Terms

Terms and Conditions

PLEASE READ THE FOLLOWING PRIOR TO USING THIS SITE:

AffordableTours.com, AffordableCruisesWeb.com and AffordableResorts.com (hereinafter, collectively referred to as "these sites" and individually as "this site") are owned and operated by Castles of the World, Inc. DBA AffordableTours.com, a Texas corporation, (hereinafter "AFFORDABLETOURS.COM"). By accessing, browsing, or using any of These Sites you agree to the following terms and conditions:

In these Terms and Conditions, the terms "we," "our," "us," or "AffordableTours.com" means or refers to Castles of the World, Inc. DBA AffordableTours.com, and the terms "traveler," "you," "your," or "yours" means or refers to interchangeably to the person accessing, browsing, or using this Site, and if more than one person, travels, makes reservations, or receive services through the use of this Site, such terms shall also apply to such all other persons.

BEFORE ACCESSING, BROWSING, OR USING ANY OF THE SERVICES OR INFORMATION AVAILABLE ON THIS SITE, YOU ARE REQUIRED TO GO THROUGH THE TERMS AND CONDITIONS STATED HEREIN. BY USING, BROWSING, OR ACCESSING THIS SITE, YOU SIGNIFY THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS AND CONDITONS. YOU UNDERSTAND AND AGREE THAT THIS CONSTITUTES A LEGALLY BINDING AGREEMENT (HEREINAFTER THE "AGREMEENT"). ALSO, YOU UNDERSTAND AND INTEND THIS AGREEMENT TO BE THE LEGAL EQUIVALENT OF A SIGNED CONTRACT BETWEEN YOU AND AFFORDABLETOURS.COM, AND EQUALLY BINDING. BY USING THIS SITE, YOU SIGNIFY THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT.

Additionally, by continuing to access, browse, or use this Site, you also agree to be bound by any additional terms, guidelines, policies, restrictions, or rules that may be posted in this Site in connection with specific sections or services of the Site.

If you do not agree to all or to any of the foregoing, please do not use this Site and exit immediately.

OWNERSHIP AND RESTRICTIONS ON USE:

These Sites are owned and operated by Castles of the World, Inc. DBA AFFORDABLETOURS.COM. All materials contained in these sites are the copyrighted property of AFFORDABLETOURS.COM or the property of our suppliers or licensors. No material from AFFORDABLETOURS.COM or any Web site owned, operated, licensed, or controlled by AFFORDABLETOURS.COM may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that you may download one copy of the materials on any single computer for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of copyright and other proprietary rights of AFFORDABLETOURS.COM. The use of any such material on any other Web site or computer network environment without the prior written authorization from AFFORDABLETOURS.COM is expressly prohibited.

To extent the Web Sites provide interactive capabilities that allows you to submit information or data on the Web Site, you expressly acknowledge you may not upload to, distribute through, or otherwise publish through AFFORDABLETOURS.COM any content which is libelous, defamatory, obscene, pornographic, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable that would constitute or encourage a criminal offense, violate the rights of any party, or that would otherwise give rise to liability or violates any law.

By uploading or submitting any materials to us, you automatically grant (or warrant that the owner of such rights has expressly granted) us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed throughout the universe. In addition, you warrant that all so-called "moral rights" in those materials have been waived.

INTELLECTUAL PROPERTY:

These Sites, the software, routines, design, text, images, look and feel, and graphics in such websites and the selection and layout of the websites, are owned or licensed by us and are protected by law, including, but not limited to, United States and international intellectual property laws, as well as other state, federal and international laws and regulations. You may view and electronically copy the pages of this Site in the usual operation of your web browser in visiting this Site for your personal use only, but for no any other purpose. Any other use of the Material contained on this Site, such as copying, distributing, selling, modifying, transmitting, reusing, re-posting or publishing, without our prior specific written permission, is strictly prohibited. Unauthorized use of Materials from our Site will be material breach of this agreement.

All logos, photographs, text, illustrations, artworks, designs, and other graphic materials, whether on the Site or in documents on the Site, are the property of AFFORDABLETOURS.COM, its grantees, licensees, and others. Except as otherwise stated or allowed herein, the use of the any of the logos photographs, text, illustrations, artworks, designs, and other graphic materials, whether on the Site or in documents on the Site, without express prior written permission of the respective owner is strictly prohibited.

The names AffordableTours.com, AffordableCruisesWeb.com, and AffordableResorts.com, are registered and unregistered trademarks and/or service marks of AFFORDABLETOURS.COM. Other names and logos contained in this Site or in the Site Materials are trademarks and service marks of our affiliates, service providers, and travel companies, and shall not be used without the express written permission of the respective trademark or service mark owner.

LINKS TO OTHER SITES:

These Sites may contain hypertext links to other websites. Such links are provided for your convenience and are not intended as an endorsement by AFFORDABLETOURS.COM of the organizations, person, or entities owning or operating those sites. AFFORDABLETOURS.COM is not responsible for the content those sites contain, nor their privacy practices. Such other websites are maintained by third parties over whom we exercise no control. We expressly disclaim any responsibility for the content, products or services of such other websites.

MODIFICATION OF TERMS:

AFFORDABLETOURS.COM reserves the right to change, modify, add, or remove portions of these terms and conditions at any time, without notice, and at our discretion. You may check these terms and conditions periodically for changes. Your continued use of AFFORDABLETOURS.COM subsequent to the revisions of these terms means you accept those changes. You are advised to review the terms and conditions and other policies posted on this Site for potential changes when you return to this site to visit or to transact any business.

TERMINATION:

These terms are effective until terminated by AFFORDABLETOURS.COM, for any reason, with or without notice. Upon termination, you must destroy all materials obtained from These Sites and any and all other AFFORDABLETOURS.COM site(s) and all copies thereof, whether made under the terms of these terms or otherwise.

DISCLAIMER:

THE MATERIALS IN THESE SITES ARE PROVIDED ON "AS IS,"WHERE IS," AND "WITH ALL FAULTS" BASIS AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, AFFORDABLETOURS.COM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AFFORDABLETOURS.COM DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THESE SITES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THESE SITES OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AFFORDABLETOURS.COM DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THESE SITES IN TERMS OF THEIR CORRECTNESS, COMPLETENESS, ACCURACY, RELIABILITY, NON-INFRINGEMENT, OR OTHERWISE. YOU (AND NOT AFFORDABLETOURS.COM) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Some of the contents or materials on this Site may be affected by current legislative, regulatory, judicial, or other developments which are not reflected here. We assume no responsibility to have this site update for such developments.

NOTWITHSTANDING ANYTHING TO THE CONTRARY, NOTHING IN THESE WEBSITES SHALL BE CONSTRUED TO BE AN OFFER TO SELL OR A CONTRACT UNTIL A BOOKING IS CONFIRMED IN WRITING AND A DEPOSIT HAS BEEN MADE. AFFORDABLETOURS.COM IS AN AGENT FOR THE TRAVEL SUPPLIERS IT DISTRIBUTES. ALL TRAVELERS ARE SUBJECT TO THE TERMS AND CONDITIONS OF THE PARTICULAR SUPPLIER CONDUCTING THEIR TRAVEL ARRANGEMENTS. FOR A LIST OF THE TERMS AND CONDITIONS FOR THE PARTICULAR SUPPLIER YOU HAVE CHOSEN PLEASE REQUEST ONE FROM YOUR TRAVEL CONSULTANT.

LIMITATION OF LIABILITY:

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL AFFORDABLETOURS.COM BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS IN THESE SITES, EVEN IF AFFORDABLETOURS.COM OR AN AFFORDABLETOURS.COM AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL THE TOTAL LIABILITY OF AFFORDABLETOURS.COM'S TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, OR OTHERWISE) SHALL EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THESE SITES.

