TOUR COST

$5195 per person, double

$5995 per person, single

DURATION

8 Days / 7 Nights

11 MEALS

6 B / 1 L / 4 D

ACCESSIBILITY

Please note: ADA requirements are not recognized in Iceland; walking is required for most sightseeing.

A Terrapin Tours “Signature Tour” Experience

Winter Iceland Incredible Sights & Northern Lights

November 2-9, 2021

For More Information or to Reserve Call 603-348-7141 *online reservations are not available

NOTE SPECIAL TERMS AND CONDITIONS APPLY TO THIS TOUR: $1500 per person, non-refundable deposit required at time of reservation. See attached for additional information.

JOURNEY TO THE LAND OF FIRE & ICE! Join us on this one-of-a-kind, handcrafted Signature Tour ~ a small group adventure designed for Terrapin Tours. This tour is

specifically designed to increase our chances of viewing the majestic northern lights! Experience Iceland's amazing natural

wonders ~ from towering waterfalls to glacier lagoons to geothermal hot springs and geysers.

Highlights of this Signature Tour include: Six nights boutique hotel accommodations - located in remote countryside locations to increase chances of viewing the majestic

Northern Lights • A Local guide will accompany us for the duration of our journey to share local knowledge, culture and history •

Relax and unwind at the Blue Lagoon ~ a geothermal spa like no other place on earth • Travel around the famed Golden Circle

route ~ visit the historical and geological wonder that is Thingvellir National Park, the Geysir geothermal fields, and the

impressive two-tiered Gullfoss waterfall • Visit a geothermal greenhouse where tomatoes are grown year-round • Experience

two of Iceland’s most majestic and scenic waterfalls ~ Skógafoss and Seljalandsfoss • Visit the LAVA Centre ~ an interactive

exhibition depicting the volcanic activity and earthquakes that formed Iceland over millions of years • Tour the Skogar Museum ~

housed in beautifully preserved old turf-roofed houses • Walk on the volcanic Black Sand Beaches and view the impressive and

towering basalt sea stacks • Take in the amazing Jökulsárlón glacier lagoon famous for its floating icebergs and nearby Diamond

Beach • Guided city tour of Reykjavik • An exciting off-the-beaten path adventure is included during our stay

This tour departs from Concord, NH and includes all transportation and accommodations (round-trip): Motorcoach from

Concord to Boston; Commercial Flights – Boston to Reykjavik; Private transportation and Local Guide for duration of Iceland tour •

All hotel accommodations, taxes, attractions, sightseeing and meals as indicated in itinerary • Terrapin Tours Tour Director for

duration of the tour • Maximum of 22 Passengers

PLEASE NOTE: All passengers MUST carry a valid U.S. Passport for international air travel.

Terrapin Tours - Tour Reservation Terms and Conditions (Effective on tours departing 01/01/2021 and after)

Reservations and Payments: Reservations are subject to availability at the time of request. Terrapin Tours reserves the right to decline or accept any person as a traveler.

• Day Tours: Unless otherwise noted on the tour brochure, full payment is due at the time of reservation. Payments are refundable until 60 days prior to the tour.

• Multi-Day Tours: Unless otherwise noted on the tour brochure, a deposit of $150 per person (and Travel Protection premium, if purchased) is due within 5 days to confirm your reservation. Final payment is due 90 days prior to the tour departure date.

• Signature Tours: See individual Signature Tour brochures for deposit schedule and final payment due date.

Travel Protection: For Multi-Day and Signature Tours, Optional Travel Protection is available and encouraged. Plans include insurance benefits and non-insurance worldwide assistance services. Group Deluxe and Group Deluxe with Cancel For Any Reason (CFAR) policies are available. Travelers must opt in or decline coverage at the time of booking. Policy premiums must be paid for at the time of deposit. Premiums are non-refundable if a claim has been made against the policy.

