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Insurance policy included

All travelers benefit from a Europ Assistance insurance policy offered by the Tour Operator for the following warrantees:

● ASSISTANCE INSURANCE

○ Medical Assistance

* Medical Consultation
* Sending of a Doctor or Ambulance in Italy
* Referral of a medical specialist abroad
* Medical repatriation
* Transportation of remains
* Repatriation of the other insured individuals
* Travel of a family member
* Accompaniment of minors
* Repatriation of the convalescent insured
* Prolongation of the stay
* Information and referral of corresponding medicines abroad
* Availability of interpreter while abroad
* Advance costs of basic needs (applies only to those insured who are resident in Italy)
* Early repatriation
* Advance costs of bail while abroad (applies only to those insured who are resident in Italy)
* Referral of a lawyer abroad
* Sending of urgent messages

○ Vehicle Assistance

* Roadside assistance
* Depannage

○ Assistance to family members staying at home

* Medical Consultation
* Sending of a Doctor or Ambulance in Italy

● MEDICAL EXPENSES REIMBURSEMENT

Following injury and/or sudden illness, Europ Assistance will reimburse the medical, pharmaceutical and hospital care expenses that the Insured has to bear for urgent care or interventions received on the spot during the trip for the following maximum coverage of:

For all refunds, a fixed deductible of € 50.00 will be applied per Insured.

● LUGGAGE INSURANCE

Europ Assistance provides compensation for damage to baggage and personal effects that the Insured brought at the beginning of the trip, including clothing, resulting from theft, burglary, robbery, theft, loss, loss and damage for a maximum coverage of € 1.000,00 per person in Italy, Europe and countries of the Mediterranean basin, World.

● TRIP OR ACCOMODATION CANCELLATION INSURANCE

The cover of “Travel or lease cancellation” applies from the date on which the travel/lease is confirmed and runs until the start date of the travel/lease, with “start date of travel” meaning the date on which the Insured Party was required to go to the place of departure and “start date of lease” meaning the date on which the stay begins.

If the Insured Party should need to cancel or alter the trip booked, for reasons or events that can objectively be documented and could not be foreseen at the time of confirming travel, affecting:

● the Insured Party him/herself directly and/or his/her family members;
● the joint-owner of the associated firm/business directly;

Europ Assistance will reimburse the penalty, applied contractually by the Tourist Operator:

● to the Insured Party

and, as long as they are insured and registered in the same travel file:

● to live-in family members;
● to one of the Travel Companions.

If several insured parties are registered to travel together at the same time, for lack of any other persons of the same family nucleus living with the Insured Party, the latter shall specify a single person as his/her “Travel Companion”.

○ EXCLUSIONS

The guarantee excludes cases of renunciation caused by:

1. misconduct of the Insured Party or serious negligence;
2. theft, robbery, loss of identification and/or travel documents;
3. mental diseases and psychological disturbances in general, including cerebral organic syndromes, schizophrenia, paranoia, manic-depressive forms and related consequences/complications;
4. state of pregnancy or consequent pathological situations in cases where conception was prior to the date on which travel was booked;
5. injury, illness or death occurring prior to confirmation of travel;
6. illnesses that are the expression or direct consequence of chronic or pre-existing pathological situations in place at the time the travel was confirmed;
7. consequences and/or complications of injuries that took place prior to confirming the travel;
8. situations of armed conflict, invasion, acts by foreign enemies, hostilities, war, strikes, uprisings, popular tumult, acts of terrorism, earthquakes, volcanic eruptions, atmospheric phenomena classed as natural disasters, atom nucleus transmutation, radiation caused by the artificial acceleration, radiation caused by the artificial acceleration of atomic particles;

● bankruptcy of the Carrier or Travel Agency or Organiser;

1. epidemics classed as pandemics, of such a severity and virulence as to entail a high level of mortality or to requirerestrictive measures in order to reduce the risk of transmission to the civil population, quarantine;
2.deposits and/or advances that are not justified by penalty tax documents;

● failure by the Insured Party to send the communication (pursuant to the section OBLIGATIONS OF THE INSURED PARTY IN THE EVENT OF A CLAIM) before the travel/stay start date, except for cases of cancellation caused by death or hospitalisation of at least 24 consecutive hours (excluding day hospital and accident & emergency) of a family member.

