This website at www.travelner.com/nl-en (the "Site") is owned by Travelner B.V - a Travelner™ Group of Companies with - registration number 861994437. EU VAT Number: NL861994437B01. This Website sets out the Universal Terms and conditions under which you may use this Site (the "Terms''). The terms "we", "us", "our" and "Travelner" refer to Travelner B.V. The term "Travelner Group of Companies" refers to Travelner, its subsidiaries, and its corporate affiliates collectively. The term "Travelner Partners" refers to any affiliated, co-branded, and/or linked website through which Travelner provides links, content, or service. The term "you" refers to all individuals and/or entities accessing this Site and/or booking a reservation through us on this Website, or through our Customer Service agents.
The services made available by Travelner may only be used by customers who have first read Travelner's terms and conditions and have accepted these terms and conditions unconditionally. Please read the terms carefully. If you do not accept the Terms stated here, do not use this Site and services. By accessing or using this Site, you are indicating your acceptance to be bound by these Terms. If you do not agree to the Terms, please do not use or book any reservations through this Website or our Customer Service agents. Travelner may at any time change these Terms and conditions and your continued use of this Website is conditioned upon acceptance of the updated Terms and conditions. Customers undertake to fulfill the obligations contained in these General Terms and conditions. The agreement between Customers and Travelner comes into force as soon as Travelner has confirmed the booking in an email.
The following definitions have the same meaning whether they are singular or plural.
‘Service' or ‘Service element’ refer to service offered on the Website, including but not limited, flight ticket, transport services, accommodation services, tour, destination services, insurances, package services, e-visa services, etc.
'Destination Service' means the offering of tickets to events or tourist attractions at travel destinations, such as concerts or guided tours.
"Travel Supplier" or “Service Provider” - a vendor of one or more Service Elements. (e.g.: hotels, car suppliers, airlines). Travelner does not act as principal but makes arrangements with third-party vendor Travel Suppliers for Service Elements, all as defined above.
"Booking" - a negotiation process with the Travel Supplier carried out by you while using this Site for the purpose of obtaining one or more Service Elements that may result in a contract with the Travel Supplier at the time we receive full payment and accept your offer.
'Travelner' means Travelner B.V - registration number 861994437. EU VAT Number: NL861994437B01.
'Travelner, B.V.' means Travelner B.V, with its registered office at Kingsfordweg 151, 1043GR Amsterdam.
'Customer' means a Customer who reserves and/or books one or more Services offered on the website.
‘Rules and Restrictions' means the terms and conditions applicable to the relationship with the Service Provider with which the Customer has concluded a separate contract.
'Website' means the www.Travelner.com and www.travelner.com/nl-en website.
These Terms and conditions apply to the offering and delivery of services by Travelner. Travelner website is a platform connecting Customers and the various Service Providers.
These terms and conditions are subject to the Service Provider's Rules and Restrictions, which are made accessible to the Customer and accepted by the Customer at the time the service is booked. It is the Customer's responsibility to become acquainted with the Service Provider's Rules and Restrictions.
The terms and conditions can be changed by Travelner at any time without prior notice, although such changes do not apply to bookings that have already been accepted by Travelner on behalf of the applicable Travel Service Provider(s).
|Our Service Fees||May Apply To||Amount|
|Online Flight Booking Fees||Domestic and International|| €0.00 to €35.00 |
Per Person per-ticket
|Online Hotel Booking Fees||All Hotels|| Up to €42.00 |
(per room, per night)
|Online Car Rental Booking Fees||All Car Rentals|| Up to €40.00 |
|Online Tour Booking Fees||All Tours|| Up to €50 |
(per person per tour)
Certain exceptions to the above service fees apply:
Important Note: All service fees are subject to change without notice. YOU WILL BE CHARGED THE FINAL TOTAL PRICE AS QUOTED REGARDLESS OF ANY CHANGE OR VARIANCE IN THE SERVICE FEES. Please review the total final price carefully.
Most of our airline tickets are non-refundable. A refund is only available if our Service Provider’s fare rules allow cancellation and refunds, and we have accepted your request for a refund, you are not a "no show" (most "no show" bookings are in-eligible for any waiver from suppliers for refund processing), and if we are able to secure waivers from suppliers to process this requested cancellation and refund.
Most of our airline tickets are non-refundable. Airline Refunds/Future credits are subject to airline fare rules, policies and procedures.
Name changes on an airline ticket are not allowed.
If you wish to change or cancel flights booked online and paid for using PayPal, you must contact our Customer Service Team. Any fees for such change or cancellation must be made via credit card and will attract the applicable credit card surcharge.
Airline fees also apply where a booking is changed and when tickets or documents are re-issued. Where we incur any liability for an Airline cancellation fee for any booking which you change or cancel, you agree to indemnify us for the amount of that fee. Where you seek a refund for a cancelled booking for which payment has been made to the Airline, we will not provide a refund to you until we receive the funds from that Airline.
Travelner does not control the fees set by the airline and has no authority to waive them.
|Cancellation requested within 24 hours of booking|
|Applies To||Domestic||International and Business Class|
|Cancellation requested within 24 hours of booking|
|Applies To||Air - Economy||Air - Business/First|
|Assisted Cancellation w/Future Credit||€50||€50||€100||€100|
|Assisted Cancellation w/Refund||€100||€250||€250||€250|
|Changes to Existing Tickets (exchange)|
|Within 10 days of new travel date||€150||€250||€250||€250|
|Beyond 10 days of new travel date||€100||€200||€200||€250|
Travelner is able to help you request additional services with the airlines to make your trip more memorable. Please find below the list of services and fees that are charged on top of the applicable airlines’ fees.
|Passenger Name Misspelling||€ 50|
|Baggage Related Service||€ 25|
|No-Show Services||€ 25|
|Denied Boarding Services||€ 25|
|Duplicate Booking Services||€ 25|
|Advanced Seat Selection||€ 5|
All Special Services are on a request basis ONLY and are subject to each airline's review and approval process along with their fare rules, policies and procedures. Special Service Fees will be charged upon the provision of the service(s) and will only be refunded if the request is denied by the airline.
For changes/cancelations/refunds of Hotel reservation, all Travelner hotel reservation booking fees are non-refundable. Travelner will charge a service fee up to €25 per room in addition to supplier penalty fees, if any.
For changes/cancelations/refunds of Car reservation, All Travelner car rental reservation booking fees are non-refundable. Travelner will charge a service fee of €15 in addition to supplier penalty fees, if any.
In the event that changes or a cancellation is allowed for a vacation package, Travelner's service fee for processing such change or cancellation will be €75 per-passenger, per-ticket for flights, €25 per room per night for hotel and €15 for car bookings in addition to any fare difference and any applicable Travel Supplier fees.
Cancel and Refund: In the event that a portion of your vacation package is refundable, the refundable portion thereof will be refunded less any cancellation fee. No refund will be made for any unused or partially used portions of the vacation package.
Travelner may offer other travel products and services featured on our websites or quoted by our Support center. Please ensure you read the associated terms and conditions carefully and contact us if you have any questions.
In order to complete a Booking the following steps are taken to ensure its validity:
The Travelner email confirmation is NOT the contractual acceptance of the Booking, but merely an acknowledgement that we have received your offer. We will need to check the availability of the relevant Service Element(s).
If the relevant Service Element is available, your Booking will be processed. The contract pertaining to the relevant Booking is formed when payment in full has been received.
The contract between you and the relevant Travel Supplier will relate only to those Service Elements confirmed by email with ticket numbers in case of air or reservation numbers in case of hotels, cars or activities.
The terms of your Booking (such as price, availability and/or dates of travel) are not guaranteed until the contract is formed between you and the Travel Supplier and a ticket has been issued and/or a reservation has been made and confirmed by the Travel Supplier. Please note that once you have completed the Booking stage you can only cancel or change the details (such as names or destinations) of your Booking at our sole discretion and in accordance with these Terms & Conditions.
These Booking processes will apply to any of our individual Service Element's Terms & Conditions set out below. The airline ticket Terms & Conditions, the hotel Terms & Conditions, the car rental Terms & Conditions, the attractions and services Terms & Conditions supplement any area not covered by the Booking process. We reserve the right to change the Booking process at any time, with changes automatically taking effect from the date such changes are posted on the Site.
At all times throughout your trip a government-issued photo ID is required for security checks at airports, hotels and car rental locations and may be required for attractions and other products as deemed necessary by the relevant Travel Suppliers.
In addition to the required government-issued ID as stated above, proof of citizenship (Passport) is required for international travel. Please note that it is your sole responsibility to ensure that you meet the passport, visa, and/or health requirements of the countries you wish to visit and those that you transit (even if it is for a simple flight change). Many countries require that your passport should be valid for a minimum period from the date of arrival into that country. For any questions regarding what the applicable minimum period is and any other conditions or passport/visa requirements for travel, you should contact the corresponding local consulate of the countries to which you are travelling.
Neither Travelner nor its affiliates accept any responsibility, and you will not be entitled to any refunds whatsoever, if you are denied boarding, delayed or deported due to non-fulfillment of the above.
Travelner reserves the right to correct errors in any advertised price and, if applicable, give you an option to either cancel the Booking or allow Travelner to collect an amount equal to any increase in price from your provided credit or debit card, prior to your departure.
Once you have made your Booking, you cannot transfer or change the name(s) or destination(s) listed in your Booking.
Your Booking will be fulfilled on the delivery date set out in your ticket information email or, if no delivery date is specified, then on the date the ticket is issued, unless there are exceptional circumstances.
The terms of this agreement incorporate by reference the terms of each airline's contract of carriage. Passengers may inspect the full text of the contract of carriage at each airline's airport or city ticket offices. Passengers have the right, upon request to the airlines, to receive free of charge by mail or other delivery service the full text of the contract of carriage. The incorporated terms of the contract of carriage may include: (1) Limits on the airline's liability for personal injury or death of passengers, and for loss, damage, or delay of goods and baggage, including fragile or perishable goods; (2) Claim restrictions, including time periods within which passengers must file a claim or bring an action against the airline for its acts or omissions or those of its agents; (3) Rights of the airline to change terms of the contract; (4) Rules about reconfirmation of reservations, check-in times, and refusal to carry; (5) Rights of the airline and limitations concerning delay or failure to perform service, including schedule changes, substitution of alternate airline or aircraft, and rerouting.