Cancellation Charges: Unless otherwise noted on the tour brochure, if you cancel for any reason prior to tour departure, the tour cancellation fees are as follows:

• Day Tours: More than 60 days prior to departure, your tour cost payment and is fully refundable.60 days or less prior to departure, your tour cost payment is non-refundable.

• Multi-Day Tours: More than 90 days prior to departure, your tour cost payment (and Travel Protection premium, if purchased) is fully refundable.90 days or less prior to departure, your tour cost payment (and Travel Protection premium, if purchased) is non-refundable.

• Signature Tours: See individual Signature Tour brochures for cancellation charges.

Methods of Payment: Check and credit card payments are accepted. We request that final tour payments be made by check, payable to “Terrapin Tours” and mailed to: PO Box 111 N. Woodstock, NH 03262. Credit card payments are subject to a 3% surcharge.

Tour Inclusions: Transportation, services, meals, sightseeing and entrance fees to attractions, as stated in the itinerary, along with taxes and gratuities for included services, unless otherwise indicated, are included in your tour package.

Tour Exclusions: All items and expenses of a personal nature and gratuities to your coach driver (recommended $4-6 per day) and tour director (recommended $6-8 per day) are not included in your package unless specified.

Parking & Departure Information: Departure locations and times are included in your confirmation letter. It is the traveler’s responsibility to arrive at the departure point as noted, as the bus will not wait for late arrivals. No refunds will be given if travelers arrive late and the tour has departed. Parking is available at departure locations. Parking is at your own risk and Terrapin Tours is not responsible for vehicles or personal items left in vehicles parked at the departure point.

Special Requests: Special requests such as dietary requests, seating requests (for medical reasons), and rooming requests should be made at the time of booking. Special dietary or meal requests are subject to availability at the hotel or venue. Requests will be noted and while every effort will be made to fulfill such requests, no request can be guaranteed.

Travelers Requiring Special Assistance: Travelers needing special assistance must inform Terrapin Tours at the time of booking. In compliance with the Americans with Disabilities Act, Terrapin Tours will make reasonable efforts to accommodate the special needs of travelers. Terrapin Tours does not provide personal services or individual assistance (such as pushing a wheelchair, assisting with walking, administering of medications, etc.). A qualified and physically able companion should accompany travelers who need such assistance.

Not all sightseeing stops/sites can accommodate wheelchairs, and some locations and sightseeing activities require extended standing, sitting, or walking—sometimes on unpaved or cobblestone streets. Terrapin Tours will not refund or cover any cost or expense incurred for any missed activities due to a traveler’s inability to fully participate with the group. The Americans with Disabilities Act is only applicable within the United States and does not apply to destinations outside of the U.S.

If we are not notified at time of reservation of any medical condition requiring special attention, Terrapin Tours reserves the right to cancel your booking or terminate your tour if your needs or medical conditions are not suitable for the tour, pose a threat to the health and safety of other travelers, or if you are not traveling with a companion who provides all the assistance you require.

Medical and Health: At Terrapin Tours’ discretion, travelers may be required to provide written confirmation of fitness for participation and/or release for participation by traveler’s physician or medical provider. Terrapin Tours reserves the right to decline to accept any person as a traveler should we determine the person’s health, mental condition, physical infirmity or general deportment may endanger the traveler or adversely affect the rights or welfare of other travelers. Further, Terrapin Tours reserves the right to require a traveler to withdraw from a trip or travel activity if the traveler’s condition or behavior deteriorates while on a tour or that withdrawal is in the best interests of the health, safety and general welfare of the tour group and/or the traveler.

In the event that a traveler departs a tour early, it is the traveler’s responsibility to make alternate travel arrangements to return home. Terrapin Tours will not refund any portion of the price paid by any traveler who is removed or departs the tour early, nor shall Terrapin Tours be responsible for expenses for lodging, medical care, meals, transportation, or any other expenses incurred by the traveler. It is the responsibility of the Tour Director to stay with the tour group and will not, under any circumstances, be expected to accompany a traveler that departs the tour early.