INDEMNITY:

You agree to defend, indemnify, and hold AFFORDABLETOURS.COM and our affiliates, and our and their respective directors, officers, members, employees, agents, representatives, attorneys, successors and assigns, harmless from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs and expenses, including reasonable attorneys' fees and litigation expenses, relating to or arising from your use of the Materials or information provided by us, or services obtained from the Materials, or any arrangements you make at our Site or based on information obtained from the Materials, or your use of the Site, any website Materials, or services obtained on or through the Site, or any arrangements you make based on information obtained on or through the Site or any breach by you of these Terms and Conditions.

GOVERNING LAWS AND JURISDICTION:

AFFORDABLETOURS.COM controls its Sites from its offices within the state of Texas in the United States of America. The Site may be accessed from any place in the world. Since the laws of each State, country or jurisdiction where access to the Site is available may differ, by accessing these Sites, you and AFFORDABLETOURS.COM agree that the statutes and laws of the state of Texas, without regard to choice of law principles, will apply to all matters relating to use of this Site. Therefore, this Agreement shall be deemed to be made under, and in all respects shall be interpreted, construed and governed by and in accordance with laws of the Sate of Texas, United States of America. All disputes arising out of or in connection with the terms and conditions herein and this Agreement shall be subject to jurisdiction of the Federal and State courts located in Fort Bend County, Texas

As part of the consideration and for value received pursuant to this Agreement, you and us agree that any legal action or proceeding under or with respect to this agreement may be brought in the above mentioned courts. For the purpose of any such legal action or proceeding, you hereby irrevocably consent in advance and voluntarily submit to the personal jurisdiction of such courts. You hereby agree not to raise and waive any objections to or any defense based upon the venue of such courts and any objection or defense based upon an inconvenient forum. You also agree not to bring any legal action or proceeding under or with respect to this agreement outside the above named courts.

AFFORDABLETOURS.COM makes no representation that Materials on our Sites are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access these Sites from other locations do so, on their own initiative, at their own risk, and are responsible for compliance with applicable laws.

REPRESENTATIONS AND WARRANTIES:

By accessing, browsing, and using this Site, you represent warrant that: a) you are of sufficient legal age to use this Site and create legally binding obligations for any liability you may incur as a result of using this Site; b) you are responsible (financially and otherwise) for all uses of this Site by you and those using this Site under your ID and password; c) the information you supply via the Site shall be accurate and not misleading, deceptive or likely to mislead or deceive; d) you agree to prevent access or usage of this Site by minors under your name or account; e) you will use the services in this Site only to make legitimate reservations or purchases for you or another person for whom you are legally authorized to act; and f) you acknowledge that abuse of the services or reservation facilities of this Site may result in you being denied access to such facilities and possible legal action.

DESCRIPTION OF SERVICES, GENERAL TERMS, AND CONDITIONS OF USE:

AFFORDABLETOURS.COM is a company that acts as service agent in the tourism industry and provides information on destinations, tours, cruises, reservations, bookings, hotels, restaurants transportation, travel services and other services in the tourism industry. Our site information has been secured from a variety of travel companies, service providers, and other sources. We can not independently call or verify the accuracy of our travel supplier's information and we can not warrant their accuracy or completeness. AFFORDABLETOURS.COM is not responsible for the acts or omissions of such suppliers or their subcontractors or their failure to provide services, adhere to their own schedules, or honor their contracts.

All information, prices, availability are subject to change without notice. For purposes of planning your vacation, we recommend you utilize this Web Site as a starting point for your travel planning and that all material facts published be confirmed with a travel consultant or directly with the travel supplier prior to making any definite travel plans or placing a deposit which may be non-refundable in some cases. Many travel suppliers also enact a monetary penalty for canceling or changing certain reservations. The traveler is subject to the terms, conditions and availability of each independent travel supplier within this Web Site. AFFORDABLETOURS.COM is not responsible for any typographical errors, incorrect prices or price changes or offer withdrawals listed on this website or any content of a travel reservation.

AFFORDABLETOURS.COM reserves the right to terminate a user or external link for any violation of our terms and conditions or other policies. If you fail to abide by these Terms and Conditions, we may suspend or eliminate your account, and remove any information you have placed on this Site. We may also take any legal action we deem appropriate. If your violation of these terms causes harm to others, you agree to indemnify and hold AFFORDABLETOURS.COM harmless against any liability for that harm.

IMPORTANT NOTICE TO TRAVELER(S):

AFFORDABLETOURS.COM SELLS VACATIONS FOR OR ON BEHALF OF MANY COMPANIES AND SERVICE PROVIDERS. EACH INDIVIDUAL COMPANY OR SERVICE PROVIDER HAS ITS OWN RULES REGARDING PENALTIES FOR CANCELLATION OR CHANGES, AS WELL AS CERTAIN LIMITATIONS OF LIABILITY, INCLUDING LIMITATIONS WITH RESPECT TO INJURY TO, OR DEATH OF PASSENGERS, AND TO CLAIMS FOR DAMAGE TO BAGGAGE. PLEASE READ ALL OF THE TERMS AND CONDITIONS FOR YOUR RESPECTIVE COMPANY CAREFULLY. IF YOU DO NOT HAVE A COPY OF TERMS AND CONDITIONS PLEASE REQUEST THEM FROM YOUR TRAVEL CONSULTANT OR VISIT THE WEBSITE OF YOUR PARTICULAR COMPANY. YOU ARE RESPONSIBLE FOR READING AND COMPLYING WITH THE TERMS AND AGREEMENTS OF THE COMPANY YOU CHOOSE TO TRAVEL WITH. AFORDABLETOURS.COM IS NOT RESPONSIBLE FOR ANY DAMAGES, WHETHER PHYSICAL, MONETARY OR OTHERWISE, CAUSED OR INDUCED BY ANY OTHER TRAVEL OR SERVICE COMPANY UNTO YOU, THE TRAVELER.

IF A BOOKING OR RESERVATION IS MADE OR A SERVICE PURCHASED THROUGH THIS SITE, YOU AND ALL THE PERSONS TRAVELING WITH YOU OR NAMED TRAVELERS IN SUCH BOOKING OR RESERVATION ("NAMED TRAVELERS") EXPRESSLY AGREE TO THE TERMS AND CONDITIONS HEREIN AND TO ALL TERMS AND CONDITIONS OF THE TRAVEL COMPANY OR SERVICE PROVIDER(S). THE PERSON MAKING THE BOOKING OR RESERVATION ACCEPTS ALL SUCH TERMS AND CONDITIONS FOR OR ON BEHALF OF ALL THE PERSONS TRAVELING OR NAMED TRAVELERS.

PRICES AND PAYMENTS:

All prices, rates or fares provided on these Sites, marketing materials, brochures, and associated materials are subject to change at any time without notice. Special conditions may apply to the prices set out in the materials and on these Sites.

The prices provided are in United States Dollars per person unless specifically indicated and may not include taxes, fees, or airport charges. Tours sold outside of the United States of America are subject to sale in the local currency of that country. All Canadian Tours are sold in Canadian currency. Any discount amounts from Canadian Tours will be applied in local currency. There may be different discount amounts or variances in each country for similar or exact same tours.

All Cruises, Hotels, Tours and every other accommodation other than airline fares are based on double occupancy and subject to availability. Cruise prices are cruise only and do not include port charges, fees, or any airfares. Your payment is not deemed made until it is received by AffordableTours.com. In the case of billing errors, AffordableTours.com reserves the right to re invoice with correct pricing. AFFORDABLETOURS.COM reserves the right to cancel or re-schedule any vacation departure. For the benefit of everyone on your vacation, AFFORDABLETOURS.COM reserves the right to accept or reject any vacation participant.

All discounts provided directly by AFFORDABLETOURS.COM are based on the actual cash value paid for the discounted travel, after any coupons, discounts or any other type of price reduction offers are claimed by a consumer or provided by any travel supplier. Taxes, government fees of any type, security charges or other miscellaneous charges imposed are not eligible for any discount.

TRAVEL PROTECTION:

AFFORDABLETOURS.COM strongly recommends that you purchase Travel Protection.

