NCL BookSafe Travel Protection Plan

Norwegian Cruise Line Travel Protection Plan

Any vacation should be hassle free, and worry free. Like every other part of your cruise with us, we make it easy to relax and do nothing but look forward to a great vacation. We know travel plans can be disrupted by the unforeseen, so we are pleased to offer BookSafe Travel Protection to help cover the cost of:

• Trip cancellation
• Trip interruption
• Lost luggage
• Trip and baggage delays
• Medical expenses
• Emergency medical transportation

Plus the peace of mind of a 24-hour hotline offering worldwide travel assistance.

NCL BookSafe Travel Protection Plan now including Job Loss Coverage

At NCL, we're making sure you feel good about booking that dream cruise. We realize a big part of achieving this dream relates to your financial security. With this in mind, we've worked with our program administrator to, expand our Travel Protection Plan to now include coverage due to involuntary job loss. We're proud to bring you the enhanced NCL BookSafe Travel Protection Plan.

Booked guests who purchase the NCL BookSafe Travel Protection Plan for any NCL sailing departing on or after May 1, 2009, are eligible for reimbursement of any pre-paid, non-refundable cancellation fees if an insured guest unexpectedly loses their job- as long as the person has been an active employee at the same company for at least one year prior to the termination.

Besides, our booked guests should be thinking about more important vacation questions, like what number SPF to pack.

• Trip Cancellation Coverage due to job loss has been added to the plan at no additional cost to you (NCL is purchasing on your behalf).
• Now, if you've involuntarily lost your job or have been terminated (by an employer for whom you have worked at least one year) after your purchase the plan, you're covered.
• Effective on all sailings May 1, 2009 and beyond.
• No change in current claims handling; claims will still be administered by BerkelyCare.

Frequently Asked Questions

What is the additional cost?
There is no additional cost to you for this added benefit, as NCL has absorbed the cost of providing cancellation coverage-due to job loss on your behalf. The NCL BookSafe Travel Protection Plan is available starting at $29 per person, depending on the cruise fare paid.

Does it matter how I lost my job?
The coverage is for job loss for anyone who has held their full time position for a year or more, and has unexpectedly and involuntarily lost their job after the plan was purchased.

When does this plan go into effect?
The job loss coverage will go into effect for all sailings May 1, 2009 and beyond, regardless of when the plan was purchased.

Can we add the coverage at any time?
NCL BookSafe Travel Protection can be added up to the time of final payment.

How do I apply for reimbursement if I lose my job?
The process is the same as with all other claims under the plan. Should you need to file a claim and you have purchased BookSafe, contact BerkelyCare for a claim form. BerkelyCare will advise of the documentation required along with your completed claim form. Upon receipt of your claim form and supporting documentation, BerkelyCare will review your claim; and if approved, will send out a refund check.

Description of Coverage

Schedule:
NCL (Bahamas) Ltd. d/b/a Norwegian Cruise Line or NCL America, Inc.

• Part A. Travel Arrangement Protection
• Part B. Medical Protection
• Part C. Baggage Protection
• Part D. Worldwide Emergency Assistance (On Call International)
• Platinum Travel Protection Plan
• Definitions
• General Plan Exclusions
• Term of Coverage
• Procedures
• Program Administration
• Special Notices & Provisions

The benefits provided in this program are subject to certain restrictions and exclusions including the Pre-Existing Condition Exclusion. Please read this brochure in its entirety for a complete description of all coverage terms and conditions. Note: Words beginning with capital letters are defined in this text.

Description of Coverage

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Part A. Travel Arrangement Protection

Maximum Benefit Amount

• Trip Cancellation.......................................Total NCL Vacation Cost
• Trip Interruption.........................................Total NCL Vacation Cost
• Trip Delay..................................................................................... $500
• Enhanced Cancellation Protection
  Provided by NCL..................................................75% Cruise Credit

Trip Cancellation and Trip Interruption Benefits Pre-Departure Trip Cancellation

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule if you are prevented from taking your Covered NCL Vacation due to your, an Immediate Family Member's, Traveling Companion's, or Business Partner's Sickness, Injury or death or Other Covered Events as defined, that occur(s) before departure on your Covered NCL Vacation. The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered NCL Vacation is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered NCL Vacation.

