Why do I need CunardCare?
CunardCare can protect you against a number of unexpected occurrences that may affect your travel plans. For example, if a medical problem involving you, a member of your immediate family or your traveling companion suddenly arises causing you to cancel your cruise or return home earlier than planned, you probably would not receive a full refund of your vacation payment. CunardCare is specially designed to reimburse you for the monies forfeited in such instances.
You may also need this program to supplement your existing
insurance policies while traveling. Many medical policies, including Medicare,
do not provide coverage for medical expenses incurred outside the
CunardCare also responds in many other unexpected circumstances such as providing potentially costly air ambulance transportation in emergencies and locating English-speaking medical and legal assistance worldwide, 24-hours a day. The Schedule of Coverages and Services below summarizes the wide array of benefits and services included automatically under CunardCare.
Are There Exclusions?
In order to provide this package of benefits at an economical cost without requiring medical exams or questionnaires, certain restrictions do apply.
Most notably, NO COVERAGE CAN BE PROVIDED FOR CONDITIONS WHICH EXISTED SHORTLY BEFORE OR WHEN YOU PURCHASED CUNARDCARE.
However, as a service to its guests who enroll in CunardCare, Cunard Line will issue a future travel credit equal to either (1) the penalty incurred as a result of cancellation or (2) the pro-rated amount of the cruise cost remaining in the event of trip interruption. Only Cunard Line can offer this special credit feature.
Naturally, the program also does not provide duplicate payments if there are other sources of reimbursement available. Such restrictions are standard in virtually all travel protection products. All terms, conditions and exclusions of this program are explained in detail in the Description of Coverage section of this plan.
How Do I Enroll In CunardCare?
For your convenience, the cost of coverage, which is a small percentage of your total cruise price, will be automatically included in the final balance due on Cunard’s invoice to your Vacations To Go cruise counselor. Enrollment in CunardCare is made by simply paying this balance. If you do not wish to take advantage of this coverage, please ask your cruise counselor to deduct the cost of coverage from the balance due. Payments for this plan will not be accepted after the later of the following; Your final cruise payment date or the commencement of Cunard Line’s penalty period.
If I’m Not Completely Satisfied, Is My Coverage Refundable?
If you are not completely satisfied within 10 days of receipt of this Description of Coverage, you may request a full refund of the plan cost provided you have not already departed on your trip.
Where May I Call For More Information?
Please call the plan administrator, BerkelyCare, toll-free at 1(800) 323-3153. CunardCare Customer Care Representatives are available Monday through Friday to answer any questions.
Schedule of Coverages And Services
Travel Arrangement Protection
Provided by Cunard Line
Maximum Limit (Per Person) - A
Trip Cancellation.............. Total Trip Cost up to $50,000
Trip Interruption Total...... Trip Cost up to $50,000
Important: For trip costs exceeding $50,000 per person, please refer to Cunard’s Future Travel Credit Feature deatailed below.
Travel Insurance Benefits
Underwritten by National Union Fire Insurance Company
Maximum Limit (Per Person)
Policy No. 3039-9500351
Trip Delay........................................................ $1,000
Medical Protection - B
Accident Medical Expense................................ $20,000
Sickness Medical Expense................................ $20,000
Emergency Evacuation/Reparation of Remains... $50,000
Baggage Protection - C
Baggage/Personal Effects...................................$3,000 Baggage Delay .................................................$500
24-Hour Worldwide Emergency Assistance
Provided by AIG Assist
DETAILS OF COVERAGES AND SERVICES
Provided by Cunard Line
A - Travel Arrangement Protection
In the event You are prevented from taking Your cruise due to an Injury, Sickness or death to yourself, a Traveling Companion, or an Immediate Family member; or, You, or an Immediate Family member traveling with You, or your Traveling Companion is hijacked, quarantined, required to serve on a jury, served with a court order, or has his/her home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster, or is directly involved in a documented traffic accident while en route to departure, Cunard Line will pay benefits up to the maximum limit shown on the Schedule of Coverages for: (a) Trip Cancellation—non-refundable cancellation charges imposed by Cunard Line against Your Total Trip Cost; or the additional costs You may incur as a result of a change in the per-person occupancy rate of pre-paid travel arrangements if a Traveling Companion cancels his/her cruise for a covered reason and You do not cancel; (b) Trip Interruption—unused, non-refundable sea, land, or air expenses paid to Cunard Line and/or additional transportation expenses, less the value of applied credit from an unused return travel ticket, to return home or rejoin the original sea/land arrangements made by Cunard Line (limited to the same class of airfare originally purchased).
Please note: Reimbursement to WorldFare cruisers will be in the form of a restoration of days to Your WorldFare account.
