• You, your family or even your travel companions, become sick or injured and prevent you from traveling.
• You arrive at your destination and your luggage is lost or damaged.
• You are injured during your trip and need to be medically evacuated.

At Daman Nelson Travel, we understand the value of your vacation investment and strongly recommend the purchase of the Daman Nelson Travel Protection Plan to safeguard and enhance your experience. As a convenience we include the cost of our travel protection plan on your invoice. To purchase, simply pay the invoice total.

A. Preparing for your trip includes helping to protect yourself in the event of an unfortunate occurrence that interferes with even your best laid plans.

By purchasing the Daman Nelson Travel Protection Program, you can help protect yourself against cancellation penalties, medical costs, baggage loss and delay and gain access to a wide range of traveler's assistance services.

The Daman Nelson Travel Protection Program would provide coverage if:

• A closed roadway causes cessation of travel to your ski destination
• You become sick and can't travel.
• Someone in your immediate family develops an illness, even if they aren't scheduled to travel with you.
• Your house becomes flooded due to a hurricane.
• An Immediate family member back home passes away and you must return from your travels early.
• Your luggage is lost by the airlines.
• You twist your ankle and must visit a doctor while traveling.

At Daman Nelson, we offer a plan designed for the specific needs of our passengers, including benefits designed for winter ski travel. You will be provided a full description of benefits, conditions, limitations and exclusions once the plan is purchased.

Q. Will my current home, renters, credit card or health insurance policies cover my trip?

A. Other policies may not offer insurance protection while you travel due to benefit limits, territory restrictions and deductibles. Most people do not have any insurance coverage at all if they must cancel their trip. The Daman Nelson Travel Protection Plan has a wide range of travel benefits which credit card, homeowners and renters insurance policies may not offer. The accident medical benefit included in the program is valuable for people whose health insurance policies (Medicare & HMO) do not pay for out of network medical expenses.

Q. Is there help when I'm traveling?

A. One of the valued benefits offered in the Daman Nelson Travel Protection Program is 24-Hour Emergency Assistance Service.
You have access to the services of a highly trained, multi-lingual staff around the clock to assist you with emergencies such as cash transfers, lost documents, medical or legal monitoring or referrals. They are equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies.

A. For your convenience we include the cost of Travel Protection on your trip invoice. Simply pay the invoice total and you will be provided the security of the Daman Nelson Travel Protection Plan.

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

A. Trip Cancellation benefits are effective on the day following receipt of the required plan cost by Daman Nelson. All other benefits will take effect at 12:01 A.M. on your scheduled departure date. The Plan will remain in effect until your scheduled return date, or when you return home, whichever is earlier. Please see the Description of Benefits for detailed information.

Q. What happens if I must cancel my trip?

A. Contact Daman Nelson as soon as possible. If you must cancel due to a listed reason you should also contact Travel Insured International to file a claim. The plan will not pay benefits for any additional charges incurred that would not have been charged had you notified these parties as soon as reasonably possible.

Q. What happens if my traveling companion cancels his or her trip?

A. Contact Daman Nelson as soon as possible. The plan will pay the additional cost you may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements, if a person booked to share accommodations with you cancels his/her trip for a listed reason and you do not cancel.

800-343-2626 - www.skirun.com

The Frequently Asked Questions provided above are for information purposes only, please review the Description of Coverage for complete details of the benefits, conditions, limitations and exclusions.

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

A. Upon your return home, contact Travel Insured International to report your claim. You will be provided claim forms to document your loss. Please note that you will be asked to provide verification of your loss including police reports, and store receipts.

Q. How long do I have to gather all of the information for my claim?

A. Few claims require more than 3 weeks from the time of first notice to the time of payment, however you have up to one full year from the date we were first notified of your claim.

Q. How long will it take for me to get my refund?

A. Typically claims are paid within one week of receipt of your completed proof of loss.

Q. What if bad weather is predicted where I plan to travel? Will the Daman Nelson Travel Protection Program cover me if I cancel my trip?

A. Trip Cancellation benefits are payable if weather results in the obstruction of public roadways or curtailment of public transportation which prevents you from arriving at your destination and losing 50% or more of your scheduled trip.

Q. What if I lose my passport or travel documents during my trip?

A. Contact the Assistance Company using the phone numbers provided in the Description of Coverage. The Assistance Company is available to help you 24 hours a day. Their multilingual staff can provide assistance in handling unexpected complications such as lost passports, tickets, luggage or other valuable travel documents or belongings. This service will be able to also assist you with emergency cash transfer assistance, medical consultation and monitoring, emergency legal assistance, emergency medical and dental assistance, and emergency medical payment assistance.

Q. How do I file a claim?

A. To file a claim contact our Plan Administrator, Travel Insured International at P.O. Box 280568, East Hartford, CT 06128, 1-800-243- 2440. Their Claims Specialist will ask you to provide your travel dates and details describing the nature of your loss. Upon receipt of this information you will be forwarded the appropriate claim form(s) to complete. Please save all receipts, unused travel documents, medical records, etc. to include with your claim in order to facilitate prompt claims settlement. If you must cancel your trip, you must advise Daman Nelson Travel, and Travel Insured International immediately. In the event of claim, payment may be reduced for any additional charges incurred that would not have been charged had you notified these parties as soon as possible. You may also obtain claim forms online at www.travelinsured.com.

Q. What constitutes a family member?

A. A family member means You or Your Traveling Companion’s legal or common law spouse, Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew.

Q. What are Pre-Existing Conditions?

A. Pre-existing condition means any Injury, Sickness or condition of Yourself, a Traveling Companion or a Family Member for which medical advice, diagnosis, care or treatment was recommended or received with the 180-day period ending on the Effective Date. Conditions are not considered pre-existing if the condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription. Purchase your plan within 14 days of your initial trip deposit to be eligible for waiver of pre-existing conditions. You must also be medically able to travel at the time of your purchase, protect the full cost of your trip and this must be the first and only booking for the same travel period and destination.

Q. Are there exclusions and restrictions?

A. Exclusions are standard in virtually every travel insurance product. Please read carefully the Description of Coverage for a full list of terms conditions and exclusions that apply to this plan.

Q. Who is the Underwriting Company?

A. This Plan is administered by Travel Insured International. Insurance is underwritten by Arch Insurance Company, licensed in all states and the District of Columbia, and headquartered in New York. This is a brief coverage description. See Policy for restrictions. Conflicts between this document and the policy will be governed by the Policy.

800-343-2626 - www.skirun.com

The Frequently Asked Questions provided above are for information purposes only, please review the Description of Coverage for they complete details of benefits, conditions, limitations and exclusions.