MISCELLANEOUS:

1. Hazards: We have no special knowledge regarding foreign entry requirements, unsafe conditions: health hazards, weather hazards, supplier bankruptcies, or the suitabi1ity for disabled persons of any portion of any tour. For foreign entry requirements, go to http://travel.state.gov/travel_warnings.html. For State Department travel advisories, go to http://travel.state.gov/travel_warnings.html. For foreign health requirements and dangers, go to http://www.cdc.gov/travel/index.htm. You hereby release AFFORDABLETOURS.COM from any claims resulting in whole or in part from any problem covered in this Agreement and any other causes not within our control, and to submit all other claims against us within 30 days after the return of your trip.
2. Limitation of Refunds: All airlines impose cancellation and change penalties up to 100% for many discount rickets. All tour operators, cruise lines, and some resort hotels impose cancellation and change penalties, too. Please view the applicable rules before you make your reservations.
3. Delays: Flight delays are very common today. If your flight is delayed for any reason, the airlines are not required by law to pay for any expenses you may incur, such as meals, hotels, taxis and phone calls.
4. Check Your Itinerary: As soon as you receive your booked itinerary, check it thoroughly to make sure it is correct as to names, dates, times, fares, and rates.
5. Reconfirmation: Schedule changes are quite common today. We urge you to re-check exact flight times prior to departure and prior to your return.
6. Package Trips: If you book a trip, we must collect the tour operator's or cruise line's deposit when reservations are made. The amount of the deposit, the refund allowed, and the times for canceling vary according to the tour operator or cruise line. We do not endorse or recommend any particular tour operator or cruise line; our role is strictly limited to facilitating the booking. After you finish your booking, we will send you any agreement required by the travel services supplier, along with a request that you sign that agreement and return it to us. In the event of any inconsistency between that agreement and this agreement, the latter shall govern.
7. Charter Trips: If your package trip involves a charter flight or if your vacation involves an air-only charter flight, federal regulations require that you also sign the charter operator's participant agreement, which will be mailed to you. It is extremely important that you realize that, for charters:
   1. Departure times (both going and returning) can change at the last minute. These delays may be as much as 48 hours (approximately two days late).
   2. Your flight may be advertised as non-stop; however, the operator may legally change the routing and make intermediate stops at the last minute.
   3. The charter operator may legally-substitute types of aircraft and even airline at the last minute. Charter aircraft are generally not as comfortable as the scheduled aircraft.
   4. The charter operator generally takes no responsibility for baggage. It is not unusual to have luggage misplaced or lost.
   5. Charter trips have very stiff cancellation penalties. No one plans a trip with the idea of canceling; however, sometimes that becomes necessary and you must understand what to expect or not to expect in the way of refunds.
   6. Usually, no frequent flier miles are accrued.
   7. Advance seat assignments are frequently not available.
8. Final Payment: For all vacation trips, you must have made full payment before we release the tickets or documents.
9. Non-Use of Coupons: In the event that you purchase a ticket or tickets containing flight coupons that you mayor may not use, AFFORDABLETOURS.COM does not guarantee that the airline will honor the ticket or rickets, and you agree to indemnify AFFORDABLETOURS.COM against airline claims for the difference between the full fare for your actual itinerary and the value of the ticket that you purchased.
10. Foreign Currency: Currency rates quoted on this website or on a link, if any, are based on various publicly available sources. Rates are not verified as accurate, and actual rates may vary.
11. Power of Attorney: As our client, you hereby appoint AFFORDABLETOURS.COM to be your attorneys-in-fact for the purpose of signing all documents necessary to purchase and issue airline tickets, tours, cruises, and hotel guarantees for late arriva1. You authorize any of the attorneys-in-fact to sign credit card authorizations for said purchases whenever any of them receives an Internet booking request reasonably believed to be from you or someone acting on your behalf, requesting those tickets be charged to your credit card account. You agree that you will pay for all such purchases and will not hold us responsible for any of our actions pursuant to this power of attorney.
12. General Provisions: If any provision of this Agreement or any part thereof is found to be unlawful, invalid, or unenforceable, then that provision or part thereof shall be deemed severable and struck from these terms and shall not affect the validity and enforceability of any remaining provisions, which shall remain in full force and effect. Headings are for reference purposes only. You agree that no agency, employment, partnership, or joint venture relationship exists between yourself and AFFORDABLETOURS.COM as a result of your usage of this Site. You must use this Site in a responsible and cooperative manner. If AFFORDABLETOURS.COM does not act in relation to a breach by you or others of these terms and Conditions and other Site rules, this does not waive our right to act with respect to subsequent or similar breaches. No employee, agent or representative of the AFFORDABLETOURS.COM has the authority to modify, waive, or alter any provision of these terms and conditions.

CONTACT:

If you have any questions, comments, or concerns regarding this Site, or the above Terms and Conditions, please contact AFFORDABLETOURS.COM at sales@AffordableTours.com. You can also contact us via regular mail at: AFFORDABLETOURS.COM, 11150 Cash Road, Stafford, TX 77477-4313, or call us at 1-800-935-2620.

Privacy Policy

Protecting Your Privacy

This Privacy Policy is part of our terms and conditions. This privacy policy applies to the website AffordableTours.com and its parent company Castles of the World, Inc. This privacy policy informs users of how we collect, store and manage data that is gathered on our website about our users.

Information of a non-personal nature

Our website actively logs and records information of a non-personal nature such a referral websites, visits, length of sessions, domains and more. We aggregate and use this non-personal data to improve our website experience for clients. We also record the IP address of the computers that visit our website. This information allows us to serve our clients better.

How We Use Your Information

You are not required to submit personal information to use our website. Our website will not automatically record any information about users which is readily personally identifiable. However, you may submit your personal information to us by several means on our website and through the telephone and email. Any information that you voluntarily submit may be used by us to provide you with enhanced services such as providing you with products and services that you may have requested. We have the utmost respect for your privacy and security. We may collect information that you supply in order to provide a more personalized experience and to alert you of offers and services which closely match your interests. Your privacy is important to us. Any information that we collect online or via the telephone is done to provide you with the best website experience and service possible.

We may also share your information with legal authorities in response to subpoenas, to respond to court orders and other legal processes; and to exercise our legal rights as may be required by the law. We reserve the right to use all information for such legal purposes.

Business Partners

We may share your data with certain business partners and vendors in order to provide you with enhanced services such a mailing you brochures and promotional emails. We use the utmost care and respect for your privacy when selecting such business partners in order to protect your privacy. We require from our business partners that they ensure that the data we provide them will not be transferred to any other third parties for any uses not authorized by us.

Information given to suppliers by us

In order for us to provide your vacation services we may be required by our suppliers to provide your personal information to them. In such cases we strive to provide as little information as may be necessary. Our suppliers, such as the tour operators and cruise lines that will eventually provide the travel services we offer on this website, will use that data to help provide you with travel services that you may have purchased. For example, such services include the mailing of travel documents and related materials to you. We do not control how that data is used by our suppliers after that point. We encourage you to review the privacy policies of any particular supplier you choose to travel with in order to determine how this data may be used.

Changes to Our Privacy Policy

AffordableTours.com and its parent company reserve the right to modify or amend this Privacy Statement at any time and for any reason. If there are material changes to this statement or in how we will use your personal information, we will prominently post such changes prior to implementing the change. Please check back periodically to learn of any changes in ways in which we may use this data.

Agreement of Use

By using our Site you are indicating that you have read and accepted the information practices in our Privacy Policy.

Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Third party advertisements and use of cookies

AffordableTours.com uses third party vendors and these providers show our ads across different sites on the internet. Our third party vendors include Google, Yahoo, MSN and others. Our ads appear on networks across the internet from these and other providers. Some of these third party vendors including Google use cookies to deliver you ads based on any previous visits you may have made to our website. You may opt-out of the use of Google cookies by visiting the Google ads opt-out page.

If you have further questions regarding this policy and its use you may contact us at:

AffordableTours.com
11150 Cash RD
Stafford, TX 77477

Booking Terms

Castles of the World, Inc. DBA AffordableTours.com is an independent company ('the Company') in the business of marketing and selling travel products under the AffordableTours.com brand name, and arranges for the vacation services offered on the AffordableTours.com website through independent tour operators and cruise operators.

