CBP Insurance

Help preserve your travel investment – and some peace of mind – with The Ritz-Carlton Yacht Collection’s Travel Protection Program.

The Travel Protection Program is designed exclusively for The Ritz-Carlton Yacht Collection participants and can help protect your monetary investment in your vacation plans. In the event that you become unexpectedly ill or injured before your trip, the plan may reimburse you for charges that are assessed due to cancellation. Proper medical coverage has become increasingly important while traveling outside the country. In addition, the plan addresses additional inconveniences like lost or delayed baggage.

Maximum benefits include:

• Up to 100% of Trip Cost - Trip Cancellation: provides reimbursement in the event you are forced to cancel the trip for covered reasons.
• Up to 100% of Trip Cost - Trip Interruption: provides reimbursement in the event you cannot continue the trip for covered reasons.
• Up to $2,500 - Trip Delay: covers additional accommodation, meal and local transportation expenses if delayed (for 12 hours or more) by a natural disaster, strike, common carrier delay or other covered reason.
• Up to $3,000 - Baggage/Personal Effects: reimburses for the replacement of baggage and personal property that is lost, stolen or damaged during your trip.
• Up to $1,000 - Baggage Delay: provides reimbursement for the purchase of personal effects in the event your checked baggage is delayed by a common carrier for 12 hours or more from your arrival at a scheduled destination other than your return destination. 
• Up to $20,000 (Accident) and up to $20,000 (Sickness) - Emergency Accident & Sickness Medical Expense: provides reimbursement for emergency accident and sickness medical expenses incurred during the trip. This includes Up to $1,000 - Dental Coverage, providing reimbursement for emergency dental expenses incurred during the trip.
• Up to $50,000 - Emergency Evacuation and Repatriation of Remains: covers medical transportation expenses if an accidental acute, severe or life-threatening injury or sickness takes place during the trip and adequate treatment is not available in the immediate area. This may also cover transportation expenses incurred to return to the United States for further medical treatment. 
• Pre-Existing Condition Coverage: Your pre-existing conditions are covered if you purchase the plan within 15 days of the date your original trip deposit is received and you are not disabled from travel at the time of purchase.*
• 24-HOUR - Worldwide Emergency Assistance Service: provides an emergency hotline to the assistance provider, On Call International, in the case of travel emergencies. This is not an insurance benefit.

*Losses due to, arising or resulting from pre-existing conditions are normally excluded from coverage.  However, such losses are covered on the same basis as losses due to, arising or resulting from all other sicknesses and injuries if you qualify for the Pre-Existing Medical Condition Exclusion Waiver.

This advertisement represents the opinions of CBP and is hosted by Ritz Carlton. This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et.al, T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain noninsurance Travel Assistance Services provided by On Call International. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact the plan administrator: Co-ordinated Benefit Plans at 877-394-7301 (Reference Plan Number: US1069798) or via E-mail to TravelTeam@cbpinsure.com

How To Enroll

For your convenience, a member of The Ritz-Carlton Yacht Collection team will offer you (or your travel professional) protection at the time of reserving your cruise. Ask your travel professional to add The Ritz-Carlton Yacht Collection’s Travel Protection Program to your invoice. We strongly recommend you purchase coverage right away, to lock it in, in case you become ill later on and must cancel your cruise. 

The Travel Protection Program may be purchased up until your final cruise payment.  The Trip Cancellation coverage takes effect upon receipt of the Travel Protection Program payment. All other benefits take effect upon departure.

 

Why should I purchase The Ritz-Carlton Yacht Collection’s Travel Protection Program?

Preparing for your trip includes covering your trip from unfortunate occurrences that threaten to interfere with even your best-laid plans. By purchasing The Ritz-Carlton Yacht Collection’s Travel Protection Program, you can protect yourself against cancellation penalties, medical expenses, baggage loss and delays, as well as gain access to traveler's non-assistance services.

Did you know that the Travel Protection Program could cover you if:

• You cancel your trip because someone in your immediate family suffers an illness or injury, even if they aren't scheduled to travel with you.
• You become ill and can't travel.
• You cancel your trip because your primary residence becomes flooded due to a hurricane or natural disaster.
• A family member passes away and you must return from your vacation early.
• Your luggage is lost, damaged or delayed by the airline.
• You twist your ankle and must visit a doctor while traveling.
• Other unforeseeable events as listed in the plan document

 

What does the Travel Protection Program cover?

