Cruise Fest 2009 Ins

 

   

 

The attached document describes options  for Travel Insurance for CruiseFest 2009. If  you have questions, want a specific quote  or want to purchase the coverage – simply  contact us at the address or numbers  below. 

Zoe’s Travel Service  2306 Ravenwood Drive; Grand Prairie, TX 75050 

214‐674‐7693  Toll free voice mail: 866‐373‐5767   

CruiseFest2009 – Insurance Options  It's time to start thinking about travel insurance for CruiseFest 2009. Here is some information and web links to help you understand your options. As always - any questions - give us a call. After the final payment date for CruiseFest 2009 (December 1, 2008) if you have to cancel your trip, or if weather or another unforeseeable event cause you to miss the trip you will forfeit part or all of your investment in CruiseFest 2009 unless you have insurance coverage. We know you don't want this to happen and we don't want to have to explain to people that they have lost everything. That is why we recommend you purchase Trip Insurance. Not only will this type of coverage protect you if yo have to cancel or weather delays our trip you will receive coverage while on the trip for accidents, lost luggage, illness and much more! Please review the information below which should help you decide which option you prefer. If you have questions, or just want to discuss the options please call us (214.674.7693) send us an email ([email protected]) or see us at the Information meeting October 28, 2008 in Hot Springs Village. We provide you with two options for Travel Coverage. You can choose coverage offered by the cruise line (NCL) or by a company offered by Zoe's Travel Service (CSA travel protection). There are significant differences in what each plan covers. There are coverage and cost differences between the two programs, but there is one big difference between the coverage’s you need to makes sure you understand. That big difference is: 

The NCL (cruise line) coverage only covers the Cruise cost portion of the CruiseFest package. This is about 50 to 60% of the total cost. The cruise line coverage only covers you during the cruise portion of the trip. Simply this means that if the bus cannot leave on time because of weather and we miss the cruise, Cruise line insurance WILL NOT pay!

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The CSA (Zoe's Travel) coverage covers ALL non-refundable portions of your CruiseFest2009 vacation including delays caused by weather, etc. It also covers you for the entire time you are on the trip from when you leave Hot Springs Village until you are back at the Village. Under this plan if the bus was delayed by weather and you missed the Cruise you WOULD BE covered under the CSA policy. Click this link for detailed information on CSA.

Zoe’s Travel Service     Phone: 214.674.7693 or 866.373.5767 (toll free Voice Mail) Email: [email protected] 

Refund Schedule :

 

The following schedule applies to all amounts of CruiseFest 2009 costs  including the donation to Hot Springs Village Rotary.

If you have to cancel you will forfeit the indicated percentage of the CruiseFest 2009 cost:

         

December , 2008 to Jan 30, 2009 - The $400 per person deposit January 31 to February 20, 200 - 50% of total CruiseFest cost After February 29, 2009 - 100% of total CruiseFest cost Taxes are always 100% refundable. If you purchase third party (some coverage other than those offered by Zoe’s please make sure you verify they will refund total costs of the Cruise for the same reason causing cancellation or delay.

How to get more information:  A summary of information is included on each option below. If you need more details call Zoe’s Travel  Service or check out the internet links below.  Click the logo to go to the site: 

 

 

 

 

 

 

Zoe’s Travel Service     Phone: 214.674.7693 or 866.373.5767 (toll free Voice Mail) Email: [email protected] 

CSA Travel Protection  CSA offers to Travel Insurance Packages: Freestyle and Freestyle Luxe.  Below is a chart describing the  coverage levels with examples of when the coverage may apply.  Of course you need to review detailed  coverage differences before purchasing as the chart is only an example.  The full description of the  policy can be seen by following the links below on the internet or by calling Zoe’s Travel for a copy of the  policy detail.CSA Travel protection insures millions of travelers every year with no hassle coverage  before, after and during your trip.  Insurance coverage is provided under a policy issued by United States  Fire Insurance Company.  Zoe’s Travel Service is licensed by the State of Texas to sell travel insurance.    Why buy travel insurance – because you never know….? Why buy from CSA –coverage designed  specifically for CruiseFest 2009, Superior Customer service, 10 day period to be sure CSA is who you  want to insure you and your trip! 

