DESCRIPTION OF COVERAGE
Policy No. 8977-9500407

PART A: TRAVEL ARRANGEMENT PROTECTION

Trip Cancellation/Trip Interruption
In the event You are prevented from taking Your Tour because: (a) You, a Traveling Companion, or an Immediate Family member suffers an Injury, Sickness, or death; or (b) You or Your Traveling Companion (i) is hijacked, quarantined, required to serve on a jury, or subpoenaed; (ii) has a home made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; or (iii) is directly involved in a documented traffic accident while en route to departure; the Insurer will pay benefits up to Your total Tour cost for:

Trip Cancellation - non-refundable cancellation charges imposed by Pacific Delight Tours, and/or airfare cancellation charges for flights joining or departing 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 Tour for a covered reason and You do not cancel.

Trip Interruption - unused, non-refundable land or sea expenses prepaid to Pacific Delight Tours and/or the airfare paid, less the value of applied credit from an unused return travel ticket, 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).

The Insurer will also pay benefits, up to $100 per day, for reasonable additional accommodation and transportation expenses incurred to remain near a covered traveling Immediate Family member or Traveling Companion who is hospitalized during Your Tour.

In no event shall the amount reimbursed exceed the amount You prepaid for Your Tour.

IMPORTANT: You must be medically capable of travel on the day You purchase this coverage. The covered reason for cancellation or interruption of Your Tour must first occur after Your effective date of Trip Cancellation coverage.

Special Conditions: You must advise Your travel agent, Pacific Delight Tours, and BerkelyCare as soon as possible in the event of a claim. The Insurer will not pay benefits for any additional charges incurred that would not have been charged had You notified these parties as soon as reasonably possible.

PLEASE NOTE: Benefits will not be paid for expenses not refunded due to an airline's or Pacific Delight Tours' insolvency.

Trip Delay - The Insurer will pay benefits for Covered Expenses, up to $500, if Your Tour is delayed for 12 or more hours en route to or from Your Land/Sea Arrangements due to inclement weather, strike or other job action, or equipment failure of a Common Carrier; a traffic accident en route to a departure in which You or Your Traveling Companion is not directly involved; or due to lost or stolen passports, travel documents, or money; quarantine; hijacking; natural disaster; civil commotion, or riot.

Covered Expenses include any prepaid, unused, non-refundable Land/Sea Arrangements, any reasonable additional expenses for meals and lodging, and the cost of a one-way economy airfare ticket to catch up to the Land/Sea Arrangements or return to the place of origin shown on the travel documents.

PART B: MEDICAL PROTECTION

Emergency Evacuation
The Insurer will pay benefits for Covered Expenses if an Injury or Sickness commencing during the course of the Tour 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 Evacuations must be verified, approved, and arranged in advance by AIG Assist.

Emergency Evacuation means: (a) 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; and/or (b) after being treated at a local hospital, Your medical condition warrants Transportation to Your origination point to obtain further medical treatment or to recover.

Covered Expenses are customary and reasonable expenses, up to $15,000, for Transportation, medical services, and medical supplies necessarily incurred in connection with Your Emergency Evacuation. Expenses for medical services and supplies must be recommended by the attending Physician. All Transportation arrangements made for Your evacuation must be by the most direct and economical route possible. Expenses for Special Transportation must be:

(a) recommended by the attending Physician;
(b) required by the standard regulations of the conveyance transporting You; AND
(c) verified, approved, and arranged in advance by AIG Assist.

Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Special 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 Tour. In no event will the benefits paid for Emergency Evacuation expenses exceed the coverage limit of $15,000.

Repatriation of Remains
The Insurer will pay the reasonable Covered Expenses incurred, up to $15,000 to return Your body to Your point of origin if You die during the Tour. Covered Expenses include, but are not limited to, expenses for embalming, cremation, coffin for repatriation, and Transportation.

Accident & Sickness Medical Expense
The Insurer will pay benefits, up to $3,000, if You incur necessary Covered Medical Expenses as a result of an Injury, or up to $3,000 if You incur necessary Covered Medical Expenses as a result of Sickness. The accident causing such Injury must occur while You are covered under the policy, and the Sickness must first manifest itself during Your Tour. You must receive initial treatment within ninety (90) days of the accident which caused the Injury or the onset of the Sickness. All services, supplies, or treatment must be received within 52 weeks of the date of the accident or the onset of the Sickness.

Covered Medical Expenses are necessary services and supplies which are recommended by the attending Physician. They include the services of a legally qualified Physician, surgeon, graduate nurse, dentist, or osteopath; 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, and therapeutic services and supplies. 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.

Important: Medical benefits are subject to the Pre-Existing Condition limitations detailed below and other exclusions (please scroll down to view specifics under EXCLUSIONS).

