Voyages of Discovery
Protection Plan

Schedule of Coverages & Services	Maximum Benefits Per Person
PART A – TRAVEL PROTECTION Trip Cancellation Trip Interruption Trip Delay	Tour Cost Tour Cost $500 ($100/day)
PART B – MEDICAL PROTECTION Accident and Sickness Medical Expense Emergency Evacuation and Repatriation of Remains	$10,000 $20,000
PART C – BAGGAGE PROTECTION Baggage and Personal Effects Baggage Delay	$1,000 $100
PART D – TRAVEL ACCIDENT PROTECTION Accidental Death & Dismemberment	$25,000
WORLDWIDE EMERGENCY ASSISTANCE SERVICES Travel Guard® Assist 24 hour Live Travel Assistance	Included Included

Coverage is valid only if premium has been paid
- PRODUCT NUMBER: 007809 CT P1 8/03
In the event of a claim, please refer to the above Product Number.

Policy terms and conditions are briefly outlined in this Description of Coverage. Complete provisions pertaining to this insurance are contained in the Master Policy on file with American Group Travel Trust, Bank Newport as Trustee. In the event of any conflict between this Description of Coverage and the Master Policy, the policy will govern.

IMPORTANT: Exclusions apply to certain medical conditions. The Pre-Existing Condition exclusion will be waived if the protection plan is purchased within 24 hours of initial Trip payment and You are not disabled from travel at the time You pay the premium.

Part A - TRAVEL PROTECTION

Trip Cancellation/Trip Interruption : The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverages and Services, if You cancel Your Trip or are unable to continue on Your Trip due to the following Unforeseen events: a) Sickness,

Accidental Injury or death of You, Your Traveling Companion, Family Member or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A

Physician must advise cancellation of the Trip on or before the Scheduled Departure Date; b) You are hijacked, quarantined, required to serve on a jury, subpoenaed or have Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure; c) You or Your Traveling Companion being delayed by a traffic Accident while en route to a departure, in which You or Your Traveling Companion is directly involved.

Trip Cancellation : non-refundable cancellation charges imposed by Your Travel Supplier and/or airfare cancellation charges for flights joining or departing within 1 day of Your Land/Sea Arrangements; or the additional costs You may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if a person booked to share accommodations with You cancels his/her Trip for a covered reason and You do not cancel.

Trip Interruption : unused, non-refundable land or sea expenses prepaid to Travel Supplier and/or the airfare paid, to return home or rejoin the original Land/Sea Arrangements (limited to the cost of one-way Economy Airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets) less the value of applied credit from an unused return travel ticket.

In no event shall the amount reimbursed exceed the lesser of; the amount You pre-paid for Your Trip, or the maximum benefit shown on the Schedule of Coverages and Services.

Trip Delay : Trip Delay coverage will be on a one-time basis if You are delayed 12 or more hours. If You experience a covered delay, You are eligible for up to the maximum shown on the schedule of coverages and services, for reasonable, additional accommodations and travel expenses. Covered reasons for travel delay are: Carrier caused delay (including Inclement Weather); or unannounced Strike.

Part B - MEDICAL PROTECTION
Accident and Sickness Medical Expense: The Insurer will pay benefits, up to the maximum shown on the Schedule of Coverages and Services, if as the result of an Injury or Sickness while on Your Trip, You incur, within one year of the date of the

Accident or onset of the Sickness, necessary covered medical expenses, provided You received initial treatment within 1 day of the date of the Accident or the onset of Sickness. Covered medical expenses are Medically Necessary services and supplies, which are recommended by the attending Physician. They include the services of a legally qualified Physician; charges for hospital confinement and use of operating rooms; charges for anesthetics (including administration), x-ray examinations or treatments, and laboratory tests; ambulance service, drugs, medicines, prosthetics and therapeutic services and supplies; emergency dental treatment for the relief of pain. The Insurer will not pay benefits in excess of the reasonable and customary charges commonly Used by providers of medical care in the locality in which the care is furnished. Make sure You call Travel Guard (1.888.826.1300 or 1.715.345.0505) before You seek medical care while traveling. Where available, Voyages of Discovery can arrange direct payment to a member of Voyages of Discovery's Preferred medical network, saving You the time and paper work associated with reimbursement of medical expenses. Voyages of Discovery's assistance coordinators also can help You locate the nearest and most appropriate medical provider, monitor Your care, and provide updates to Your family and/or employer.