○ OBLIGATIONS OF THE INSURED PARTY IN THE EVENT OF A CLAIM

In the event of a change and/or forced renunciation of travel or rental, the Insured Party must:

– within five calendar days of the onset of the cause of the renunciation and in any case before the travel start date, make a declaration – by accessing the portal https://sinistrionline.europassistance.it and following the instructions (or accessing the website www.europassistance.it, claims section, directly) or must send a fax to 02.58.47.70.19, with a written declaration addressed to: Ufficio Liquidazione Sinistri (Annullamento Viaggio) (Claims Liquidation Office (Travel Cancellation)) – Europ Assistance Italia S.p.A. – Piazza Trento, 8 – 20135 Milan, specifying:

– first name, last name, address, telephone number, tax code;
– Europ Assistance card number
– the reason for the cancellation or change;
– place at which the Insured Party or persons causing the cancellation (family member, joint-owner of the associated firm/business) can be contacted;

If the renunciation and/or change to travel or rental is caused by illness and/or injury, the declaration must also specify:

– the type of pathology;
– the pathology start and end.

Within 15 days of the above declaration, the Insured Party must also provide Europ Assistance Italia S.p.A. with the following documents:

– copy of the Europ Assistance card if held by the Insured Party;
– original documentation able to provide objective proof of the cause of renunciation/change;
– documentation showing the connection between the Insured Party and any party causing the renunciation;
– in the event of illness or injury, medical certificate stating the date of the injury or onset of the illness, the specific diagnosis and days’ prognosis;
– in the event of hospitalisation, a true copy of the original medical record;
– in the event of death, the death certificate;
– travel registration card or similar document;
– receipts (deposit, balance, penalty) of payment of the travel or rental;
– billing statement of confirmation as issued by the Travel Agency/Organisation;
– invoice of the Travel Agency/Organisation in relation to the penalty charged;
– copy of the cancelled ticket;
– travel regulation and programme;
– travel documents (visas, etc.);
– travel confirmation contract.

If a penalty is charged by the airline carrier/shipping company:

– confirmation of purchase of ticket or similar document;
– receipt of ticket payment;
– declaration of the airline carrier/shipping company certifying the penalty charged or refund notice;
– copy of the cancelled air or ship tickets documenting the amounts charged to the customer.

Europ Assistance has the right to gain possession of travel and/or lease documents not used by the Insured Party.

Breach of the obligations relating to the declaration of the Claim may result in the loss of a right to Indemnity, in accordance with Art. 1915 of the Italian Civil Code.

○ CRITERIA FOR LIQUIDATION OF THE DAMAGES

The penalty charged against the Insured Party will be reimbursed in full, including file management fees, agency fees, fuel adjustments and visas (excluding, in the event of the purchase of a flight ticket, airport taxes that can be reimbursed by the airline) up to the limit to liability envisaged in the contract with the Tour Operator, per Insured Party and fr the travel destination and/or reported by the Tour Operator in its catalogues.

Said maximum cover cannot in any case exceed Euro 7,000.00 per Insured Party. In the event of the renunciation of more than one Insured Party registered for travel together and simultaneously, the reimbursement will be paid out up to the amount equal to the sum of the maximum amounts insured per Insured Party, but with the total maximum of Euro 15,000.00 per claim.

Europ Assistance reimburses the cancellation penalty:

in the event of a change and/or forced renunciation of travel caused by hospitalisation (excluding day hospital and accident & emergency) or death; the penalty will be reimbursed without applying any excess;

in the event of renunciation not caused by hospitalisation or death, the penalty will be refunded with the application of a deductible amount equal to 20% of the total penalty; if the penalty should exceed the maximum cover, the deductible amount will be calculated on the latter.