The Travel Protection Program includes pre-trip cancellation protection and coverage while you are traveling on your trip, including:

Trip Cancellation and Trip Interruption

If you must cancel or interrupt your trip for a covered reason, the Travel Protection Program provides coverage.  You can be reimbursed up to your total trip cost for a trip cancelation or a trip interruption ($50,000 maximum).  Covered reasons for Trip Cancellation coverage and Trip Interruption coverage include sickness, injury or death to you, a traveling companion or an immediate family member. Additional covered reasons include subpoena, having a home made uninhabitable by a natural disaster, hijacking, quarantine* and being involved in a documented traffic accident en route to departure. The covered reasons for Trip Cancellation coverage are not identical to the covered reasons for Trip Interruption coverage, and additional terms apply to all covered reasons.  Please refer to the plan document for full details.

*Quarantine means You or Your Traveling Companion, Family Member, or Business Partner are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, Family Member, or Business Partner either having, or being suspected of having an contagious disease, infection or contamination

COVID-19 is treated the same as any other sickness under The Ritz-Carlton Yacht Collection Travel Protection Program. In the event that you become unexpectedly ill before your trip, the plan may reimburse you for charges assessed due to cancellation.

Mandated shutdown by local government authorities of an airport or air traffic control system resulting in the complete cessation of services for at least 24 consecutive hours of Your Common Carrier.
 

Trip Delay

If you are delayed for 12 hours or more from your original departure time due to a flight delay or other covered reason, the program reimburses you for additional accommodations, meals and non-refundable deposits for prepaid travel arrangements that you are unable to use.

Accident and Sickness Medical Expense

If you become ill or are injured while on your trip, the Travel Protection Plan covers up to $20,000 in medical expenses due to an accident and up to $20,000 in medical expenses due to a sickness.

Emergency Evacuation and Repatriation of Remains

If an injury or illness that is acute, severe or life threatening requires emergency medical transportation to the nearest appropriate medical facility, the program covers up to $50,000 for transportation expenses (among other benefits).

Baggage and Personal Effects

Reimburses expenses up to $3,000 for the covered loss, damage, or theft of baggage and/or personal effects during your trip. 

Baggage Delay

This covers you for the purchase of necessary personal items (up to $1,000) in the event your checked baggage is delayed by a common carrier for 12 hours or more from your arrival at a scheduled destination other than your return destination.

24-Hour Non-Insurance Worldwide Emergency Assistance

24-hour emergency telephone assistance hotline for medical and travel-related problems ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring.

Are my airline tickets covered?

If your air was booked through The Ritz-Carlton Yacht Collection, the Travel Protection Program can cover your airfare provided that the non-refundable cost of your airfare is included in your trip cost for the purposes of calculating your Travel Protection Program cost.

Is there help while I’m traveling on my trip?

One of the valued benefits offered in the Travel Protection Program is the 24-Hour Emergency Assistance Service (this is not an insurance benefit).  On Call International is a leader in this field. With On Call International you have access to the services of a highly trained, multi-lingual staff around the clock to assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring or referrals. They are also equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies. If an emergency should arise during your trip, call On Call International immediately and give the details of your problem or medical emergency.

Where can I call for more information about the Travel Protection Plan?

You may call, Co-ordinated Benefit Plans, the plan administrator, with any questions regarding the Travel Protection Plan. Also, you may send a fax or if you prefer to send an E-mail message, their Customer Service representatives will be happy to assist you.

PH: 1-877-394-7301

FAX: 800-560-6340

E-mail your information to: travelteam@cbpinsure.com

Reference Plan #: US1069798

Office Hours:

Monday, Tuesday, Wednesday, Friday – 8:30am-5:00pm (EST)

Thursday - 9:30am – 5:00pm (EST)

Enrollment Questions

When is payment for the program due and how do I enroll?

A member of The Ritz-Carlton Yacht Collection reservations team will offer you (or your travel agent) protection at the time of booking your cruise.  Ask your travel agent to add The Ritz-Carlton Yacht Collection’s Travel Protection Program to your invoice.  We recommend you purchase coverage right away, to lock it in, in case you become ill later on and must cancel your cruise. 

When does coverage go into effect and will it cover me for the entire length of my trip?