NOTE: As respects air cancellation penalties, You will be covered only for air arrangements booked and prepaid through Cunard Line and flights connecting to such air arrangements booked and prepaid through Cunard. Cunard Line will not provide reimbursement for cancellation charges imposed on any other air arrangements You may book on Your own.
This program will also pay, 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 cruise.
Special Conditions—You must advise Cunard Line and BerkelyCare Ltd. as soon as possible in the event of a claim. Cunard Line will not pay benefits for any additional charges incurred that would not have been charged had you notified Cunard Line and BerkelyCare as soon as reasonably possible.
No reimbursement will be provided under Part A from any claims arising from any Injury, Sickness or other condition of Yourself, a Traveling Companion, or an Immediate Family member booked to travel with You which within the 60 day period before Your Trip Cancellation coverage began under this plan: A) first manifested itself, became acute or had symptoms causing a reasonable person to seek diagnosis, care or treatment; B) required taking prescribed drugs or medicine, unless the condition for which the prescribed drugs or medicine was taken remained controlled without any change in the required prescription; or C) required treatment or treatment was recommended by a Physician.
PLEASE NOTE; ALL COVERED REASONS FOR CANCELLATION OR INTERRUPTION OF YOUR CRUISE MUST FIRST OCCUR AFTER YOUR EFFECTIVE DATE OF TRIP CANCELLATION COVERAGE.
Please also see below for an important credit feature. If you have any questions concerning this exclusion or the future travel credits described below, please call BerkelyCare at 1(800) 323-3153 for further clarification.
Future Travel Credit Feature:
As a special service to its guests who have enrolled in the plan, Cunard Line will issue a future travel credit in the following instances.
(1) If You must cancel Your cruise and Your claim is denied due to a Pre-Existing Condition. The Future Travel Credit will be issued in the amount equal to the cancellation penalties imposed by Cunard Line.
(2) If Your Total Trip Cost exceeds $50,000 per person and you have a covered cancellation claim, Cunard Line will issue a future travel credit equal to the amount by which the cancellation penalties imposed exceed the $50,000 per person cash reimbursement covered by the plan. For covered interruption claims, the future travel credit will equal the amount by which the pro-rated amount of the cruise cost remaining exceeds the $50,000 per person cash reimbursement covered by the plan.
Underwritten by National Union Fire Insurance Company
Policy No. 3039-9500351
Travel Insurance Benefits
The Insurer will pay benefits for covered expenses, up to $1,000, for a trip delay of 12 or more hours due to Common Carrier (other than Cunard Line) caused delays (including delays as a result of inclement weather); 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; civil commotion, or riot.
Covered Expenses include any prepaid, unused, non-refundable sea/land arrangements made by Cunard Line and any reasonable additional accommodation and traveling expenses to catch up to the sea/land arrangements made by Cunard Line or to return to the origination point shown on your travel documents.
B - Medical Protection
Accident and Sickness Medical and Dental Expenses:
The Insurer will pay benefits, up to $20,000, if You incur necessary Covered Medical or Dental Expenses as a result of an Injury or Sickness. The Injury must occur while You are covered under the program, and the Sickness must first manifest itself during Your cruise. 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 for medical conditions must be received within 52 weeks of the date of the accident or the onset of the Sickness. Only dental expenses incurred during Your cruise are covered.
Covered Medical and Dental Expenses are necessary services and supplies which are recommended by the attending Physician or dentist. 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.
Excess Coverage Provision
The coverage provided under Parts A, B & Trip Delay shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.
Emergency Evacuation/Repatriation of Remains:
The Insurer will pay benefits for Covered Expenses, up to $50,000, if an Injury or sickness commencing during the cruise results in Your necessary Emergency Evacuation and/or Repatriation of Remains. 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 Evacuation means:
a) Your medical condition warrants Transportation from the place where you are injured or sick to the nearest medical facility where appropriate medical treatment can be obtained; and/or b) after being treated at a local medical facility, Your medical condition warrants transportation to the United States or Canada (where you reside) to obtain further medical treatment or to recover.
Repatriation of Remains:
The Return of Your body to Your Point of origin should You die during the cruise.
Covered Expenses are customary and reasonable expenses, up to $50,000, for Transportation, medical services such as an escort and medical supplies necessarily incurred in connection with Your Emergency Evacuation and/or the cost of reasonable and necessary services for the transport of Your remains from the place of death to your point of Origin. All Transportation arrangements made for Your Emergency Evacuation and Repatriation of Remains must be by the most direct and economical route possible. Expenses for Special Transportation, medical services and supplies must be: (a) recommended by the attending Physician; (b) required by the standard regulations of the conveyance transporting You; and (c) must be verified and approved in advance by AIG Assist, the assistance provider for CunardCare.
