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Travel Protection Plan

Description of Coverage

program designed by

HTP07245

D e s c r i p t i o n o f C o v e r a g e s P o l i c y N u m b e r : H T P 0 7 2 4 5

Schedule of Coverages & Services

Maximum Benefits Per Person

P a r t A - T r a v e l P r o t e c t i o n T r i p C a n c e l l a t i o n . . . . . . . . . . . . T o t a l T r i p C o s t - M a x . $ 1 0 , 0 0 0 T r i p I n t e r r u p t i o n T o t a l T r i p C o s t - M a x . $ 1 0 , 0 0 0 T r i p D e l a y . . . . . . ............. . . . . . . . . . . . . . . . . . . $ 1 0 0 / D a y - M a x . $ 5 0 0

P a r t B - B a g g a g e P r o t e c t i o n B a g g a g e & P e r s o n a l E f f e c t s . . . . . . . . . . . . . . . . . . . . . . $ 1 , 0 0 0 B a g g a g e D e l a y . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 1 0 0

P a r t C - M e d i c a l P r o t e c t i o n E m e r g e n c y A c c i d e n t / S i c k n e s s M e d i c a l E x p e n s e E m e r g e n c y E v a c u a t i o n / R e p a t r i a t i o n o f R e ..... m a i n s . . . . .

$ 1 0 , 0 0 0 $ 2 0 , 0 0 0

Part D - Travel Accident Protection Accidental Death & Dismemberment (Air)

. . . . . . . . . .$25,000

W o r l d w i d e E m e r g e n c y A s s i s t a n c e S e r v i c e s P a r t I T r a v e l e r ' s A s s i s t a n c e 2 4 H o u r W o r l d w i d e I n c l u d e d P a r t I I M e d i c a l A s s i s t a n c e ... 2 4 H o u r W o r l d w i d e . . . . . I n c l u d e d P a r t I I I E m e r g e n c y C a s h T r a n s f e r 2 4 H W o r l d w i d e our . . I n c l u d e d

1

Part A - Travel Protection

T r i p C a n c e l l a t i o n / T r i p I n t e r r u p t i o n I n t h e e v e n t Y o u a r e p r e v e n t e d f r o m o r c o n t i n u i n g Y o u r T r i p d u e t o : a ) a c c i d e n t a l I n j u r y , S i c k n e s s , o r d e a t h o f Y o u r s e l f , a n I m m e d i a t e F a m i l y M e m b e r o r a T r a v e l i n g C o m p a n i o n , w h i c h r e s u l t s i n m e d i c a l l y i m p o s e d r e s t r i c t i o n s a s c e r t i f i e d b y a P h y s i c i a n a t t h e t i m e o f l o s s p r e v e n t i n g Y o u r c o n t i n u e d p a r t i c i p a t i o n i n t h e c o v e r e d T r i p ; b ) Y o u o r Y o u r T r a v e l i n g C o m p a n i o n i s h i j a c k e d , q u a r a n t i n e d r e q u i r e d t o s e r v e o n a j u r y , o r s u b p o e n a e d , ; c ) Y o u o r Y o u r T r a v e l i n g C o m p a n i o n h a s a h o m e t h a t i s m a d e u n i n h a b i t a b l e b y f i r e , f l o o d , v o l c a n o , e a r t h q u a k e , h u r r i c a n e o r o t h e r n a t u r a l d i s a s t e r ; d ) i s d i r e c t l y i n v o l v e d i n a d o c u m e n t e d t r a f f i c a c c i d e n t w h i l e e n r o u t e t o d e p a r t u r e , e ) w e a t h e r w h i c h c a u s e s c o m p l e t e c e s s a t i o n o f s e r v i c e s o f Y o u r C o m m o n C a r r i e r f o r a t l e a s t 2 4 c o n s e c u t i v e h o u r s , t h e I n s u r e r w i l l p a y b e n e f i t s u p t o t h e m a x i m u m l i s t e d i t h S c h e d u l e o f C o v e r a g e n e s f o r :

Trip Cancellation: non-refundable cancellation charges imposed by Discovery Cruises for Your Land/Sea Arrangements 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 person booked to share accommodations with You cancels his/her Trip for a covered reason and You do not cancel.

S p e c i a l C o n d i t i o n s : I n t h e e v e n t o f a c l a i m , Y o u m u s t a d v i s e D i s c o v e r y C r u i s e s a n d t h e C l a i m s A d m i n i s t r a t o r a s s o o n a s p o s s i b l e . T h e I n s u r e r w i l l n o t p a y b e n e f i t s f o r a n y a d d i t i o n a l c h a r g e s i n c u r r e d t h a t w o u l d n o t h a v e b e e n c h a r g e d h a d Y o u n o t i f i e d D i s c o v e r y C r u i s e s a n d t h e C l a i m s A d m i n i s t r a t o r a s s o o n a s r e a s o n a b l y p o s s i b l e .

T r i p I n t e r r u p t i o n : u n u s e d , n o n - r e f u n d a b l e l a n d o r s e a e x p e n s e s p r e p a i d t o D i s c o v e r y C r u i s e s a n d / o r t h e a i r f a r e p a i d , t o r e t u r n h o m e o r r e j o i n t h e o r i g i n a l L a n d / S e a A r r a n g e m e n t s ( l i m i t e d t o t h e c o s t o f o n e - w a y E c o n o m y A i r f a r e b y s c h e d u l e d c a r r i e r , f r o m t h e p o i n t o f d e s t i n a t i o n t o t h e p o i n t o f o r i g i n s h o w n o n t h e o r i g i n a l t r a v e l t i c k e t s ) l e s s t h e v a l u e o f a p p l i e d c r e d i t f r o m a n u n u s e d r e t u r n t r a v e l t i c k e t .

I n n o e v e n t s h a l l t h e a m o u n t r e i m b u r s e d e x c e e d t h e l e s s e r o f ; t h e a m o u n t Y o u p r e - p a i d f o r Y o u r T r i p , o r t h e m a x i m u m b e n e f i t s h o w n o n t h e S c h e d u l e o f C o v e r a g e s . 2

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