Insurance

_________________________________________________________________________________________________________________________

I am obligated to make financial commitments to my suppliers prior to a tours departure based on your anticipated participation. This is why I ask for payments from you 45 days in advance of the trip, because I must make payment to the vendors for you at that time. These payments become non-refundable 30 days prior to the trip. Therefore, I suggest purchasing travel insurance on the overnight trips to cover yourself in the case of an emergency or illness.

I offer travel insurance through Insure America, a wholly owned subsidiary of AIG Travel Services Inc. If insurance is purchased within 7 days of your initial trip payment, the Pre-Existing Medical Condition Exclusion will be waived. You must be medically able to travel when you pay your premium.

Your premium is based on the per person cost of your trip. Premiums below are subject to change, pricing is current as of 5/30/07.

$ 2,501 - and up.........................................$ 155 plus $ 6 per $ 100 of coverage over $ 2,500

Pre-existing Medical Condition Exclusion Waiver:

If insurance is purchased within 7 days of the initial trip payment, the Pre-Existing Condition Exclusion will be waived. This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your premium. In the event that a claim is filed, the injury or illness must be substantiated to our Claims Department. Exclusions apply to certain medical conditions.

Medical Expense. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 1,000

Travel Guard Assist . . . . . . . . . . . . . . . . . . . . . . . . . . . . Included

Trip Cancellation & Interuption: The Insurer will pay this benefit up to the cost of the tour if a trip is cancelled or interrupted due to any of the following unforeseen reasons: (a) sickness, injury, or death of an insured, immediate family member, traveling companion or business partner. Injury or sickness must be so disabling as to reasonably cause a trip to be delayed, canceled or interrupted; (b) Inclement weather conditions causing delay or cancellation of travel; (c) the insured’s principal residence being made uninhabitable by fire, flood or similar natural disaster, vandalism or burglary; (d) the Insured being subpoenaed, required to serve on jury duty, hijacked, or quarantined; (e) being involved in or delayed due to an automobile accident en route to departure; (f) strike, resulting in the complete cessation of travel services at the point of departure or destination.

This coverage does not cover loss caused by (i) carrier-caused delays including an announced, organized, sanctioned labor union strike that affects public transportation, unless the insured’s coverage effective date is prior to when the strike is foreseeable; (ii) travel arrangements canceled or changed by an airline, cruise line, or tour operator, unless the cancellation is the result of a natural disaster; (iii) changes in plans by the insured, an immediate family member or traveling companion, for any reason; (iv) financial circumstances of the insured, an immediate family member or traveling companion; (v) any business or contractual obligations of the insured, immediate family member or traveling companion; (vi) default by the person, agency or tour operator from whom the insured bought his/her coverage or purchased his/her travel arrangements; (vii) any government regulation or prohibition; (viii) an event or circumstance which occurs prior to the insured’s coverage effective date.

Trip Cancellation benefits: The insurer will pay this benefit up to the maximum limit shown on the schedule of benefits for trips that are delayed or canceled before the scheduled contracted departure date. The insurer will pay forfeited, non-refundable, unused prepaid payments or deposits if the insured’s trip is canceled due to the reasons shown above. The insurer will pay the insured’s additional cost as a result of a change in the per-person occupancy rate for pre-paid travel arrangements if a traveling companion’s trip is canceled due to reasons shown above and the insured’s trip is not.

Trip Interruption Benefits: The insurer will pay this benefit up to the maximum limit shown on the schedule of benefits for trips that have been interrupted or delayed due to the reasons shown above. The insurer will pay for the following: (a) unused prepaid payments or deposits for the insured’s trip if the insured’s trip is interrupted; or (b) additional transportation expenses incurred by the insured to reach the original trip destination if the insured is delayed, and leaves after the contracted departure date. However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the insured’s original tickets were first class) by the most direct route, less any refunds paid or payable; (d) the insured’s additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a traveling companions trip is interrupted, and the insured’s trip is continued.

Travel Delay: The insurer will reimburse up to $100 a day to the maximum limit shown on the schedule of benefits if the insured’s trip is delayed for 12 or more hours for reasonable additional expenses until travel becomes possible. Travel delay must be caused by: (a) carrier delay; or (b) lost or stolen passport, travel documents, or money; or (c) quarantine; or (d) natural disaster; or (e) injury or sickness of the insured or traveling companion.

Loss of Baggage and Personal Effects: The insurer will reimburse up to the maximum limit shown on the schedule of benefits. The insurer will pay for loss, theft, or damage to the insured’s baggage, passports, and visas during the insured’s trip. The insurer will also pay for loss due to unauthorized use of the insured’s credit cards, if the insured has complied with all credit card conditions imposed by the credit card companies.

Medical Expense Benefit: The insurer will pay the insured’s reasonable and customary charges for medical and surgical expenses. Exclusions apply – see insurance flyer for details.

Emergency Medical Transportation: The insurer will pay this benefit up to the maximum limit shown on the schedule of benefits.

Travel Guard Assist will arrange for emergency medical transportation services required by the insured as the result of an injury or emergency during a trip, assist with transportation of dependents traveling with the insured, and travel document assistance if documents are lost or stolen.