The Company reserves the right to accept or reject any person as a vacation participant, and the vacation participant agrees to be subject to the terms and conditions set forth by the third-party vacation operators, tour operators and cruise lines that are to provide the travel services.

Obtaining travel visas and passports is the sole responsibility of the vacation participant.

Any vacation traveler with physical disabilities is required to notify the Company before any booking is completed and must be done in writing. Any such person is required to be accompanied by an individual who is responsible for providing any necessary special services. Tour managers, cruise managers, bus drivers and other travel company personnel are not able to provide any such necessary assistance.

Any name change to airline tickets including minor spelling corrections may require airline reservations to be cancelled and re-booked. Vacation participant agrees that the names on the Booking Authorization as given to the Company are spelled correctly per the passenger's passports. In the event that names as listed on the Booking Authorization are incorrect then the vacation participant agrees to any expenses resulting out of the cancellation and re-booking of such airline tickets.

The vacation participant agrees that neither the Company nor its affiliates shall be liable for any damage, loss (including personal injury, death, and property loss) or expense occasioned by any act or omission of any supplier providing services, or any insurer or insurance administrator under the Travel Protection Plan, or of any other person.

The tour operators, cruise lines, carriers, accommodations, and other suppliers providing services are independent entities and are not agents, employees, or servants of, or joint ventures with, the Company or its affiliates. All travel documents and travel arrangements issued by the Company are subject to the terms and conditions specified by the end supplier, and to the laws of the countries in which the services are supplied. The Company makes efforts to include the most up to date terms and conditions of the suppliers for the benefit of the vacation participant. However, in the event that the terms and conditions of a particular travel supplier, tour operator or cruise line are modified without the express knowledge of the Company, then the vacation participant agrees to be subject and bound to the modified terms and conditions of the travel supplier.

A payment is not deemed made until it is received by the Company. In the event that an error or omission committed by the Company or its employees results in the paid booking of the vacation participant on a incorrect vacation package, price, date, or other similar error, the Company reserves the right, when practicable, to re-invoice with correct pricing and the vacation participant agrees to be subject and bound to the subsequent price, or the vacation participant may also elect to receive a full refund for all monies that have been paid to the Company in such an event. The vacation participant further agrees that the Company shall not be responsible or held liable to secure the originally intended vacation package, which in many cases may not be available or its procurement may not be practicable due to forces of nature, market factors, or other related reasons. In any event, the company reserves the right to cancel any paid booking for any reason it deems necessary and the vacation participant understands and agrees that the Company's sole responsibility and liability to the vacation participant in such an event will be a full refund all of the monies paid by the vacation participant in the purchase of the vacation through the Company. The vacation participant further agrees that the Company shall not be liable or responsible for other consequential losses or other damages or expenses that the vacation participant has incurred in anticipation of or in connection with the vacation.

Any dispute between the vacation participant and the Company directly or indirectly relating to the Terms and Conditions shall be first submitted to mediation at Houston, Texas before a mediator mutually agreed to by the parties. If mediation is not successful, you agree that any action at law or in equity arising out of or relating directly or indirectly to the terms and conditions shall be filed only in the state or federal courts located in Harris County, Texas and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Mediation against the Company must be commenced within one year following the date of tour completion. Neither the Company nor any affiliates shall in any case be liable for other than compensatory damages, and you hereby waive any right to punitive damages.

No person, other than an authorized representative of the Company, by a document in writing, is authorized to vary, add, or waive any term or condition, including any term or condition set forth in the preceding provisions.

The vacation participant understands and agrees that information, prices and itineraries listed in the Company’s website have been secured from a variety of travel companies and other sources. The Company can not independently call or verify the accuracy of our travel supplier’s information and the Company can not warrant its accuracy or completeness. All information, prices and availability listed in the Company's website is subject to change without notice. For purposes of planning your vacation, we recommend you utilize the Company's Web Site as a starting point for your travel planning and that all material facts published be confirmed with a travel consultant or directly with the travel supplier prior to making any definite travel plans or placing a deposit which may be non-refundable in some cases. Many travel suppliers also enact a monetary penalty for canceling or changing certain reservations. The vacation participant agrees that the Company is not responsible for any typographical errors, itinerary errors or changes, incorrect prices or price changes or offer withdrawals without notice listed on this website or any content of a travel reservation.

CSA Terms

DESCRIPTION OF 24-HOUR EMERGENCY ASSISTANCE SERVICES
(PROVIDED BY CSA'S DESIGNATED PROVIDER)

AVAILABLE SERVICES

Various 24-Hour Emergency Assistance Services are provided along with the CSA Travel Protection® plans. A description of all 24-Hour Emergency Assistance Services are contained in this document. The 24-Hour Emergency Assistance Services are only available to persons whose primary residence is in the United States or Canada. This plan is administered by CSA Travel Protection and Insurance Services.

HOW TO CALL THE 24-HOUR EMERGENCY HOTLINE

If you need emergency help for an available service, you can call toll-free 24 hours a day to (866) 922-0278 from within the United States, or call collect to (202) 974-6480 from around the world.

When calling, you should have available your Policy/ Reference number and Plan Code, your location, a local telephone number, and details of the situation. After your coverage has been verified, the assistance provider will assist you. If you cannot call collect from your location, dial direct and give the assistance provider your telephone number and location and they will call you back.

To call collect from a foreign country you may first need to reach a live operator on the line. In some cases, that operator may not understand how to process collect calls to the United States. To be prepared, please visit www.consumer.att.com/global/english/away/directservice.html for information on how to reach an English-speaking operator. If you were unable to reach CSA collect and paid for your call, we will ask you for a number to call you back so you will pay no further charges.

In the event of a life-threatening emergency, please first call the local emergency authorities to receive immediate assistance and then contact the assistance provider.

There may be times when circumstances beyond the assistance provider's control hinder their endeavors to provide help services; however, they will make all reasonable efforts to provide services and help resolve your problem.

The assistance provider cannot be held responsible for failure to provide, or for delay in providing services when such failure or delay is caused by conditions beyond its control, including but not limited to flight conditions, labor disturbance and strike, rebellion, riot, civil commotion, war or uprising, nuclear accidents, natural disasters, acts of God or where rendering service is prohibited by local law or regulations.

The assistance provider's staff will do their best to refer you to the appropriate providers. However, the assistance provider and CSA cannot be held responsible for the quality or results of any services provided by these independent practitioners.

AVAILABILITY OF SERVICES

You are eligible for informational and concierge services at any time after you purchase this plan. The Emergency Assistance Services become available when you actually start your trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when you reach your return destination; or when you complete your trip.

INFORMATIONAL SERVICES

The assistance provider offers a wide range of informational services before you leave home and during your trip, including: Visa, Passport, Inoculation and Immunization Requirements, Cultural Information, Temperature, Weather Conditions, Embassy and Consulate Referrals, Foreign Exchange Rates, and Travel Advisories.

EMERGENCY ASSISTANCE SERVICES

Medical Referral
If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local qualified doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest.

Traveling Companion Assistance
If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion's return home.

Emergency Cash Transfer
If your cash or traveler's checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler's checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you.

Legal Referral
The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees.

Locating Lost or Stolen Items
The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions.

Replacement of Medication and Eyeglasses
The assistance provider will arrange to fill a prescription that has been lost, stolen or requires a refill, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription refill, etc. are your responsibility. The refill may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician.

Embassy and Consular Services
The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates.

Worldwide Medical Information
The assistance provider can provide necessary inoculation and vaccination information, and detailed general health and medical descriptions of destinations around the world.

Interpretation/Translation
The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents.

Emergency Message Relay
Emergency messages can be relayed to and from friends, relatives, personal physicians and employers.

Pet Return
The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency.

Vehicle Return
The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle.