Pre-Departure Trip Cancellation Benefits

We will reimburse you, up to the amount in the Schedule for the amount of prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered NCL Vacation.

We will pay your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's Covered NCL Vacation is canceled and your Covered NCL Vacation for a covered reason is not canceled.

NOTE:As respects air cancellation penalties, you will be covered only for air arrangements booked through NCL and flights connecting to such air arrangements booked through NCL. We will not pay benefits for cancellation charges imposed on any other air arrangements you may book on your own.

ENHANCED TRIP CANCELLATION PROTECTION

In the event You choose to cancel for a non-insured reason at any time up until departure and you have purchased NCL's Travel Protection Plan, you will receive an NCL cruise credit equal to 75% of the penalty amount imposed for your use toward a future cruise. If you purchased NCL's Platinum Travel Protection Plan, you will receive an NCL cruise credit equal to 90% of the penalty amount imposed by NCL for use toward a future cruise. Certain restrictions on the use of these cruise credits may apply. To be eligible for credits, notification of cancellation must be given to NCL prior to the ship's departure.

Post-Departure Trip Interruption

We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if: 1) your arrival on your Covered NCL Vacation is delayed; or 2) you are unable to continue on your Covered NCL Vacation after you have departed on your Covered NCL Vacation due to your, an Immediate Family Member's, Traveling Companion's, or Business Partner's, Sickness, Injury or death or Other Covered Events as defined. For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2) above, commence while you are on your Covered NCL Vacation and your coverage is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Covered NCL Vacation is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered NCL Vacation to prevent you from continuing your Covered NCL Vacation.

Post-Departure Trip Interruption Benefits

We will reimburse you, less any refund paid or payable, for unused land and or water travel arrangements, and/or the following: the additional transportation expenses by the most direct route from the point you interrupted your Covered NCL Vacation: a) to the next scheduled destination where you can catch up to your Covered NCL Vacation; or (b) to the final destination of your Covered NCL Vacation; the additional transportation expenses incurred by you by the most direct route to reach your original Covered NCL Vacation destination if you are delayed and leave after the Scheduled Departure Date. However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare by the most direct route less any refunds paid or payable for your unused original tickets; your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's Covered NCL Vacation is interrupted and your Covered NCL Vacation is continued; reasonable additional accommodation and transportation expenses (up to $100 per day) incurred to remain near a covered traveling Immediate Family Member or Traveling Companion who is hospitalized during your NCL Vacation.

In no event shall the amount reimbursed under Trip Cancellation or Trip Interruption exceed the amount you prepaid for your Covered NCL Vacation.

Important: You, your Traveling Companion and/or your Immediate Family Member booked to travel with you must be medically capable of travel on the day you purchase this coverage. The covered reason for cancellation or interruption of your NCL Vacation must occur after your effective date of Trip Cancellation coverage. Please note: Benefits will not be paid for expenses not refunded in the event of the airline's or NCL's insolvency.

Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy: (a) being directly involved in a documented traffic accident while en route to departure; (b) being hijacked, Quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer; (c) having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster; (d) your involuntary termination of employment or layoff after your effective date of coverage. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff.

Trip Delay

If your Covered NCL Vacation is delayed, we will reimburse you, up to the amount shown in the Schedule for unused land or water travel arrangements, less any refund paid or payable and reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and economy transportation to catch up to your NCL Vacation, or to return Home. We will not pay benefits for expenses incurred after travel becomes possible.

Trip Delay must be caused by or result from:

• 1. Common Carrier delay.
• 2. Loss or theft of your passport(s), travel documents or money.
• 3. Being Quarantined.
• 4. Hijacking.
• 5. Natural disaster.
• 6. A documented traffic accident while you are en route to departure.
• 7. Unannounced strike.
• 8. A civil disorder.

