Comprehensive Travel Protection Plan

Benefits
Description of Coverage
Important Information
Frequently Asked Questions

Benefits

All coverages are per person	Maximum Limit	Description	Notes
Trip Cancellation	Up to 100% of Insured Trip Cost	Protects unused non-refundable prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to departure for a covered Unforeseen reason.*
Trip Interruption	Up to 100% of Insured Trip Cost	In the event the trip is cut short for a covered reason,* this benefit covers the unused, prepaid non-refundable Payments or Deposits for Your land or water Travel Arrangements, plus Additional Transportation Costs.
Occupancy Upgrade	Up to 100% of Insured Trip Cost	Covers the additional costs incurred as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion's Trip is canceled for a covered Unforeseen reason and You do not cancel Your Trip
Missed Connection	$1,000	Provides coverage if you missed your tour departure due to a delay of Common Carrier or weather condition.*	Must be delayed by 3+ hours
Trip Delay	$1,000	Assists with additional travel expenses incurred during a 12+ hour delay of common carrier for a covered reason.* This includes hotel, meals and local transportation.	Must be delayed by 12+ hours
Baggage and Personal Effects Loss	$1,000	Reimbursement for permanently lost, stolen, damaged or destroyed baggage or personal effects. Including passports and visas.	Per Article Limit is $300 Special limitations Combined Maximum is $600
Baggage Delay	$250	Covers expenses not otherwise covered by a common carrier, hotel or travel supplier for personal effects if checked baggage is delayed or misdirected.	After a 24+ hour delay, outward journey only
Emergency Accident and Sickness Medical Expense	$50,000	Provides coverage for covered emergency medical expenses* such as an accidental injury or illness that strikes while on your trip.	No deductible $750 dental sublimit Primary coverage for medical expenses incurred while on your trip.
Emergency Evacuation and Repatriation of Remains	$500,000	Offers protection in the event that emergency medical care is needed and an emergency evacuation to a better level of care - or home - is required. Also covers the costs associated with returning remains home in the event of a tragedy.	All evacuation or repatriation of remains arrangements must be made through the travel assistance services listed below.
Accidental Death and Dismemberment	$25,000	Provides a percentage of maximum limit if a loss occurred as a result of an accidental injury during a trip.
Political & Security Evacuation	$100,000	Covers for an reasonable evacuation expenses incurred for Your transportation to the nearest safe haven, if You must leave Your Trip for a covered Political or Security Event.	All evacuation arrangements must be made through the travel assistance services listed below.

First payer coverage—no deductibles
Coverage for pre-existing conditions when Travel Protection Plan purchased within 14 days of deposit date for full cost of all travel arrangements—you must be fit to travel when you purchase the plan
Several trip cancellation/interruption reasons
12 hours or more trip-delay benefit
24-hour travel assistance and concierge services

*Refer to your policy for covered reasons.

NOTE: This is a broad overview of your policy provisions and does not revise or amend the policy. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and endorsements thereto. Policies are administered by Arch Insurance Solutions, 877-722-1959, CA License #0I18111, TX License #1787195. Your policy is the contract that specifically and fully describes your coverage. Certain restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Guests may contact Arch Insurance Solutions Inc. at 1-844-872-4163 if they have questions.

Description of Coverage

The Comprehensive Travel Protection Plan includes trip cancellation and interruption coverage, medical evacuation and additional post-departure benefits.

Click here for a detailed description of coverage

Important Information

For all of our departures except those to the lower 48 states and Churchill, Canada, each guest is required to have a minimum of $250,000 USD medical evacuation insurance. Medical evacuation insurance that meets or exceeds the minimum amount is included in our Comprehensive Travel Protection Plan and can also be purchased separately (Medical Evacuation Only Plan).
If you would like to add Natural Habitat Adventures’ Cancel For Any Reason Plan or cover pre-existing conditions, you must select the Comprehensive Travel Protection Plan and make payment for the quoted insurance policy within 14 days of booking. Additional information in FAQs below.
All travel insurance is non-refundable after the 10-day review period. If insurance has been quoted on your invoice, please accept or decline the policy.
If you choose to purchase the Comprehensive Travel Protection Plan and would like to add coverage for air tickets, extensions, or hotel nights, please email or call our office so we can assist you in adding these items to your policy at an additional cost.
The maximum amount of insurable coverage is $50,000. If you would like to insure coverage beyond $50,000, you will need to purchase supplemental insurance through another provider.
In the event you do need to file a claim, we are committed to helping you through the entire process. We will assist you with paperwork and make sure you have all the information you need to expedite a smooth claim process.