CONCIERGE SERVICES

City profiles provide travelers access to information on over 10,000 destinations worldwide, including a complete report on local entertainment, social customs, and health advisories.

Epicurean needs arranges the delivery of specialized foods and beverages to your home or office, including gourmet meats and fine wine.

Event ticketing provides tickets to virtually any sporting, theater or concert event worldwide.

Flowers and gift baskets include the purchase and shipment of flowers and gift baskets to friends, family members, and business associates.

Golf outings and tee times provide referrals and tee times at golf courses around the world.

Hotel accommodations offers research and recommendations on hotels worldwide and book reservations if requested by you.

Meet-and-greet services include the pick-ups of friends; family members or business associates at airports or other common carrier destinations by limousine personnel.

Personalized retail shopping assistance includes purchasing selected retail items at your request.

Pre-trip assistance provides information on travel destinations, city profiles, weather, special events, ATM locations, currency exchange rates, immunization and passport requirements, and related services.

Procurement of hard-to-find items ensures our associates will use every means possible to obtain an obscure or exotic item at your request.

Restaurant reviews and reservations provides you with information on restaurants worldwide and the ability to book reservations from anywhere, anytime.

Rental car reservations provide worldwide reservations through most major rental car agencies.

Airline reservations provide full-service air travel accommodations to destinations worldwide.

Pet Services Locator helps travelers find pet-related services such as veterinarians and pet sitters.

10-DAY RIGHT TO EXAMINE CERTIFICATE

If you are not satisfied for any reason, you may return your certificate within 10 days after receipt. Your plan payment will be refunded, provided there has been no incurred covered expense and you have not left on your Covered Trip. When so returned, the certificate is void from the beginning. Return the certificate to us at our home office or our authorized agent.

After this 10-day period, the payment for this plan is nonrefundable.

ELIGIBILITY AND EFFECTIVE DATES OF INSURANCE

Who is Eligible for Coverage
A person who has arranged to take a Covered Trip, and pays the required plan payment, and is a resident of the United States of America or Canada.

When Coverage Begins
All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of: 1) the date the plan payment has been received by us or our authorized agent; 2) the date and time you start your Covered Trip; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered Trip.

Pre-Departure Trip Cancellation coverage will take effect at 12:01 A.M. Standard Time on the day after the date your plan payment is received by us or our authorized agent.

Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date of your Covered Trip if the required plan payment is received.

When Coverage Ends
Your coverage automatically ends on the earlier of:

1. the date the Covered Trip is completed; or

2. the Scheduled Return Date; or

3. your arrival at the return destination on a round trip, or the destination on a one-way trip; or

4. cancellation of the Covered Trip covered by the plan.

All coverages under the plan will be extended if your entire Covered Trip is covered by the plan and your return is delayed by unavoidable circumstances beyond your control.

If coverage is extended for the above reasons, coverage will end on the earlier of the date you reach your originally scheduled return destination or seven (7) days after the Scheduled Return Date.

SUMMARY OF COVERAGES

Accidental Death and Dismemberment
We will pay this benefit, up to the amount on the Schedule, if you are injured in an Accident, which occurs while you are on a Covered Trip, and covered under the plan, and you suffer one of the losses listed below within 180 days of the Accident. The principal sum is the benefit amount shown on the Schedule.

Loss	Percentage of Principal Sum Payable
Life	100%
Both Hands; Both Feet	100%
Sight of Both Eyes; One Hand and One Foot	100%
One Hand and Sight of One Eye	100%
One Foot and Sight of One Eye	100%
One Hand; One Foot or Sight of One Eye	50%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance
If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder.

If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

Medical or Dental Expense Benefits
We will pay this benefit, up to the amount on the Schedule, for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip; 3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you. We will pay that portion of Covered Expenses, which exceeds the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Please refer to the Definitions, for an explanation of Pre- Existing Conditions, which are excluded under the Medical or Dental Expense Benefits.

Covered Expenses:
1. expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you within one year from the date of your Sickness or Injury during a Covered Trip;

2. expenses for emergency dental treatment incurred by you during a Covered Trip.

Your duties in the event of a Medical or Dental Expense:
1. You must provide us with all bills and reports for medical and/or dental expenses claimed.

2. You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.

3. You must sign a patient authorization to release any information required by us, to investigate your claim.

Emergency Assistance Benefits
We will pay this benefit, up to the amount on the Schedule, for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip; 3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you. We will pay that portion of Covered Expenses, which exceeds the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Please refer to the Definitions, for an explanation of Pre-Existing Conditions, which are excluded under the Emergency Assistance Benefits.

Covered Expenses:
1. expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisor's prior approval;

2. expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence in the United States of America or Canada, when deemed medically necessary by the attending physician, subject to the Program Medical Advisor's prior approval;

3. expenses for transportation not to exceed the cost of one round-trip economy-class air fare, to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;

4. expenses for transportation, not to exceed the cost of one-way economy-class air fare, to your place of residence in the United States of America or Canada, including escort expenses, if you are 18 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisor's prior approval;

5. expenses for one-way economy-class air fare (or first class, if your original tickets were first class) to your place of residence in the United States of America or Canada, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;

6. repatriation expenses for preparation and air transportation of your remains to your place of residence in the United States of America or Canada, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the United States of America or Canada.

Trip Cancellation and Trip Interruption Benefits
Pre-Departure Trip Cancellation
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if you are prevented from taking your Covered Trip due to your, your Family Member's, or Traveling Companion's Sickness, Injury, or death that occurs before departure on your Covered Trip. The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician, in person, at the time the Covered Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip.

We will pay a benefit if you are prevented from taking your Covered Trip due to Other Covered Events, as defined, that occur before departure on your Covered Trip.

Pre-Departure Trip Cancellation Benefits
We will reimburse you, up to the amount in the Schedule, for the amount of forfeited, prepaid, non-refundable, nonrefunded, and unused published payments or deposits that you paid for your Covered Trip. We will pay your additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion's Covered Trip is canceled and your Covered Trip is not canceled.

Optional Cancel For Any Reason Benefit
If the Insured purchased the Optional Cancel for Any Reason Benefit and cancels his/her Covered Trip for any reason not otherwise covered by this plan, we will reimburse the Insured for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits the Insured paid for his/her Trip provided:

1. the Insured's premium for the coverage is received within 24 hours of the date the Insured's initial deposit for his/ her Covered Trip is received; and

2. the Insured is not disabled from travel at the time the Insured pays his/her premium; and

3. the Insured insures 100% of all prepaid Covered Trip costs that are subject to cancellation penalties or restrictions; and

4. the Covered Trip cost per person is no more than $10,000; and

5. the booking for the Covered Trip must be the first and only booking for this travel period and destination; and

6. the Insured cancels his/her Covered Trip 48 hours or more before his/her scheduled Covered Trip departure date.

Cancel for Any Reason is subject to the following payment percentage relative to the applicable cancellation penalty:

Cancellation Penalty Schedule

If Cancellation Penalty Amount Is:	Percentage of Penalty Amount Payable Is:
Up to 25% of trip cost	100% of penalty amount
26% to 50% of trip cost	90% of penalty amount
51% to 75% of trip cost	80% of penalty amount
Over 76% of trip cost	70% of penalty amount

Post-Departure Trip Interruption
We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if: 1) your arrival on your Covered Trip is delayed beyond the Scheduled Departure Date; or 2) you are unable to continue on your Covered Trip after you have departed on your Covered Trip due to your, a Family Member's, or Traveling Companion's Sickness, Injury, or death. For item 1 above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2 above, commence while you are on your Covered Trip and your coverage is in effect under the plan; and c) for both items 1 and 2 above, require the examination and treatment by a Physician, in person, at the time the Covered Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Trip or to prevent you from continuing your Covered Trip.

We will pay a benefit if: 1) your arrival on your Covered Trip is delayed beyond the Scheduled Departure Date; or 2) you are unable to continue on your Covered Trip after you have departed on your Covered Trip due to Other Covered Events, as defined.