Photography: By signing up for this tour, consent is given to use photographs taken of you during the tour for marketing purposes including, but not limited to, the Terrapin Tours website, social media sites and in print advertising.

Responsibility Statement: Terrapin Tours, LLC herein referred to as Terrapin Tours; acts only as an agent on behalf of its tour patrons in arranging transportation, accommodations, sightseeing and other services. Terrapin Tours cannot be held responsible for deficiencies on the part of hotels, restaurants, airlines, cruise lines or any other company providing tour inclusions. Terrapin Tours, nor any of its representatives, shall not become liable or responsible in any way in connection with means of transportation or other services for any loss, injury or damage to, or in respect of, person or property however caused or arising. Terrapin Tours reserves the right to change any arrangements herein set forth should conditions necessitate, offering substitutes of equal value, or to cancel any scheduled tour. Terrapin Tours is not responsible for delays, extra expenses or any other inconveniences to travelers due to weather conditions, other “Acts of God,” and acts of terrorism. The right is reserved to decline, to accept or retain any person as a member of a tour at any time.

Tour arrangements by: Terrapin Tours, LLC · PO Box 111 · North Woodstock, NH 03262 · 603-348·7141

Winter Iceland ~ Incredible Sights & Northern Lights Itinerary Overview – November 2-9, 2021

TOUR COST: $5195 per person (Double/Sharing a Room) Single Rate: $5995

TOUR INCLUDES: All transportation from Concord, NH (round-trip) which includes: Motorcoach transportation from Concord to Boston ⚫ Round-trip Flights from Boston to Reykjavik (1-checked bag and one small carry-on allowed) ⚫ Services of a professional tour director for the duration of the tour ⚫ 6-nights hotel accommodations in first class to luxury boutique hotels ⚫ All transportation while in Iceland ⚫ Local guide for the duration of the tour in Iceland ⚫ Entrance and Premium Package to Blue Lagoon (includes towel, robe, slippers, beverage, and 2 masks) ⚫ Visit and tour of the Friðheimar greenhouse ⚫ Full Experience program at the LAVA Center ⚫ Entrance to the Skogar Museum ⚫ Additional Sightseeing as noted on the itinerary ⚫ 11 Meals (6 Breakfasts, 4 Dinners, 1 Lunch)

CANCELLATION POLICY: All payments are NON-REFUNDABLE. Cancellation for ANY REASON (including, but not limited to, illness, injury, family engagements, financial or work-related issues, geopolitical concerns, etc.) will result in the forfeit of payments made. Please understand that there will be no exceptions to our cancellation policy. Option Travel Protection is available and encouraged. Plans include insurance benefits and non-insurance worldwide assistance services. Please contact Terrapin Tours for more information regarding optional coverage. Travel Protection is non-refundable.

IMPORTANT NOTES REGARDING THIS TOUR

PLEASE NOTE: • Due to the remoteness of the locations we will be visiting and nature of some of the activities included in this tour,

participants should be in good physical health to participate. While we will do our best to accommodate special requests, this tour is not recommended for travelers if accessibility is a concern or requirement. Some hotels and attractions are not handicapped accessible and walking up to 1/4 mile to viewpoints is required to experience outdoor attractions.

• Please note that European-style hotel rooms tend to be more functional then elaborate and are typically smaller than accommodations in the United States. If you are requesting two beds in a room, the rooms will have 2-TWIN beds. Rooms with 2-queen beds are not available.

• While it is HIGHLY unlikely that we won’t see the Northern Lights while in Iceland, they are naturally occurring phenomena and sightings cannot be guaranteed.

• Be prepared for winter weather! Average temperatures range from 30-40 degrees Fahrenheit in Iceland during the month of November; snow, wind, and rain are all possible during our visit.

• This itinerary is subject to change. The itinerary/schedule is based on current and historical air flight times, but the 2021 schedules have not been confirmed yet. Modifications to the schedule are possible, but the dates of the tour will not change. Flight schedule is TBA, but we anticipate non-stop flights from Boston, which will include an overnight flight on the way to Iceland.