Our total prices include all taxes and fees applicable to airfare, hotel accommodation, car rentals and activities included in your Booking, unless stated otherwise in your ticket information email or in these Terms & Conditions. Additional fuel surcharges, security, baggage, seat reservation, hotel incidentals, and other applicable service charges may apply which will be charged by the relevant Travel Supplier at time of check-in. You are solely responsible for any such additional charges due to the Travel Supplier. If you have any questions about such charges, please contact the relevant Travel Supplier directly.
Prices quoted for Service Element(s) do not include liability insurance, collision damage waiver, personal accident insurance, personal effects protection, drop-off charges, gas, child safety seats, sky racks or incidental room charges at the hotel (telephone, movies, energy surcharges and any applicable increases in taxes). All such charges must be paid at the car rental pick-up location and/or at the check-in counter at the hotel.
Prices quoted also do not include any additional flight fuel surcharges or other surcharges which may be imposed from time to time by the relevant Travel Supplier or authorities, all of which must be paid by you.
Payment must be made in full with a valid credit or debit card at the time of Booking. Travelner accepts all major credit or debit cards with a verifiable billing address.
You hereby authorize Travelner and its authorized third party to process the charge to the credit or debit card you provide to us for the total amount of your Booking.
You may be required by the relevant Travel Supplier(s) to present a valid credit or debit card at the time of check-in at the hotel and/or at the pick-up location of the car rental company to provide confirmation of authorized card usage and/or to secure any additional charges. The cardholder must be a traveler listed on your Booking.
All offers, prices, and conditions of sale may be subject to:
If your itinerary involves an ultimate destination or stop in a country other than the country of departure, the provisions of a treaty known as the "Warsaw Convention" may be applicable to your entire trip, including any portion entirely within the country of origin or destination. The Warsaw Convention governs and may limit the liability of certain air carriers for death of or personal injury to passengers and/or loss of or damage to baggage.
A reservation is not complete until confirmed/ticketed. To protect our customers, we verify with the credit/debit card company that the billing address and credit card verification number you provided to us is accurate and that your debit/charge will be accepted. Until such information is verified, the fare is subject to change. We are not responsible for any transaction that is declined based upon a credit/debit card that is declined by the issuing company or a travel provider or if, for any reason, the debit/credit card billing address and/or credit card verification number cannot be verified in a timely manner, nor are we responsible for any changes in fare or any other charges that may occur during our verification process. In the event the fare selected is not available an approval code may have been issued on your credit card. If the transaction is not completed the approval code may temporarily credit the amount from your bank account.
Any and all changes made to the itinerary are restricted and are subject to airline fare rules, whichever is more restrictive; most of our tickets, hotels, cars, packages and cruises do not allow any date or name changes after the booking is completed. Travelner does not guarantee, and shall not be responsible for, any bookings or reservations made or confirmed to you in the event that the original itinerary has been changed by the supplier pursuant to customer's request or supplier's schedule changes.
Most of our airline tickets are 100% non-refundable. In certain cases where the airline may allow cancellations, a credit may be valid towards a future ticket purchase by the same traveler on the same airline. Usually, the credit issued by the airline supplier has a specific expiration date, after which it cannot be used. We encourage you to discuss additional restrictions attached to your credit with customer support. All such bookings where the cancellation may be permitted must be cancelled prior to the scheduled departure time of the first flight segment by contacting our customer support center. We do not guarantee any cancellation. When you are ready to make your new booking and wish to use your airline credit, you will be required to pay the fare difference (if any), applicable airline penalties and any applicable Travelner post-ticketing fees. All such changes are governed by each airline's fare rules, policies and procedures, which are not under our control.
No additional representation is made for our exchange fees except that an agent will assist you in locating your desired new flights and attempt to re-book the new flights based on availability and other factors.
Travelner website is an interface connecting the Customer and the Service Providers with respect to offering and providing all Services.
In this article, you will find details of the Services provided by the Service Provider for the Customer's information. This information is not exhaustive and do not take the place of the Service Provider's applicable Rules and Restrictions. If there is any discrepancy or dispute between the terms and conditions and the Rules and Restrictions, the Rules and Restrictions will take precedence.
Unless otherwise specified by legal restrictions, these details do not imply any responsibility or liability on the part of Travelner
Air transport services may be offered separately or as part of a Package and are subject to the applicable rules and restrictions (including conditions of carriage, fare rules and restrictions) of the Service Provider. The rules and restrictions may include restrictions and/or fees for cancellations and changes. Please refer to these terms carefully prior to booking the respective air transport.
If Travelner receives payment from a customer for air transport services, Travelner acts as the agent of the respective Service Provider. This means the contract is concluded between the Customer and this Service Provider.
The Customer is responsible for complying with the instructions of the airlines and/or tour operators, in particular with respect to flight check-in times. Customers are advised to be at the airport for check-in at least three hours before the departure of international flights and at least two hours before the departure of domestic flights. Customers should arrive at their point of departure in plenty of time and need to bear delays with connecting flights in mind, in particular if the connection is paired with transport to another airport.
Travelner strongly recommends that Customers check in early if they want to have a specific seat. Travelner has no control over the distribution of seats, even if they have been booked in advance with the airline, and cannot give any guarantee that the desired seats will be available upon departure.
The flight times are stated in 24-hour clock time, and the departure times are based on the time zones at the departure location of the applicable flights and may vary depending on the flight schedules, aircraft types, weather conditions, etc. The actual flight time does not include the time on the ground during stopovers or for transfers, and therefore only serves as a guideline and is subject to changes and confirmations.
For return flights, it is often mandatory to reconfirm the flight with the airline (no later than 72 hours before the intended date of the flight). It is the responsibility of the Customer to reconfirm his/her return flight. For open return tickets, it is recommended to book the return flight as early as possible.
We would like to remind the Customer that if he/she books a return flight and does not use the outward flight, the airline will cancel the return flight. The flight will not be refunded. This also applies if you do not take the return flight and insofar as the ticket is not used at all. Flight coupons must be used in the correct sequence.
For some flights (generally charter flights and flights offered by so-called low-cost airlines), the flight schedules, aircraft types, flight route and possible stopovers are only given as an indication of the outward and return flights of the trip. These flights, aircraft types and flight numbers are subject to change, and can, in accordance with the Rules and Restrictions of the Service Provider, be moved by up to 24 hours, even after confirmation. Some airlines may charge extra for meals, luggage, preferred seats, etc. All pricing information that you see on the Website is for information only and can be changed at any time by the airlines.
A number of airlines (including low-cost airlines and charter airlines) communicate changes to flights and/or flight times directly to the Customer, for example, by email or text message, and display them on their website without informing Travelner. You must therefore always check your travel schedule and any changes to it in plenty of time before your flight.
The Customer is reminded that airlines sometimes refuse pregnant women if, in their opinion, the advanced stage of pregnancy involves a risk of premature birth during the flight.
Airlines determine that children older than 2 years on the return date must have a return ticket at a child's fare. Costs incurred as a result of the Customer’s failure to comply with this rule are not eligible for a refund. Children under the age of 2 are not assigned their own seat on the aircraft unless a child's seat has been booked for that child.
Unaccompanied children under the age of 14 will not be allowed onboard.
The Rules and Restrictions of Service Providers of air transport services are made available to the Customer prior to booking the respective air transport service. For practical information on preparing for a flight, please refer to Travelner's Customer Service resources
It is the responsibility of the Customer to inquire about regulations such as passport, visa, currency and health that relate to their journey, to comply with them and to pay the associated fees.
A passport with a validity of 10 years is necessary for all holidays offered on the Website. Some countries have an immigration requirement that a Customer's passport must be valid for a minimum period, typically 6 months, after the Customer enters that country. If a Customer's passport is valid for less than a year, the Customer is advised to check the requirements of the destination before making final travel plans. The name on the passport must match the name on the ticket, otherwise, the Customer may not be able to travel and insurance may be invalid. If, after booking a holiday but before travelling, any member of the Customer's party changes their name, e.g., as a result of getting married, the Customer must notify Customer Services or sending an email to [email protected].
Please note: It can often take some time to obtain a visa so Customers are advised to apply in plenty of time. Travelner is not liable for Customers who do not have the correct travel documents. Customers must also ensure that they are aware of any changes to the visa requirement prior to the trip. The Customer is responsible for compliance with all requirements that are necessary for the performance of the trip. Travelner is not responsible for the prompt issuance or receipt of the necessary visas and other travel documents. All reasonable losses of Travelner caused by the Customer’s failure to comply with these provisions will be borne by the Customer unless they are caused by incorrect or misleading information attributable to Travelner
All Customers wishing to enter or transit through the U.S.A. under the Visa Waiver Program (VWP) must apply for authorisation to travel using the Electronic System for Travel Authorisation (ESTA). Please allow sufficient time when making an ESTA application. We recommend submitting the application at least 72 hours before departure. For more information, please visit the US Department of Homeland Security's website at https://esta.cbp.dhs.gov.
A number of governments are introducing new requirements for airlines to provide personal information about all travellers on their aircraft. The data are collected either at the airport when a Customer checks in or in some circumstances when the Customer makes his/her booking. The Customer is therefore advised to allow extra time to check in for his/her flight.
The flight routes offered may include special fares that offer the best price but do not necessarily take the most direct route. Some itineraries require a change of aircraft en route. A flight that is described as direct is one where there is no need to change aircraft during the journey, however, stopovers may be made en route for refuelling or to let passengers on and/or off. Details of all stopovers will be given during the booking process and are clearly identified both on the Website and in the Customer’s email confirmation.
Many, but not all, airlines offer special fares for children under 2 years and for pensioners. These discounts depend on the airline, the flight concerned, the availability of seats and the passenger's age.
Air miles and vouchers from loyalty programs may not be used when booking flights through the Website.
If the Customer has benefited from a discount, the associated special fares will be shown during the booking process before he/she confirms the reservation.