Part B. Medical Protection

Maximum Benefit Amount

• Emergency Evacuation.......................................................$25,000
• Repatriation...........................................................................$5,000
• Accident Medical Expense..................................................$10,000
• Sickness Medical Expense.................................................$10,000

Medical Expense/Emergency Assistance Benefits

We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered NCL Vacation; 3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you. We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Covered Expenses:
Accident Medical Expense/Sickness Medical Expense:

expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you within one year from the date of your Sickness or Injury; expenses for emergency dental treatment incurred by you;

Emergency Evacuation

expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval; expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval; expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days; expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence, including escort expenses if you are 25 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors prior approval; expenses for one-way economy class air fare to your place of residence, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;

Repatriation:

repatriation expenses for preparation and air transportation of your remains to your place of residence, or up to an equivalent amount for a local burial in the country where death occurred, if you die while on your Covered NCL Vacation.

Please Note: In no event will all benefits paid for Emergency Evacuation expenses exceed the coverage limit of $25,000 (or $50,000 if you purchased NCL's Platinum Protection Plan). In no event will all benefits paid for Repatriation expenses exceed the coverage limit of $5,000 (or $10,000 if you purchased NCL's Platinum Protection Plan).

Please note: Benefits under Parts A & B (except Emergency Evacuation and Repatriation) are subject to the Pre-Existing Condition Exclusion detailed below and other exclusions listed in this plan.

PRE-EXISTING CONDITION

means an illness, disease, or other condition during the 60-day period immediately prior to your effective date for which you, your Traveling Companion, or Immediate Family Member who is scheduled or booked to travel with you:

• (1)received or received a recommendation for a diagnostic test, examination, or medical treatment; or
• (2)took or received a prescription for drugs or medicine.

Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60-day period before coverage is effective under this Policy.

If you have any questions concerning this exclusion, please call BerkelyCare at 1-800-722-5672 for further clarification.

Part C. Baggage Protection

Maximum Benefit Amount

• Baggage and Personal Effects..............................................$1,500
• Baggage Delay.........................................................................$750

Baggage and Personal Effects Benefit

We will reimburse you, less any amount paid or payable from any coverage provided by a Common Carrier and/or insurance specifically insuring the lost, stolen or damaged item(s), up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage during your Covered NCL Vacation.

Valuation and Payment of Loss

Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 80% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Items Subject to Special Limitations

We will not pay more than $400 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. There is a $250 per article limit.

Baggage Delay Benefit

We will reimburse you, less any amount paid or payable from any coverage provided by a Common Carrier, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed by a Common Carrier for 24 hours or more during the Covered NCL Vacation. You must be a ticketed passenger on a Common Carrier.

NOTICE TO FLORIDA RESIDENTS
Your homeowner's policy, if any, may provide coverage for loss of personal effects provided by the baggage/personal effects coverage. This insurance is not required in connection with the purchase of tickets for your NCL Vacation.

Part D. Worldwide Emergency Assistance (On Call International)

Maximum Benefit Amount

• CareFree™ Travel Assistance................................................24/7
• Medical Assistance...................................................................24/7
• Emergency Services.................................................................24/7

Not a care in the world? when you have our 24/7 global network to assist you

• CareFree™ Travel Assistance
• Medical Assistance
• Emergency Services

CareFree™ Travel Assistance

Travel Arrangements

• Arrangements for last-minute flight and hotel changes
• Luggage Locator (reporting/tracking of lost, stolen or delayed baggage)
• Hotel finder and reservations
• Airport transportation
• Rental car reservations and automobile return
• Coordination of travel for visitors to bedside
• Return travel for dependent/minor children
• Assistance locating the nearest embassy or consulate
• Cash transfers
• Assistance with bail bonds

Pre-trip Information

• Destination guides (hotels, restaurants, etc.)
• Weather updates and advisories
• Passport requirements
• Currency exchange
• Health and safety advisories

Documents and Communication

• Assistance with lost travel documents or passports
• Live email and phone messaging to family and friends
• Emergency message relay service
• Multilingual translation and interpretation services

Medical Assistance and Managed Care

• Medical case management, consultation and monitoring
• Medical Transportation
• Dispatch of a doctor or specialis
• Referrals to local medical and dental service providers
• Worldwide medical information, up-to-the-minute travel medical advisories, and immunization requirements
• Prescription drug replacement
• Replacement of eyeglasses, contact lenses and dental appliances

Emergency Services

• Emergency evacuation
• Repatriation of mortal remains
• Emergency medical and dental assistance
• Emergency legal assistance
• Emergency medical payment assistance
• Emergency family travel arrangements

CareFree™ Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-(800) 618-0692 or, from outside the U.S. or Canada, call collect: 1-(603) 898-2679.