• All activities noted on the itinerary are WEATHER DEPENDENT and can be changed or cancelled due to inclement weather or unsafe conditions. In the event that we need to modify the schedule, we will do our best to find suitable replacement activities.

ADDITIONAL DETAILS:

• This is a one-of-a-kind, small group private tour designed specifically for Terrapin Tours. There is a maximum of 22 passengers, we will have a local guide with us for the duration of the tour, and we will be traveling in a 34 passenger mini-bus.

• Reminder: To see the Northern Lights, it needs to be dark...we’re increasing our chances by visiting at a time of year when there are approximately 16 hours of darkness a day. Good for viewing the lights, but be prepared for limited daylight.

• We have chosen smaller boutique hotels in remote or countryside locations to increase our chances of viewing the Northern Lights. While each hotel has an on-site restaurant, and comfortable accommodations, the hotels have limited amenities and are located in rural areas. Multiple dining options, shopping, and other activities are not available nearby. The evenings will be spent gazing up at the sky.

• Be prepared for higher prices in Iceland. Food, souvenirs and other items come at a higher cost. You should anticipate spending between $40-70 USD for dinner (inclusive of tax and gratuity) and $15-30 USD for lunch.

Day 1 – November 2: We will depart New Hampshire and make our way to Boston for our flight to Iceland. We anticipate a non-

stop, overnight flight that departs Boston in the late evening. Dinner on your own at the airport.

Day 2 – November 3: WELCOME TO ICELAND! Upon arrival, we will have time for a quick “grab and go” breakfast at the airport,

before meeting our local guide and driver. This morning we’ll learn all about one of the country’s most treasured natural resources –

geothermal energy, and then it’s off to begin our journey around the famed Golden Circle. Our stops include the historical and

geological wonder that is Thingvellir National Park – a UNESCO World Heritage Site. Here the American and Eurasian tectonic plates

are pulling apart at a rate of a few centimeters per year (you can actually stand on both plates at one time!), and it is here that the

Icelandic Parliament was founded in 930 AD.

In the afternoon, we will arrive at the Geysir area, which is filled with geothermal hot springs, geysers, and vents. While the original

geyser is now dormant, the Stokkur geysir shoots a column of water up to 30 meters into the air every 5-10 minutes in a thrilling

display of nature’s forces. We will check into our hotel in the late afternoon where our guide will give us more information about

the Aurora Borealis or “Northern Lights”, and if you are lucky, you will witness the bubbling hot springs contrasting with the

Northern Lights dancing in the sky above. Lunch and dinner will be on your own at the Geysir Visitor Center and/or our hotel.

HOTEL (1 Night): Litli Geysir Hotel – a newly opened hotel located on the Golden Circle, across from the geothermal fields

Day 3 – November 4: Our first stop today is one of Iceland’s most memorable sights – Gullfoss – a two-tiered, roaring waterfall that

tumbles 34 meters into the Hvítá river below. As we continue our travels, we will visit a geothermal greenhouse where tomatoes

are grown all year. Before we end our tour of the Golden Circle, we will also have a chance to come face-to-face with majestic and

gentle Icelandic horses.

This afternoon, we will visit the LAVA Centre – a volcano and earthquake exhibition center that reveals the epic forces of nature that

shaped our planet and created Iceland over millions of years. The interactive exhibition displays a collection of artifacts, films and

graphics from various volcano eruptions that have occurred in the past century.

In the late afternoon we will check into our countryside hotel for a relaxing 2-night stay. While here, you can enjoy the outdoor hot

tubs and gaze up at the sky in search of the elusive lights! Meals: Breakfast, Lunch, Dinner

HOTEL (2 Nights): Hotel Rangá - a luxury, yet relaxing countryside lodge, located on the South Coast

Day 4 – November 5: Today we will travel along the South coast to one of Iceland’s finest folk museums, the Skógar Museum. The

unique collection of mementos of this region’s past is housed in beautifully preserved old turf-roofed houses known as

Byggdarsafnid Skogar.