The Trip Cancellation coverage takes effect upon receipt of the required plan cost to The Ritz-Carlton Yacht Collection. Most other benefits will take effect on the date and time you depart on the first travel arrangement. Your coverage will remain valid until the date you complete your trip, your scheduled return date, or the date you cancel your trip. Please see the plan document for detailed information.

Claims Questions

What happens if I need to cancel my trip?

Please contact The Ritz-Carlton Yacht Collection and the plan administrator as soon as possible in the event of a claim. Co-ordinated Benefit Plans will then forward you the appropriate claim form in order to file a claim.

How do I get reimbursement if my bags and/or personal items are damaged/stolen/lost while I am traveling?

First, obtain verification from the appropriate authority to who you reported the loss (for example, trip representative, police, etc.). Also, be sure to save any store receipts you may have for the original purchases. Upon your return home, simply request a claim form by calling Co-ordinated Benefit Plans. You will be asked to complete the form and submit copies of this information along with your claim form, in addition to any response you may have received from your homeowners or renters insurance. You can be reimbursed for items damaged/stolen/lost while traveling up to $3,000. 

If I incur medical expenses during my trip, should I submit them to my health insurance company first?

Yes. All coverages in the plan, including the Accident and Sickness Medical Expense portion of the Travel Protection Program, are subject to an excess insurance limitation.  For the Medical Expense benefit, this means that the plan covers medical expenses that are not covered under your regular health insurance policy.  The Medical Expense benefit can reimburse you for deductibles and co-pays that may be imposed by your health insurance. Please see the plan document for a complete definition of covered medical expenses.

How do I file a claim? How long does it take to receive my money back?

In the event of a claim please contact Co-ordinated Benefit Plans, our Plan Administrator, at 1-877-394-7301 between Monday – Friday 9:00 am to 5:00 pm EST (please note after 9:30 am on Thursday).

Also, you may send an E-mail message to: travelteam@cbpinsure.com

If you plan to cancel your trip due to a covered reason call The Ritz-Carlton Yacht Collection and Co-ordinated Benefit Plans immediately to initiate the claims process and to avoid additional expenses due to late notification.

Please note that you may want to have a copy of your Ritz-Carlton Yacht Collection invoice handy when you call, as there are some details that will be needed in order to initiate your claim. This information includes your travel dates, date of cancellation, The Ritz-Carlton Yacht Collection confirmation or reservation number, and some brief information regarding your reason for cancellation, or other type of loss (i.e., trip delays, baggage loss or delay, medical claims, etc.). Important: If you are canceling your trip, be sure to also contact The Ritz-Carlton Yacht Collection to notify them of the cancellation, as well as to avoid additional expenses due to late reporting.

Claim forms will be mailed to you within two to three business days. For covered emergencies during your trip which require evacuation or interruption, promptly call On Call International, the assistance company, with your policy number and emergency details.

Once Co-ordinated Benefit Plans receives full documentation, payment for a covered claim can be generated within 7 – 10 business days.

How do I check on the status of my claim?

To check the status of your claim you can contact Co-ordinated Benefit Plans at 1-877-394-7301

Definitions / Exclusions Questions

Who is a covered "Immediate Family Member” under the Travel Protection Plan?

Our definition of immediate family includes more than the family members who reside with you. Instead, immediate family includes: mother, father, grandmother, grandfather, grandchild, brother, sister, aunts, uncles, nieces, nephews among others. See the Definitions section of the plan document for a full listing.

What are the Covered Medical Expenses if I become sick or injured while on my trip?

The program provides Emergency Accident & Sickness medical expense benefits for the following:

a) medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for treatment. 

b) Hospital or ambulatory medical-surgical center services, including expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended by Your attending Physician and approved by Us or Our designated Travel Assistance Services Provider as a substitute for a hospital room for recovery from Your Injury or Sickness. 

c) emergency dental treatment incurred during Your Trip. Dental expenses incurred after Your Trip is completed are not covered. 

d) local transportation expense to and/or from a Hospital.  Please see the Emergency Accident & Sickness Medical Expense of the plan documents for full details.

Are there exclusions?

Limitations and exclusions do apply.  For example, the program does not provide duplicate payments if there are other sources of reimbursement available. Please see the plan documents for a full list of exclusions at ritz.tpaproducts.com.

 

For further questions, please contact the plan administrator at:

Co-ordinated Benefit Plans

877-394-7301 (Reference Plan Number: US1069798)

Or E-mail your information to: TravelTeam@cbpinsure.com