Travel Guard Travel Protection

Congratulations you're about to embark on the vacation of your dreams. Many of you have saved for years
just so you could finally take that special vacation.

While you probably don't want to think about it, you should seriously consider investing in a quality Travel Guard Protection policy to insure your investment. Unfortunately, many of the trip insurance policies issued by the tour & cruise operators DO NOT provide you with ample coverage for pre-existing conditions, a cruise/tour operator's bankruptcy, lost tickets, lost passports or legal assistance.

TRAVEL INSURANCE
FREQUENTLY ASKED QUESTIONS & ANSWERS

Q. Nothing ever happens to me, why should I waste my money on Travel Insurance?
A. Ask our client who was riding a bike in Bora Bora and got hit by a truck! There were no hospitals just a clinic where no one spoke English, only French. He broke more bones than most people know that they have! He was prepared for travel and medivac'd back to the USA for extensive surgical repairs. His total transportation bill was in excess of $80,000.00, the travel insurance company arranged everything and paid the entire bill! Ask yourself, is this the kind of unforeseen incident you would like to self-insure?

Q. Could I miss my trip and lose my vacation investment too?
A. Yes, you could! You may actually forfeit your entire vacation payment if you can't go on your trip as scheduled because of sickness, injury, death, a cruise/tour operators bankruptcy, aircraft mechanical failure, or bad weather conditions.

Q. Would it cost me extra money if I have to come home early?
A. Yes it will! It will definitely cost you extra money to return home, plus you won't get any money back for the missed part of your trip.

Q. Should I be concerned about my medical insurance when on a trip?
A. Yes you should! Your medical coverage may be limited away from home, or you may not be covered at all.

Q. Are pre-existing medical conditions covered by most cruise lines?
A. Absolutely Not! Cruise line's insurance will not cover pre-existing medical conditions and they make a definite point to tell you so.

Q. Do cruise line's insurance policies cover "unforeseeable circumstances"?
A. No! Most do not cover any circumstance that is not specifically outlined in their policy.

Q. If I do not purchase my airfare to the port from the cruise line, will the cruise line's insurance policy cover my airfare or any problems resulting from the airlines as well as the cruise?
A. No! When you book your own airfare the cruise line's insurance will not cover anything but the cruise.

Q. Wouldn't it be comforting to know that you have expert help available when you need it?
A. Yes of course. When you're away from home unexpected situations can arise. With travel protection from Travel Guard you can enjoy a worry free vacation knowing that you're fully protected, and typically premiums are at a lower rate than the cruise lines would charge!

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TRAVEL GUARD TRAVEL PROTECTION

Cruise Club of America is proud to represent Travel Guard, one of the world's foremost travel insurance companies, offering comprehensive coverage at competitive rates.

TRAVEL GUARD'S "CRUISE, TOUR & TRAVEL"
POLICY HIGHLIGHTS

Travel Guard will cover pre-existing conditions at NO ADDITIONAL COST providing:

• You purchase the Travel Guard plan within fourteen (14) days of making your initial deposit.

• The amount of trip cancellation coverage purchased must equal the full cost of all trip arrangements.

• The booking for this trip must be the first and only booking for this travel period and destination.

• You must be medically able to travel when you pay your premium.

• Also if you purchase Travel Guard "Cruise, Tour & Travel" within 14-Days of making your initial trip deposit you will receive Change Your Mind Protection - up to $250.00 to cover non-refundable cancellation fees if you decide not to travel for any reason.

24-Hour Emergency Assistance Anywhere In The World

• Advancement of funds to cover emergency medical expenses

• Pre-Trip Travel Advice i.e. passport, visa and vaccine requirements

• Telephone interpretation in major languages

• Help in locating local physicians, dentists or medical facilities

• Lost Ticket & Passport Assistance

• E-mail or phone message relay to friends, family or business associates

Insurance Cost

Travel Guard has developed a pricing schedule which in most cases is comparably priced to that offered by the cruise lines. The Travel Guard program is based on the gross cost of the cruise and the age of the traveler. When you consider the additional benefits and protection that the Travel Guard plan provides, we believe that there is no better value and "peace of mind" insurance policy available, regardless of cost!

We urge you to consider protecting your vacation investment when you book your cruise. A Travel Guard insurance brochure is available upon request and is included with your CCOA confirmation letters for your convenience.