased to offer the Assistance Services at no additional cost.

Emergency Assistance - Around the Clock
In the event of a covered emergency for which you need assistance, just pick up the nearest telephone and call the hotline center. In the U.S., Canada, Puerto Rico and the U.S. Virgin Islands, call 800-654-1901. From all other locations call collect to 804-673-1159.
In some countries it may not be possible to call collect. If you need to phone the hotline directly, give your location and phone number so the hotline coordinator can call your back.
When calling the hotline center, give the hotline coordinator your identification number, your name, the name of the group to which you belong, your location, local telephone number and details of your problem. They will confirm your enrollment and provide you with help. If your emergency is immediate and life-threatening, seek local emergency assistance at once and contact World Access Service Corporation as soon as possible.

Medical Assistance
If you have medical problems and are unable to find local care, we will refer you to a local physician, dentist, hospital, medical facility or other appropriate resource, when available

Medical Condition and Monitoring
If you are hospitalized, hotline center medical staff will keep in frequent contact with you and your local physician to get information on the care you are receiving and to determine the need for further assistance. We will also contact your personal physician and family at home, if necessary.

Hospital Admissions Assistance
Our hotline center staff will guarantee coverage up to the amount listed for Emergency Medical and Dental Benefits in the Schedule of Coverage section to secure your medically necessary admission to a hospital.

Emergency Medical Transportation
All medical transportation services must be authorized in advance by the Access America Hotline Center. We will arrange and pay for medical transportation services required by you as a result of an injury or illness which occurs during the coverage period and requires medical evacuation and/or repatriation. A medical evacuation is defined as you being transported to the nearest appropriate medical facility as a result of our consulting physician and local attending physician's determination that adequate treatment is not available locally. A medical repatriation takes place once you have received medical care and the local attending physician and our consulting physician determine you are able to return home. All medical transportation services are provided only if they are determined to be medically necessary by the hotline center medical staff in consultation with the local attending physicians. We will arrange and pay, up to the amount indicated in the Schedule of Coverage section, unless otherwise specified below, for the following services and expenses:

• reasonable and necessary medical services required for your medical evacuation to the nearest appropriate facility from the place where the injury or illness occurred.
• reasonable and necessary escort expenses required by you during a medical evacuation, if this service is deemed medically necessary by our consulting physician and the local attending physician.
• if you will be hospitalized for more than seven consecutive days, we will pay for either the cost of a round trip economy air ticket over the most direct route to bring a friend or family member to your bedside, or the cost to return accompanying dependents under 23 years of age back to their home.
• the cost of an economy class ticket, or reasonable and necessary transportation costs, to repatriate you back home, less refunds from any unused return trip tickets.
• the cost of reasonable and necessary services for the transport of your remains from the place of death to your place of residence.

No coverage will be provided for loss(es) due to any General Program Exclusion or Pre-Existing Condition.

Travel Documentation and Ticket Replacement Assistance
The program provides you with information to assist in obtaining replacements of lost passports or other important travel documents. We also help you to replace lost airline and other travel tickets and will assist you in obtaining money for this purpose. These funds will come from your family or friends. We will make all the necessary arrangements for you, including helping you to return home if your trip is interrupted.

Emergency Cash Transfer
If your cash or traveler's check are lost or stolen, or if your need funds for the immediate payment of unanticipated expenses, we will help arrange to have emergency cash (in currency, traveler's checks or any other form acceptable to us) transmitted to you in a timely fashion. These funds will come from your family or friends. Our hotline center staff will make all necessary arrangements for you.

Legal Assistance
If you have legal problems, our hotline center staff will help you find a local legal advisor. If you require the posting of bail or immediate payment of legal fees, we will help arrange for a cash transfer from you family or friends.

The following maximum levels of coverage are available to Disney Cruise Vacations customers.

Who Is Covered
Coverage is available to Disney Cruise Vacations passengers for whom travel arrangements are finalized at Disney Cruise Vacations U.S. facility, when the appropriate premium has been paid to Disney Cruise Vacations and they travel on a Disney Cruise Vacations trip, within the limitations detailed below.
Traveling Companion(s) are those who accompany you and who share the same accommodations with you. Benefits for covered loss(es) you incur which are related to a "Traveling Companion" are payable only if these requirements are met.

