Page 32 - 2022 Trip Intro - Gay Armada Sailing Adventure

TRAVEL INSURANCE HTTPS: // GAYARMADA.COM / INSURANCE

All Gay Armada sailors should have travel insurance due to the unique issues and non-refundable bookings

NEW YORK, NY OPTIONS (Example of restrictive state regulations) WASHINGTON, D.C. OPTIONS (Similar to many more flexible states)

Key Coverages T.G. Plus or Cruise/Tour Protect Assist Essential Expanded T.G. Plus or Platinum Gold Silver Explanation

Trip Cancellation – Covered Reasons Up to 100% of insured cost Up to 100% of insured cost Up to 100% of insured cost Up to 100% of insured cost Up to 100% of insured cost Up to 100% of insured cost Medical, family, lost job, and many reasons

 Work reasons covered  No  No  No  Yes  Yes  No This is essential, but not available in NY State

 Military duty covered  Yes  Yes  Yes  Yes  Yes  Yes If required to perform military service

 Default of travel provider covered  Yes  Yes  Yes  Yes  Yes  Yes If travel provider defaults/closes/bankruptcy

 Travel delay loses 50%+ of overall trip  Yes  Yes  No  Yes  Yes  No Pays if delays make you miss more ½ of trip

Up to 50-75% of insured cost Up to 75% of insured cost Up to 75% of insured cost Allows you to cancel the trip before it starts for any
Trip Cancellation – ANY reason (extra $)  No  No  No
+ $40 additional + $40 additional + $28 additional reason at all for partial refund

Up to 150% of insured cost Up to 150% of insured cost Up to 150% of insured cost Up to 150% of insured cost Up to 150% of insured cost Up to 150% of insured cost Pays to help return you home if trip must be
Trip Interruption
Return air max: $1000 Return air max: $750 Return air max: $500 Return air max: $1000 Return air max: $750 Return air max: $500 interrupted and you have to return home

Live Travel Emergency Assist - Rebooking  Yes  Yes  Yes  Yes  Yes  Yes Travel agents who help you rebook plans

Trip Delay Up to $1000 @ $200 per day Up to $750 @ $150 per day Up to $500 @ $100 per day Up to $1000 @ $200 per day Up to $750 @ $150 per day Up to $500 @ $100 per day Costs if your trip is taken, but delayed

Missed Connections – Cost of delays To $1000 (TG+) $500 (CTT) Up to $250 of incurred cost  No Up to $1000 of incurred cost Up to $250 of incurred cost  No Costs tied to missed connections or delays

Bag Track – Lost luggage assistance service  Yes  Yes  Yes  Yes  Yes  Yes Use your special baggage ID tag printouts

Baggage: Lost, Stolen or Damaged Up to $2500 in lost value Up to $1000 in lost value Up to $750 in lost value Up to $2500 in lost value Up to $1000 in lost value Up to $750 in lost value Pays to replace items in lost/stolen bags

Baggage: Delayed – Temp. replacements Up to $500 of incurred cost Up to $300 of incurred cost Up to $200 of incurred cost Up to $500 of incurred cost Up to $300 of incurred cost Up to $200 of incurred cost Pays to buy things needed until bag is found

Travel Medical Assistance Service  Yes  Yes  Yes  Yes  Yes  Yes Helps you find doctors, clinics, and med. help

Illness or injury expenses while traveling, even if
Medical: Sickness / Medical Expense To $100K (TG+) $50K (CTT) Up to $10K of incurred costs Up to $15K of incurred costs Up to $100K of incurred costs Up to $25K of incurred costs Up to $15K of incurred costs not covered by health insurance

Medical: Evacuation Expense Up to $1M of incurred cost Up to $500K of incurred cost Up to $150K of incurred cost Up to $1M of incurred cost Up to $500K of incurred cost Up to $150K of incurred cost Special flights or emergency evac services

Medical Deductible  None / $0  None / $0  Yes / $50  None / $0  None / $0  Yes / $50 Deductible for any medical expenses

Worldwide Travel Assist. – Misc. emergencies  Yes  Yes  Yes  Yes  Yes  Yes Myriad of key help for various emergencies

Personal Security Assist. – Help with Police  Yes  Yes  Yes  Yes  Yes  Yes Assistance filing reports if victimized

Concierge Services – Personal arrangements  Yes  Yes  Yes  Yes  Yes  Yes Help making special arrangements

Example Policy Cost– See Footnote ~$132 + $40 ~$78 ~$63 ~$115 + $40 ~$77 + $20 ~$63 Cost, plus Cancel for Any Reason add-on

• These are illustrative examples only – See your own quotes and coverage documents for detailed coverage information
• Example sailor was priced for the following profile: Same-day deposit, with payment over time, insuring $1995 value (trip plus airfare estimate), legal resident of N.Y. or D.C., DOB 01/15/1995
• Prices vary by many factors, including cost of trip, age of traveler, dates of purchase and deposits / payments, time to travel, days of travel, state of residence, and more
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