The travel insurance coverage Natural Habitat Adventures offers is underwritten by Arch Insurance Company, NAIC#11150, and policies are administered by Arch Insurance Solutions Inc. Guests may contact Arch Insurance Solutions Inc. at 1-844-872-4163 if they have questions.

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I saw the cost of insurance on my invoice. Does this mean I am covered under your insurance policy? No. You must purchase the insurance in order to be covered under the policy. The insurance premium cost is quoted on your invoice based on your trip package cost. What emergency travel assistance services are provided under the Comprehensive Travel Protection Plan?

Non insurance services are provided by a designated assistance company.

Global travel assistance and medical emergency services are available 24/7/365.

CALL TOLL FREE: (within the United States and Canada) 855-291-4527

CALL DIRECT: (from all other locations) 443-470-7200

Travel Assistance

Replacement of Lost or Stolen Travel Documents
Emergency Travel Arrangements
Transfer of Funds
Legal Referrals
Language Services
Message Transmittals

Medical Assistance

Worldwide Medical and Dental Referrals
Monitoring of treatment
Relay of Insurance and Medical Information
24-Hour Health Information
Medication and Vaccine Transfers
Updates to Family, Employer, and Home Physicians
Replacement of Corrective Lenses and Medical Devices

Emergency Transportation Arrangements

For coverage, these services must be arranged by designated travel assistance provider.

Emergency Medical Evacuation
Medically Necessary Repatriation
Repatration of Deceased Remains
Return of Dependent Children
Emergency Medical Reunion
Emergency Political or Security Evacuation

When does my coverage begin? When does my coverage end?

Your cancellation coverage takes effect at 12:01 am on the day following your purchase.
Your coverage ends when you arrive home from your trip.

I have elderly parents. Does the Comprehensive Travel Protection Plan cover me if I need to cancel? Yes. You are covered if you need to cancel your trip due to the illness/death of an immediate family member. An immediate family member is considered to be your or your traveling companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, domestic partner, caregiver, or child caregiver

If you cancel your trip due to the illness of one of the aforementioned family members covered by this policy, Arch Insurance Solutions (AIS) will require further information from the attending physician of the family member in order to complete your requested claim. Once you initiate your claim with AIS, you will receive a physician’s statement form that must be completed by the attending physician in order for the claim to be processed. Once the paperwork is received, the process may take from two to six weeks to be completed. What should I do if I am feeling sick before or during my trip? If you need to file a travel insurance claim as a result of an illness, please note the following tips regarding necessary documentation to support your claim.

Prior to your trip: If you feel unable to travel due to an illness and may need to file a travel insurance claim, it’s important to have your diagnosis documented by a physician as soon as possible. This will likely require an in-person visit to a doctor prior to the date of your trip to certify that you are unfit to travel. In the event that you have to cancel your trip, you will need to submit medical documentation with your insurance claim to be eligible for reimbursement of your non-refundable trip costs.

During your trip: If you arrive at your travel destination and are unwell, or fall ill during your itinerary, please let your Expedition Leader know immediately so they can either contact our Virtual Heath Service provider and/or assist you with an appointment to see a doctor. Remember, in the event that you need to leave your trip early, you will need to submit medical documentation from the attending medical provider to support your claim. My flight was canceled. Will I be able to submit a claim for the missed portion of my trip, additional expenses incurred, etc.?

Yes, as long as your flight was canceled due to a covered reason such as a mechanical breakdown, inclement weather or organized labor strike that affected public transportation.
In order to file a claim, you will need to provide proof of and reason for the flight cancellation.
Please keep your receipts, as you must provide them with your claim paperwork for reimbursement.

I’m not a citizen of the United States. Does your insurance policy cover me? Yes. The Comprehensive Travel Protection Plan is available for anyone booking travel arrangements with Natural Habitat Adventures. What is a pre-existing condition? How do I make sure I’m covered for pre-existing conditions? A pre-existing condition means an illness, disease or other condition during the 60-day period immediately prior to the effective date of your coverage for which you or your traveling companion, business partner or family member: 1) received or received a recommendation for a test, examination or medical treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60-day period before your coverage is effective under this policy. In order to be eligible for a waiver of the pre-existing condition exclusion, you must purchase insurance for the full cost of all travel arrangements within 14 days of your deposit, and you must be fit to travel at the time you purchase the plan.

PLEASE NOTE: Completing the Insurance Form on your Adventure Portal and stating that you would like insurance does not mean you are covered by insurance. You must purchase the policy in order to be covered under the Comprehensive Travel Protection Plan.