The Customer is reminded that an airline’s liability for death, personal injury and other damages is normally limited by national law, by an international air transport treaty, or by the airline's own Rules and Restrictions.
An electronic ticket is a ticket with no physical form. When this type of ticket is purchased, the Customer must go to the check-in desk of the airline concerned and show a valid travel document (passport, visa, identity card, etc.) in order to obtain his/her boarding pass. The Customer must strictly observe the times for checking in.
Replacement passengers for flights may not be put forward. If an air transport service is part of a Package, replacement passengers may only be put forward if the Rules and Restrictions of the applicable airline do not prohibit it and with due observance of these Rules and Restrictions. These Rules and Regulations may result in the need to purchase a separate ticket.
If a replacement passenger becomes part of the contract, then the Customer and that replacement passenger will be jointly and severally liable for the full payment of the balance due to be paid as well as additional costs (including administration fees) arising from the replacement passenger being part of the contract, including any costs that Travelner might incur to make the change.
Customers are advised that in some cases flights booked with one airline may be operated by another airline. You can find details of the operating airline, where different, on the Website. The operating airline may charge the Customer for the flight and will appear as the merchant on the Customer's credit card or bank statement. Payment may also be charged by other Service Providers for the Services booked but the total amount charged will not exceed the total price of the Services.
If an airline cancels a flight or a flight is delayed, is unable to provide previously confirmed space, fails to stop at a Customer's stopover or destination point, or causes a Customer to miss a connecting flight on which a Customer holds a reservation, the Customer may be entitled to certain remedies from the airline.
In case of a no-show or cancellation, you may be entitled to a refund of airport taxes and fees included in the price of the ticket purchased. Where you are eligible for a refund, you can request such a refund from Travelner Customer Services, who will submit your request to the airline on your behalf.
Prices and fares for a number of low-cost flights from outside the Netherlands may be displayed in a different currency (for example, GBP). An estimate will be provided in euro. The actual amount charged by the low-cost carrier may vary slightly due to varying exchange rates used by the different credit card companies. In addition, your statement may include transaction fees that are charged by your card issuer to process the transaction. Travelner is not involved in these additional costs and is in no way liable for costs related to changed exchange rates and credit card fees.
Pursuant to EU regulations, a list has been drawn up of airlines that are banned from operating in the European Union. Kindly check the list prior to your booking right here.
Accommodation may be offered separately or as part of a Package. The services are subject to the Rules and Restrictions of the Service Providers that offer the accommodation. The applicable Rules and Restrictions may include restrictions on and/or fees for cancellation and/or changes imposed by the applicable Third-Party Provider.
Any pre-paid accommodation bookings require that the Customer's bank account or credit card is charged for the full payment upon reservation. Other accommodation bookings require a credit card to secure the reservation and final payment will be settled directly with the hotel during the stay. Please refer to the information displayed during the reservation process to confirm how and when payment will be made. Prices shown on the Website do not include any fees or charges for optional extras, including minibar snacks or telephone calls.
If a Customer does not show for the first night of the reservation and plans to check-in for subsequent nights in the reservation, the Customer must confirm the reservation changes with Travelner no later than the original date of check-in to prevent the whole reservation from being cancelled.
Customers who do not change or cancel their reservation before the cancellation policy period applicable to the hotel, and which can vary by hotel, (generally 24 to 72 hours) prior to the day of arrival will be charged the reservation costs as set out in the Rules and Restrictions. Customers should note that some properties do not allow reservations to be cancelled or changed after they have been made. These restrictions are set out in the Rules and Restrictions for hotel reservations.
The Customer is reminded that, in general, rooms are only available from 2.00 pm and have to be vacated by 12.00 pm, irrespective of the time of arrival or departure or the means of transport used.
Single rooms generally have one bed and a supplement is often payable for these rooms. Double rooms usually have either two single beds or one double bed.
The indication of the comfort level given in the descriptions on the Website corresponds to a classification based on local standards in that country that can differ from Dutch standards. This classification is provided only as a guideline. Customers must realize that standards can vary between hotels of the same class in different countries, and even in the same country. It is important to read the individual hotel descriptions carefully. Accommodation in all hotels, whatever the rating, is in standard rooms unless otherwise stated.
It can happen that for technical reasons, reasons of force majeure or in connection with third-party actions that the originally booked hotel is replaced with a hotel in the same category with similar service.
It is possible that certain Services offered by Service Providers that are described on the Website are cancelled as a result of weather conditions, force majeure, out-of-season stay or if the required number of participants for the activity is not achieved.
Where sightseeing is concerned, the sequence of the various tourist attractions is shown only as a guideline. The sequence can be changed by the Service Providers.
If meals are part of a Package, the number of meals will depend on the number of overnight stays. Full board normally includes breakfast, lunch and dinner. Half board normally includes breakfast and either lunch or dinner, depending on the package. Full board and half board generally start with the meal on the day of arrival and ends with breakfast on the day of departure. If one or more meals cannot be taken, no refunds will be made.
The Customer is reminded that, unless specified otherwise on the Website, drinks are not included with meals. If drinking water is not available, the Customer will bear the cost of buying bottled water.
Parents are advised to bring special food for their baby with them, as this is not always available locally.
The local authorities in certain countries may levy additional taxes (tourist tax, etc.) that generally have to be paid locally. The Customer is exclusively responsible for paying such additional taxes.
When booking hotels, the Customer may be presented with the option to ‘pay now online’ or ‘pay later at the hotel’. If the Customer selects ‘pay now online’, Travelner will immediately charge the amount to their credit card in euro - if payment is made through PayPal – or debit it from the Customer’s bank account. If the Customer selects ‘pay later at the hotel’, the hotel will charge the Customer’s credit card for the amount owed in the local currency. Be aware that some hotels may require a deposit that may or may not be refundable (see the Rules and Restrictions of the Service Provider). Tax rates and exchange rates may change in the period between the booking and the stay. Travelner vouchers may only be redeemed if the ‘pay online’ option is selected.
A Customer may not book more than eight (8) rooms online in the same hotel for the same dates. If Travelner determines that a Customer booked more than eight (8) rooms in total in separate reservations, Travelner may cancel the reservations and charge cancellation fees if applicable. If the Customer has paid a non-refundable deposit, this deposit may revert to Travelner. A Customer who wishes to book nine (9) or more rooms must select 9+ from the ‘Rooms’ drop-down list on the Website and contact the group sales department by filling out the group travel form online. One of our group travel specialists will handle your request and contact you to complete your reservation. The Customer may be asked to sign a written contract and/or pay a non-refundable deposit.
Car hire services are offered as part of a Package. These Services are subject to the special terms of the respective Service Provider (the car hire company).
The Customer making the booking must present a valid credit card in her/his name when collecting up the vehicle. Debit cards are not accepted, and the Customer must check which credit cards are accepted by the Service Provider.
The Service Provider may submit an authorisation request to the credit card company for the period of car hire by way of a deposit held by the Service Provider. The Customer must therefore contact his/her credit card company to ensure the limit on the card is sufficient for this purpose. Some car types require two credit cards.
If the Customer does not comply with the terms set out in this Article 3.3.1, the Service Provider may not make the vehicle available but still charge the full hire price.
Additional charges may apply, for example, for refuelling, an additional driver, or a young driver surcharge. The Customer acknowledges that in no event will Travelner, and/or Service Providers including Travelner be liable for such additional charges as described above or otherwise.
An excess may be applicable in the event of theft or damage to the hire car. This will vary depending on the Service Provider and country of hire. Purchase of an optional additional insurance cover locally will remove/reduce the excess. The Customer acknowledges that in no event shall Travelner, and/or Service Providers including Travelner be liable for such excess or additional insurance cover as described above or otherwise.
Petrol is not usually included in the hire price. For the hire of vehicles in certain countries, some service Providers automatically add charges for refuelling when the vehicle is returned. In addition, some Service Providers charge a supplement if snow tyres are used.
Unless agreed otherwise, the Customer must return the vehicle to the branch of the Service Provider from which it was collected. If the Customer does not comply with this, the Service Provider may charge an additional fee.
Special equipment, such as child seats, can be requested, and will be payable directly to the Service Provider upon collection (if available).
Drivers must usually be aged between 21 and 75 although this can vary between Service Providers and from country to country. It is the Customer's responsibility to check this with the Service Provider. Additional charges may also apply if a driver is younger than 25 or older than 70.
All drivers must be able to show a valid driving license in their name for the category of vehicle hire when collecting the hire car. International hires may have different driving license requirements. An international driving license is required if the driving license is not in the Roman alphabet. Additional documentation such as a passport or up to two forms of proof of name and address may also be required. Customers should check the applicable Rules and Restrictions of the Service Provider offering the hire car for details of all criteria that apply to booking a hire car. The Customer is reminded that some Service Providers do not allow the hired vehicle to be used outside the country in which it has been hired.
No refunds will be offered for bookings cancelled within 6 hours prior to the agreed collection time or for days that the hire car is not used.
Local activities are offered separately or as part of a Package. These services are subject to the Rules and Restrictions of the Service Providers providing these local services. The Services are non-transferable, non-refundable and may not be changed (unless they are cancelled by the Service Provider).
It is possible that certain activities offered by Service Providers that are described on the Website are cancelled as a result of weather conditions, force majeure, out-of-season stay or if the required number of participants for the activity is not achieved. In these cases, Customers should refer to the refund policy in the respective Service Provider’s Rules and Restrictions.
Packages are offered by Service Providers and are subject to the Rules and Restrictions of the Service Provider providing the Package. Customers should read these Rules and Restrictions before booking.
The sale of Packages is governed by Articles 7:500 to 7:513 of the Dutch Civil Code. These provisions are supplemented by the following special provisions.
Customers should be aware that the local authorities in certain countries may levy additional taxes (tourist tax, etc) that generally have to be paid locally. The Customer is exclusively responsible for paying such additional taxes.
Unless explicitly stated otherwise, prices do not include insurance, airline services, excess baggage charges, transport from the airport to the accommodation, visa and vaccination fees or any personal expenses (laundry, telephone, drinks, room service, gratuity, etc.), as well as excursions or the use of sports facilities, nor any more general costs that are not explicitly mentioned in the booking confirmation.