Transportation means any land, water or air conveyance required to transport You during an Emergency Evacuation or for Repatriation of Remains. 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 cruise. In no event will the benefits paid for Emergency Evacuation and Repatriation of Remains expenses exceed the coverage limit of $50,000.
Additional Covered Expenses: If You are hospitalized for more than seven days following a covered Emergency Evacuation, the Insurer will pay: (a) to return Your accompanying dependent children under age 25 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 alone. These expenses must be authorized in advance by AIG Assist.
C - Baggage Protection
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 cost of the item less depreciation as determined by the Insurer; or cost of repair or replacement. There will be a combined maximum limit of $1,000 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 cameras, video cameras, and their related equipment.
You will be reimbursed for expenses of necessary personal effects needed while at a destination other than Your place of residence, up to $500, if Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time You arrive at the destination stated on Your ticket.
Important: Coverage for these benefits is secondary to any coverage provided by a Common Carrier and/or insurance specifically insuring the lost, stolen, or damaged item(s).
Provided by AIG Assist
AIG Assist provides a 24-hour emergency telephone assistance service for Your benefit so that, in the event of an emergency during the term of this coverage, English-speaking help and advice may be furnished.
AIG Assist can help answer pre-travel inquiries such as immunization, visa and passport requirements for Your itinerary.
Emergency Cash Transfer:
If You need emergency cash during Your cruise, AIG Assist can help arrange a transfer through Your credit cards, family, friends, employer, or similar source.
Medical Consultation and Monitoring:
Should you need local medical care during Your cruise, AIG Assist can assist in contacting Your personal Physician or family, if necessary, to provide information on the care You are receiving.
Emergency Legal Assistance:
During the course of Your cruise, You may visit many foreign countries. Should any problems arise requiring legal assistance, AIG Assist can help You find English-speaking local counsel.
Emergency Medical & Dental Assistance:
Unexpected medical and dental emergencies can happen anywhere, anytime. You may be in unfamiliar surroundings when you suddenly need medical or dental care. AIG Assist can help You locate an English-speaking Physician or dentist or the nearest qualified medical facility, and can also assist in arranging for special emergency medical transportation, such as an air ambulance.
Lost Travel Documents & Ticket Replacement Assistance:
AIG Assist’s multilingual staff can provide assistance in handling unexpected complication such as lost passports, tickets, luggage, or other valuable travel documents or belongings. AIG Assist can also assist in making necessary new return travel arrangements for trip interruptions.
Emergency Medical Payments Assistance:
Many foreign hospitals require immediate settlement of bills before treatment or may withhold Your passport until they receive full payment. Physicians and hospitals worldwide can contact AIG Assist to confirm coverage, obtain guarantees, and if required, arrange for immediate settlement of Covered Medical Expenses if other sources are not available.
Emergency Medical Transportation:
AIG Assist will arrange and pay for medical transportation services required by You as a result of an Injury or Sickness which occurs during the coverage period and requires medical evacuation and/or Repatriation of Remains.
TO ACCESS EMERGENCY ASSISTANCE, CALL 1-(800) 543-3797 OR,
FROM OUTSIDE THE
Note that the problems of distance, information and communications make it impossible for National Union Fire Insurance Company, Berkely Care, Ltd., or AIG Assist to assume any responsibility for the availability, quality, use or results of an emergency service. In all cases, You are still responsible for obtaining, using, and paying for Your own required services of all types.
The following Terms, Definitions and Exclusions apply to Section I – Travel Arrangement Protection and Section II – Travel Insurance Benefits
- “Business Partner” – means an individual who is: (a) involved with You in a legal partnership; and (b) actively involved in the day-to-day management of the business.
- “Common Carrier” – means any land, water, or air conveyance operating under a valid license for the transportation of passengers for hire.
- “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, nephews, or a Business Partner or You or Your Traveling Companion.
- “Injury” – means bodily injury caused by an accident occurring while this coverage is in force and resulting directly and independently of all other causes in loss covered by this program. The Injury must be verified by a Physician.
– means National Union Fire Insurance Company of
- “Physician” – means a licensed practitioner of the healing arts acting within the scope of his/her license. The treating Physician may not be Yourself, 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 program.
- “Total Trip Cost” – means prepaid sea and/or land and/or air arrangements made by Cunard Line.
- “Traveling Companion” – means one person who is booked to accompany you on Your cruise.
- “You” or “Your” – means a person who has paid the required plan cost for the coverage provided here-under in addition to the required cruise deposit or full payment.
Naturally, as with any protection program, 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.