CSA Travel Protection: 

 

Zoe’s Travel Service     Phone: 214.674.7693 or 866.373.5767 (toll free Voice Mail) Email: [email protected] 

Estimated Cost Comparison for CSA Coverage for CruiseFest 2009    Age  Cabin Category 

56‐70  Freestyle 

Balcony  Ocean View 

Inside 

71‐75 

Freestyle  Freestyle  Luxe 

76‐80 

81‐84 

85 

Freestyle  Freestyle  Freestyle  Freestyle  Luxe  Luxe 

Freestyle  Freestyle  Freestyle  Luxe  Luxe 

$       124 

181 

171 

227            213            292            267  

          399            349            466 

92 

142 

131 

179            165            226            205  

          309            271            361 

          142             131 

          179            165            226            205  

            92  

          309            271 

Cost is for TWO people in a cabin who are in the same age bracket  

 

Click the logo to get more information or purchase the coverage! 

 

CSA Travel Frequently Ask Questions  Is it possible to insure pre-existing medical conditions? Yes, CSA accepts pre-existing medical conditions for you, your traveling companions and family members. Moreover, CSA offers its customers the flexibility to cover pre-existing conditions up to final payment. Pre-existing medical conditions are accepted with both our Freestyle and Freestyle Luxe plans when you meet two requirements. First, you must not be disabled from travel when you buy the insurance. Second, you must purchase the insurance prior to or within 24 hours of your final payment.

What's available to me before, during and after my trip? Before and during your trip, 24-Hour Emergency Hotline is available to assist you with various travel needs, including medical or legal referrals, emergency cash transfers, pre-travel advice,

Zoe’s Travel Service     Phone: 214.674.7693 or 866.373.5767 (toll free Voice Mail) Email: [email protected] 

         $  361 

translation services, identity theft resolution services, concierge services and more. If the unexpected occurs, our customer service representatives can assist you with any claims forms needed, as well as providing you the individualized attention you may need. Upon receipt of your completed claims forms, a dedicated claims agent will be assigned specifically to your case upon your return.

Can my traveling companions and I be insured on the same policy? Yes. Each policy can insure up to 10 travelers. Note that some benefits are subject to policy maximums; therefore, we typically recommend four travelers to a single policy to maximize your coverage. If the total trip cost is not equally shared by travelers, you may want to consider purchasing different policies.

Can I forego parts of the coverage? CSA Travel Protection offers comprehensive coverage to guard against gaps and lower benefit limits found in other types of insurance, such as credit cards and homeowner policies. Travel insurance plans are tailored for all types of vacationers. CSA insurance reimburses your pre-paid, non-refundable expenses if you cannot travel for a covered reason. It also provides postdeparture benefits in case you face the unexpected while traveling.

May I add coverage to my policy after I purchase it? Yes. If you purchase additional arrangements prior to your departure date, a simple phone call to customer service will allow you to add coverage. Should you need to extend the dates for your trip, you may do so by calling us prior to your scheduled return date.

What if I change my mind? If you purchase this plan and are not satisfied within 10 days of receipt, contact CSA Travel Protection directly to indicate your desire to cancel. If you haven't already left on your trip, you will receive a complete refund.

I understand I can cancel for any reason. How does that work and what percentage of my trip costs and premium will be reimbursed if I do? "Cancel for Any Reason" is an optional coverage, which can be added to our Freestyle Luxe plan. "Cancel for Any Reason" coverage is built to protect your pre-paid, non-refundable trip costs, such as cruise packages, tours and side trips if you must cancel. Your percentage of reimbursement will depend on how far from trip departure you are. The further you are from your departure date at time of cancellation, the higher the percentage of reimbursement. Reimbursement of the plan premium is not included under "Cancel for Any Reason." To be reimbursed for your plan premium, purchase the Freestyle Luxe plan prior to or within 24 hours of final payment. Note that "Return of Premium" coverage requires that everyone on the plan

Zoe’s Travel Service     Phone: 214.674.7693 or 866.373.5767 (toll free Voice Mail) Email: [email protected] 

must cancel. If only certain members of your group must cancel, "Trip Cancellation" benefits would be provided for covered reasons defined in the policy.

What does "Cancel for Business Reasons" include? "Cancel for Business Reasons" coverage is intended to protect the vacation plans of busy professionals from unforeseen business complications. For example, the insured is required to work, or the place of employment is rendered unsuitable for business due to a natural disaster, or the insured is directly involved in a merger or acquisition."Cancel for Business Reasons" is included with the Freestyle Luxe plan, and can be added to the Freestyle plan.