By accepting the relevant general terms and conditions and completing the booking process, the booking is final and the Customer waives his/her legal right of withdrawal.
Requests by the Customer to cancel or change a trip must be submitted by calling Customer Service. Such requests will be dealt with on behalf of the Service Providers concerned.
In the event of a cancellation due to a circumstance attributable to the Customer, Travelner and the Service Provider may charge a fee to cover the costs of the arrangements that have already been made. In addition, the Service Providers may charge standard cancellation fees for each part of the Package for each cancellation. Where a cancellation affects more than one person on the booking, any applicable cancellation fee will be applied to each person on the booking. In some cases, the cancellation fees can be up to the full amount of the booked trip, meaning that the Customer is not refunded. Partial cancellation, i.e. the cancellation of a specific arrangement, is usually not possible.
If the Customer does not present himself/herself at the departure of the trip and does not use some or all of the reserved Services, no refund will be given to the Customer.
Travelner will informs Customers of changes to or differences in their travel arrangements as soon as we receive the notifications from your Service Providers. Changes to or differences in the travel agreement that are made for serious reasons after the contract has been concluded are permitted insofar as the changes or the differences do not have a disadvantage of more than minor significance for the Customer. Flight time information is not considered binding.
A number of airlines (including low-cost airlines and charter airlines) communicate changes to flights and/or flight times directly to the Customer, for example, by email or text message, and display them on their website without informing Travelner. You must therefore always check your travel schedule and any changes to it in plenty of time before your flight.
Most tickets are electronic (e-Tickets), however with certain itineraries where an e-Ticket is not available a paper ticket will be issued. Please check the shipping charges before confirming the booking. If an e-Ticket could not be issued for a particular reservation or if a delivery was being made of another product or service, Travelner will send the paper ticket, product or service through a secure mode of delivery (a reputable carrier company) and the applicable shipping charges will be debited to the credit holder's account as per rates published on the Site. These shipping charges are displayed before you make the booking and you may select not to purchase the tickets to avoid shipping charges. Travelner does not assume any responsibility for the fault of the delivery company. We will attempt to redeliver but do not provide any guarantees for redelivery on time. If you provide an incorrect address, then you may have to pay excess fees to the delivery company for alteration of the address. You will be billed to the credit card used for payment. If an e-Ticket is generated the ticket information will be available on the Site.
All customers are advised to verify travel documents (transit visa/entry visa) for the country through which they are transiting and/or entering. Reliable information regarding international travel can be found at official government websites and also with the consulate/embassy of the country(s) you are visiting or transiting through. Travelner will not be responsible if proper travel documents are not available and you are denied entry or transit into a Country.
Your transaction with Travelner does not guarantee entrance to the country of destination. Traveler understands that Travelner accepts no responsibility for determining passenger's eligibility to enter or transit through any specific country. Information, if any, given by Travelner's employees must be verified with government authorities. Such information does not imply responsibility on Travelner's behalf.
All flights should be confirmed with the airline directly as they may have last minute schedule changes. You must re-confirm at least 24 hours prior to departure for domestic flights and 72 hours for flights to international destinations.
In most cases, upgrades and standbys will not be permitted. Upgrades/standby are strictly the responsibilities of the respective airlines.
Many of our discounted tickets do not allow for frequent flyer mileage accrual.
All seat requests will be forwarded to the airlines. Please be advised that not all seat requests are guaranteed. If you want to receive immediate confirmation on your seat or if you have any special requirement such as "stretcher assistance" or "wheelchair", please contact the airline directly.
If any of our agents make a mistake in the booking process we shall make reasonable attempts to rectify these errors at the time of occurrence. Travelner stands committed to providing compensation up to a maximum of the entire service fees that Travelner has collected for that booking in addition to a $50 coupon as redemption towards purchases from Travelner within 12 months in the future. You must notify us of errors within 24 hours of receiving your itinerary. Beyond this 24hour period, Travelner will not be responsible for these errors.
It is the responsibility of the traveler who has booked with us online or has made the booking directly with a Customer Support to review and reconfirm names, dates, flight numbers, airlines and routing including all airport changes. If you discover any discrepancy in your itinerary, you are requested to immediately contact a Travelner customer support team within 4 hours from the time the booking was completed.
If you fail to contact us by phone within 4 hours of completing the booking, we shall consider the booking you have made to be acceptable to you and we do not assume any liability thereafter for any discrepancy in your booking.
You are requested to review and save the itinerary.
Although most travel, including travel to international destinations, is completed without incident, travel to certain destinations may involve greater risk than others. Travelner advises Customers to review any travel prohibitions, warnings, announcements and advisories issued by the government before booking a trip to an international destination.
By offering travel to particular international destinations, Travelner does not represent or warrant that travelling to such destinations is advisable or without risk and is not liable for damages or losses that may occur from travelling to such destinations.
The price of the Services will be as quoted on the Website, except in cases of obvious error. Prices are liable to change at any time, but changes will not affect bookings that have already been accepted (unless Travelner has had to change them). In some case, Travelner may charge a booking fee in relation to flights that are booked on the Customer's behalf. The Customer will be notified of all applicable charges at the time of booking. Despite Travelner’s best efforts, some of the Services listed on the Website may be incorrectly priced. Travelner expressly reserves the right to correct any pricing errors on the Website and to correct them in reservations that have not yet been completed. In such event (if available), we will offer you the opportunity to keep your non-completed reservation at the correct price or to cancel it free of charge. Travelner is under no obligation to provide Services to a Customer at an incorrect (lower) price, even after Customers have been sent confirmation of their booking.
Customers have many options to help them find the perfect hotel, flight, hire car or activity. The ‘sort’ settings allow travellers to sort search results according to their preference, whether based on price, verified review score, or other criterion. The ‘filter’ settings also allow Customers to include or exclude various options to suit their travel needs. If no options are selected, we will show a range of relevant options in the search results based on the following criteria:
We continuously optimize our service to offer travellers the best experience. We may therefore test different sort algorithms from time to time.
Travelner does its utmost to provide photographs and illustrations that give the Customer an impression of the Services offered. The purpose of these photographs and illustrations is to give the Customer an impression of the level of accommodation and the degree of comfort, and they must not be considered to be making any representation that exceeds this purpose.
The prices on the Website do not include cancellation insurance and/or additional cost insurance (incl. replacement trip). Cancelling your trip before it starts will give rise to administration fees. Interrupting the trip can result in additional costs for the return journey and other things. This is why it is advisable to take out special travel insurance. In addition to cancellation insurance, it also includes comprehensive travel insurance with a 24-hour alarm service.
The risks covered by these insurance policies, as well as the costs and the insured amounts, that are displayed on the Website are just examples. If an insurance policy is taken out, the insurer will send the Customer a policy. Damage claims must be submitted directly to the insurer in accordance with the terms and conditions of the policy.
Welcome to the Travelner Rewards Program (the "Program"). As a member of the Program, you will be able to earn Travelner Rewards Points ("Points") every time you make a qualifying purchase from Travelner. If you do not agree with any part of these Terms & Conditions, you must opt out of joining the Program and not use any Points.
By enrolling in the Program, you agree to the following:
Customers who are over eighteen (18) years of age and have provided Travelner with a valid email address are eligible to become Program members and earn Points. You automatically become a member when you create an account on Travelner unless you opt-out of the Program.
When you sign up your account will automatically be tied to your email address or a unique loyalty account number and you will be automatically enrolled in the Program. When you are logged into the Site you will be able to see the total amount of Points in your account, when the Points were earned as well as what Points have been redeemed.
For every dollar (US$1) or the equivalent amount you spend with Travelner on flights and ancillary offerings such as flight upgrades and baggage fees that are purchased in the same transaction as your flights, you will earn one (1) Point. Qualifying purchases can be made online at Travelner.com, Travelner apps or over the phone. No Points will be provided for purchases of stand-alone ancillary offerings. Except where required by law or provided for in these Terms & Conditions, Points have no cash value. Points have no exchange rate to any market currency.
Travelner will attempt to credit your Account with the awarded Points on a timely basis, usually thirty (30) days after the booked travel was completed. However, you have the responsibility of making sure that your Points are properly credited. Please retain copies of your purchases for your records. Any claim for Points not credited accurately must be received by us within six (6) months of the date of claimed accrual of such Points.
Points may also be awarded to you by Travelner as a goodwill gesture in the context of customer service (e.g., courtesy waiver of applicable fees). To avail yourself of these courtesy points, you will need to sign up to our Points program on our website.
In general, Points will not expire as long as a Qualifying Purchase was made through your Travelner Account at least once every two (2) years. "Qualifying Purchase '' means a Points-eligible booking that has been completed. Points on your Account shall expire if no Qualifying Purchase was made through your Account for the preceding two (2) year period; however, Points rewarded as a customer service courtesy will expire on the expiration date assigned to them and should be redeemed before the assigned date.
Points can be redeemed for products and/or discounts offered online at Travelner.com, Travelner app or by calling Travelner. The number of Points required to redeem for a product will be shown online at Travelner.com. Travelner reserves the right in its sole discretion to change the products offered as well as the number of points needed to redeem a product at any time. Travelner also reserves the right to limit the quantity of Points an account may redeem in a single transaction. Gift cards redeemed through the Program must be fulfilled online. All gift cards are subject to the issuer's own Terms & Conditions. At Travelner's discretion the Program may also allow you to use Points to get a discount off of certain types of travel or travel-related items booked on Travelner.com. Users are able to use the Points to make purchases that benefit third parties.
Travelner reserves the right at any time to limit Program enrollment. We may discontinue your membership and void or cancel your entire Points balance if you do not meet the Program eligibility requirements or any Points in your account are issued, received, or redeemed through fraud or theft, or otherwise illegally, or not as authorized in these Terms & Conditions.
You agree not to misuse Program privileges by conduct which is detrimental to us, including without limitation: attempting to accrue Points or redeem Points in a manner inconsistent with our policies or the intent of these Terms & Conditions; having multiple accounts; or participating in purchasing or redemption fraud. Points may not be shared or transferred.