* If you have any difficulty making this collect call, contact the local phone operator to connect you to a US-based long-distance service. In this case, please let the Assistance Provider answering the phone know the number you are calling from, so that he/she may call you back. Any charges for the call will be considered reimbursable benefits.

Note that the problems of distance, information, and communications make it impossible for Stonebridge Casualty Insurance Company, BerkelyCare, NCL, or On Call International to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, you are still responsible for obtaining, using, and paying for your own required services of all types.

Additional Benefits For Passengers Who Upgrade To Platinum Travel Protection Plan

Maximum Benefit Amount

• Emergency Evacuation.........................adds $25,000...........$50,000
• Repatriation...............................................adds $5,000...........$10,000
• Accident Medical Expense....................adds $10,000...........$20,000
• Sickness Medical Expense..................adds $10,000...........$20,000
• Baggage/Personal Effects......................adds $1,500.............$3,000
• Enhanced Cancellation Protection
  Provided by NCL.......................................................90% Cruise Credit

ENHANCED TRIP CANCELLATION PROTECTION

In the event You choose to cancel for a non-insured reason at any time up until departure and you have purchased NCL's Travel Protection Plan, you will receive an NCL cruise credit equal to 75% of the penalty amount imposed for your use toward a future cruise. If you purchased NCL's Platinum Travel Protection Plan, you will receive an NCL cruise credit equal to 90% of the penalty amount imposed by NCL for use toward a future cruise. Certain restrictions on the use of these cruise credits may apply. To be eligible for credits, notification of cancellation must be given to NCL prior to the ship's departure.

Definitions

In the certificate, "you", "your" and "yours" refer to the Insured. "We", "us" and "our" refer to the company providing the coverage. In addition certain words and phrases are defined as follows:

Accident means a sudden, unexpected, unintended and external event, which causes Injury.

Actual Cash Value means purchase price less depreciation.

Baggage means luggage, personal possessions and travel documents taken by you on the Covered NCL Vacation.

Business Partner means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.

Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire.

Covered NCL Vacation means 1) a period of travel away from Home to a destination outside your city of residence; the purpose of the Vacation is business or pleasure and is not to obtain health care or treatment of any kind; the Vacation has defined departure and return dates specified when the Insured enrolls.

Domestic Partner means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

Elective Treatment and Procedures means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.

Home means your primary or secondary residence.

Hospital means an institution, which meets all of the following requirements:

• 1. It must be operated according to law;
• 2. It must give 24 hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis;
• 3. It must provide diagnostic and surgical facilities supervised by Physicians;
• 4. Registered nurses must be on 24 hour call or duty; and
• 5. The care must be given either on the hospital's premises or in facilities available to the hospital on a pre-arranged basis.

A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).

Immediate Family Member means your or the Traveling Companion's, spouse, child, spouse's child, son-daughter-in-law, parent(s), sibling(s), brother-sister, grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster-child, or ward.

Injury means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

Insured means an eligible person who arranges a Covered NCL Vacation, and pays any required plan payment.

Insurer means Stonebridge Casualty Insurance Company.

Other Valid and Collectible Group Insurance means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.

Payments or Deposits means the cash, check, or credit card amounts actually paid to NCL for your Covered NCL Vacation.

Physician means a person licensed as a medical doctor by the jurisdiction in which he/she is a resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.

Policy means the contract issued to the Policyholder providing the benefits specified herein.

Policyholder means the legal entity in whose name this Policy is issued, as shown on the benefit Schedule.

Program Medical Advisors means On Call International.

Quarantined means the enforced isolation of an Insured and/or the restriction of free movement of an Insured suffering or suspected to suffer from a contagious disease to prevent the spread of contagious disease.

Schedule means the benefit schedule shown on the Certificate for each Insured.

Scheduled Departure Date means the date on which you are originally scheduled to leave on your Covered NCL Vacation

Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered NCL Vacation started or to a different final destination.