How does your "no out-of-pocket" service work? If you need medical assistance while traveling or en route to trip departure, you can call CSA's 24-Hour Assistance Hotline to get a referral within the CSA designated provider network of 30,000 physicians and 180,000 service providers worldwide. Then when you receive treatment, you simply acknowledge that you received the one-time care, which must be under $1,000, and the physician or service provider will submit paperwork to be reimbursed directly from CSA. This allows you to receive treatment without spending your vacation dollars when the unexpected occurs. If the medical expense is more than $1,000 the standard claims process would be in place. 24-Hour Assistance Hotline: toll-free inside the United States at (866) 922-0278; collect worldwide at (202) 974-6480.

Zoe’s Travel Service     Phone: 214.674.7693 or 866.373.5767 (toll free Voice Mail) Email: [email protected] 

NCL Insurance Coverage  NCL (the Cruise Line) provides unique coverage for its travelers.  Unique because NCL offers two levels  of coverage and they include benefits even if you cancel for a reason not covered by the insurance.  Below is a summary for the coverage offered by NCL as well as a cost example for the two levels of  coverage available?  NCL coverage is provided to NCL by national Union Fire Insurance Company.  Coverage must be  purchased and paid for by the final payment date.  Contact Zoe’s Travel service if yo have questions or  are interested in purchasing this Cruise ONLY coverage.   

Schedule of Coverage’s & Services  

Maximum Benefit (per  Insured) Up To  

   

Part A: Travel Arrangement Protection  Trip Cancellation 

Total NCL Vacation Cost

 

Trip Interruption 

Total NCL Vacation Cost 

Trip Delay 

$500

Enhanced Cancellation Protection (provided by NCL)

75% Cruise Credit

 

Part B: Medical Protection  Emergency Evacuation  

$25,000

 

Repatriation of Remains 

$5,000

 

Accident Medical Expense 

$10,000

Sickness Medical Expense 

$10,000

 

Part C: Baggage Protection  Baggage/Personal Effects 

$1,500 

 

Baggage Delay 

$750

   

 

 

Part D: Worldwide Emergency Assistance (AIG Assist)  Emergency Cash Transfer Assistance  24 Hours 

 

Medical Consultation & Monitoring 

24 Hours 

Emergency Legal Assistance 

24 Hours 

Emergency Medical & Dental Assistance

24 Hours 

 

Lost Travel Documents Assistance 

24 Hours 

 

Emergency Medical Payment Assistance

24 Hours 

   

 

Zoe’s Travel Service     Phone: 214.674.7693 or 866.373.5767 (toll free Voice Mail) Email: [email protected] 

               

Part E: Platinum Travel Protection Plan  Additional Benefits for Passengers who upgrade to Platinum Travel   Protection Plan

Platinum Travel Protection

Emergency Evacuation Repatriation of Remains Accident Medical Expense Sickness Medical Expense

adds $25,000 adds $5,000 adds $10,000 adds $10,000

Baggage/Personal Effects

adds $1,500

Enhanced Cancellation Protection Provided by NCL

Maximum Benefits (per person) up to $50,000 up to $10,000 up to $20,000 up to $20,000 up to $3,000

90% Cruise Credit

     

The benefits provided in this plan are subject to certain restrictions and exclusions, including the PreExisting Condition exclusion www.ncl.com. Please read this brochure in its entirety for a complete description of all coverage terms and conditions before purchasing. Note: Words beginning with capital letters are defined within this text.

      Cost of NCL Coverage    Cabin Category    Inside    Ocean View  Balcony   

Cost PER PERSON  Travel Protection  Platinum Protection  $99  $49  129  179  169  219 

Click the logo for coverage details      i

Zoe’s Travel Service     Phone: 214.674.7693 or 866.373.5767 (toll free Voice Mail) Email: [email protected] 

 

                                                            

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 Coverage and prices are for illustration and example only; please refer to referenced policies and web sites for  complete details before purchasing coverage. In most cases premiums for travel insurance are not refunded if the  coverage or the trip is cancelled. Call 214‐674‐7693 if you have any questions or do not understand the pricing or  coverage.       

 

   

Zoe’s Travel Service     Phone: 214.674.7693 or 866.373.5767 (toll free Voice Mail) Email: [email protected]