Emergency Evacuation: The Insurer will pay benefits for covered expenses up to the maximum shown on the Schedule of Coverages and Services if an Injury or Sickness commencing during the course of the covered Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of Your Injury or Sickness warrants an Emergency Evacuation.

Emergency Evacuation means:
1. Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest hospital where appropriate medical treatment can be obtained or;
2. After being treated at a local hospital, Your medical condition warrants transportation to where You reside, to obtain further medical treatment or to recover or;
3. All of the above.

Covered expenses are reasonable and customary expenses, up to the maximum, for necessary transportation, medical services, and medical supplies incurred in connection with Your Emergency Evacuation. All transportation arrangements made for Your evacuation must be by the most direct and economical route possible.

Expenses for Your Emergency Evacuation must be:
1. Recommended by the attending Physician;
2. Required by the standard regulations of the conveyance transporting You;
3. Verified and approved in advance by the Assistance Company.

Expenses for medical services and supplies must be recommended by the attending Physician. Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the scheduled Trip. All transportation must be authorized and arranged by the Assistance Company. The Company will pay up to $5,000 for reasonable and customary charges for escort expenses required by the Insured, if the Insured is disabled during a Trip and an escort is recommended, in writing, by a Physician.

Repatriation of Remains: The Insurer will pay reasonable covered expenses incurred to return Your body to Your primary residence if You die during the covered Trip. This will not exceed the maximum shown on the Schedule of Coverages and Services. Covered expenses include, but are not limited to, expenses for embalming, cremation, minimally necessary coffins for transport, and transportation.

Part C - BAGGAGE PROTECTION
Baggage/Personal Effects: The Insurer will reimburse You up to the maximum shown on the schedule of coverages and services for loss, theft, or damage to Baggage and personal effects. The Insurer will pay the lesser of the following: actual cash value at the time of the loss, less depreciation as determined by the Insurer, or the cost of repair or replacement. Per article, there is a limit of $250. There will also be a combined maximum limit of $500 for the following: jewelry; watches and cameras including related equipment; articles consisting in whole or in part of silver, gold, or platinum; furs and articles trimmed with or made mostly of fur.

Baggage Delay (Outward Journey Only): The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverages and Services, if Your checked Baggage is delayed or misdirected by Common Carrier for more than 24 hours from the time You arrive at the destination stated on the ticket, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.

Excess Insurance Provision

The insurance provided under Parts A, B, and C shall be in excess of all other valid and collectible insurance or indemnity and shall apply when such other benefits are exhausted.

Part D - TRAVEL ACCIDENT PROTECTION
Accidental Death and Dismemberment If You sustain an Injury while on the Trip, which results in loss of life; actual severance of limb; or entire and irrecoverable loss of: eyesight, speech, or hearing; within 180 days of the date of the Accident, the Insurer will pay the largest applicable amount as follows: the full benefit amount is paid for loss of life, two hands or two feet, one hand and one foot, sight in both eyes, one hand or one foot and sight in one eye. One half of the benefit amount is paid for loss of one hand or one foot, sight of one eye. In no event will the Insurer pay more than the maximum amount shown on the Schedule of Coverages and Services for all losses due to the same Accident.

Disappearance: The Insurer will pay benefits for loss of life if Your body cannot be located one year after the disappearance of the conveyance in which You were a passenger due to forced landing, stranding, sinking, or wrecking.

WORLDWIDE EMERGENCY - ASSISTANCE SERVICES
The following services are not part of a filed insurance policy. All benefits provided are service benefits, not financial benefits. Any costs associated with benefits not purchased will be paid by the named Insured.
Non-insurance services through Travel Guard®
Assist are provided by Travel Guard® .

TRAVEL GUARD® ASSIST
24-Hour Medical Assistance
24-Hour Medical Monitoring: Physicians monitor Your condition by maintaining close contact with the attending Physicians, Your family Physician, and immediate Family Members.

Medical Evacuation: Arrangements for any and all means necessary to transport You back home when Medically Necessary.

Emergency Medical Payments: If a hospital demands a cash deposit or settlement prior to leaving, Travel Guard will assist in arranging the advancement of funds to cover on-site Medical Expenses.

Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier.

Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with You to be flown home.

Family Visit: If You are hospitalized for ten or more days, Travel Guard will arrange transportation for an immediate Family Member or close friend to visit You.

Transportation of Mortal Remains: In the event of death while traveling, arrangements and payment for the return of remains to the place of burial.

24-Hour Legal Assistance
In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.