PRE-EXISTING CONDITIONS

THE INSURER WILL NOT PAY UNDER COVERAGES IN PARTS A & B (EXCEPT EMERGENCY EVACUATION AND REPATRIATION OF REMAINS) FOR ANY CLAIMS ARISING FROM ANY INJURY, SICKNESS, OR OTHER CONDITION AFFECTING YOU, A TRAVELING COMPANION, OR AN IMMEDIATE FAMILY MEMBER BOOKED TO TRAVEL WITH YOU WHICH, WITHIN THE 60-DAY PERIOD BEFORE YOUR TRIP CANCELLATION COVERAGE BEGAN UNDER THIS INSURANCE PLAN: (A) FIRST MANIFESTED ITSELF, WORSENED, BECAME ACUTE, OR HAD SYMPTOMS WHICH WOULD PROMPT 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 WAS TAKEN REMAINED CONTROLLED WITHOUT ANY CHANGES IN THE REQUIRED PRESCRIPTION; OR (C) REQUIRED TREATMENT OR TREATMENT WAS RECOMMENDED BY A PHYSICIAN.

IMPORTANT: We will waive this Pre-Existing Condition Exclusion if You make payment for this coverage within seven (7) days of the date Your deposit or initial Tour payment is received by Pacific Delight Tours.

NOTE: Satisfaction of this prerequisite will be verified during claims processing.

If You have any questions concerning this exclusion, please call BerkelyCare at 1-(800) 343-3553 for further clarification.

EXCESS INSURANCE PROVISION

THE INSURANCE PROVIDED UNDER PARTS A & B SHALL BE IN EXCESS OF ALL OTHER VALID AND COLLECTIBLE INSURANCE OR INDEMNITY AND SHALL APPLY ONLY WHEN SUCH OTHER BENEFITS ARE EXHAUSTED.

Baggage/Personal Effects
The Insurer will reimburse You, up to $1,000, for loss, theft, or damage to baggage and personal effects. The Insurer will pay the lesser of the following: original cash value of the item less depreciation as determined by the Insurer; or cost of repair or replacement. The maximum benefit per article is $250. There will be a combined maximum limit of $500 for the following: jewelry; watches; articles consisting in whole or in part of silver, gold, or platinum; furs, articles trimmed with or made mostly of fur; and cameras and their related equipment.

Baggage Delay
You will be reimbursed for expenses of necessary personal effects, up to $300, if Your checked baggage is delayed or misdirected by an Air Common Carrier for more than 24 hours from the time You arrived at the destination stated on Your ticket. You must be a ticketed passenger on an Air Common Carrier.

Important: Coverage for this benefit is secondary to any coverage provided by an Air Common Carrier and/or insurance specifically insuring the lost, stolen, or damaged item(s).

PART D: TRAVEL ACCIDENT PROTECTION

Accidental Death & Dismemberment
If You sustain an Injury on the Tour which results in death or loss of limb, eyesight, speech, or hearing within 365 days of the date of the accident, the Insurer will pay the largest applicable amount as follows: the benefit amount shown in the Schedule of Coverages for death, loss of speech and hearing in both ears, or loss of any combination of two hands, feet, or eyes; one-half the benefit amount for loss of any one of these; and one-quarter the benefit amount for loss of thumb and index finger of the same hand. In no event will the Insurer pay more than the maximum benefit amount shown on the Schedule of Coverages for all losses due to the same accident.

The Air Common Carrier benefit applies only to Injury sustained by You (1) while in, on, boarding, or alighting from an air conveyance organized and licensed for the transportation of passengers for hire; and (2) being struck or run down by an aircraft.

Beneficiary: Your estate, unless notice of a designated beneficiary is provided to BerkelyCare.

PART E: WORLDWIDE EMERGENCY ASSISTANCE
(AIG Assist)

AIG Assist provides a 24-hour emergency telephone assistance service for Your benefit so that, in the event of an emergency during the term of this coverage, English-speaking help and advice may be furnished.

Emergency Cash Transfer Assistance:
If You need emergency cash during Your Tour, AIG Assist can help arrange a transfer through Your credit cards, family, friends, employer, or similar source.

Medical Consultation and Monitoring:
Should You need local medical care during Your Tour, AIG Assist can assist in contacting Your personal Physician or family, if necessary, to provide information on the care You are receiving.

Emergency Legal Assistance:
During the course of Your Tour, You may visit many foreign countries. Should any problems arise requiring legal assistance, AIG Assist can help You find English-speaking local counsel.

Emergency Medical & Dental Assistance:
Unexpected medical and dental emergencies can happen anywhere, anytime. You may be in unfamiliar surroundings when You suddenly need medical or dental care. AIG Assist can help You locate an English-speaking Physician or dentist or the nearest qualified medical facility, and can also assist in arranging for special emergency medical transportation, such as an air ambulance.

