Pacific Cross Insurance Company

TRAVEL PLANS

BON VOYAGE TRAVEL INSURANCE
BENEFITS		UP TO US$
BENEFITS		PLAN A	PLAN B	PLAN C
	1.) PERSONAL ACCIDENT	100,000	65,000	35,000
	Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. Maximum coverage is doubled when the Insured Person is travelling as a fare-paying passenger on a public conveyance. The limit of cover for children under 18 and persons over 75 years old is US$20,000. Doubling benefit is not applicable to children under age 18 and persons over age 75.
	2.) MEDICAL EXPENSES & EMERGENCY ASSISTANCE	100,000	75,000	50,000
	The cost of medical treatment arising from illness or accidental injury. Maximum limit for persons over age 75 is US$50,000. Medical Expenses - Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of US$300 per day for hospital room and board, and US$1,000 if the room fee includes the fees for all professional services.
	Follow-up Care - Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country.	6500	6500	6500
	Emergency Evacuation - Emergency evacuation to the nearest facility capable of providing adequate medical care.	Unlimited	Unlimited	Unlimited
	Repatriation - Repatriation to the country of origin when the Company and attending physician determine that it is necessary.	Unlimited	Unlimited	Unlimited
	Hospital Expenses Guarantee - Guarantee eligible medical expenses when hospital bills exceed US$2,500.
	Additional Costs of Travel & Accommodation - Additional travelling costs of the Insured Person for returning to the country of origin and additional costs of accommodation incurred by the Insured Person and an insured family member or travelling companion when such costs arise from hospitalization due to a covered disability necessitating medical treatment of the Insured Person.	5,000	3,500	2,000
	Family Member Visit - Travelling costs for 2 immediate family members to join the Insured Person who is confined in hospital for more than 3 days or is dead abroad.	5,000	3,500	2,000
	Return of Children - Reasonable additional accommodation and travelling expenses for unattended insured children (age below 14) return to the country of origin.	5,000	3,500	2,000
	Burial and Funeral - Transportation charges for repatriation of the mortal remains to the country of origin.	3,000	2,000	1,000
	Referral Services - All referral services such as legal assistance, interpreter, obtaining replacement of lost travel document or air ticket, etc.
	3.) HOSPITAL CASH ALLOWANCE	1,000	750	500
	US$50 for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability.
	4.) BAGGAGE & PERSONAL EFFECTS	1,500	800	500
	Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is US$250 per item and US$500 per pair or set. Loss of laptop computer is limited to US$500.
	5.) BAGGAGE DELAY	250	125	65
	Emergency purchases of essential items of toiletries and clothing up to a maximum of US$65 per article when the checked baggage is delayed for at least 12 hours from the time of arrival at destination.
	6.) LOSS OF TRAVEL DOCUMENT	2,000	1,500	1,000
	Cost of obtaining replacements of passport, air tickets, travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is US$200 for Plan A, US$150 for Plan B and US$100 for Plan C.
	7.) PERSONAL MONEY	400	260	130
	Loss of cash, bank notes and travellers checks arising from theft, burglary or robbery.
	8.) TRAVEL DELAY	800	500	300
	Additional Travel Cost - Transportation expenses necessarily incurred as a direct consequence of travel delay resulting from serious weather conditions, industrial action, hijack, mechanical derangement only if the Insured Person has to re-route his trip due to cancellation of a prior confirmed booking.
	Cash Allowance - If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at US$25 for each full 12 hours delay.	175	125	75
	9.) CURTAILMENT OF TRIP & CANCELLATION CHARGES	6,500	4,500	3,500
	Reimbursement of irrecoverable prepaid travel arrangement deposits and any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person, witness summons, jury service, compulsory quarantine; natural disasters at the planned destination or complete destruction of the Insured Person's principal residence.
	10.) PERSONAL LIABILITY	100,000	65,000	35,000
	Indemnity against legal liability to a third party as a result of accidental injury or loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motor vehicles.)
	11.) INCIDENTAL HOME COUNTRY COVER	Included	Included	Included
	An Insured Person may return to the country of origin for incidental visits for a consecutive period up to 14 days provided that the period of Insurance is not less than 31 days.
	12.) OPTIONAL RENTAL CAR PROTECTION UP TO US$25,000 (for adult between 23 and 75)
	Loss or damage occurs to a rental car result directly from fire, theft, collision or vandalism. Deductible:US$250