Terms - All Inclusive Resorts and Vacations

Tour Guard Travel Insurance Plan
Post-Departure Trip Interruption
If you must interrupt your trip after departure due to a covered injury, sickness, or death - your own or that of a Traveling Companion or a member of the Immediate Family - you will be reimbursed for the unused, non-refundable land or water arrangements, and the additional transport charges paid to return home or to rejoin your trip (limited to economy one/way airfare, or first class only, if your original tickets were in first class). Coverage is limited to the value of your original vacation package price.
Travel Delay - $500
Provides up to $100 per day (maximum $500) for reasonable accommodation and traveling expenses until travel is possible if you are delayed for more that 12 hours due to a covered reason such as common carrier delay; injury, sickness or death of you or your Traveling Companion; quarantine; loss of passport, travel documents or money; or natural disaster.
Medical Expense/Emergency Assistance - $10,000
Provides reimbursement for reasonable and customary medical expenses incurred within 365 days of a covered sickness which occurs while on your Apple Vacation; emergency dental treatment received during your trip; the costs for emergency transport to home or an appropriate hospital, including escort expense (both, if deemed necessary by the attending physician) for a covered injury or sickness which occurs while on your trip; or the cost of homeward carriage if deceased.
Accidental Death & Dismemberment - $10,000
These benefits are paid if loss occurs within 365 days of a covered injury which occurs while on your Apple vacation.
Baggage/Personal Effects - $1,000
Coverage for direct physical loss or damage to your baggage, passports, or visas while on your trip. A $500 maximum limit applies to jewelry, gems, watches, cameras and camera equipment, and furs - a $250 per article limit applies to all other items. If, while on your trip, your baggage is delayed for 24 hours or more, the Plan will pay up to $100 for the purchase of necessary additional clothing and personal articles.

Access Your Medical Records Online
With our exclusive Traveler PDQ Service, you can assure that your most important medical records are available to you or any Physician chosen by you, anytime, anywhere in the world, quickly, wherever internet access is available. Register at your convenience at www.travelerpdq.com or call toll-free 1-800-379-9887. Itís free during your insured Trip! Program Code: 430.

Tour Guard Coverage Terms and Conditions
The "Travel Protection Plan" brochure defines Traveling Companion as a person booked to share accommodations with you in the same room, cabin, apartment or condominium unit during your entire trip: Immediate Family Member as the following relatives - yours or those of your Traveling Companion - spouse, children, parents, step-parents, parents-in-law, sisters, brothers, sisters-in-law, brothers-in-law, sons-in-law, daughters-in-law, aunts, uncles, nephews and nieces, grandparents and grandchildren: and Sickness as an illness or disease of the body which requires treatment of a Physician. Sickness of you, a Traveling Companion, Immediate Family Member or Business Partner must commence while this plan is in effect for you.
This plan does not cover a loss that results from an illness, disease or other condition (of you, an Immediate Family Member, Traveling Companion or Business Partner), event or circumstance which occurs at a time when this plan is not in effect for you.
Certain exclusions and limitations apply and are detailed in the "Travel Insurance Certificate". For example, coverage does not apply to: a sickness or condition of you, a Traveling Companion or Immediate Family Member traveling with you that existed during the 60 days prior to the effective date of the coverages (this exclusion is waived if you purchase coverage within 7 days of your initial deposit/payment for your trip, and you are not disabled from travel when you make your plan payment), suicide, normal pregnancy, war or any act of war, mental or nervous disorders.
This is a brief description of the plan. For further information ask for the Certificate of Coverage which fully details the coverages, provisions, limitations and exclusions of the insurance offered and is available to you, upon request, at anytime prior to your purchase of the plan. We urge you to obtain and carefully examine this important document.