24-Hour Travel Assistance
Travel Documents Assistance: Travel Guard will help retrieve, report, and reissue lost or stolen travel documents.

Emergency Cash Transfer: Travel Guard will, whenever possible, coordinate with You and a wire agency, in obtaining funds in local currency for medical or travel emergencies.

Emergency Message Center: Transmission of emergency messages to family and business associates.

Interpretation Services: Travel Guard will provide emergency language support or referral to the appropriate local services.

NOTE: Problems of distance, information and communication make it impossible for Arch Insurance Company or Travel Guard to assume any responsibility for the availability, quality, use or result of any emergency service. In all cases, You are still responsible for obtaining, using and paying for Your own required services of all types.

EXCLUSIONS

CLAIMS PROCEDURE
All claims of California residents will be administered by Mercury Claims Administrator Services, LLC. All Accident, health, and life claims will be administered by Mercury Claims & Assistance of WI, LLC in those states where it is licensed. To facilitate prompt claims settlement:

TRIP CANCELLATION CLAIMS: IMMEDIATELY Call Travel Supplier and the Claims Administrator to report Your cancellation and avoid non-covered expenses due to late reporting. The Claims Administrator will then advise You on how to obtain the appropriate form to be completed by You and the attending Physician. Proof of insurance payment may be required.

INTERRUPTION: Obtain medical statements from the doctors in attendance in the country where Sickness or Accident occurred. These statements should give complete diagnosis, stating that the Sickness or Accident prevented traveling on dates contracted.

Provide all unused transportation tickets, official receipts, etc and proof of insurance payment.

TRIP DELAY: Obtain any specific dated documentation, which provides proof of the reason for delay (airline or cruise line forms, medical statements, etc). Submit this documentation along with Your Trip itinerary, proof of insurance payment, and all receipts from additional expenses incurred.

MEDICAL EXPENSES: Obtain receipts from the providers of service, etc., stating the amount paid and listing the diagnosis and treatment; submit these first to other medical plans. Provide a copy of their final disposition of Your claim along with proof of insurance payment.

BAGGAGE: Obtain a statement from the Common Carrier that Your Baggage was delayed or a police report showing Your Baggage was stolen along with copies of receipts for Your purchases and proof of insurance payment.

TO OBTAIN CLAIM FORMS AND ANY ADDITIONAL INFORMATION ON HOW TO REPORT A CLAIM, CALL OR WRITE THE PLAN ADMINISTRATOR AND REFER TO PRODUCT #007809 P1 8/03.

TERM OF COVERAGE

The Trip Cancellation Benefit takes effect at 12:01 a.m. the day after the receipt of the appropriate plan cost that covers the full cost of Your Trip. All other coverages take effect at 12:01 a.m. local time at Your location on the departure date of Your Trip. All coverages shall terminate on the earlier of the following dates:

a) Your return to the origination point as specified in the travel tickets; (b) 11:59 p.m. local time at Your location on the date Your Trip is completed. If You extend the return dates, all coverages will terminate at 11:59 p.m. local time at Your location on the Scheduled Return Date.

EXTENDED COVERAGE. All coverage under the policy will be extended, if: (a) Your entire Trip is covered by the policy; and (b) Your return is delayed by covered reasons specified under Trip

Cancellation and Interruption or Travel Delay. If coverage is extended for the above reasons, coverage will end on the earlier of: (a) the date You reach Your return destination; or (b) seven (7) days after the date the Trip was scheduled to be completed.

Notice to California residents: The plan contains disability insurance benefits or health insurance benefits, or both, that only apply during Your covered Trip. You may have coverage from other sources that already provides You with these benefits. You should review Your existing policies. If You have any questions about Your current coverage, call Your insurer or health plan.

Notice to State of Washington Residents: This is not Your insurance policy. To obtain Your state-specific insurance policy, call 1.866.644.6812.

You are entitled to cancel the policy within 14 days of Your purchase date with a full refund provided You have not already departed on Your Trip. Under Accident and Sickness Medical Expense, You are eligible for coverage if You receive any treatment within 365 days of the Accident or 30 days of the onset of the Sickness.

"Excess Insurance Provision" is not applicable

IMPORTANT NOTICE: Payments for the plan will not be accepted after Your total tour cost has been paid in full. Protection plan fees are non-refundable.

Prices, terms, and conditions listed in this summary are subject to change without notice, and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking.

If you book a Voyages of Discovery cruise, you can purchase insurance from Discovery World Cruises or from the independent insurance provider, CSA. Click here to see details of the CSA Vacation Guarantee