When You Are Covered
Coverage is effective at 12:01 a.m. on the day your trip begins. Trip Cancellation coverage is effective on the date the insurance payment is received by Disney Cruise Vacations. Insurance payments will not be accepted after your final trip payment has been made to Disney Cruise Vacations. Coverage (except for Trip Cancellation) ends either at midnight on the day your trip ends, or when you return to your city of residence, or when your trip is canceled, whichever date is earliest. If your trip is delayed for covered reasons, coverage is extended until you are able to return home or 48 hours after the trip completion date, whichever is earliest.

• Plan is effective at the time of deposit and is completely refundable should the reservation be canceled prior to penalty period.
• Guests can cancel insurance within penalty as long as final payment has not been received.
• Insurance can be purchased once the reservation has entered into penalty as long as final payment has not been received.

What Is Covered
The following travel insurance benefits and the assistance services are designed to protect you for situations or losses which result from sudden and unexpected conditions or events. The programs do not cover conditions or events which, on the date of purchase, are either known to you or are likely to occur.

Emergency Medical and Dental Benefits
A maximum benefit of up to the amount listed in the Schedule of Coverage section of this Guide is provided for covered Emergency Medical or Dental expenses incurred as a result of accidental injury or illness occurring during the coverage period. This coverage is secondary to any existing health coverage that you may have.
Covered expenses are those incurred for healthcare services or supplies provided by licensed physicians, dentists, hospitals, and other licensed providers, which are medically necessary for:

• Emergency Medical Care to treat any medical condition which is acute (onset is sudden and unexpected) and considered life-threatening or, if left unattended, could deteriorate resulting in serious and irreparable harm, even death. If you received covered emergency medical treatment during your trip, additional medical expenses resulting from this accidental injury or illness will be covered if incurred within one year following the date of first treatment.
• Emergency Dental Care to treat any dental condition resulting from injury, infection, breakage to tooth surface, or loss of filling. Only dental expenses incurred during your trip are covered.

A medical or dental visit or examination by a licensed provider must take place during your trip.
Coverage is NOT provided for:

• Non-emergency services, supplies, or charges (examples are those for cosmetic surgery, physical exams, allergies, hearing aids, eyeglasses, contact lenses, palliative or cosmetic foot care, experimental treatment, or other services which are not medically necessary to provide Emergency Medical or Dental Care)
• Treatment received in non-hospitals or unlicensed facilities or given by unlicensed healthcare providers
• Treatment: given by a Family Member or a Traveling Companion, whether or not a licensed provider; for conditions caused by employment; provided by any government agency.
• Expenses incurred as a result of any General Program Exclusion or Pre-Existing Condition

Benefits may be coordinated with any other secondary coverage you may have and any benefits paid in excess of your actual loss may be recovered. Benefits may be assigned up to the maximum amount of your coverage.
Trip Cancellation coverage provides benefits for loss(es) you incur for trip canceled up to the time and date of departure. Trip Interruption coverage provides benefits for loss(es) you incur for trips that are interrupted or delayed after the time and date of departure. For purposes of benefit determination, the term "Family Member" means your spouse, parent, child(ren), sibling, grandparents or grandchild(ren); step-parent, -child, or -sibling; in-laws (parent, son, daughter, brother, or sister); aunt, uncle, niece, nephew; legal guardian; ward; or business partner; whether or not they travel with you.

• A maximum benefit of up to the amount listed in the Schedule of Coverage's section of this Guide and is provided to cover certain expenses listed below which are associated with cancellation or interruption of your trip due to: a) an injury or medical condition (whether or not death results) requiring you, a Family Member, Traveling Companion, or traveling companion's Family Member to receive treatment by a licensed physician who advised cancellation or interruption of the trip. This licensed physician may not be yourself, a Family Member of yourself or your Traveling Companion or a Family Member of the person whose condition caused the cancellation or interruption; an actual examination or visit must take place before the cancellation or interruption is made, and you must notify the appropriate travel supplier of your cancellation or interruption within 72 hours, unless the condition prevents it, and then as soon as possible. Failure to do so will result in a claim payment which is less than the penalty imposed for cancellation if the amount of the penalty was increased by your failure to notify the appropriate travel supplier within the required time frame. The insurer will not pay benefits for any additional charges incurred that would not have been charges had you notified these parties as soon as reasonably possible
• you, a Traveling Family Member or a Traveling Companion being hijacked, quarantined, required to serve on a jury, served with a court order, or having his or her home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster
• you, a Traveling Family Member or a Traveling Companion being directly involved in a traffic accident while directly en route to a departure
• bad weather, resulting in the complete cessation of services by the passenger's airline leaving them unable to reach their destination (note: every reasonable attempt must be made to depart on the vacation)
• you or a Traveling Companion who are on Active Military Duty in the United States Armed Forces
  1) have their personal leave revoked within 10 days prior to departure date (such revocation must be in writing by a superior officer and is not due to war-related situations, invocation of the War Power Act, base or unit mobilization, unit reassignment for any reason, or disciplinary action
  2) personal reassignment within 10 days prior to the departure date, whether temporary or permanent