It is agreed that the calculation of the reimbursement will be equivalent to the percentages existing as at the date on which the event took place (Art. 1914 of the Italian Civil Code). Therefore, if the Insured Party should cancel the trip after the event, any greater penalty will be at his/her expense.

○ PROFESSIONAL SECRECY

The Insured Party releases any doctors, who may be appointed to examine the claim and who examined him before or after the claim, from constraints to professional secrecy with regards to Europ Assistance.

● TRAVEL REPETITION INSURANCE

If the Insured Party should interrupt the trip insured exclusively as a result of:

– organisation and delivery by Europ Assistance of the provision of Return for health reasons, according to contractual conditions;
– organisation and delivery by Europ Assistance of the provision of Early return, according to contractual conditions;
– redirection of the aeroplane on which the Insured Party is travelling, following an act of piracy.

Europ Assistance will refund the portion of the trip not used, calculated as specified in the Article entitled “CRITERIA FOR THE LIQUIDATION OF DAMAGES” .

The part of the travel not used will be reimbursed up to a maximum of the travel purchase value and as specified in the Policy Form, Mod. 16261.

Said maximum cover cannot in any case exceed Euro 7,000 per Insured Party. In the event of the interruption of more than one Insured Party registered for travel together and simultaneously, the reimbursement will be paid out up to the amount equal to the sum of the maximum amounts insured per Insured Party, but with the total maximum of Euro 15,000.00 per claim.

○ EXCLUSIONS

Cover excludes interruptions of travel caused by:

1. illnesses that are the expression or direct consequence of chronic or pre-existing pathological situations in place at the time the travel was confirmed;
2. pregnancy or consequent pathological situations;
3. mental diseases and psychological disturbances in general, including cerebral organic syndromes, schizophrenia, paranoia, manic-depressive forms and related consequences/complications;
4. illness or injury the treatment of which constituted the purpose of the trip.

Cover is also not due for claims caused by or resulting from:

1. flooding, deluge, volcanic eruptions, earthquakes, atmospheric phenomena classed as natural disasters, atom nucleus transmutation, radiation caused by the artificial acceleration of atomic particles;
2. wars, strikes, revolutions, popular turmoil or movements, looting, acts of terrorism and vandalism;
3. removal and/or transplant of organs;
4. misconduct of the Insured Party or serious negligence.

○ OBLIGATIONS OF THE INSURED PARTY

Following the interruption of the trip, within sixty days of his return to domicile, the Insured Party must submit a claim by accessing the portal https://sinistrionline.europassistance.it and following the instructions given (or by accessing the website www.europassistance.it, claims section, directly) or must send a fax to 02.58.47.70.19, with a written declaration addressed to: Europ Assistance – Piazza Trento, 8 – 20135 Milan – specifying “Ufficio Liquidazione Sinistri – Rifacimento Viaggio” (Claims Liquidation Office – Travel Repetition) on the envelope and giving:

– first name, last name, address, telephone number;
– Europ Assistance card number;
– the reason for the interruption of travel;
– travel programme;
– return date;
– certificate of payment of travel;
– billing statement of confirmation as issued by the Travel Agency/Organisation;

Breach of the obligations relating to the declaration of the Claim may result in the loss of a right to Indemnity, in accordance with Art. 1915 of the Italian Civil Code.

○ CRITERIA FOR LIQUIDATION OF THE DAMAGES

Europ Assistance will calculate the daily value of the trip, dividing the total value declared on the policy by the number of days initially envisaged and will then proceed to pay the residual days not used by the Insured Party. The date on which travel is interrupted and that of return envisaged at the start of travel, will be considered as a single day.

○ PROFESSIONAL SECRECY

The Insured Party releases any doctors, who may be appointed to examine the claim and who examined him before or after the claim, from constraints to professional secrecy with regards to Europ Assistance.