Travelner reserves the right, at its sole discretion and without prior notice, to suspend, change or terminate the Program, in whole or in part; to modify, limit or suspend the use of or redemption of Points in any respect; to modify or change redemption procedures, including the number of Points required for particular reward; to modify, limit or suspend the collection of Points, including but not limited to imposing time limits and changes in Points values. We may make these changes even though the changes may affect the value of Points already accumulated at any time and from time to time.
You understand and agree by participating in the Program that we can make these changes at any time, with or without notice. However, we may give you notice of changes to the Program by posting an updated version of this page via email. Travelner reserves the right to terminate the program with six months' notice, without compensation. This means that regardless of the number of Points you accumulate in the Program, your right to accumulate and redeem Points can be terminated six months after we give you notice.
You should not rely upon the continued availability of the Program, or any earning or redemption offers, merchandise or other offers made in connection with the Program. All merchandise and/or offers are available while supplies last and are subject to change and/or revocation without notice.
If you have any questions regarding the Program, we can be contacted by email at [email protected].
The Rewards Program is owned and operated by Travelner and/or its affiliates. Travelner reserves the right to cancel, modify, restrict, waive or terminate the Rewards Program or any aspects or features of the Rewards Program. Points accumulated under the Rewards Program are not transferable, are not redeemable for cash, and may not be used for gift-giving purposes. You acknowledge that the points earned under the Reward Program Terms have no value and that the points are purely promotional and are provided without the payment of any consideration or other thing of value. Unless and until points are redeemed in accordance with these Rewards Program Terms, you have no right, title or interest in the points.
Unless specified otherwise in the Rules and Restrictions, the prices of the Services shown on the Website are expressed in euro or in the local currency, excluding local taxes that are levied in some countries by local authorities. Travelner reserves the right to cancel your booking if the full payment is not received in a timely fashion.
The price of services booked on the Website or by telephone must be paid either to (i) Travelner that accepts such payments on behalf of the Service Provider, and/or (ii) directly to the Service Providers. The payment may be charged by more than one party (as will be shown on the Customer's bank or credit card statement), however the total amount charged will not exceed the total price of the Services.
The Customer will provide the details of his/her payment card and the Service Provider or Travelner can verify: (i) the validity of the payment card (by charging a nominal amount that is either refunded within a few days or deducted from the final payment due to the Service Provider) and (ii) the availability of sufficient funds on the payment card (to be confirmed by the bank issuing the Customer's credit card).
The reservation of any pre-paid hotel bookings and Travelner Special Fare products, and Travelner Packages for destinations in the European Union is covered by the regulations for travel agents and tour operators as set out in Articles 306-310 of the EU VAT Directive [2006/112/EC].
The taxes on prepaid hotel bookings are an estimate of the applicable transaction taxes (for example, sale and use, room price, room tax, excise duty, VAT, etc.) that the Service Provider pays to the hotel for those bookings in connection with the taxes owed for the rent of the room. The hotels charge these taxes to the Service Providers. The hotels are responsible for paying the applicable taxes to the relevant tax authorities. Neither Travelner nor the Service Provider acts as a co-vendor with the hotel with which you book or make your travel arrangements.
Taxability and the applicable tax rate vary greatly by location. The actual tax amounts paid by the Service Provider to the properties may vary from the taxes invoiced, depending on the rates, taxability, etc. in effect at the time of the actual use of the hotel by the Customer.
In addition to the above, hotels in New York City charge New York sales tax and New York City room occupancy tax on both the price of the hotel room and the amount that the Service Provider charges for its Services. Hotels in the state of New York that are not in New York City charge New York sales tax on both the price of the hotel room and the amount that the Service Provider charges for its Services. In addition, hotels in the state of New York that are not in New York City, charge taxes to cover the room occupancy tax the hotel has to pay over the room price it receives. Like the other taxes, New York sales tax and New York City room occupancy tax are listed in the ‘Taxes and service costs’ field on the Website and in the ‘Taxes’ field on your booking confirmation. The Service Provider may not charge service costs for an overnight stay in a hotel in New York.
For pre-paid ‘Pay online now’ bookings, the Service Provider’s New York State and New York City tax registration certificates and numbers are provided below. New York State and New York City have changed their legislation so that they can charge taxes over the services provided by the Service Providers and require that you are informed about these taxes.
Requests for information or complaints during a trip should be sent to [email protected]
Complaints should be submitted to Travelner by email at [email protected] or by telephone featured on the website. Travelner receives the complaints on behalf of the Service Provider. Complaints can also be submitted directly to the Service Provider during a trip so measures can be taken to solve the problem and limit the damage for the Customer. Complaints must be submitted within 2 months of the trip ending (or within 2 months of the original departure date if the trip did not take place).
Complaints about loss of, theft of or damage to luggage, clothing or personal belongings that were not under the Customer's control during the stay should be addressed to the airline or the hotel.
If a complaint is not resolved in time or satisfactorily, the Customer may contact the Travel Industry Disputes Committee.
By using this Website, the Customer agrees that Travelner is not liable for any loss arising from the use of the Website, any delay or inability to use the Website, or from the Customer's use of links on the Website. The exclusions and limitations contained in this Article apply only to the extent permitted by law.
Travel Service Providers provide to Travelner the information describing the Services which Travelner displays on its website to you, such as travel service details, photographs, rates, the terms and conditions for the Service. It is the responsibility of the Travel Service Providers to ensure that such information provided to Travelner is accurate, complete and up-to-date. Travelner will not be liable for any inaccuracies of such information, unless and only to the extent that Travelner directly caused such inaccuracies, and this also includes any inaccuracies with hotel ratings which are intended as guidance only and may not be an official rating.
Consumers have certain statutory rights. The exclusions and limitations contained in these General Terms and Conditions apply only to the extent permitted by law. Nothing in these General terms and conditions shall, be deemed to limit or exclude Travelner’s liability for fraud, personal injury or death caused by Travelner B. V’s negligence.
If Travelner does not invoke one of the provisions of the General Terms and Conditions at any one moment, this must not be interpreted as a cession of the right to invoke it at a later date.
If any provision of these General Terms and Conditions (or part of any provision) is found by any court or other authority of competent jurisdiction to be invalid, illegal or unenforceable, that provision or part of a provision will, to the extent required, be deemed not to form part of this agreement with the Customer and the validity and enforceability of the other provisions will not be affected.
Every instance of force majeure, including the interruption of means of communication or a strike by carriers, hoteliers or air traffic controllers, will lead to the suspension of the obligations in these General Terms and Conditions that are affected by the force majeure event and the party affected by the force majeure event will not be liable as a result of the inability to meet such obligations.
These General Terms and Conditions come into force on 01/10/2021.
In certain circumstances, a Package may be formed as a result of services you decide to book where Travelner is the organiser of the Package. Where this possibility arises, you will be directed to read the important information below. It is important that you read this information.
The combination of travel services offered to you is a Package within the meaning of Directive (EU) 2015/2302. Therefore, you will benefit from all EU rights that apply to Packages. Travelner is fully responsible for the proper performance of the Package as a whole. As required by law, Travelner also has protection in place to refund your payments and, where transport is included in the Package, to ensure your repatriation in the event that it becomes insolvent.
Linked Travel Arrangements under the Package Travel Regulations
Important information regarding Linked Travel Arrangements
In certain circumstances, a Linked Travel Arrangement may be formed as a result of services you decide to book. Where this possibility arises, you will be directed to read the important information below. It is important that you read this information.
If, after selecting and paying for one travel service, you book additional travel services for your trip or holiday through Travelner, you will NOT benefit from rights applying to Packages under Directive (EU) 2015/2302.
As a result, Travelner is not responsible for the proper performance of the additional travel services. In the event of problems, please contact the relevant service provider.
However, if you book and pay for any additional travel services from Travelner during the same visit to this Website, the travel services will become part of a Linked Travel Arrangement. In that case Travelner has, as required by EU law, protection in place so that you are refunded for payments you made directly to Travelner for services that cannot be performed as a result of Travelner's insolvency, and if necessary, to repatriate you. Please note that any payments you make directly to a Service Provider will not be refunded in the event of that Service Provider’s insolvency.
Directive (EU) 2015/2302, as transposed in national law can be found here.
For quick answers to your questions or ways to contact us, visit our Contact us page or you can write to us at:
This Policy provides coverage for anyone while traveling outside their Home Country, providing coverage for you, your spouse/domestic partner/traveling companion and dependent children/grandchildren.
We maintain our right to investigate to verify that the eligibility requirements have been met. If and whenever We discover that the eligibility requirements have not been met, Our only obligation is refund of premium.
While the certificate is in effect, the Benefit Period does not apply. Upon termination of the certificate, in accordance with this provision, we will pay eligible medical expenses for up to 90 days beginning on the first day of diagnosis or treatment of a covered Sickness or Injury while a Covered Person is outside Their Home Country. The Benefit Period applies only to eligible medical expenses related to the eligible Sickness or Injury that began while the certificate was in effect. In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will continue to pay eligible medical expenses which are incurred in your home country during the benefit period until the exhaustion of the Benefit period or the Policy Medical Maximum, whichever comes first.
An eligible person will be insured on the latest of the following dates: 1. the Covered Person’s departure from Their Home Country; or 2. the date and time the Covered Person completed enrollment form and Their correct premium is received; or 3. the effective date requested and shown on the certificate.
The coverage provided with respect to the Named Insured shall terminate at 12:01 AM North American Central Time on the earliest of the following dates: 1. The date shown on the insurance confirmation card, for which the premium is paid; or 2. The date the Covered Person returns to Their Home Country; or 3. Three hundred and sixty- four (364) days after the Covered Person's original effective date, unless extended.
An extension notice will be sent to the Covered Person before the Policy Period ends and includes links to extend prior to the termination date. The Covered Person is subject to the following rules at extension: If it is initially purchased for a minimum of 5 days. If available, additional periods are charged at the premium rate in force at the time of extension. 5 days premium is the minimum acceptable extension premium and 364 days premium is the maximum. There are no grace periods for extension. Once the policy has lapsed, reapplication is required. Please note, upon application for a new policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over.
