Villa/Private Residence Insurance Program
Creative Leisure's Villas of Distinction is introducing
the Villa/Private Residence Insurance Program. This program is
designed to provide coverage for everyone staying at the villa for one
affordable premium. The cancellation coverage is offered in the event of
an unforeseen circumstance (as named in the insurance policy).
This program offers a whole new way to provide coverage to guests that
are booking a villa stay. Villa Booking Cost up to $100,000**
For the things you can't imagine, there's the Villa/Private Residence Insurance Program through Travel Guard
Even the best-planned trips can get blown off course by unexpected circumstances like a broken leg, 24-hour flu, an unexpected hurricane, or worse. For times like these, there's the Villa/Private Residence Insurance Program through Travel Guard.
From a grounded flight to needing immediate medical attention, the insurance program through Travel Guard can cover you and your trip from those unexpected - and undesired - events that may cause you to cancel your trip and perhaps lose your vacation investment.
Villa/Private Residence Insurance Program Also Covers for Unforeseen Weather and More!
This program also covers if you need to cancel or interrupt your trip due to a covered reason
such as hurricanes or other natural disasters, sickness, injury, and more.*
| Booking Amount | Premium | Booking Amount | Premium |
| $0 - $500 | $24 | $5,501 - $6,000 | $431 |
| $501 - $1,000 | $56 | $6,001 - $6,500 | $469 |
| $1,001 - $1,500 | $94 | $6,501 - $7,000 | $506 |
| $1,501 - $2,000 | $131 | $7,001 - $8,000 | $563 |
| $2,001 - $2,500 | $169 | $8,001 - $9,000 | $638 |
| $2,501 - $3,000 | $206 | $9,001 - $10,000 | $713 |
| $3,001 - $3,500 | $244 | $10,001 - $11,000 | $788 |
| $3,501 - $4,000 | $281 | $11,001 - $12,000 | $863 |
| $4,001 - $4,500 | $319 | $12,001 - $13,000 | $938 |
| $4,501 - $5,000 | $356 | $13,001 - $14,000 | $1,013 |
| $5,001 - $5,500 | $394 | $14,001 - $15,000 | $1,088 |
| Coverage Limit | Coverage Description |
| $1,000 | Travel Delay ($200 maximum per day) |
| $1,500 | Baggage & Personal Effects |
| $500 | Bagagge Delay ($100 maximum per day) |
| $50,000 | Accidental Medical Expense |
| $50,000 | Sickness Medical Expense |
| $500,000 | Emergency Medical Transportation |
| Included | Travel Medical Assistance |
| Included | World Travel Assistance |
| Included | Roadside Assistance |
Trip Cancellation & Interruption
Trip Cancellation and Interruption pays for forfeited, non-refundable, unused payments or deposits if due to:
* Unforeseen sickness, injury, or death of the Insured, a Traveling Companion, Immediate Family Member, or Business Partner. (Certain exclusions apply.)
* Inclement weather conditions causing delay or cancellation of travel.
* The Insured's principal residence being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster.
* The Insured(s) being subpoenaed, required to serve on jury duty, hijacked, or quarantined.
* Being involved in or delayed due to an automobile accident en route to departure.
* The Insured being called into active military service or having leave revoked or being reassigned within 30 days of departure
* A Terrorist Incident in a City listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival. 'City' means an incorporated municipality having defined
borders and does not include the high seas, uninhabited areas, or airspace.
* Termination of employment or layoff affecting the Insured or his/her Traveling Companion, must have been with the same employer for at least five continuous
years.
Reasons not covered:
* Carrier-caused delays such as mechanical difficulties (covered under Trip Delay).
* Travel arrangements cancelled by the tour operator, airline, or cruise line.
* Change in plans ('I just don't want to go.').
* Normal pregnancy or childbirth.
* Financial circumstances ('I can't afford to go.').
* Business or contractual obligations ('My boss changed my vacation.').
* Any government regulation or prohibition, war, civil disorder, nuclear reaction, or
contamination.
Trip Delay
Reimburses up to $200 a day for reasonable additional expenses if delayed for 12 hours due to:
* Carrier delay such as mechanical difficulties.
* Lost passport, money, or travel documents.
* Natural disaster.
* Injury or sickness of the Insured or Traveling Companion.
Baggage & Personal Effects
* Reimburses for loss, theft, damage, and mysterious disappearance of baggage and
personal effects.