Scheduled Vacation Departure City means the city where the scheduled cruise on which you are to participate originates.

Sickness means an illness or disease of the body which:1) requires examination and treatment by a Physician, and2) commences while the plan is in effect.

Traveling Companion means up to 4 persons whose name(s) appear(s) with you on the same Vacation arrangement and who, during the Vacation, will share accommodations with you in the same cabin.

Usual and Customary Charge means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.

Vacation means a scheduled trip for which coverage has been elected and the plan payment paid, and all travel arrangements are arranged by NCL prior to the Scheduled Departure Date of the trip.

General Plan Exclusions

IN PARTS A & B:
WE WILL NOT PAY FOR ANY LOSS OR EXPENSE CAUSED BY OR INCURRED RESULTING FROM: a Pre-Existing Condition, as defined in the plan. This exclusion does not apply to benefits under covered expenses emergency medical evacuation or repatriation of remains of the Medical Expense/Emergency Assistance Benefits coverage, or for Trip Cancellation/Trip Interruption claims resulting from death.

IN PARTS A & B:
WE WILL NOT PAY FOR ANY LOSS CAUSED BY OR INCURRED RESULTING FROM:

• 1. Mental, nervous, or psychological disorders, except if hospitalized;
• 2. Being under the influence of drugs or intoxicants, unless prescribed by a Physician;
• 3. Normal pregnancy, except if hospitalized; or elective abortion;
• 4. Declared or undeclared war, or any act of war;
• 5. Service in the armed forces of any country;
• 6. Operating or learning to operate any aircraft, as pilot or crew;
• 7. Any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
• 8. Any amount paid or payable under any Worker's Compensation, Disability Benefit or similar law;
• 9. Elective Treatment and Procedures;
• 10. Medical treatment during or arising from a Covered NCL Vacation undertaken for the purpose or intent of securing medical treatment;
• 11. Business, contractual or educational obligations of you, an Immediate Family Member or Traveling Companion;
• 12. Failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
• 13. A loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

IN PART C:
ITEMS NOT COVERED
WE WILL NOT PAY FOR DAMAGE TO OR LOSS OF

• 1. A loss or damage caused by detention, confiscation or destruction by customs;
• 2. Animals
• 3. Property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
• 4. Artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses;
• 5. Documents or tickets, except for administrative fees required to reissue tickets;
• 6. money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards ;
• 7. Property shipped as freight or shipped prior to the Scheduled Departure Date.

LOSSES NOT COVERED
WE WILL NOT PAY FOR LOSS ARISING FROM:

• 1. Theft or pilferage from an unattended vehicle;
• 2. Mysterious disappearance.

Term of Coverage

When Coverage Begins
All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of: 1) the date the plan payment has been received by NCL; 2) the date and time you start your Covered NCL Vacation; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered NCL Vacation.

Pre-Departure Trip Cancellation coverage will take effect on the day your plan payment is received by NCL. Coverage begins at 12:01 A.M. Standard Time of the effective date of the certificate if the required plan payment is received. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date if the required plan payment is received.

When Coverage Ends
Your coverage automatically ends on the earlier of: the date the Covered NCL Vacation is completed; the Scheduled Return Date; your arrival at the return destination on a round-trip, or the destination on a one-way trip; cancellation of the Covered NCL Vacation covered by the plan. If your air arrangements are not booked by the Policyholder and are greater than 4 total days before and/or after your vacation, you will also be covered for Trip Interruption, Trip Delay and benefits under Parts B and C on the days(s) you are flying to/from your destination

Description of Coverage

Procedures

CLAIMS PROCEDURE

EMERGENCIES ARISING DURING YOUR NCL VACATION: Please refer to Part D. Worldwide Emergency Assistance. TRIP CANCELLATION CLAIMS: Contact your travel agent, NCL and BerkelyCare IMMEDIATELY to notify them of your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate claim form which must be completed by you AND THE ATTENDING PHYSICIAN, if applicable.

ALL OTHER CLAIMS: Report your claim as soon as possible to BerkelyCare. Provide the policy number, your travel dates, and details describing the nature of your loss. Upon receipt of this information, BerkelyCare will promptly forward you the appropriate claim form to complete.