Coverage is for:

• non-refundable trip payments or deposits made by you or a Traveling Family Member if your trip is cancelled
• the additional cost resulting from a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion's trip is canceled or interrupted for one of the above covered reasons and yours is not
• your reasonable, additional accommodation and transportation expenses up to $100 per day is a covered Traveling Family Member or Traveling Companion must remain hospitalized and you wish to stay with them
• reasonable, additional travel costs for you or a Traveling Family Member to reach your original destination if you must depart after your planned departure date due to one of the above reasons
• reasonable, additional transportation expenses needed to reach your return destination or to travel from the place your trip was interrupted to the place where you can rejoin your trip and the unused portion of any non-refundable land, sea and air arrangements that were paid as part of your trip, up to the maximum amount listed in the Schedule of Coverage section of this Guide.

The benefits paid under (d) and (e) above will not exceed the cost of economy airfare by the most direct route on the next available carrier, less any refunds paid to you. Benefits are provided up to the maximum amount listed in the Schedule of Coverage's section of this Guide.

Trip Cancellation/Interruption benefits do not cover loss(es) due to:

• any General Program Exclusion or Pre-Existing Condition
• you or a Traveling Companion: making changes to personal plans; having a business or contractual obligation; being unable to obtain necessary travel documents (passports, visas, etc); being detained or having property confiscated by any Customs authority
• carrier caused delays (including bad weather, except as considered above)
• prohibition or regulation by any government
• terrorist acts
• financial default
• strikes or natural disasters resulting in a complete cessation of services by an airline, tour operator or cruise line

Travel Delay Coverage
Coverage under the program will pay on a one-time basis, up to $100 per day, 5 day maximum, for the unused portion of your trip and reasonable additional accommodation and traveling expenses incurred by you due to a travel delay.
Covered reasons for Travel Delay are:

• you, a Traveling Family Member, or a Traveling Companion, being delayed by, but not directly involved in, a traffic accident while directly en route to a departure
• carrier caused delays (including bad weathers)
• lost or stolen passports, money, or travel documents
• quarantine
• hijacking
• unannounced strikes
• natural disaster
• civil disorder or unrest

No coverage will be provided for loss(es) due to any General Program Exclusion.

Baggage Coverage
If baggage or other personal effects are lost, damaged or stolen, we will pay the loss, up to the maximum amount listed in the Schedule of Coverage's section of this Guide, provided you have taken all reasonable measures to protect, save and/or recover your property at all times. You must also notify the appropriate local authorities at the place the loss occurred and inform them of the value and description of your property within 24 hours after the loss. Finally, you must file written proof and description of loss with us within 30 days of your return home, attaching copies of airline claims, police reports, an itemization and description of lost items and their estimated value, and all receipts, credit card statements, canceled checks, photos, etc. We do NOT cover defective materials or workmanship, ordinary wear and tear, and normal deterioration.
Property NOT covered:

• animals
• automobiles and equipment, motorcycles and motors
• bicycles, skis, snowboards (except when checked with a common carrier)
• aircraft, boats or any other vehicles or conveyances
• eyeglasses, sunglasses, contact lenses, hearing aids, artificial teeth and limbs
• tickets, keys, money, securities, bullion, stamps, credit cards, documents (travel or otherwise) and deeds
• property shipped as freight or shipped prior to your departure date
• rugs or carpet of any type
• more than $1,000 for all jewelry, watches, gems, furs, cameras, and camera equipment, camcorders, sporting equipment, computers, radios and other electronic items
• perishables, medicines, perfumes, cosmetics and consumables

Coverage is secondary to any coverage provided by a common carrier.
The program will pay the less of:

• the actual purchase price of the time, or
• the actual cash value of the item at the time of loss, with deduction for depreciation, or
• the cost to repair or replace the item.

No coverage will be provided for loss(es) due to any General Program Exclusion.
For items without receipts, the program will pay up to 75% of the determined depreciated value.