Next, we will visit two of South Iceland’s most well-known and beautiful waterfalls; Skógafoss, an impressive 60-meter-high

waterfall located at the foot of a mountain range, and the fairy tale-like Seljalandsfoss. Set at the foot of a mountain range,

Skógafoss comes directly from two glaciers, Eyjafjallajokull and Myrdalsjokull, and is one of the largest and most elegant waterfalls

in Iceland. Seljalandsfoss is part of the river Seljalandsá, which has its origins underneath the glacier Eyjafjallajökull. The waterfall

towers 200 feet above you, and it is possible to walk behind the falls (conditions permitting, and if you are willing to get soaking

wet!). It is one of the most photographed attractions in Iceland.

Winter Iceland ~ Incredible Sights & Northern Lights Itinerary Overview – November 2-9, 2021

REMINDER: All passengers MUST carry a valid U.S. Passport for air travel between the United States and Iceland. Passengers without proper documentation will be denied boarding and refunds will not be given. If you are not a U.S. Citizen, it is your responsibility to obtain the required travel documents to enter Iceland. Please contact your embassy or consulate to ensure you obtain the proper documentation. Please Note: U.S. Passport Cards are NOT acceptable for international air travel.

Before returning to our hotel for the evening, we will visit a local wool store, a unique family owned local gift shop in the heart of

South Iceland. Iceland is known for its fine wool products, and this will give you a chance to see the beautiful Icelandic design items

created locally. Meals: Breakfast, Dinner

HOTEL: Hotel Rangá

Day 5 – November 6: Today, we will travel along the South coast towards the small village of Vík. We will stop at the black volcanic

beach south of the village, from where you can view the impressive rock formations Dyrhólaey and Reynisdrangar.

The beach, where the Reynisdrangar rock formations are located, was voted as one of the top ten beautiful non-tropical beaches in

the world. The Reynisdrangar Sea Cliffs are towering, spiky basalt sea stacks jutting out from the black sand beach into the air. The

Dyrhólaey Peninsula is a promenade famed for its rock arch, staggering views of Iceland’s South Coast, historic lighthouse and

wealth of birdlife.

Next, we will embark on an exciting adventure! Our journey and destination will depend on the weather and road conditions, as

well as the current ice formations. We may visit a glacier, we may visit an ice cave, we may take a ride to the top of a mountain- no

matter what we do, it is sure to be memorable!

This evening we will check into our hotel for a 2-night stay. Our hotel is located near the small village of Kirkjubæjarklaustur on the

famous Ring Road between the two of Iceland’s most famous glaciers, Vatnajökull and Mýrdalsjökull. The location provides another

opportunity to gaze up this evening for a chance to see the Northern Lights. Meals: Breakfast, Dinner

HOTEL (2 NIGHTS): Fosshotel Núpar - a country hotel in a spectacular setting near glaciers, mountains, and lava fields

Day 6 – November 7: Today is all about glaciers, ice and icebergs. Our drive today takes us along the Ring Road and offers awe-

inspiring views of Europe’s largest national park. Vatnajökull National Park is home to Iceland’s highest mountains, an alpine

environment, and the Vatnajökull glacier - which dominates the area and is larger than all of Europe’s glaciers combined.

We will arrive at the spectacular Jökulsárlón glacier lagoon, famous for its floating icebergs in shades of milky white and bright blue.

On a clear day, you may even get a good view of Breiðamerkurjökull glacier behind the lake. Next to the glacier lagoon, we will stop

at the Diamond Beach where you will see large chunks of ice that have washed up on shore after being shaped and polished in the

surf of the glacier lagoon. It´s truly a beautiful sight and a great photo opportunity! In the afternoon we visit the tiny turf church at

Hof before making our way back to our hotel. Meals: Breakfast

HOTEL: Fosshotel Núpar

Day 7 – November 8: Today we will make our way back along the south coast of Iceland towards the Reykjanes peninsula -

characterized by immense lava fields, barren landscapes, cone-shaped volcanoes and heightened geothermal activity. We’ll visit the

Blue Lagoon geothermal spa to relax and unwind in the beautiful mineral rich water. The milky-blue water is unlike anything else

found on earth and makes a stark contrast to the surrounding black lava fields.