THIS PROGRAM DOES NOT COVER:
In Part A:
ANY LOSS CAUSED BY OR RESULTING FROM: Pre-Existing Conditions.
In Parts A & B:
ANY LOSS CAUSED BY OR RESULTING FROM: Sickness or disease except as provided for in the policy; war or any act of war whether declared or not; participation in any professional, semi-professional, or inter-scholastic team sports; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; contests of speed; elective surgery; elective, non-emergency dental treatment; 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); eyeglasses, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; money and securities; tickets and documents.
ANY LOSS CAUSED BY OR RESULTING FROM: wear and tear, gradual deterioration.
Eligibility: This program is
available to Cunard Line guests for whom travel arrangements are finalized at a
Plan Cost and Term of Coverage
1) This protection is provided in consideration of the payment in advance of the total required plan cost.
2) The Trip Cancellation coverage provided under Section I, Part A goes into effect the day Cunard Line receives the required plan cost. Payments for this plan will not be accepted after the later of the following: Your final cruise payment date or the commencement of Cunard Line’s penalty period.
3) 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 sea/land arrangements by Cunard Line and terminate on the earlier of the following: (a) Your return to your origination point (as specified in the travel documents); or (b) 11:59 P.M. local time at Your location on the day the sea/land arrangements made by Cunard Line are scheduled to be completed.
4) The duration of coverage shall be extended under the following conditions: (a) when You commence air travel from Your origination point (i) within 7 days before the commencement of the sea/land arrangements made by Cunard Line, coverage shall apply from the time of departure from the origination point; (ii) greater than 7 days before the commencement of the sea/land arrangements made by Cunard Line, the extension coverage shall by provided only on the day of Your air travel; and (b) if You return to Your origination point (i) within 7 days after the completion of the sea/land arrangements made by Cunard Line, coverage shall apply until the time of return to the origination point; (ii) greater than 7 days after the completion of the sea/land arrangements made by Cunard Line, the extension coverage shall be provided only on the day of your air travel.
Policy No. 3039-9500351
1) TRIP CANCELLATION CLAIMS: Call Your Vacations To Go cruise counselor, Cunard Line, 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.
2) EMERGENCIES ARISING DURING YOUR TRIP: For covered emergencies requiring evacuation or interruption of Your cruise, call AIG Assist immediately. Indicate the policy number 3039-9500351 and give the details of Your problem or medical emergency.
Telex: 49619822 (Accessible Worldwide)
*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. 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.
3) CLAIMS NOTIFICATION UPON YOUR RETURN: Call or write to BerkelyCare as soon as possible to report Your claim and receive the appropriate claim form. Provide the policy number 3039-9500351, your travel dates, and details describing the nature of Your loss.
BerkelyCare Ltd. 1-(800)
IMPORTANT: To help facilitate prompt claims settlement after You have received the appropriate forms from BerkelyCare, please submit as applicable:
Receipts from the treating Physicians or suppliers, etc., stating the amounts paid and listing the diagnosis and treatment. Submit these first to your primary medical insurance carriers and then forward a copy of their final disposition of Your claim to BerkelyCare.
TRIP INTERRUPTION CLAIMS
A death certificate, if applicable, and medical statements from the doctors in attendance in the country where Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Provide all unused transportation tickets, official receipts, etc.
TRIP DELAY CLAIMS
Verification of the Common Carrier’s mechanical or scheduling problems. Provide all unused transportation tickets, official receipts, etc.
Police reports or claims reports from parties responsible (e.g., airline, cruise line, etc.) for loss, theft or damage to personal belongings. Submit claim first to party responsible. Forward copies of the outcome of Your claim to BerkelyCare, Ltd. with the appropriate documentation including copies of receipts for the lost, stolen or damaged articles.
BAGGAGE DELAY CLAIMS
Verification by the Commom Carrier who must certify the delay or misdirection. Provide receipts for necessary personal effects purchased.
This program was designed specifically for the ease and convenience of Cunard Guests by:
For additional Information,
Ask for the CunardCare desk at
The Travel Insurance Benefits
under Section II are underwritten by National Union Fire Insurance Company of
AIG - A Member Company of American International Group
The insured agrees to assert any
claim it may have under Section II of this policy only against the National
Union Fire Insurance Company of
If you are not completely satisfied within 10 days of receipt of this brochure, you may request a full refund of plan cost provided you have not already departed on your cruise.
Prices, terms, and conditions listed in this summary are subject to change without notice, and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking.
If you book a Cunard cruise, you can purchase insurance from Cunard (CunardCare) or from the independent insurance provider, CSA. Click here to see details of the CSA Travel Protection Plan.