CANCELLATION AND REFUND PROCEDURE PROVISIONS
Travelers are allowed to cancel the Insurance policy before the day of departure for a full refund. However, for the Safe Travels Explorer plan, it needs to be cancelled within 10 days of purchase (10 days free look) (or from the date of receipt if mailed), provided you have not already departed on your trip and there are not any claimable losses incurred during that time. If you depart on your trip before the review time expires, the review period shall automatically end upon your departure.
With the exception of the above cases, your cancellation request could be rejected by the Insurance company or you would be charged at least US$ 30/policy as a service fee.
* Service fee: the amount you have to pay in advance for our service, including giving you advice about the insurance policy, collecting the required documents, and sending the policy certificates to you as soon as possible, with 24/7 support services.
We will pay Covered Accident and Sickness Medical Expenses up to the Maximum Benefit as outlined in the Schedule of Benefits and after each Insured satisfies any Deductible, without regard to any other Health Care Plan benefits payable for the Insured. We will pay these benefits without regard to any Coordination of Benefits provision in any other Health Care Plan.
All benefits payable are subject to the Maximum Benefit Limits, and any applicable sub-limits, listed in the Schedule of Benefits.
If a covered Sickness or Injury occurs during the Policy Period, and the Covered Person requires medical or surgical treatment, benefits are payable for the following covered expenses. The first charges must be incurred within 90 days after the date of the covered Sickness or Injury or the treatment must occur within 24 hours of the Unexpected Recurrence of a Pre-existing Condition.
No benefits will be paid for any expenses incurred which are in excess of usual and customary charges.
Hospital Room and Board Expenses: the average daily rate for a semi-private room when a Covered Person is Hospital Confined, and general nursing care is provided and charged for by the Hospital. In computing the number of days payable under this benefit, the date of admission will be counted but not the date of discharge. All charges in excess of the allowable semi private rate are the responsibility of the Covered Person.
Hospital Emergency Room Visits. Emergency Room Visit for an Illness with no direct Hospital Admittance will be subject to an additional deductible as outlined in the schedule of benefits.
Ancillary Hospital Expenses: Services and supplies as Medically Necessary and approved and covered by the Policy including meals and special diets (only for the Covered Person), use of operating room and related facilities, use of intensive care and related services to include x-ray (including reading charges) , laboratory and other diagnostic tests, drugs, medications, biological anesthesia and oxygen services, and administration of blood products. This does not include personal services of a non-medical nature.
Intensive Care Unit Expenses: Room and Board: 3 times the average semiprivate room rate when a Covered Person is Hospital Confined in a bed in the Intensive Care Unit and nursing services other than private duty nursing services.
Medical Emergency Care Expenses incurred within 24 hours of Unexpected Recurrence of a Pre-existing Condition. These expenses include the attending Physician’s charges, x-rays, laboratory procedures, use of the emergency room and supplies.
Physician non-surgical treatment and examination expenses including the Physician’s initial visit, each Medically Necessary follow-up visit and consultation visits when referred by the attending Physician.
Physician’s Surgical Expenses.
Assistant Physician Surgical Expenses when Medically Necessary.
Anesthesiologist expenses for pre-operative screening and administration of anesthesia during a surgical procedure on an outpatient basis.
Outpatient Medical expenses.
Physiotherapy Physical Medicine/Chiropractic Expenses on an Inpatient or outpatient basis including treatment and office visits connected with such treatment when prescribed by a Physician, including diathermy, ultrasonic, whirlpool, heat treatments, adjustments, manipulation, or any form of physical therapy
Emergency dental treatment and restoration of sound natural teeth, including x-rays, required as a result of an Accident or to relieve pain.
Ambulance Service Benefits are provided for medically necessary emergency ground ambulance transportation from the emergency site to the nearest Hospital able to provide the required level of care.
Prescription Drug Expenses including dressings, drugs and medicines prescribed by a Physician.
Emergency medical treatment of pregnancy.
Mental or nervous disorders.
Medically Necessary treatment for COVID-19, SARS-CoV-2, and any mutation or variation of SARS-CoV-2.
Unexpected Recurrence of a Pre-Existing Condition - Benefits are payable for Covered Expenses resulting from a sudden, Unexpected Recurrence of a Pre-Existing Condition while traveling outside the Covered Person’s Home Country. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.
AMBULANCE SERVICE BENEFITS
Ambulance Service Benefits are provided for medically necessary emergency ground or air ambulance transportation as required from the emergency site to the nearest Hospital able to provide the required level of care.
EMERGENCY MEDICAL EVACUATION
Benefits are payable if a Covered Person suffers a Sickness or Injury during the course of the Trip which requires Emergency Medical Evacuation from the place where the Covered Person suffers a Sickness or Injury to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained; or transportation to the Covered Person’s Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering a Sickness or Injury. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation. If after hospitalization or treatment for a covered Sickness or Injury, the Covered Person is unable to continue Their journey, Our designated Assistance Provider, in conjunction with the local attending Physician, will organize the Covered Person’s return to Their Home Country. If the gravity of the situation dictates, Our designated Assistance Provider will ensure that appropriate medical care is provided to the Covered Person during the return journey. If Our designated Assistance Provider and the local attending medical practitioner consider the Covered Person stable enough to be medically repatriated, without endangering Their health, and They refuse repatriation, We will continue to pay medical expense benefits incurred after the date repatriation was recommended only up to the amount that would have been payable for the medical repatriation.
Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Benefits will not be payable unless: 1. the Physician ordering the Emergency Medical Evacuation certifies the severity of the Covered Person’s Sickness or Injury requires an Emergency Medical Evacuation; 2. all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible; 3. The charges incurred are Medically Necessary and do not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred ; and 4. do not include charges that would not have been made if there were no insurance.
NATURAL DISASTERS, POLITICAL EVACUATION
Benefits are payable for the Covered Person’s extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. The Occurrence must take place while coverage is in effect, and while the Covered Person is traveling outside of Their Home Country. Benefits will be paid for: 1. Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure the Covered Person’s safety and well-being as determined by the Designated Security Consultant. 2. Transportation and Related Costs within 14 days of the Political Evacuation to either to the country in which the Covered Person is traveling while covered by the Policy; or the Covered Person’s Home Country; or 3. consulting services by a Designated Security Consultant for seeking information on a Missing Person or kidnapping cases, if the Covered Person is kidnapped or reported as a Missing Person to local or international authorities. Benefits will not be payable unless We (or Our authorized Assistance Provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by the Assistance Provider. The Assistance Provider is not responsible for the availability of transport services. Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with the Covered Person until a Political Evacuation occurs. Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that the Covered Person was an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related costs from the Covered Person. Benefits will be payable for evacuation during a period of civil unrest, insurrection or natural disasters that could not have been foreseen prior to the Covered Person’s departure from Their Home Country of origin.
Benefits are payable for the cost of one economy airfare ticket and other local travel related expenses including the reasonable expenses incurred for lodging and meals of a Covered Person’s Immediate Family Member for a period of up to 10 days, to join the Covered Person at the Hospital where the Covered Person is confined and to accompany the Covered Person back to their Home Country, if needed, provided: 1. The Emergency Medical Evacuation Benefit is payable under the Policy; 2. the Covered Person is alone outside of Their Home Country; 3 . The place of confinement is more than 100 miles from the Covered Person’s Home Country; and 4. expenses were authorized in advance by the Company.
RETURN OF MINOR CHILDREN OR TRAVELING COMPANION
If the Covered Person is the only person traveling with minor Dependent children who are under the age of 21, or with a Travel Companion, and the Covered Person suffers a Sickness or Injury and must be Hospital Confined for at least 48 consecutive hours, or are medically evacuated to another location, benefits are payable for the cost of the Dependent or Travel Companion’s one way economy airfare ticket and/or ground transportation ticket to Their Home Country. All transportation arrangements must be made by the most direct and economical route and conveyance possible and may not exceed the usual level of charges for similar transportation in the locality where the expense is incurred. Benefits will not be paid unless all expenses are approved in advance by Us, and services are rendered by the Assistance Provider.
REPATRIATION OF MORTAL REMAINS
Benefits are payable for preparation and return of a Covered Person’s body to Their Home Country if they die due to a Sickness or Injury. Covered Expenses include: Expenses for embalming or cremation; The least costly coffin or receptacle adequate for transporting the remains; Transporting the remains by the most direct and least costly conveyance and route possible. Expenses must be approved in advance and coordinated by the Assistance Provider. This benefit excludes fees for return of personal effects, religious or secular memorial services, clergymen, flowers, music, announcements, guest expenses and similar personal burial preferences.
Benefits are payable, if the Covered Person is confined to a Hospital provided; 1. The Hospital stay is the direct result, from no other causes, of Injuries sustained in a Covered Accident or Sickness that occurs while the Policy is in effect; and 2. The Hospital says it begins within 3 days of a Covered Accident or Sickness and lasts for at least 3 days. The benefit will be paid retroactive to the first day of the Hospital stay. Benefit payments will end on the first of the following: 1. The date the Hospital Stay ends; 2. The date the Covered Person dies; 3. The 15th day of hospitalization; or 4. The date the coverage terminates.