After experiencing the Blue Lagoon, we will check into our nearby hotel, Fisherman’s Village. This quaint collection of turf-topped

hotel rooms and cabins is bursting with Icelandic charm, and is located away from city lights, on its own small peninsula. This

evening we’ll enjoy a farewell dinner before venturing outside one last time to search for the Northern Lights. Meals: Breakfast,

Dinner

HOTEL: Fisherman’s Village- located seaside, on the southwestern coast of Iceland

Day 8 – November 9: This morning we will depart from our hotel and drive to the capital city of Reykjavik for a short sightseeing

tour. There will be time for lunch on your own and shopping for any final souvenirs, before we make our way to the airport. We

expect an early evening departure from Iceland and a late evening return to New Hampshire. Meals: Breakfast

NOTE: Many activities are weather dependent. In the event that we need to modify the schedule, we will do our best to find

suitable replacement activities.

GROUP DELUXE GROUP TRAVEL PROTECTION PLAN

SCHEDULE OF INSURANCE COVERAGE AND OTHER NON-INSURANCE SERVICES

Trip Cancellation** Trip Cost*

Cancel for Work Reasons Coverage for cancellation due to work-related reasons in addition to job loss

Trip Interruption** 150% of Trip Cost*

Travel Delay – 6 hours $750 ($150/day)

Missed Connection – 3 hours $500

Baggage/Personal Effects $1,500

Baggage Delay – 24 hours $400

Accident & Sickness Medical Expense $50,000

Emergency Evacuation & Repatriation $250,000

Non-Insurance Worldwide Emergency

Assistance Services Included

Cancel for Any Reason (CFAR)*** Optional * Up to the lesser of the Trip Cost paid or the limit of Coverage for which benefits are requested and the

appropriate plan cost has been paid. Maximum limit of $20,000

** For $0 Trip Cost, there is no Trip Cancellation and Trip Interruption is limited to $500 return air only

*** CFAR coverage is 75% of the nonrefundable trip cost. CFAR is optional and available for individuals or

your entire group. Trip cancellation must be 48 hours or more prior to scheduled departure. CFAR must

be purchased at the time of plan purchase and within 14 days of your initial trip deposit. This benefit is

not available to residents of New York State.

PER PERSON RATES

Cost of Trip Rates With

CFAR* Cost of Trip Rates

With CFAR*

$0 $21 N/A $7,001-$7,500 $519 $778.50

$1-$300 $33 $49.50 $7,501-$8,000 $537 $805.50

$301-$500 $39 $58.50 $8,001-$8,500 $561 $841.50

$501-$1,000 $58 $87.00 $8,501-$9,000 $595 $892.50

$1,001-$1,500 $93 $139.50 $9,001-$9,500 $623 $934.50

$1,501-$2,000 $115 $172.50 $9,501-$10,000 $665 $997.50

$2,001-$2,500 $145 $217.50 $10,001 - $11,000 $734 $1101.00

$2,501-$3,000 $172 $258.00 $11,001 - $12,000 $802 $1203.00

$3,001-$3,500 $194 $291.00 $12,001 - $13,000 $870 $1305.00

$3,501-$4,000 $242 $363.00 $13,001 - $14000 $938 $1407.00

$4,001-$4,500 $276 $414.00 $14,001 - $15,000 $1,006 $1509.00

$4,501-$5,000 $319 $478.50 $15,001 - $16,000 $1,074 $1611.00

$5,001-$5,500 $353 $529.50 $16,001 - $17,000 $1,142 $1713.00

$5,501-$6,000 $388 $582.00 $17,001 - $18,000 $1,210 $1815.00

$6,001-$6,500 $422 $633.00 $18,001 - $19,000 $1,278 $1917.00

$6,501-$7,000 $485 $727.50 $19,001 - $20,000 $1,346 $2019.00 The above rates are for trips up to 30 days – for each day over 30 add $5.00 per person per day.