* Primary coverage - no need to present a claim to another carrier such as
Homeowner's.
* Covers loss due to unauthorized use of credit cards if the Insured has complied with
credit card conditions.
* Pays for administrative fees to reissue lost or stolen tickets.
* Coverage for cameras, musical instruments, breakage of brittle or fragile articles, and
golf and scuba equipment.
Baggage Delay
* Reimburses up to 100 a day for the purchase of essential items if baggage is delayed
or misdirected for more than 24 hours.
Medical Expense
* No daily limits or deductibles.
* Pays for physician, hospital, ambulance services, and prosthetic devices. Initial
treatment must be received during trip. We will pay for covered expenses for up to one
year from date of injury/sickness.
* Pays for emergency dental expenses during the trip.
Emergency Medical Transportation
* Evacuation to nearest adequate medical facility.
* Up to $5,000 for medical escort.
* Transportation of remains upon death.
Optional Car Rental Collision Coverage
* Collision and comprehensive coverage for any damage that the car rental contract
holds the Insured responsible for.
* Subject to a $250 deductible.
AIG Travel Assist
This is a service benefit.
Travel Medical Assistance*
* Emergency medical transportation assistance
* Physician/hospital/dental/vision referrals
* Repatriation of mortal remains
* Return travel arrangements
* Emergency prescription replacement
* Dispatch of doctor or specialist
* Medical evacuation quote
* In-patient and out-patient medical case management
* Qualified liaison for relaying medical information to family members
* Arrangements of visitor to bedside of hospitalized Insured
* Eyeglasses and corrective lens replacement assistance
* Medical payment arrangements
* Medical cost containment/expense recovery and overseas investigation
* Medical bill audits
* Shipment of medical records
* Medical equipment rental/replacement Worldwide Travel Assistance*
* Lost baggage search; stolen luggage replacement assistance
* Lost passport/travel documents assistance
* ATM locator
* Emergency cash transfer assistance
* Travel information including visa/passport requirements
* Emergency telephone interpretation assistance
* Urgent message relay to family, friends or business associates
* Up-to-the-minute travel delay reports
* Long-distance calling cards for worldwide telephoning
* Inoculation information
* Embassy or Consulate Referral
* Currency Conversion or purchase
* Up-to-the-minute information on local medical advisories, epidemics, required
immunizations and available preventive measures
* Up-to-the-minute travel supplier strike information
* Legal referrals/bail bond assistance
* Worldwide public holiday information 24-Hour Roadside Assistance Services*
Towing Assistance, Flat Tire Assistance, Oil, Fluid and Water Delivery Service, Fuel Delivery
Service, Lock-out Assistance, Battery Assistance, and Collision Assistance.
* Non-insurance services are provided by AIG Travel Assist.
Pre-Existing Medical Condition Exclusion
Applicable to All Coverages
The Insurer will not pay for loss or expense incurred as the result of an Injury,
Sickness or other condition of the Insured, a Traveling Companion, or an Immediate
Family Member of the Insured or Traveling Companion which, within the 60 day
period before the Insured's coverage began: (a) first manifested itself, worsened,
became acute, or had symptoms which would have prompted a reasonable person to
seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine,
unless the condition for which the prescribed drug or medicine is taken remains
controlled without any change in the required prescription; or (c) required treatment
by a Physician or treatment had been recommended by a Physician.
Note:The above exclusion will be waived if insurance is purchased within 14 days of
initial trip payment. This is applicable to all coverages contained in the policy. You
must be medically able to travel when you pay your plan cost. In the event that a
claim is filed, the injury or illness must be substantiated to our Claims Department.
Applies to the first $25,000 per person/$50,000 per booking.
Termination Date: All coverage ends on the earlier of: (a) the date the trip is completed; (b) the scheduled trip completion date; (c) the Insured's arrival at the return destination on a round trip, or the destination on a one-way trip; or (d) cancellation of the trip covered by the policy. Effective Date: Trip Cancellation benefit will be effective at 12:01 a.m. on the day after the plan cost is paid to the travel agent.
Insurance Coverage
Underwritten by the National Union Fire Insurance Company of Pittsburg, PA, a subsidiary of American International Group, Inc., with its principal place of business at 70 Pine Street, New York, NY 10270. It is currently authorized to transact business in all states and the District of Columbia, NAIC No. 19445.
This is only a brief description of the insurance coverage(s) available under policy series T30253NUFIC. The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern.
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