Post-Departure Trip Interruption Benefits
We will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, plus one of the following:

1. the additional transportation expenses by the most direct route from the point you interrupted your Covered Trip:

a. to the next scheduled destination where you can catch up to your Covered Trip; or

b. to the final destination of your Covered Trip; or

2. the additional transportation expenses incurred by you by the most direct route to reach your original Covered Trip destination if you are delayed and leave after the Scheduled Departure Date.

However, the benefit payable under 1 and 2 above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.

3. your additional cost as a result of a change in the perperson occupancy rate for prepaid travel arrangements if a Traveling Companion's Covered Trip is interrupted and your Covered Trip is continued.

Travel Delay
If your Covered Trip is delayed for 12 hours or more, we will reimburse you, up to the amount shown in the Schedule for reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and local transportation while you are delayed. We will not pay benefits for expenses incurred after travel becomes possible.

Travel Delay must be caused by or result from:
a. Common Carrier delay; or

b. loss or theft of your passport(s), travel documents or money; or

c. quarantine; or

d. hijacking; or

e. natural disaster or adverse weather; or

f. a documented traffic accident while you are en route to departure; or

g. unannounced strike; or

h. a civil disorder; or

i. your, a Family Member traveling with you or a Traveling Companion's Injury or Sickness; or

j. a Family Member traveling with you or a Traveling Companion's death.

Missed Connection Benefits
The Insurer will pay up to the amount in the schedule should you miss your cruise or tour departure as the result of the cancellation or delay of 3 or more hours of your regularly scheduled airline flights due to inclement weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional accommodation and meal expenses incurred en route to catch up to the cruise or tour, and nonrefundable cruise or tour payments for the unused portion of your land or water travel arrangements. This coverage is available if no other coverage is provided by a Common Carrier or another party at no cost to you or as covered elsewhere in this policy.

Baggage and Personal Effects Benefit
We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Covered Trip. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies.

Valuation and Payment of Loss
Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your Proof of Loss.

We may take all or part of damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Continuation of Coverage
If the covered Baggage, passports or visas are in the custody of a Common Carrier, and delivery is delayed, this coverage will continue until the property is delivered to you. This continuation of coverage does not include loss caused by or resulting from the delay.

Items Not Covered
We will not pay for damage to or loss of:

1. animals; or

2. property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof; or

3. boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances; or

4. artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses; or

5. documents or tickets, except for administrative fees required to reissue tickets; or

6. money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards, except as noted above; or

7. property shipped as freight or shipped prior to the Scheduled Departure Date; or

8. contraband.

Losses Not Covered
We will not pay for loss arising from:

1. defective materials or craftsmanship; or

2. normal wear and tear, gradual deterioration, inherent vice; or

3. rodents, animals, insects or vermin; or

4. mysterious disappearance; or

5. electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Your Duties in the Event of a Loss
In case of loss, theft or damage to Baggage and Personal Effects, you should: 1) immediately report the incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and 2) take reasonable steps to protect your Baggage from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Baggage.

Baggage Delay Benefit
We will reimburse you, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip.

DEFINITIONS

In the Certificate, "you", "your" and "yours" refer to the Insured. "We", "us" and "our" refer to the company providing this coverage. In addition, certain words and phrases are defined as follows:

ACCIDENT means a sudden, unexpected, unintended and external event, which causes Injury.

ACCOMMODATION means any establishment used for the purpose of temporary, overnight lodging for which a fee is paid and reservations are required.

ACTUAL CASH VALUE means purchase price less depreciation.

BAGGAGE means luggage, personal possessions and travel documents taken by you on the Covered Trip.

COMMON CARRIER means any land, water or air conveyance operated under a license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.

COVERED TRIP means: 1) A period of round-trip travel away from Home to a destination outside your city of residence; the purpose of the trip is business or pleasure and is not to obtain health care or treatment of any kind; the trip has defined departure and return dates specified when the Insured enrolls; the trip does not exceed 365 days; or 2) A period of one-way travel that starts in the U.S. or Canada (except U.S. citizens may begin their trip outside the U.S., if returning to the U.S.); the purpose of the trip is business or pleasure and is not to obtain health care or treatment of any kind; the trip has defined departure and arrival dates and defined departure and arrival places specified when the Insured applies; and the trip does not exceed 365 days in length.

DOMESTIC PARTNER means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

ELECTIVE TREATMENT AND PROCEDURES means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.

FAMILY MEMBER includes your or your Traveling Companion's dependent, spouse, child, spouse's child, son/daughter-in-law, parent(s), sibling(s), brother/sister, grandparent(s), grandchild, step-brother/sister, step-parent(s), parent(s)-in-law, brother/sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster child, or ward.

FINANCIAL INSOLVENCY means the total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services which is duly licensed in the state(s) of operation other than the entity or the person, organization, agency or firm from whom you directly purchased or paid for your Covered Trip provided the Financial Insolvency occurs more than 14 days following your effective date for the Trip Cancellation Benefits. There is no coverage for the total cessation or complete suspension of operations for losses caused by fraud or negligent misrepresentation by the supplier of travel services.

HOME means your primary or secondary residence.

HOSPITAL means an institution which meets all of the following requirements:

1. it must be operated according to law;

2. it must give 24-hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis;

3. it must provide diagnostic and surgical facilities supervised by Physicians;

4. registered nurses must be on 24-hour call or duty; and

5. the care must be given either on the hospital's premises or in facilities available to the hospital on a prearranged basis.

A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).

INJURY means bodily harm caused by an Accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

INSURED means an eligible person who arranges a Covered Trip, and pays any required plan payment.

INSURER means Stonebridge Casualty Insurance Company.

OTHER COVERED EVENTS means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:

1. Common Carrier delays resulting from inclement weather, or mechanical breakdown of the aircraft, ship or boat or motor coach on which you are scheduled to travel, or organized labor strikes that affect public transportation;

2. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown of the aircraft, ship or boat or motor coach on which the Insured is scheduled to travel, or organized labor strikes that affect public transportation;

Items 1 and 2 above are subject to the following conditions:

a. the scheduled carrier connecting times must meet airline required legal minimum connect times; and

b. the scheduled time between arrival at the Scheduled Trip Departure City and the scheduled trip departure must be 2 hours or longer.

3. arrangements canceled by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services, resulting from Financial Insolvency;

Item 3 above is subject to your plan payment being received prior to/or within 24 hours of final payment for your Covered Trip;

4. a change in plans by you, a Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:

a. being directly involved in a documented traffic accident while en route to departure;

b. being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, a Family Member traveling with you or a Traveling Companion is not 1) A party to the legal action, or 2) Appearing as a law enforcement officer;

c. your Home made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

d. your Accommodation at your destination made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

e. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at your destination due to adverse weather or natural disaster. In order to cancel or interrupt your Covered Trip, you must have 4 days or 50% of your total Covered Trip length or less remaining on your Covered Trip at the time the mandatory evacuation ends;

f. being called into active military service to provide aid or relief in the event of a natural disaster;

g. a documented theft of passports or visas;

h. a transfer of employment of 250 miles or more;

i. a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip, provided the Terrorist Act occurs within 7 days of the Scheduled Departure Date for your Covered Trip;

j. your involuntary termination of employment or layoff, which occurs more than 15 days after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

k. interruption of water, electric, sewage or gas service(s) at your destination or interruption of road service, due to adverse weather or natural disaster so as to prohibit you from reaching your destination, for more than 24 hours and only for up to 15 days from interruption of service(s) or to resumption of service(s), whichever comes first;

l. your host at your destination is hospitalized or dies;

m. you or your Traveling Companion is required to work during the Covered Trip. A notarized written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;

n. you or your Traveling Companion's place of employment is rendered unsuitable for business due to burglary, fire, flood, volcano, earthquake, hurricane, or other natural disaster and the you or your Traveling Companion is required to work as a result;

o. you or your Traveling Companion is directly involved in the merger of his or her employer or the acquisition of his or her employer by another company.

OTHER VALID AND COLLECTIBLE GROUP INSURANCE
means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.