Lost Travel Documents Assistance:
AIG Assist's multilingual staff can provide assistance in handling unexpected complications such as lost passports, tickets, luggage, or other valuable travel documents or belongings.

Emergency Medical Payment Assistance:
Many foreign hospitals require immediate settlement of bills before treatment or may withhold Your passport until they receive full payment. Physicians and hospitals worldwide can contact AIG Assist to arrange, if required, immediate settlement of Covered Medical Expenses if other sources are not available.

TO ACCESS EMERGENCY ASSISTANCE, CALL:
1-(800) 543-3797
FROM OUTSIDE THE U.S. OR CANADA, CALL COLLECT:
1-(972) 699-0200
FAX:1-(713) 974-3422

Note that the problems of distance, information, and communications make it impossible for National Union Fire Insurance Company, BerkelyCare, or AIG Assist to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, You are still responsible for obtaining, using, and paying for Your own required services of all types.

Definitions

1. "Air Common Carrier" - means an air conveyance operating under a valid license for the transportation of passengers for hire.
2. "Business Partner" - means an individual who is: (a) involved with You in a legal partnership; and (b) actively involved in the day-to-day management of the business.
3. "Common Carrier" - means an air, land, or sea conveyance operating under a valid license for the transportation of passengers for hire.
4. "Immediate Family" - means children, step- or adopted children, children-in-law, parents, step-parents, parents-in-law, siblings, step-siblings, siblings-in-law, grandparents, grandchildren, legal or common law spouse, aunts, uncles, nieces, nephews, or a Business Partner of You or Your Traveling Companion.
5. "Injury" - means bodily injury caused by an accident occurring while this plan is in force and resulting directly and independently of all other causes in loss covered by this plan. The Injury must be verified by a Physician.
6. "Insurer"- means National Union Fire Insurance Company of Pittsburgh, PA.
7. "Land/Sea Arrangements" - means land and/or sea arrangements made by, and prepaid to, Pacific Delight Tours.
8. "Physician" - means a licensed practitioner of the healing arts acting within the scope of his/her license. The treating Physician may not be yourself, a Traveling Companion, or an Immediate Family member.
9. "Sickness" - means an illness or disease which is diagnosed or treated by a Physician after the effective date of coverage and while You are covered under this plan.
10. "Tour" - means Land/Sea Arrangements prepaid to Pacific Delight Tours and shall include flight connections to join and depart such Land/Sea Arrangements.
11. "Traveling Companion" - means one person who is booked to accompany You on Your Tour.
12. "You" or "Your" - means a person who has purchased a Tour and who has paid the required plan cost for the coverage provided hereunder.

EXCLUSIONS

Naturally, as with any protection program, limitations exist. These exclusions enable us to provide a broad range of benefits at an economical cost to You, without the necessity of medical questionnaires, and to supplement Your existing coverage plans.

THIS INSURANCE DOES NOT COVER:

IN PARTS A & B
(except Emergency Evacuation and Repatriation of Remains):
ANY LOSS CAUSED BY OR RESULTING FROM: Pre-Existing Conditions, unless this exclusion has been waived in accordance with the parameters set forth in the Pre-Existing Condition Exclusion section included above (please scroll up).

IN PARTS A, B, & D:
ANY LOSS CAUSED BY OR RESULTING FROM: Sickness or disease except as provided for in the policy; war or any act of war whether declared or not; while serving as a member of the armed services; while or as a result of riding in any device for aerial navigation other than as provided for in the policy; participation in any professional, semi-professional, or inter-scholastic team sports; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt thereat; scuba diving; skydiving, snowskiing; hang gliding; parachuting (not including parasailing); contests of speed; elective surgery; elective, non-emergency dental treatment or surgery; elective abortion; normal pregnancy, except if hospitalized; mental or nervous disorders, except if hospitalized.

IN PART C:
ANY LOSS OR DAMAGE TO: animals; automobiles and their equipment; boats; motors; motorcycles; other conveyances and their equipment (except bicycles while checked as baggage with a Common Carrier); household furniture;eyeglasses, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; money and securities; tickets and documents; sporting equipment if loss or damage results from the use thereof.

ANY LOSS CAUSED BY OR RESULTING FROM: breakage of brittle or fragile articles, such as cameras, musical instruments, radios, and similar property; wear and tear, gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; theft or pilferage while left unattended in any vehicle; mysterious disappearance.

IN PART D:
ANY LOSS CAUSED BY OR RESULTING FROM: suicide or attempted suicide while sane; intentionally self-inflicted injuries.