All of the above rates are for the plan which includes insurance and non-insurance services.

*Cancel For Any Reason (CFAR) benefit not available to residents of New York State.

PAYMENT INFO: To purchase the Travel Insured Group Deluxe Protection Plan with or without Cancel for Any Reason please mail this form with a check to:

Terrapin Tours

P.O. Box 111 N Woodstock, NH 03262

(603) 348-7141

APPLICATION:

Applicant Name(s): _______________

________________________________

Trip Name: ______________________

Trip Dates/Tour #: ________________

Phone: _________________________

Zip: ____________________________

Email: __________________________

Trip Cost: ________________________

Optional CFAR* (please circle): YES NO

Premium Amount: ________________

I decline Coverage: _______________

________________________________ Applicant Signature

Travel Insured International®

P: 844-440-8113

www.travelinsured.com

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GENERAL LIMITATIONS AND EXCLUSIONS

Insurance benefits are not payable for any loss due to, arising or resulting from: 1. suicide, attempted suicide or any intentionally self- inflicted injury of You , a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane; 2. an act of declared or undeclared war; 3. participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard; 4. riding or driving in races, or speed or endurance competitions or events; 5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment); 6. participating as a member of a team in an organized sporting competition; 7. participating in bodily contact sports, skydiving or parachuting, hang gliding or bungee cord jumping; 8. piloting or learning to pilot or acting as a member of the crew of any aircraft; 9. being Intoxicated, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician; 10. the commission of or attempt to commit a felony or being engaged in an illegal occupation; 11. normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion; 12. dental treatment (except as coverage is otherwise specifically provided); 13. amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Schedule of Benefits; 14. due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage; 15. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment; 16. a mental or nervous condition, unless hospitalized for that condition while the Policy is in effect for You; 17. due to loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto.

The following limitation applies to Trip Cancellation: All cancellations must be reported directly to the Travel Supplier within 72 hours of the event causing the need to cancel, unless the event prevents it, and then as soon as is reasonably possible. If the cancellation is not reported within the specified 72 hour period, the Company will not pay for additional charges, which would not have, been incurred had You notified the Travel Supplier in the specified period. If the event prevents You from reporting the cancellation, the 72-hour notice requirement does not apply; however, You must, if requested, provide proof that said event prevented him or her from reporting the cancellation within the specified period.

Additional Limitations and Exclusions Specific to Baggage and Personal Effects: Benefits are not payable for any loss caused by or resulting from: breakage of brittle or fragile articles; wear and tear or gradual deterioration; confiscation or appropriation by order of any government or custom’s rule; theft or pilferage while left in any unlocked or unattended vehicle; property illegally acquired, kept, stored or transported; Your negligent acts or omissions; or property shipped as freight or shipped prior to the Scheduled Departure Date; or electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Purchase up to final Trip Payment for Pre-Existing Condition Waiver! The Pre-Existing Condition Exclusion will be waived if the protection plan is purchased before final trip payment for the trip, for the

full non-refundable cost of the trip and the booking for the covered trip is the first and only booking for this travel period and you are

not disabled from travel at the time you pay the premium

This document contains highlights of the plan. The plan contains insurance benefits underwritten by the United States Fire Insurance Company.

C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A

(Excellent) by AM Best Company 2016. The plan also contains non-insurance Travel Assistance Services that are provided by an independent

organization, and not by United States Fire Insurance Company or Travel Insured International. Coverages may vary and not all coverage is

available in all jurisdictions.

