ASSURANCE "CANCELLATION  or INTERRUPTION OF TRAVEL"

CONTRACT NUMBER : EA2576/2 - LA4 6 07/2007
EA2637/2 - LB1 à 800 € - 02/2008

I - GENERAL DEFINITIONS

a) provides: (the) person (s) involved in the Travel and designated membership form.
b) Insurer: Europ assistance
Corporation with a capital of 23 601 857 €
Companies governed by the Insurance Code - 451 366 405 RCS Nanterre

Headquarters: 1, promenade de la bonnette - 92230 Gennevilliers
Tel : 01.41.85.85.85

II - THE PROPOSED GUARANTEES
Subscription and mandatory regulation on the day of registration to travel or stay.

  • A - Cost of trip cancellation :
The insured may cancel a trip because of one of the following events :

Serious accident, illness or death up to the insured's spouse or partner, their ancestors, descendants, sons-in-law or daughters-in-law, ... La gravité de l’accident ou de la maladie devra être constatée par une autorité médicale. The severity of the accident or illness must be proven by a medical authority.

Death of a brother, sister, brother or sister-in -

Damage caused by an accident, fire, explosion or a natural event causing damage to property, the premises or primary or secondary residence, occupied by the insured and requiring his presence urgent and imperative in order 'Perform acts as may be necessary,

Redundancy of the insured,

Changing the date leave by the employer, with a lower 20% of the total travel and a minimum of € 150 per insured person,

Changing professional requiring the insured to take office before the end of the journey,

Pregnancy and any complications due to this state, provided that the insured person:
- is not pregnant or has no knowledge of his condition at the time of registration to travel,
- is pregnant less than 6 months before departure.

Amount and purpose of the guarantee :

    This insurance guarantees the insured, and the accompanying inscribed on the same registration form, if they so request, reimbursement of the sum, excluding insurance premium, justified and actually paid by the insured at the time the occurrence of events guaranteed with a lower € 30 (increased to 25% of the amount paid in case of alteration or deletion of paid leave resulting solely because of the employer).
    The security of the insured shall take effect upon registration to travel or stay and stops at his departure.

Statement of claim :
 
The deadline for reporting to the insurer is set at 48 hours.

  • B - Cost of interruption of travel :
The insured may have to interrupt a trip due to one of the following events :

Serious illness, accident or death up to the insured's spouse or partner, their ancestors, descendants, sons-in-law or daughters-in-law,

The severity of the accident or illness must be established:
- by a medical authority in the place of residence for the insured
- by a family doctor or local doctor for a family member not participating in the trip.

Death of a brother, sister, a brother or a sister-in -

Material damage caused by an accident, fire, explosion or a natural event causing damage to property and premises or primary or secondary residence, occupied by the insured and requiring his presence urgent and imperative in order 'Perform acts as may be necessary,

The events of war provided that the insured is surprised by the occurrence of such events abroad: in this case, the warranty ceases 14 days after the beginning of these events.

Amount and purpose of the guarantee :

    This insurance guarantees the insured, and an accompanying written on the same registration form, if they so request, reimbursement of billed days and not reimbursed by the subscriber or the organization responsible for benefits .
    The security of the insured takes effect from the day after the incident.

  • C - Geographical coverage
Guarantees of this contract is carried out worldwide in regard to cancellation insurance, and interrupted travel.

  • D - Exclusions
1 –  Losses caused by riots, strikes, seized or forced by security forces, official prohibitions, piracy, climate impediments (storm, hurricane, and more generally cataclysm).
2 – Suicide or attempted suicide of the insured.
3 – Claims when the insured person has a blood alcohol level above the regulations.
4 – Claims arising from the consumption of drugs, narcotics, tranquilizers non-medically prescribed.
5 – Damage that are a consequence of chronic ill.
6 – The events because of the insured as a competitor to compete in sports betting, contests, rallies, competitions aerial acrobatic demonstrations, record attempts, test flights or flights on prototypes and / or their tests.
7 – Acts of terrorism.
8 – The accident or death prior to the effective date of the guarantee.
9 – Sickness, disease or illness prior to the subscription of the guarantee, including those resulting from complications of pregnancy.
10 – Illness or death is the result of poor chronic health of the insured older than 80 years.
11 – Adaptation of a new medical treatment, resulting in dysfunction that prescribed prior to the subscription for the insured person aged over 80 years.
12 – Mental illness, mental or nervous that do not lead to hospitalization of more than 7 days.