Claim Procedures
To make a change to your existing booking, to "claim the savings" per Apple's Best Price Guarantee or to cancel your vacation prior to departure, contact your travel agent who will notify Apple Vacations. Remember, your cancellation penalty will be refunded in Apple Vacations' travel certificates, with the balance of the refund made in the original form of payment--see above for complete details.
For all post-departure travel insurance claims (and for pre-departure cancellation claims for groups of 10 or more rooms and ski packages) contact Trip Mate at 1-800-888-7292 or write to them at Trip Mate, 9225 Ward Parkway, Suite 200, Kansas City, MO 64114. 464-03

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Travel Delay - $500 Provides up to $100 per day (maximum $500) for reasonable accommodation and traveling expenses until travel is possible if you are delayed for more that 12 hours due to a covered reason such as common carrier delay; injury, sickness or death of you or your Traveling Companion; quarantine; loss of passport, travel documents or money; or natural disaster. Medical Expense/Emergency Assistance - $10,000 Provides reimbursement for reasonable and customary medical expenses incurred within 365 days of a covered sickness which occurs while on your Apple Vacation; emergency dental treatment received during your trip; the costs for emergency transport to home or an appropriate hospital, including escort expense (both, if deemed necessary by the attending physician) for a covered injury or sickness which occurs while on your trip; or the cost of homeward carriage if deceased. Accidental Death & Dismemberment - $10,000 These benefits are paid if loss occurs within 365 days of a covered injury which occurs while on your Apple vacation. Baggage/Personal Effects - $1,000 Coverage for direct physical loss or damage to your baggage, passports, or visas while on your trip. A $500 maximum limit applies to jewelry, gems, watches, cameras and camera equipment, and furs - a $250 per article limit applies to all other items. If, while on your trip, your baggage is delayed for 24 hours or more, the Plan will pay up to $100 for the purchase of necessary additional clothing and personal articles. Access Your Medical Records Online With our exclusive Traveler PDQ Service, you can assure that your most important medical records are available to you or any Physician chosen by you, anytime, anywhere in the world, quickly, wherever internet access is available. Register at your convenience at www.travelerpdq.com or call toll-free 1-800-379-9887. Itís free during your insured Trip! Program Code: 430. Tour Guard Coverage Terms and Conditions The "Travel Protection Plan" brochure defines Traveling Companion as a person booked to share accommodations with you in the same room, cabin, apartment or condominium unit during your entire trip: Immediate Family Member as the following relatives - yours or those of your Traveling Companion - spouse, children, parents, step-parents, parents-in-law, sisters, brothers, sisters-in-law, brothers-in-law, sons-in-law, daughters-in-law, aunts, uncles, nephews and nieces, grandparents and grandchildren: and Sickness as an illness or disease of the body which requires treatment of a Physician. Sickness of you, a Traveling Companion, Immediate Family Member or Business Partner must commence while this plan is in effect for you. This plan does not cover a loss that results from an illness, disease or other condition (of you, an Immediate Family Member, Traveling Companion or Business Partner), event or circumstance which occurs at a time when this plan is not in effect for you. Certain exclusions and limitations apply and are detailed in the "Travel Insurance Certificate". For example, coverage does not apply to: a sickness or condition of you, a Traveling Companion or Immediate Family Member traveling with you that existed during the 60 days prior to the effective date of the coverages (this exclusion is waived if you purchase coverage within 7 days of your initial deposit/payment for your trip, and you are not disabled from travel when you make your plan payment), suicide, normal pregnancy, war or any act of war, mental or nervous disorders. This is a brief description of the plan. For further information ask for the Certificate of Coverage which fully details the coverages, provisions, limitations and exclusions of the insurance offered and is available to you, upon request, at anytime prior to your purchase of the plan. We urge you to obtain and carefully examine this important document. Claim Procedures To make a change to your existing booking, to "claim the savings" per Apple's Best Price Guarantee or to cancel your vacation prior to departure, contact your travel agent who will notify Apple Vacations. Remember, your cancellation penalty will be refunded in Apple Vacations' travel certificates, with the balance of the refund made in the original form of payment--see above for complete details. For all post-departure travel insurance claims (and for pre-departure cancellation claims for groups of 10 or more rooms and ski packages) contact Trip Mate at 1-800-888-7292 or write to them at Trip Mate, 9225 Ward Parkway, Suite 200, Kansas City, MO 64114. 464-03 For Information - Call Toll Free: (800) 227-9843 or Email: info@shadysidetvl.com For local calls (412) 241-8692 Fax Number (412) 241-8698 All inclusive Caribbean resorts. all inclusive resorts
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