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DETAILS OF COVERAGE Insurance benefits will be paid up to the Maximum Benefit Amount purchased to cover You for the Published Penalties and usused non-refundable prepaid expenses for Travel Arrangements when You are prevented from taking or completing Your Covered Trip due to:

a) Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs before departure on Your Trip;b) Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury, which: a) occurs before departure on Your Trip, b)requires

Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) and prevents Your participation in the Trip;

c) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

d) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes your destination accommodations uninhabitable. Your destination is uninhabitable if: the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

e) a documented theft of passports or visasf) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;g) Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, from whom You

purchased Your Travel Arrangements causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Certificate has been purchased within 14 days of the date Your initial deposit/payment for Your Trip is received; and You insure the full cost of Your Trip subject to penalties or restrictions;

h) unannounced Strike that causes complete cessation of services for at least 18 consecutive hours of the Common Carrier on which You are scheduled to travel;i) Inclement Weather that causes complete cessation of services for at least 18 consecutive hours of the Common Carrier on which You are scheduled to travel;j) felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;k) You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war;l) involuntary employer termination or layoff affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous

year;m) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. This same city must not have experienced

a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing Your cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

n) Your family or friends living abroad with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

o) Your normal pregnancy or attending the childbirth of Your Family Member. The pregnancy must occur after the Plan Effective Date and be verified by medical records;

p) the primary or secondary school that You, Your Family Member or Traveling Companion attends continues classes beyond the predefined school year, due tounforeseeable events which: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra-curricular or athletic events are not covered;

q) Mandatory evacuation ordered by local government authorities at Your Trip Destination (or official public evacuation notices or recommendations without a mandatoryevacuation order issued) due to adverse weather or Natural Disaster;

r) A transfer of You or Your Traveling Companion by the employer by whom You or Your Traveling Companion are employed on Your Effective Date which requires their principal residence to be relocated;

s) You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required;

t) You, Your Traveling Companion or Family Member traveling with You are directly involved in the merger of Your employer or the acquisition of Your employer by another company. You, Your Traveling Companion or Family Member cannot be a company owner or partner;

u) Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

All cancellations must be reported directly to the Travel Supplier within 72 hours of the event causing the need to cancel, unless the event prevents it, and then as soon as is reasonably possible.

Travel Delay: The Insurer will reimburse You for covered expenses on a one time basis, up to the maximum shown in the Schedule of insurance and other coverages, if You are delayed en route to or from the Covered Trip for 6 or more hours due to a covered reason.

Baggage/Personal Effects: The Insurer will reimburse You up to the maximum shown on the Schedule of insurance and other coverages for loss, theft, or damage to Baggage and Personal Effects. The Insurer will pay the lesser of the following: Actual Cash Value at the time of the loss, less depreciation as determined by the Insurer, or the cost of repair or replacement.

Emergency Accident and Sickness Medical Expense: The Insurer will pay benefits up to the maximum shown on the Schedule of insurance and other coverages, if You incur Covered Medical Expenses for Emergency Medical Treatment as a result of an Accidental Injury which occurs on the Covered Trip or a Sickness which first manifests itself during the Covered Trip.

Emergency Medical Evacuation: The Insurer will pay, subject to the limitations set out herein, up to the maximum shown on the Schedule of insurance and other coverages, for Covered Emergency Evacuation Expenses reasonably incurred if the Insured suffers an Injury or Emergency Sickness that warrants the Insured’s Emergency Evacuation while on a Trip.

Cancel For Any Reason Protection: Optional Coverage applies only when requested on the application and the appropriate additional plan cost has been paid. CFAR must be purchased at the time of plan purchase and within 14 days of your initial trip deposit. If You purchase the Cancel For Any Reason protection and You cancel Your Trip for any reason not otherwise covered by this plan, the Insurer will reimburse You for up to 75% of the prepaid, forfeited, non-refundable payments or deposits You paid for Your Trip provided You cancel Your Trip more than 48 hours prior to your Scheduled Departure Date. This benefit is not available to residents of New York State.

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