TERM OF COVERAGE

1) This protection is valid only upon payment of the total required plan cost in advance of any losses and will not cover any losses suffered prior to purchase.

2) In order to quickly effect coverage and protect Your Tour deposit(s) and to waive the Pre-Existing Condition Exclusion, make payment for the applicable plan cost within 7 days of Your deposit or initial Tour payment to Pacific Delight upon booking Your Tour. If You have already paid Your deposit, remit payment for the applicable plan cost to Pacific Delight prior to or upon final payment of Your Tour cost. The Trip Cancellation protection will become effective at 12:01A.M. local time on the date this payment is received by Pacific Delight. The remaining coverages and services provided take effect at 12:01A.M. local time at Your location on the contracted departure date of Your Tour.

3) All coverages and services shall terminate on the earlier of the following events:
a) Your return to Your origination point (as specified in the travel tickets);
b) 11:59 P.M. local time at Your location on the day the Land/Sea Arrangements are completed.

4) The duration of coverage shall be extended under the following conditions: (a) when You commence air travel from Your origination point (i) within 7 days before the commencement of the Land/Sea Arrangements, coverage shall apply from the time of departure from the origination point; (ii) greater than 7 days before the commencement of the Land/Sea Arrangements, the extension coverage shall be provided only on the day of Your air travel; and (b) if You return to Your origination point (i) within 7 days after the completion of the Land/Sea Arrangements, coverage shall apply until the time of return to the origination point; (ii) greater than 7 days after the completion of the Land/Sea Arrangements, the extension coverage shall be provided only on the day of Your air travel.

CLAIMS PROCEDURE
POLICY NO. 8977-9500407

1) EMERGENCIES ARISING DURING YOUR TOUR: For covered emergencies requiring evacuation or interruption of Your Tour, call AIG Assist immediately at the numbers listed above. Identify yourself by the above policy number and give the details of Your problem or medical emergency.

2) TRIP CANCELLATION CLAIMS: Call Your travel agent, Pacific Delight Tours, and BerkelyCare IMMEDIATELY at the number below to notify them of Your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate claim form which must be completed by You AND THE ATTENDING PHYSICIAN, if applicable.

BerkelyCare: 1-(800) 343-3553

3) CLAIMS NOTIFICATION UPON YOUR RETURN: Report Your claim in writing as soon as possible to BerkelyCare. Provide the policy number above, Your travel dates, and details describing the nature of Your loss. Upon receipt of this information, BerkelyCare will promptly forward You the appropriate claim form to complete.

IMPORTANT: In order to facilitate prompt claims settlement upon Your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the accident or Sickness occurred; receipts for medical services and supplies; receipts from the hospital; or police reports or claims reports from parties responsible (e.g., airline, hotel, etc.) for loss, theft, damage, or delay. In the event of a baggage claim, receipts for any lost or damaged items will be required. In the event of a baggage delay or trip delay claim, receipts for any additional covered expenses will be required, as well as verification of the delay.

WHERE TO REPORT CLAIMS

1. WORLDWIDE EMERGENCY ASSISTANCE (AIG Assist)

For traveler's assistance or emergencies during Your Tour, call within the U.S. and Canada:

1-(800) 543-3797

or, outside the U.S. and Canada, call collect:

1-(972) 699-0200
Fax: 1-(713) 974-3422

2. FOR ALL OTHER CLAIMS:

ENROLLMENT PROCEDURE

In order to quickly effect coverage and waive the Pre-Existing Condition Exclusion make, payment for the applicable plan cost within 7 days of your initial Tour or deposit payment.

PLEASE NOTE:

• The Trip Cancellation protection will become effective on the day that Pacific Delight Tours receives the correct plan cost payment.
  
• Payment for the coverage may not be accepted after the Tour cost has been paid in full.

Eligibility - This coverage is available to U.S. and Canadian residents only.

Extension Premium: If You are planning independent travel more than 7 days before or after the Pacific Delight Tours-booked Land/Sea Arrangements, You must purchase additional coverage in order to extend coverage for these independent arrangements. This extension coverage, available at a cost of $15 per person, provides an extension of all plan coverage, except Trip Cancellation/Interruption coverage for all Land/Sea Arrangements not booked through Pacific Delight Tours.

This program was designed for the
Passengers of Pacific Delight Tours by:

BerkelyCare

FOR ADDITIONAL INFORMATION, PLEASE CALL BERKELYCARE AT:

1-(800) 343-3553
or
1-(516) 294-0220

Office Hours: 9AM-5PM (EST), Monday - Friday
Ask for the Pacific Delight Tours Help Line

This plan is underwritten by:

National Union Fire Insurance Company of
Pittsburgh, PA
Executive Offices: New York, New York

A Member Company of
American International Group