Baggage Delay Coverage
If your personal baggage is delayed or misdirected by a common carrier for at least 24 hours, the program will reimburse you on a one-time basis for the reasonable, additional purchase of essential items up to the amount listed in the Schedule of Coverage's section of the Guide. Verification of the delay by the common carrier and receipts for emergency purchases must accompany any claim.
No coverage will be provided for loss(es) due to any General Program Exclusion.

General Program Exclusions
These exclusions apply to all program services and benefits. If additional exclusions or restrictions apply to a specific benefit, they will be listed in the appropriate section.
This program does not cover loss, illness or injury due to: Intentionally self-inflicted harm: suicide (except for non-traveling Family Members only); normal pregnancy or childbirth: mental or nervous health disorders, including anxiety; alcohol or substance abuse, or related illness; war (whether declared or undeclared), acts of war, civil disorder or unrest (except as provided for in Travel Delay); participation in a professional athletic events or motor competition (including training).
No benefits are payable for losses due to expected or foreseeable events.
No benefits are payable for any loss not submitted to World Access within one year from the date of loss, unless otherwise indicated.

Non-Covered Reason - 75% Credit
If a guest inquires as to what happens if they do cancel the reservation for a non-covered reason, you can advise them that they are entitled to receive a credit equal to 75% of the non-refundable cancellation fee toward future travel, which commences within one year after the cancellation date. Guests will have to file a claim with Access America before the credit is applied to the reservation.

Application of 75% Credit
In order for the 75% credit to be applied to the new reservation:

• Look up the guests old reservation number
• Write down the guests CLIENT ID Numbers
• Make a new reservation by using the guests CLIENT ID Numbers from their old reservation
• Note in comments the original reservation number
• Fill out an Accounting Research Form with the new and old reservation number and necessary comments. The accounting department will verify the decline of the claim and apply the 75% credit to the new booking.

When guests rebook a package, the 75% credit can be used toward any rate, discounted or not, but the guest will not receive a refund if the cost of the package is less than the 75% credit.

Pre-Existing Conditions Exclusion

This exclusion applies to Trip Cancellation and Interruption Protection, Emergency Medical and Dental Benefits, and to those Travel Assistance Services related to medical problems.
This program does not cover losses or expenses if they result from:

• Any injury occurring prior to and including the effective date of insurance
• Any illness occurring during the sixty days prior to and including the effective date of insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment. However, if the condition is controlled (not exhibiting symptoms or requiring an adjustment of treatment or medication) throughout the sixty-day period by the taking of prescription drugs or medications and travel restrictions are not advised by a licensed physician, then the medical condition will not be considered a Pre-Existing Condition.

For the purposes of determining a Pre-Existing Condition, your "effective date of insurance" means the effective date of your Trip Cancellation coverage or, if no Trip Cancellation coverage is purchased, your trip departure date.

General Provisions Related to Insurance Benefits  

• All insurance coverage information in this Guide is subject to the terms and conditions of the Master Policy underwritten by BCS Insurance Company
• All suits, actions, or legal proceedings arising from the programs, benefits, or services provided through the programs (collectively "Controversies"), shall be submitted to arbitration in accordance with the rules then applying of the American Arbitration Association. No demand for arbitration can be brought to recover benefits until 60 days have elapsed following submission of your claim to World Access Service Corporation. No action in any form can be brought after three years from the date your claim was submitted to World Access Service Corporation. No action in any form can be brought after three years from the date your claim was submitted to World Access Service Corporation. World Access Service Corporation, by offering the program, and you, by purchasing the program, agree that arbitration is the exclusive means of resolving any and all Controversies and that both parties will submit any Controversies to arbitration. This agreement to arbitrate Controversies will apply whether the programs, benefits, or services were provided directly, or through, World Access Service Corporation.
• No agent or other person has authority to accept representation or information or alter, modify, or waive any of the provisions of this certificate
• Claims must be submitted to World Access Service Corporation within one year from date of loss unless otherwise specifically indicated.
• In the event that you are covered under another policy issued by the insurance carrier which provides the same benefits, the carrier will adjust your claim applying terms and conditions from the coverage which pays the most. Any premium paid for duplicate coverage will be refunded

DISNEY CRUISE LINE VACATION PROTECTION PLAN

The Vacation Protection Plan can be added to the reservation up to the final payment date. Once final payment, has been applied to the reservation then the insurance can not be added.

Net Rates
The cost of the Vacation Protection Plan does not change if the guest adds pre/post nights to the 7-night vacation.