Online: www.travelclaim.com
Phone: 1-(800) 722-5672 or 1-(516) 342-2720
Mail: BerkelyCare 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 11753

Office Hours: 8:00am - 10.00pm ET, Monday - Friday;
9:00am - 5:00pm ET, Saturday

IMPORTANT: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the Accident or Sickness occurred; receipts for medical services and supplies; receipts from the Hospital; police reports or claims reports from the parties responsible (e.g., airline, cruise line, hotel, etc.) for any loss, theft, damage or delay. In the event of a baggage claim, receipts for any lost or damaged items will be required. In the event of a Baggage Delay or Trip Delay claim, receipts for any additional covered expenses will be required, as well as verification of the delay. You must receive initial treatment within 90 days of the accident, which caused the Injury or the onset of the Sickness.

ENROLLMENT PROCEDURE

For your convenience, the cost of the coverage is automatically included in the total balance due. Enrollment in the NCL Travel Protection Plan or Platinum Protection Plan is made by simply paying this amount. If you do not wish to take advantage of this coverage, simply deduct the cost of the coverage from your remittance (or ask your travel agent to do so). If the coverage has not been included on your invoice and you wish to purchase it, simply ask your travel agent to contact NCL to arrange for billing.

IMPORTANT: The plan cost is itemized on your invoice separately and is NOT included in your deposit. Payment for the coverage may not be accepted after the Trip cost has been paid in full.

The plan cost is non-refundable once you enter the cancellation penalty period as stated by NCL.

Program Administration

This program was designed for NCL guests by BerkelyCare^SM:

IN CALIFORNIA: BerkelyCare^SM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465. IN ALL OTHER STATES: BerkelyCare^SM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.

For additional information regarding the plan, call BerkelyCare at 1-800-722-5672 or 1-516-342-2720. Office hours: 8 AM - 10 PM ET, Monday - Friday, 9 AM - 5 PM ET, Saturday. Ask for the NCL BookSafe Travel Protection Plan Help Line

Special Notices & Provisions

General Provisions

Our Right To Recover From Others
We have the right to recover payments we have made from anyone who may be responsible for the loss. You and anyone else we insure must sign papers and do whatever is necessary to transfer this right to us. You and anyone else we insure will do nothing after the loss to affect our right.

Claims Provisions
Payment of Claims Claims for benefits provided by the plan will be paid as soon as written proof is received. Benefits are paid directly to you, unless otherwise directed. Any accrued benefits unpaid at your death will be paid to your estate, or if no estate, to your beneficiary. If you have assigned your benefits, we will honor the assignment if a signed copy has been filed with us. We are not responsible for the validity of any assignment.

This plan is underwritten by: Stonebridge Casualty Insurance Company.

Travel Insurance is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, CT, HI, NE, NH, PA, TN and TX Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OR, OH, VT, WA and WY Policy Form #'s TAHC5100IPS and TAHC5200IPS.

If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA or WY) your plan is provided on an individual form. You can request a copy of your policy by calling BerkelyCare at 1-800-453-4090.

Travel Protection Rates

Fare Paid	Standard Plan	Platinum Plan
$0.00 to $250	$29	$79
$250.01 to $500	$59	$109
$500.01 to $1000	$89	$139
$1000.01 to $1250	$99	$149
$1250.01 to $1500	$109	$159
$1500.01 to $1750	$129	$179
$1750.01 to $2000	$149	$199
$2000.01 to $2500	$179	$229
$2500.01 to $3000	$219	$269
$3000.01 to $3500	$259	$309
$3500.01 to $4000	$299	$349
$4000.01 to $4500	$359	$409
$4500.01 to $5000	$399	$449
$5000.01 to $5500	$449	$499
$5500.01 to $6000	$499	$549
$6000.01 to $6500	$539	$589

 

Above $6,500, the cost is an additional $40 for each $500 of fare fraction of $500. Rates are per person based upon each Guest's share of the total fare paid. Should you cancel your reservation before the cancellation period begins. The plan cost will be completely refunded. Note: Rates are subject to change; however, once the rate is quoted with Guest's booking, that rate will not change unless as a result of changes made to Guest's total fare paid.