Trip Insurance / Cruise Protection
Help cover your travel investment and personal belongings while traveling. Consider enrolling in our Cruise Protection Program.
The Cruise Protection Program not only provides reimbursement for penalties that may be assessed due to cancellations for covered reasons, but also provides medical expense reimbursement for accidents overseas, whereas Medicare and other private insurance policies may not. And, if your Trip Cancellation claim is denied due to a pre-existing medical conditions, Crystal Cruises offers Cruise Protection Program participants a "Rollover Provision" that allows you to transfer the cancellation penalty amount to a future cruise.
Highlights of the Program Benefits & Assistance Services
Trip Cancellation & Interruption Protection
Coverage up to $50,000 per insured guest for non-refundable cancellation or interruption charges due to covered medical conditions of guests, their immediate family members or traveling companions. In addition, the plan covers certain non-medical reasons affecting the traveler.
Rollover Credit Feature – Provided by Crystal Cruises
If your total trip cost and cancellation penalties exceed $50,000 per insured and you have a covered Trip Cancellation, you will be reimbursed $50,000 in cash, plus a future Crystal Cruises Rollover Credit equal to the amount by which the cancellation penalties imposed exceed the $50,000 per insured cash reimbursement.
If you do not have a covered Trip Cancellation due to a pre-existing medical condition, you will be reimbursed in the form of a future Crystal Cruises Rollover Credit equal to the amount of the cancellation penalties imposed.
In both cases mentioned above, the Rollover Credit will be valid for cruises commencing within twelve (12) months from the date of cancellation. This rollover is non-transferable and not redeemable for cash.
Reimburses up to $2,500 per insured guest for additional accommodations and “catch-up” transportation expenses for covered delays of more than 12 hours.
Baggage Protection/Personal Effects Protection
Reimburses up to $3,000 per insured guest in the event of covered loss, theft or damage during the entire duration of your vacation. There is also a $1,000 Baggage Delay benefit which reimburses for the purchase of covered personal items should your bags become delayed for more than 24 hours.
Provides coverage up to $20,000 for an accident or up to $20,000 for sickness medical expenses incurred as a result of a covered illness or injury that first occurs during your cruise.
In the event of a medical emergency, coverage is provided for emergency medical transportation to the nearest medical facility qualified to treat your condition. In addition, the plan provides coverage for transportation of mortal remains in the event of death. Coverage is provided up to $50,000 per insured guest for Emergency Evacuation/Repatriation expenses.
24-hour Worldwide Emergency Assistance Services – Provided by On Call International
Provides 24/7 worldwide emergency assistance, including facilitation of cash transfers; pre-cruise health, safety and weather information; travel changes; lost luggage assistance; lost documents assistance; medical consulting and monitoring; legal, dental and medical referrals to overseas doctors or hospitals.
How To Enroll
For your convenience, the cost of the program, which is based on your total trip price, will be automatically included in the final balance due on Crystal Cruises’ invoice to your agent. Payment for this program may not be accepted the later of the following: final trip payment or commencement of the penalty period. The plan cost will be shown on your deposit receipt. Please ask your travel agent to confirm that your booking is correctly noted by our Reservations Department. Should you decide to purchase the Cruise Protection Program, simply pay the plan cost with your final payment. Trip Cancellation coverage takes effect upon receipt of the Crystal Cruise Protection Program payment. All other benefits take effect upon departure.
To obtain the Crystal Cruise Protection Program, simply ask your travel agent to provide you with a copy of the plan. You may also obtain a copy by contacting the program administrator, Aon Affinity at 1-800-521-4591 to receive a copy or to review any questions you may have regarding the plan.
This plan provides cancellation coverage for your trip and other insurance coverages that apply only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker.
Important: This is only a brief description of the program. For a summary of the terms, conditions and exclusions, please refer to the Cruise Protection Program which you will receive with your travel documents. The policy provides limited benefits. It does NOT provide basic hospital, basic medical, or major medical insurance.
This program was designed and administered by Aon Affinity.
Aon Affinity, is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc.; (AR 244489); in CA, MN & OK , AIS Affinity Insurance Agency, Inc. (CA 0795465); in CA, Aon Affinity Insurance Services, Inc., (0G94493), Aon Direct Insurance Administrators and AON Affinity Insurance Agency and in NY and NH, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. As an MGA we are acting on behalf of our carrier partner.
Travel Insurance is underwritten by Stonebridge Casualty Insurance Company, a Transamerica company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, HI, NE, NH, PA, TN and TX Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OH, OR, VT, WA and WY Policy Form #’s TAHC5100IPS and TAHC5200IPS. Certain coverages are under series TAHC6000 and TAHC7000.