FELONIOUS ASSAULT ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
We will pay the Benefit Amount for felonious assault, if Accidental Bodily Injury that results from felonious assault causes a Covered Person to suffer one of the losses shown below within 365 days from the felonious assault. The Benefit Amount for felonious assault is payable in addition to any other applicable Benefit Amounts under this policy. Any assault by a family member is not covered under this benefit.
|COVERED LOSS||BENEFIT AMOUNT|
|Loss of Life||100% of Principal Sum|
|Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye||100% of Principal Sum|
|Quadriplegia||100% of Principal Sum|
|Paraplegia||75% of Principal Sum|
|Hemiplegia||75% of Principal Sum|
|Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each)||50% of Principal Sum|
|Uniplegia||25% of Principal Sum|
|Loss of Thumb and Index Finger of the same hand||25% of Principal Sum|
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
Accidental Death and Dismemberment will apply to Covered Accidents incurred by a Covered Person. If Injury to the Covered Person results in any one of the losses shown below within 365 days from date of the Covered Accident, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident.
|COVERED LOSS||BENEFIT AMOUNT|
|Loss of Life||100% of Principal Sum|
|Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye||100% of Principal Sum|
|Quadriplegia||100% of Principal Sum|
|Paraplegia||75% of Principal Sum|
|Hemiplegia||75% of Principal Sum|
|Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each)||50% of Principal Sum|
|Uniplegia||25% of Principal Sum|
|Loss of Thumb and Index Finger of the same hand||25% of Principal Sum|
Exposure and Disappearance Benefit – Benefits are payable if a Covered Person is exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which They were traveling. The Covered Person is presumed dead if They are in a vehicle that disappears, sinks or is stranded or wrecked and Their body is not found within six (6) months of the Covered Accident.
HIJACKING AND AIR OR WATER PIRACY
Benefits are payable if a Covered Person suffers an Injury during 1. the hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.
Benefits are payable if the Covered Person becomes comatose within 31 days of a Sickness or Injury and remains in a coma for at least 31 days.
SEATBELT AND AIRBAG ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D)
Benefits are payable if a Covered Person dies or is dismembered directly and independently from Injuries sustained while wearing a seatbelt and operating or riding as a passenger in an Automobile.
ADAPTIVE HOME AND VEHICLE
Benefits are payable if the Covered Person has an Injury which results in a Covered Loss under the Accidental Death and Dismemberment Benefit, We will pay an additional benefit equal to the least of the actual cost of the alterations for the one-time cost of alterations to the Covered Person’s principal residence and/or private Automobile to make the residence accessible and/or the private Automobile drivable or rideable.
Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article. Benefits are payable if a Covered Person’s luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. The Covered Person must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid the Covered Person its normal reimbursement for the lost, stolen or damaged luggage.
Benefits are payable for reimbursement of the cost of a one-way economy air and/or ground transportation ticket if
the Covered Person’s Trip is interrupted as the result of:
the death of an Immediate Family Member; or the Covered Person’s unforeseen Sickness or Injury or, the Sickness or Injury of a Traveling Companion or Immediate Family Member. The Sickness or Injury must be so disabling as to reasonably cause a Trip to be interrupted; or
substantial destruction of the Covered Person’s principal residence by fire or weather-related activity; or
a Medically Necessary covered Emergency Medical Evacuation to return the Covered Person to Their Home Country or to the area from which They were initially evacuated for continued treatment, recuperation and recovery.
The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en-route to or from the Trip for six (6) or more hours due to a defined Hazard.
Covered Trip Delay Expenses:
(a) Any pre-paid, unused, non-refundable land and water accommodations;
(b) Any Reasonable Expenses incurred;
(c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
(d) A one-way Economy Fare to return You to Your originally scheduled return destination.
Coverage for injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities. Professional and Semi Professional Sports are always excluded.
Any Athletic Sport not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.
OPTIONAL 24 HOUR Accidental Death and Dismemberment Upgrade - IF PURCHASED
Increase to $50,000 maximum AD&D benefit - All Ages
We will not pay for any Accidental Death and Dismemberment or Paralysis loss or Injury that is caused by or that results from:
intentionally self-inflicted Injury.
suicide or attempted suicide.
war or any act of war, whether declared or not (except as provided by the Policy).
service in the military, naval or air service of any country.
disease or bacterial infection except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food.
hernia of any kind.
piloting or serving as a crewmember or riding in any aircraft except as a passenger on a regularly scheduled or charter airline.
commission of, or attempt to commit, a felony.
Injury or Sickness that occurs while the Covered Person has been determined to be legally intoxicated as determined according to the laws of the jurisdiction in which the Injury or Sickness occurred, or under the influence of any narcotic, barbiturate, or hallucinatory drug, unless administered by a Doctor and taken in accordance with the prescribed dosage.
flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; flying in any rocket propelled aircraft; flying in any aircraft being used for or in connection with crop dusting, or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting bird or fowl herding, aerial photography, banner towing or any test or experimental purpose; flying any aircraft which is engaged in flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even if granted.
specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, MotoX, Mountaineering, Mountain biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, WindSurfing, White Water Rafting, Zip Lining, Zorbing.
All professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport
In addition to the Exclusions above, We will not pay Medical Expense Benefits for any loss, treatment or services that results from or contributed to by:
Pre-Existing Conditions, as defined.
declared or undeclared war or any act thereof.
services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a Physician.
suicide or any attempt thereat while sane or self-destruction or any attempt thereat while insane.
Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport (except as provided by the Athletic Sport Rider).
Sickness resulting from pregnancy (except as provided by Emergency Medical Treatment of Pregnancy).
Miscarriage resulting from Accident (except as provided by Emergency Medical Treatment of Pregnancy).
Immunizations, routine physical or other examinations where there are no objective indications or impairment in normal health, or laboratory diagnostic or x-ray examinations except in the course of a disability established by the prior call or attendance of a Physician, except as specifically provided for in this policy.
cosmetic or plastic surgery, except as the result of an accident.
elective surgery which can be postponed until the Covered Person returns to his or her Home Country.
any mental or nervous disorders or rest cures (except as provided in the Schedule by Mental or Nervous Disorders Charges).
any dental treatment (except as provided by the Dental Treatment for Injury and Emergency alleviation of pain).
eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by accidental bodily Injury incurred while covered under the Policy.
congenital anomalies and conditions arising out of or resulting therefrom.
services, supplies, or treatment expenses which are non-medical in nature.
the ordinary cost of a one-way airplane ticket used in the transportation back to the Covered Person’s country where an air ambulance benefit is provided.
expenses as a result of or in connection with an intentionally self-inflicted Injury.
Specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme Sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, MotoX, Mountaineering, Mountain Biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, WindSurfing, White Water Rafting, Zip Lining, Zorbing.
treatment paid for or furnished under any other individual or group policy, or other service or medical prepayment plan arranged through an employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment without cost to any individual.
childbirth, miscarriage, birth control, artificial insemination, treatment for fertility or impotency, sterilization or reversal thereof or abortion.
organ transplants, marrow procedures and chemotherapy.
any sexually transmitted or venereal disease; and/or any testing for the following: HIV, Vaccine induced seropositivity to the AIDS virus, AIDS related Illnesses, ARC Syndrome, AIDS.
any treatment, service or supply not specifically covered by the Policy.
treatment by any Family Member or member of the Covered Person’s household.
treatment of hernia, Osgood-Schlatter’s Disease, osteochondritis, osteomyelitis, congenital weakness whether or not caused by a Covered Accident.
expense incurred for treatment of temporomandibular or cranio-mandibular joint dysfunction and associated myofascial pain.
any elective treatment, surgery, health treatment, or examination including any service, treatment or supplies that: (a) are deemed by Us to be experimental; and (b) are not recognized and generally accepted medical practices in the United States.
contact lenses, hearing aids, wheelchairs, braces, appliances, examinations or prescriptions for them, or repair or replacement of existing artificial limbs, orthopedic braces, orthotic devices, artificial eyes and larynx.
treatment or service provided by a private duty nurse or while confined primarily to receive custodial care, educational or rehabilitative care or nursing care.
covered medical expenses for which the Covered Person would not be responsible for in the absence of the Policy.
conditions that are not caused by a Covered Accident.
vocational, recreational, speech or music therapy.
traveling against the advice of a Physician, traveling while on a waiting list for inpatient Hospital or clinic treatment, or traveling for the purpose of obtaining medical treatment abroad.
any potentially fatal condition which was diagnosed before the date your coverage became effective or any condition for which You are traveling to seek treatment.
Expenses incurred in your Home Country or in the USA.
Payment for any medical services related to an illness when an Insured Person leaves a medical facility against medical advice.
Voluntary tests, including COVID-19 viral and/or antibody tests for healthy individuals.
We will not pay Natural Disasters or Political Evacuation benefits for expenses and fees:
payable under any other provision of the Policy.
that are recoverable through the Covered Person’s employer.
arising from or attributable to an actual fraudulent, dishonest or criminal act committed or attempted by the Covered Person, acting alone or in collusion with other persons.
arising from or attributable to an alleged:
violation of the laws of country in which the Covered Person is traveling while covered under the Policy; or
violation of the laws of the Covered Person’s Home County.
due to the Covered Person’s failure to maintain and possess duly authorized and issued required travel documents and visas.
for repatriation of remaining expenses.
for common or endemic or epidemic diseases or global pandemic disease as defined by the World Health Organization.
for medical services.
for monies payable in the form of a ransom, if a Missing Person case evolves into a kidnapping.
arising from or attributable, in whole or in part, to: a. a debt, insolvency, commercial failure, the repossession of any property by any title holder or lien holder or any other financial cause; b. non- compliance by the Covered Person with regard to any obligation specified in a contract or license.
due to military or political issues if the Covered Person’s Security Evacuation request is made more than 30 days after the Appropriate Authority(ies) Advisory was issued.
Please note, certain words used in this document have specific meanings. These terms will be capitalized throughout the document.
“Accident” means a sudden, unexpected and unintended event.
“Appropriate Authority(ies)” means the government authority(ies) in the Covered Person’s Home Country or the government authority(ies) of the Host Country.
“Assistance Provider” shall mean On Call Assistance.
"Automobile" means a self-propelled, private passenger motor vehicle with four or more wheels that is a type both designed and required to be licensed for use on the highway of any state or country. Automobiles include, but are not limited to, a sedan, station wagon, sport utility vehicle, or a motor vehicle of the pickup, van, camper, or motor- home type. Automobiles do not include a mobile home or any motor vehicle that is used in mass or public transit.
“Benefit Period” shall mean the 90 days following the onset of a Covered Accident, Injury or Sickness in which to receive Medically Necessary Covered Expenses. If the Covered Person’s Policy terminates during Their Benefit Period, They will still be eligible to receive Treatment so long as the Treatment is within Their Benefit Period and They are outside Their Home Country. Payment for Treatment will continue until the exhaustion of the Benefit Period or the Policy Medical Maximum or the return to Their Home Country, whichever comes first.
