Direct Line Cruises is pleased to provide travel insurance through Trip Mate, Inc., one of the leading companies in the industry. Coverage is underwritten by the Nationwide Mutual Insurance Company. The Nationwide Group of Companies has a long history of financial stability, with over 135 billion dollars in assets and an A+ (Superior) rating by A.M. Best Company, independent analysts of the insurance industry since 1899.
The Standard Cruise Protection Plan is purchased by Direct Line Cruises on your behalf with all cruises 5 nights or longer. It may reimburse you for cruise line penalty charges if you have to cancel or interrupt your cruise for a covered reason such as sudden and serious illness, injury or death in the family. The Standard Cruise Protection Plan also provides 24-Hour Worldwide Travel Assistance Services during your cruise, such as medical emergency referrals, multi-lingual interpretation services, emergency cash advances, tracking lost or delayed baggage and replacing lost or stolen travel documents.
The Upgrade Plan is an optional plan available for you to purchase, which includes all of the benefits of the Standard Plan (trip cancellation/interruption and worldwide travel assistance services), and also includes a waiver of the Pre-Existing Medical Conditions exclusion which expands the Trip Cancellation/Interruption coverage under the Standard Plan, as well as additional benefits that may reimburse you for Baggage loss or delay and Emergency Medical Expenses incurred during your cruise vacation. The Optional Upgrade Plan is encouraged for clients who want more comprehensive travel insurance coverage and for those clients who want the added protection of a Pre-Existing Conditions Exclusion Waiver. The Optional Upgrade Plan is only available up to your final payment due date. If you make your cruise reservation less than 90 days before the sailing date, the Optional Upgrade Plan is only available if you elect it within 7 days after you book your cruise.
|TRIP MATE CRUISE PROTECTION PLAN COMPARISON
For Clients Of Direct Line Cruises
Underwritten By Nationwide Mutual Insurance Company
|Insurance Benefits/Services (Per Person)||Standard Plan||Optional Upgrade Plan|
|Reimburses 100% of non-refundable cruise line imposed penalties if a client cancels his/her trip for a covered reason (such as sickness, injury or death of the client, a traveling companion or family member).||Does not cover a cancellation due to a Pre-Existing Medical Condition (as defined in the policy) that existed during the 60-day period prior to the client’s final payment for the cruise.||Coverage is expanded to include a Waiver of the Pre-Existing conditions exclusion. The Upgrade 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.|
|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 (such as sickness, injury or death of the client, a traveling companion or family member).||Does not cover an interruption due to a Pre-Existing Medical Condition (as defined in the policy) that existed during the 60-day period prior to the client’s final payment for the cruise.||Coverage is expanded to include a Waiver of the Pre-Existing conditions exclusion. The Upgrade 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 Services||Included||Included|
|Provides 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||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||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||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||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||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.|
|To view the Standard Insurance Plan Certificate, CLICK HERE.
To view the Optional Upgrade Insurance Plan Certificate, CLICK HERE.
This outline provides a brief summary of the plan benefits. For a complete description of coverage and exclusions, see the Certificate of Insurance.
The Upgrade Plan is an optional plan available to purchase.
For cruises 5-nights or longer, the premium for coverage under the Optional Upgrade plan (if elected) is the following:
- $39.00 for each passenger under age 60
- $69.00 for each passenger age 60 but less than age 70
- $99.00 for each passenger age 70 but less than age 80
- $129.00 for each passenger age 80 or over.
For cruises less than 5 nights, the premium for coverage under the Optional Upgrade plan (if elected) is the following:
- $68.00 for each passenger under age 60
- $98.00 for each passenger age 60 to 69
- $128.00 for each passenger age 70 to 79
- $158.00 for each passenger age 80 or over.
- The Optional Upgrade Plan may not be elected after your final payment date. For cruises booked less than 90 days before the sailing date, the Optional Upgrade Plan is only available if you elect it within 7 days after the date on which you book your cruise.
- The same coverage election must apply to all passengers in a stateroom.
- Clients may add coverage for airline reservations (made through the cruise line*) for $19.00 per person. If you choose to purchase the Upgrade Plan and pay $19.00 per person in addition, your airline reservations (made through the cruise line*) will be eligible under that plan. If you choose not to purchase the Upgrade Plan, but choose to pay the $19.00 per person, then your airline reservations (made through the cruise line*) will be eligible under the Standard Plan that is purchased on your behalf by Direct Line Cruises if your cruise is 5 nights or longer.
* Air insurance as mentioned above is available only for bookings in which the cruise line's air has been utilized.
For questions about the Protection Plans, please call
Trip Mate at 1-800-888-7292.
For Standard Plan, reference Product ID # N701S
For Optional Upgrade Plan, reference Product ID # N701D
EFFECTIVE July 1, 2016