PHYSICIAN means a person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or a Family Member of yours.

PRE-EXISTING CONDITION means an illness, disease, or other condition during the 60-day period immediately prior to your effective date for which you or your Traveling Companion or Family Member is scheduled or booked to travel with you: 1. received, or received a recommendation for, a diagnostic 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 coverage is effective under this Policy.

SCHEDULED DEPARTURE DATE means the date on which you are originally scheduled to leave on your Covered Trip.

SCHEDULED RETURN DATE means the date on which you are originally scheduled to return to the point where the Covered Trip started or to a different final destination.

SCHEDULED TRIP DEPARTURE CITY means the city where the scheduled trip on which you are to participate originates.

SICKNESS means an illness or disease of the body which requires examination and treatment by a Physician.

TERRORIST ACT means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

TRAVELING COMPANION means a person whose name(s) appear(s) with you on the same Covered Trip arrangement and who, during the Covered Trip, will accompany you.

UNINHABITABLE means the dwelling is not suitable for human occupancy in accordance with local public safety guidelines.

USUAL AND CUSTOMARY CHARGE means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 100th percentile and the Anesthesia Relative Value Guide.

GENERAL PLAN EXCLUSIONS

The following exclusion applies to the Accidental Death and Dismemberment coverage:

1. We will not pay for loss caused by or resulting from Sickness of any kind.

The following exclusion applies to the Medical or Dental Expense, Emergency Assistance, Trip Cancellation, Trip Interruption, and Travel Delay coverages:

2. We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the plan, including death that results therefrom. This Exclusion does not apply to benefits under Covered Expenses items 1 and 2 (emergency medical evacuation) or item 6 (repatriation of remains) of the Emergency Assistance Benefits Coverage.

The following exclusion applies to all coverages:

3. We will not pay for any loss under the plan, caused by, or resulting from:

a. your, your Traveling Companion's, or Family Member's suicide, attempted suicide, or intentionally self-inflicted injury, booked to travel with you, while sane or insane (while sane in CO & MO);

b. mental, nervous, or psychological disorders;

c. being under the influence of drugs or intoxicants, unless prescribed by a Physician;

d. normal pregnancy or resulting childbirth or elective abortion;

e. participation as a professional in athletics;

f. participation in organized amateur and interscholastic athletic or sports competition or events;

g. riding or driving in any motor competition;

h. declared or undeclared war, or any act of war;

i. civil disorder (does not apply to Travel Delay);

j. service in the armed forces of any country (does not apply to 4f of Other Covered Events);

k . nuclear reaction, radiation or radioactive contamination;

l. operating or learning to operate any aircraft, as pilot or crew;

m. mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing or travel on any air-supported device, other than on a regularly scheduled airline or air charter company;

n. any unlawful acts, committed by you or a Traveling Companion (whether insured or not);

o. any amount paid or payable under any Worker's Compensation, Disability Benefit or similar law;

p. a loss or damage caused by detention, confiscation or destruction by customs;

q. Elective Treatment and Procedures;

r. medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;

s. Financial Insolvency of the person, organization or firm from whom you directly purchased or paid for your Covered Trip, Financial Insolvency which occurred, or for which a petition for bankruptcy was filed by a travel supplier, before your effective date for the Trip Cancellation Benefits, or Financial Insolvency which occurs within 14 days following your effective date for the Trip Cancellation Benefits;

t. business, contractual or educational obligations of you, a Family Member or a Traveling Companion (does not apply to 4h, 4j, 4m, 4n, or 4o of Other Covered Events);

u. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements other than Financial Insolvency;

v. a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

WAIVER OF THE PRE-EXISTING CONDITION EXCLUSION

The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements:

1. the payment for this plan is received prior to/or within 24 hours of your final payment for your Covered Trip; and

2. you are not disabled from travel at the time you make your plan payment; and

3. the booking for the Covered Trip must be the first and only booking for this travel period and destination.

GENERAL PROVISIONS

Concealment or Fraud We do not provide coverage if you have intentionally concealed or misrepresented any material fact or circumstance relating to the coverage plan.

Conformity to Law Any provision of the plan that is in conflict with the laws of the state in which it is issued is amended to conform with the laws of that state.

Duplication of Coverage You may only purchase one certificate from us for each Covered Trip. If you do purchase more than one certificate for a specific Covered Trip, the Maximum Limit of Coverage payable will be as specified in the certificate with the highest level of benefits. We will refund plan payments received from you under any other certificate.

Entire Contract; Changes The plan may be changed at any time by written agreement between us. Only our President, Vice President or Secretary may change or waive the provisions of the plan. No agent or other person may change the plan or waive any of its terms. The change will be endorsed on the plan.

Examination Under Oath As often as we may reasonably require, you or any person making a claim under the plan must submit to examination under oath.

Maximum Limit of Coverage The maximum benefit amount for each claim is listed in the Schedule, subject to the individual benefit amount and the company's Maximum Limit of Liability. The total limit of our liability for any one covered event, in which two or more persons submit a claim, is subject to the individual benefit amount and the company's

Maximum Limit of Liability. In the event of multiple claims by you for one event, the available funds will be distributed in order of notice of claim by each Insured subject to the above limitations. Maximum Limit of Liability All limits are applied per Covered Trip. We will pay no more than $1,000,000 per occurrence to or on account of any person insured under the policy. Our Maximum Limit of Liability for all claims resulting from the same occurrence will be $10,000,000 collectively under the TAHC series of policies.

Our Right to Recover From Others We have the right to recover any payments we have made from anyone who may be responsible for the loss. You and anyone else we insure must sign any papers and do whatever is necessary to transfer this right to us. You and anyone else we insure will do nothing after the loss to affect our rights.

CLAIMS PROVISIONS

Notice of Claim We must be given written notice of claim within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. Notice may be given to us or to our authorized agent. Notice should include the claimant's name and enough information to identify him or her.

Proof of Loss Written Proof of Loss must be sent to us within 90 days after the date the loss occurs. We will not reduce or deny a claim if it was not reasonably possible to give us written Proof of Loss within the time allowed. In any event, you must give us written Proof of Loss within twelve (12) months after the date the loss occurs unless you are legally incapacitated.

Physical Examination and Autopsy At our expense, we have the right to have you examined as often as necessary while a claim is pending. At our expense, we may require an autopsy unless the law or your religion forbids it.

Legal Actions No legal action may be brought to recover on the plan within 60 days after written Proof of Loss has been given. No such action will be brought after three years from the time written Proof of Loss is required to be given. If a time limit of the plan is less than allowed by the laws of the state where you live, the limit is extended to meet the minimum time allowed by such law.

Payment of Claims Benefits for loss of life will be paid to your estate, or if no estate, to your beneficiary. All other benefits are paid directly to you, unless otherwise directed. Any accrued benefits unpaid at your death will be paid to your estate, or if no estate, to your beneficiary. If you have assigned your benefits, we will honor the assignment if a signed copy has been filed with us. We are not responsible for the validity of any assignment.

TRAVEL INSURANCE IS UNDERWRITTEN BY

Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 under Policy/Certificate Form series TAHC5000GCS, TAHC5000GPS, TAHC6000, and TAHC7000.

WHERE TO PRESENT A CLAIM

All claims should be presented to the Program Administrator:

CSA Travel Protection
P. O. Box 939057
San Diego, CA 92193-9057
(800) 541-3522 (Toll-Free)

CERTIFICATE STATE EXCEPTIONS

The following amendments do not waive, alter, or extend any conditions or provision of the Policy except to the extent shown below. It is subject to all the terms and limitations of the Policy. These amendments take effect and expire concurrently with the Certificate to which it is attached.

ALASKA RESIDENTS (TAHC5000AS.AK)
The GENERAL PROVISIONS, CONCEALMENT OR FRAUD section, is deleted in its entirety and replaced with the following:

CONCEALMENT OR FRAUD We do not provide coverage when the Insured has intentionally concealed or misrepresented any material fact or circumstance relating to this Policy if: 1) fraudulent; 2) material or hazardous in our acceptance; or 3) in good faith we would not have issued the Policy or not issued a policy in as large an amount, or at the same premium rate, or provided coverage with respect to the hazard resulting in the loss if the true facts had been known.