“Company” means Crum & Forster SPC
“Covered Accident” means an Accident that occurs while coverage is in force for a Covered Person and results in a loss or Injury covered by the Policy for which benefits are payable.
“Covered Expenses” means expenses actually incurred by or on behalf of a Covered Person for treatment, services and supplies covered by the Policy. Coverage under the Policy must remain continuously in force from the date of the Accident or Sickness until the date treatment, services or supplies are received for them to be a Covered Expense.
A Covered Expense is deemed to be incurred on the date such treatment, service or supply, that gave rise to the expense or the charge, was rendered or obtained.
“Covered Loss” or “Covered Losses” means an accidental death, dismemberment or other Injury covered under the Policy.
“Covered Person” means any Insured and Dependent for whom the required premium is paid (herein also referred to as “ You” or “Your” or “They” or “Their”).
"Deductible" means the dollar amount of Covered Expenses that must be incurred as an out-of-pocket expense by each Covered Person on a per incidence basis. The deductible must be met by the Covered Person before Medical Expense Benefits can be paid or reimbursed. The deductible is applied to the first eligible claim processed.
“Dependent” means an Insured’s lawful spouse or domestic partner; or an Insured’s unmarried child, from the moment of birth to age 21, who is chiefly dependent on the Insured for support. A child, for eligibility purposes, includes an Insured’s natural child; adopted child, beginning with any waiting period pending finalization of the child’s adoption; or a stepchild who resides with the Insured or depends chiefly on the Insured for financial support. A Dependent may also include any person related to the Insured by blood or marriage and for whom the Insured is allowed a deduction under the Internal Revenue Code. Insurance will continue for any Dependent child who reaches the age limit and continues to meet the following conditions: 1. the child is handicapped, 2. is not capable of self- support and 3. depends chiefly on the Insured for support and maintenance. The Insured must send Us satisfactory proof that the child meets these conditions, when requested. We will not ask for proof more than once a year.
“Designated Security Consultant” means an employee of a security firm under contract with Us or our Assistance Provider who is experienced in security and measures necessary to ensure the safety of the Covered Person(s) in his or her care.
“Economy Fare” means the lowest published rate for a one-way economy ticket.
“Evacuation Advisory” means a formal recommendation issued by the Appropriate Authorities that the Covered Person or citizens of his or her Home Country or Country of Residence or citizens of the Host Country leave the Host Country.
“Hazard” means: a) Any delay of a Common Carrier (including Inclement Weather); b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved; c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot; d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).
“Health Care Plan” means a policy or other benefit or service arrangement for medical or dental care or treatment under: 1. group or blanket coverage, whether on an insured or self-funded basis; 2. Hospital or medical service organizations on a group basis; 3. Health Maintenance Organizations on a group basis; 4. group labor-management plans; 5. employee benefit organization plans; 6. association plans on a group or franchise basis; or 7. any other group employee welfare benefit plan as defined in the employee Retirement income Security Act of 1974, as amended.
"Home Country" means the country which the Covered person has declared to the US in writing as his or her true, fixed and permanent home and principal establishment.
“Hospital” means an institution that: 1. operates as a Hospital pursuant to law for the care, treatment, and providing of in-patient services for sick or injured persons; 2. provides 24-hour nursing service by Registered Nurses on duty or call; 3. has a staff of one or more licensed physicians available at all times; 4. provides organized facilities for diagnosis, treatment and surgery, either: (i) on its premises; or (ii) in facilities available to it, on a pre- arranged basis; 5. is not primarily a nursing care facility, rest home, convalescent home, or similar establishment, or any separate ward, wing or section of a Hospital used as such; and 6. is not a place solely for drug addicts, alcoholics, or the aged or any separate ward of the Hospital.
“Hospital Confined” means an overnight stay as a registered resident bed-patient in a Hospital.
“Host Country” means any country, other than an OFAC excluded country, in which the Covered Person is traveling while covered under the Policy.
“Immediate Family Member” means the spouse, parent, parent-in-law, grandparent, child, grandchild, brother, sister, fiancé, aunt, uncle, niece or nephew, such person being related to the Covered Person.
"Injury" means accidental bodily harm sustained by a Covered Person that results, directly and independently from all other causes, from a Covered Accident. All injuries sustained by one person in any one Accident, including all related conditions and recurrent symptoms of these injuries, are considered a single Injury.
“Medical Emergency” means a condition caused by an Injury or Sickness that manifests itself by symptoms of sufficient severity that a prudent layperson possessing an average knowledge of health and medicine would reasonably expect that failure to receive immediate medical attention would place the health of the person in serious jeopardy.
“Medically Necessary” means a treatment, service or supply that is: 1. required to treat an Injury or Sickness; prescribed or ordered by a Physician or furnished by a Hospital; 2. performed in the least costly setting required by the Covered Person’s condition; and 3. consistent with the medical and surgical practices prevailing in the area for treatment of the condition at the time rendered. Purchasing or renting 1. air conditioners; 2. air purifiers; 3. motorized transportation equipment; 4. escalators or elevators in private homes; 5. eyeglass frames or lenses; 6. hearing aids; 7. swimming pools or supplies for them; and 8. general exercise equipment is not considered Medically Necessary. A service or supply may not be Medically Necessary if a less intensive or more appropriate diagnostic or treatment alternative could have been used. We may, at Our discretion, consider the cost of the alternative to be the Covered Expense.
“Missing Bag Report” means a formal report of loss as filed with the common carrier commonly known as a PIR (Passenger Irregularity Report) or PAWOB (Passenger arriving without baggage). This must include the 6-digit Claim Number or the World Tracer Record Number as provided by the carrier.
“Missing Person” means a Covered Person who disappeared for an unknown reason and whose disappearance was reported to the Appropriate Authority(ies).
“Natural Disaster” means storm (wind, rain, snow, sleet, hail, lightning, dust or sand) , earthquake, flood, volcanic eruption, wildfire or other similar event that: 1. is due to natural causes; and 2. results in such severe and widespread damage that the area of damage is officially declared a disaster area by the government in which the Covered Person’s Trip occurs and the area is deemed to be uninhabitable or dangerous.
“Nearest Place of Safety” means a location determined by the Designated Security Consultant where: 1. the Covered Person can be presumed safe from the Occurrence that precipitated the Covered Person’s Political Evacuation; and the Covered Person has access to Transportation; and 2. The Covered Person has the availability of temporary lodging, if needed.
“Necessities” means personal hygiene items and clothing.
“Occurrence” means any of the following situations involving a Covered Person: 1. expulsion from a Host Country or being declared persona non-grata on the written authority of the recognized government of a Host Country; 2. political or military events involving a Host Country, if the Appropriate Authorities issue an Advisory stating that citizens of the Covered Person’s Home Country or citizens of the Host Country should leave the Host Country; 3. deliberate physical harm of the Covered Person confirmed by documentation or physical evidence or a threat against the Covered Person’s health and safety as confirmed by documentation and/or physical evidence; 4. Natural Disaster in the area the Covered Person is traveling to and occurring after Their effective date; 5. The Covered Person has been deemed kidnapped or a Missing Person by local or international authorities and, when found, his or her safety and/or well-being are in question within seven days of his or her being found.
“Policy Period” means the dates as shown on the Covered Person’s certificate for which premium has been paid.
“Political Evacuation” means the extrication of a Covered Person from the Host Country due to an Occurrence which could result in grave physical harm or death to the Covered Person and is certified by a governing authority via declaration or warning.
“Pre-Existing Condition” means Any Injury, illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the 36 months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. This specifically includes but is not limited to any medical condition, Sickness, Injury, illness, disease, mental illness or mental nervous disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36 month period immediately preceding the Effective Date of Coverage under this Certificate. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset.
“Quarantine” means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.
“Reasonable Expenses” means any meal, lodging, local transportation and essential phone call expenses that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.
“Related Costs” means food, lodging and, if necessary, physical protection for the Covered Person during the Transport to the Nearest Place of Safety.
“Sickness” means an illness, disease or condition of the Covered Person that causes a loss for which a Covered Person incurs medical expenses while covered under the Policy. All related conditions and recurrent symptoms of the same or similar condition will be considered one Sickness.
'Supplemental Restraint System '' means an airbag that inflates on impact for added protection to the head and chest areas.
“Transport” or “Transportation” means the most efficient and available method of conveyance. Where practical, economy fare will be utilized. If possible, the Covered Person’s common carrier tickets will be used.
“Traveling Companion” means a person or persons with whom the Covered Person has coordinated travel arrangements, shares the same accommodations as the Covered Person, and intends to travel with the Covered Person during the Trip.
“Trip” means travel by air, land, or sea from the Covered Person’s Home Country.
“Unexpected Recurrence of a Pre-Existing Condition” means a sudden and unexpected outbreak or recurrence of a Pre- Existing Condition which occurs 1) spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; 2) is a minimum of 48 hours after the Effective Date of the policy; and 3) prior to the age shown in the Schedule of Benefits/Limits with treatment being obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is a congenital condition or that gradually becomes worse over time will not be considered an Unexpected Recurrence.
“Usual and Customary Charge” means the average amount charged by most providers for treatment, service or supplies in the geographic area where the treatment, service or supply is provided.
“We”, “Our”, “Us” means The Company, or Crum & Forster SPC
If any problems arise and they are included in terms of coverage. In that case, claimants must give the insurance provider notice of claim of any loss covered by the Schedule of benefits as soon as reasonably possible also, this notice needs to identify the covered person and the policy number.
Then, the claiming team will provide you with claim forms, and you must provide the requirements of written proof of loss by sending the proof as mentioned before. Furthermore, the evidence must specify the occurrence, extent, and type of the loss, as well as grant permission to release medical records.
Co-ordinated Benefit Plans, LLC on Behalf of Crum and Forster
PO Box 2069
Fairhope AL 36533
For claim status or questions please call Toll Free: 866-696-0409
Email [email protected]
PO Box 2284 Fairhope AL 36533
Toll Free: 888-301-9289 Direct: 251-661-0924
Email: [email protected]
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