Example of how pre-existing conditions are considered: Assume you decided not to purchase the insurance within 14 days of booking, but you paid for the policy with your final balance. You take medication to control your diabetes; you have taken this medication for years. Just before your trip, your prescription changes and you end up having a reaction to the new medication. Your doctor advises you to cancel your trip, as you are unfit for travel at this time. Since you did not purchase insurance within 14 days of your deposit date, the insurance company denies your claim. Why? Even though you’ve had diabetes for many years, your condition changed due to the medication change, which happened during the 60-day period prior to the date the plan was purchased. If you would have purchased the insurance within 14 days of making your initial trip deposit, this type of situation could have been covered under the pre-existing condition exclusion waiver. Are mental, nervous or psychological illnesses covered under the Comprehensive Travel Protection Plan? These conditions are eligible for coverage under the pre-existing condition exclusion waiver. To obtain the pre-existing condition exclusion waiver, you must purchase insurance for the full cost of all travel arrangements within 14 days of your deposit, and you must be fit to travel at the time you purchase the plan. What is the cost of the Comprehensive Travel Protection Plan? The cost of the Comprehensive Travel Protection Plan is based on your age at time of purchase. Can I insure travel arrangements that I did not purchase through Natural Habitat Adventures?

Once you purchase our insurance policy for your Natural Habitat Adventures trip, you can insure any of the following components not booked through Natural Habitat Adventures prior to the start of your trip for an additional cost calculated at your current rate:

Airfare
Hotels
Extensions
Any components not booked through Natural Habitat Adventures

I have already purchased travel insurance through Natural Habitat Adventures. Doesn’t that cover my flights? No. For airfare to be covered, you must increase your coverage amount for the total combined cost of additional flight tour costs covered in your policy.

PLEASE NOTE: Any time you add an additional dollar value to the insurance, the overall premium will increase by your current rate. Some of your trips require a medical evacuation plan. Do I have to purchase both of your policies? No. If you purchase our Comprehensive Travel Protection Plan, medical evacuation is included in the policy and provides coverage up to $500,000. Medical evacuation insurance is mandatory for all of our departures except those to the lower 48 states and Churchill, Canada. Do I need insurance for my Lindblad Expeditions adventure cruise that I booked through Natural Habitat Adventures? We strongly recommend that all guests have, at minimum, medical evacuation insurance for Lindblad adventure cruises. While this is not required for Lindblad Expeditions, we make this strong suggestion in the interest of our guests' safety. We recommend that your chosen independent insurance plan includes at least $250,000 in medical evacuation coverage. To protect your investment and to provide peace of mind while you travel, we also strongly recommend purchasing comprehensive travel insurance. Plans may cover everything from medical treatment to trip cancellations and delays and lost luggage. How do I file a claim? Visit https://claims.archinsurancesolutions.com/ to initiate and submit your claim. How does the Cancel for Any Reason Plan work? What are the restrictions?

The Cancel for Any Reason Plan is provided to you by Natural Habitat Adventures and is not associated with an insurance company.
Natural Habitat Adventures provides this plan in the event your cancellation is not covered by the Comprehensive Travel Protection Plan.
You must cancel your trip at least 30 days before the departure date of your originally scheduled trip.
70 percent of the land cancellation penalty cost will be issued in the form of a future trip credit with Natural Habitat Adventures. A cash refund is not issued.
30 percent (the remainder of costs) is non-refundable.
The trip credit can be used to book a future trip with Natural Habitat Adventures that departs within two years of the original departure date.
The trip credit does not cover or apply to internal air, other air arrangements, permits, custom (pre- or post-trip) extensions, additional hotel nights, insurance premiums or any other arrangements made by Natural Habitat Adventures or guests themselves.
Any amount payable under the Cancel for Any Reason Plan will be reduced by the amount of any cancellation benefits paid or payable by the Natural Habitat Adventures Comprehensive Travel Protection Plan or any other insurance plan providing trip cancellation benefits.

What are examples covered under the Cancel For Any Reason plan?

Health issues with an older pet
Schedule conflict (e.g., work, wedding, remodeling your house, etc.)
You simply do not want to travel

How do I apply for the Cancel for Any Reason Plan? You must purchase the Comprehensive Travel Protection Plan within 14 days of booking deposit payment. What is the cost of the Cancel for Any Reason Plan? It is included when your Comprehensive Travel Protection Plan is purchased within 14 days of booking deposit payment. There is no additional cost for the Cancel for Any Reason Plan.

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