COLORADO RESIDENTS - Disclosure: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to any insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

FLORIDA RESIDENTS (TAHC5000AC.FL)
The second sentence in the LEGAL ACTIONS provision under CLAIMS PROVISIONS is deleted and replaced by the following sentence: No such action will be brought after five years from the time written Proof of Loss is required to be given.

Please direct all inquiries or to obtain information about this coverage and to provide assistance in resolving complaints to CSA Travel Protection at 1-800-554-9839.

The definition of FINANCIAL INSOLVENCY under the DEFINITIONS section is amended to remove the last sentence; "There is no coverage for the total cessation or complete suspension of operations for losses caused by fraud or negligent misrepresentation by the supplier of travel services."

MARYLAND RESIDENTS (TAHC5000AS.MD)
The CLAIMS PROVISION, LEGAL ACTIONS section, is deleted in its entirety and replaced with the following:

LEGAL ACTIONS No action at law or in equity shall be brought to recover on this Policy prior to the expiration of sixty days after written Proof of Loss has been furnished in accordance with the requirements of this Policy. No such action shall be brought after the expiration of three (3) years after the written Proof of Loss is required to be furnished.

MISSISSIPPI RESIDENTS (TAHC5000AS.MS)
The GENERAL PROVISIONS is amended as follows:

OUR RIGHT TO RECOVER FROM OTHERS Payments of any benefits will allow us to be subrogated to and succeed to the rights of the Insured for recovery against any person, organization or carrier in accordance with applicable laws if you have been fully compensated. The Insured and anyone else we insure must sign any papers and do whatever is necessary to transfer this right to us. The Insured and anyone else we insure will do nothing after the loss to affect our right.

The CLAIMS PROVISIONS is amended as follows:

The autopsy provision of the PHYSICAL EXAMINATION AND AUTOPSY section is deleted. The following is added to the PAYMENT OF CLAIMS section: Medical expense benefits for Covered Expenses will be paid within twenty-five (25) days after receipt of due written proof of such loss in the form of a clean claim where claims are submitted electronically, and will be paid within thirty-five (35) days after receipt of due written proof of such loss in the form of a clean claim where claims are submitted in paper format. A "clean claim" means a claim received by us for adjudication and which requires no further information, adjustment or alteration by the provider of services or the Insured in order to be processed and paid by us. In the event medical expense benefits due are not paid within the applicable time period prescribed, we will pay interest on accrued medical expense benefits at the rate of one and one-half percent (1.5%) per month until the claim is finally settled or adjudicated. In the event we fail to pay benefits when due, the person entitled to such benefits may bring action to recover such benefits, and any interest, which may accrue, and any other damages.

MONTANA RESIDENTS (TAHC5000AS.MT)
The following provision is added to the GENERAL PROVISIONS section of the Policy:

CONFORMITY WITH MONTANA STATUTES The provisions of this Policy conform to the minimum requirements of Montana law and control over any conflicting statutes of any state in which the Insured resides on or after the effective date of this Policy.

The PHYSICAL EXAMINATION AND AUTOPSY provision under the CLAIM PROVISIONS section of the Policy is deleted in its entirety and replaced with the following:

PHYSICAL EXAMINATION AND AUTOPSY At our expense, we have the right to have the Insured examined as often as necessary while a claim is pending. At our expense, we may require an autopsy in case of death unless the law or religion of the Insured forbids it.

NORTH CAROLINA RESIDENTS (TAHC5000AS.NC)
The following CAUTIONARY NOTICE is added to the Policy:

This Policy contains a Pre-Existing Condition Exclusion.

The definition of OTHER VALID AND COLLECTIBLE GROUP INSURANCE is deleted in its entirety and replaced by the following:

OTHER VALID AND COLLECTIBLE GROUP INSURANCE
means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.

EXCESS INSURANCE This Policy is not intended to be issued where other medical insurance exists. If other medical insurance does exist at the time of the claim then the amounts of benefit payable by such other medical insurance will become the deductible amount of this Policy if such benefits exceed the deductible amount shown in the Benefit Schedule.

The following exclusion in the EXCLUSIONS section is deleted in its entirety:

"nuclear reaction, radiation or radioactive contamination" and replaced with the following:

"nuclear reaction, radiation or radioactive contamination, except for involuntary exposure".

The PROOF OF LOSS provision in the Claims Provisions section of the Policy is deleted in its entirety and replaced by the following:

PROOF OF LOSS Written Proof Of Loss must be sent to us within 180 days after the date the loss occurs. We will not reduce or deny a claim if it was not reasonably possible to give us written Proof of Loss within the time allowed. In any event, you must give us written Proof of Loss within twelve (12) months after the date the loss occurs unless the Insured is legally incapacitated.

OKLAHOMA RESIDENTS (TAHC5000AM.OK)
Under GENERAL PROVISIONS, the first sentence in OUR RIGHT TO RECOVER FROM OTHERS is amended to read: We have a right to recover, within 24 months of the payment date in the absence of fraud, to recover any payments we have made from anyone who will be responsible for the loss.

RHODE ISLAND RESIDENTS (TAHC5000AS.RI)
The CLAIMS PROVISIONS, PAYMENT OF CLAIMS section is amended as follows:

The 1st paragraph is deleted in its entirety and replaced with the following: Claims for benefits provided by this Policy will be paid not more than 60 days after written proof is received. Benefits are paid to the Insured, unless directed otherwise by the Insured.

The following language is added as paragraph 3: Any payment that we make in good faith will fully discharge us to the extent of that payment.

The CLAIMS PROVISIONS, PROOF OF LOSS section, last sentence of the Policy, is deleted in its entirety and replaced with the following: In any event, the Insured must give us written Proof of Loss within twelve (12) months from the time proof is otherwise required, unless you are legally incapacitated.

SOUTH DAKOTA RESIDENTS (TAHC5000AS.SD)
This certificate of Insurance does not affirmatively or negatively amend, extend, or alter coverage afforded by the insurance policy.

Under the EXCLUSIONS provision, the following item is deleted:

"being under influence of drugs or intoxicants, unless prescribed by a Physician"

ENTIRE CONTRACT; CHANGES section, 2nd, paragraph, 3rd paragraph, and 4th sentence are deleted in its entirety and replaced with the following: No agent or other person may change this Policy or waive any of its terms, however, if you make a change through the agent and the agent fails to make the change with the Company, the change will be handled as if the agent had made the change. No change will be made except by endorsement.

The CLAIMS PROVISIONS is amended as follows:

LEGAL ACTIONS section, 2nd sentence is deleted in its entirety and replaced with the following: No such action will be brought after six years from the time written Proof of Loss is required to be given.

WISCONSIN RESIDENTS (TAHC5000AS.WI)
The GENERAL PROVISIONS, OUR RIGHT TO RECOVER FROM OTHERS section, is deleted in its entirety and replaced with the following:

our right to recover from others we have the right to recover any payments we have made from anyone who may be responsible for the loss. the insured and any other person to whom we make payment must sign any papers and do whatever is necessary to transfer this right to us. the insured and any person to whom we make payment agree(s) to cooperate with us and to do nothing after the loss that will adversely affect our rights. we will not retain any payments until you have been made whole with regard to any claim payable under this policy.

Credit Card Guarantee

Your credit card is protected whenever you make a purchase or reservation on AffordableTours.com. If any unauthorized charges appear on your credit card statement within 12 months of your last AffordableTours.com transaction, report this fraud to your credit card provider and contact us immediately.

Most credit card companies cover all charges resulting from credit card fraud, or may limit your responsibility to $50, the maximum allowed under the Fair Credit Billing Act.

You don't have to submit your credit card over the Internet.

Call 1-800-935-2620 and we can take your payment over the phone. Future payments for the booking can be made by only giving us the last four digits of that credit card number.