TRAVEL INSURANCE

At Grand American Adventuers we believe that your safety and enjoyment are the most important parts of your holiday. Therefore, comprehensive travel insurance is mandatory whenever you travel. Before you join your Grand American Adventuers tour you MUST be covered by insurance that includes adequate coverage for baggage, medical expenses and the cost of repatriation should you become too ill to continue to travel. In addition to this, we strongly recommend that you include coverage for tour cancellation in the event that you must cancel your reservation prior to departure because of serious illness or injury to yourself, a member of your immediate family or traveling companions. (Please see sections 3, 4, and 5 of our Booking Terms).

If you join a Grand American Adventuers tour without adequate insurance you MAY NOT be allowed to continue with no right to a refund. It is a mistake to think that it will never happen to you.

The Grand American Adventuers policy as shown below is specially designed to include all the activities listed in our brochure and on this webite. If you have arranged alternative insurance please ensure your own policy covers all the optional activities you may wish to participate in. Please note that travel insurance provided free of charge by credit card companies usually does not provide cover for adventurous activities, tour cancellation or high enough Medical coverage for North America.

All travellers over the age of 55 will be requested to complete a self-declaration of fitness.

Recommended Travel Insurance

Our policy is available to anybody no matter what nationality or where you live in the World (U.S residents are not covered by Section A as shown below). The 24 Hour Worldwide emergency Medical Service is provided by Specialty Assistance Limited, experts in providing friendly and professional emergency help around the clock.

Our policy is underwritten by AXA Insurance plc and arranged by Campbell Irvine Insurance Brokers who are available on +44 (0) 1737 223 687 to help you with any enquiries that you may have relating to the cover offered.

If you wish to purchase our Travel Insurance please indicate on your booking form or by selecting the relevant box on the on-line booking system. The payment will automatically be deducted from your credit card in addition to the tour deposit or full payment.

October 2009 - March 2011 Departures

PREMIUMS	UK£	Euro	US$
Single Trip up to 25 days:	£85	E105	$149
Single Trip up to 50 days:	£129	E159	$229
Each additional month:	£69	E89	$119
Single Trip Excess Waiver**:	£12	E15	$20
Annual Multi-trip* 1 person:	£139	E175	$239
Annual Multi-trip* Family:	£219	E275	$379
Annual Excess Waiver**:	£20	E25	$35
Cancellation only cover:	£45	E59	$79
Cancellation Excess Waiver**:	£12	E15	$20

* The Annual Multi-Trip insurance offers coverage for unlimited trips upto 70 days in duration and is often better value for if embarking on a longer trip. Only available to UK or EU clients under 66 years of age. Multi-trip insurance includes Winter Sports cover.

**If you make a claim you will be liable for the first UK£70 (UK£250 for legal expenses) of each and every claim. This is called the insurance excess. To avoid this charge, we offer an excess waiver which is paid in addition to your normal premium as shown above. No policy excess applies for claims arising from personal accident, loss of deposit only, travel delay and temporary loss of baggage.

Family Rate: For families travelling together a special premium applies based on 2.5 times the adult rate. This provides cover for two adults under 66 years and up to four children aged 18 years or less.

Child Reduction: Premiums are reduced by half for children aged 18 years or less at the time of booking, if travelling with an insured adult insured under this scheme.

For persons aged 66-74 years at the time of arranging insurance, double the premium is charged for the single trip policy. For those 75 years and over please refer to Campbell Irvine on 01737 223687 for advice.


SUMMARY OF COVER

Section A:* Medical Expenses Hospital Benefit Criminal Injuries Personal Liability Section B: Personal Accident Permanent Loss of Sight Loss of Limb(s) Permanent Total Disablement Death Section C: Cancellation or curtailment Section D: Delayed departure or arrival Hi-jack of aircraft Failure of flight connections Interruption of transport Delayed Tour Expenses Section E: Personal Effects Money Passport & Visas Section F: Legal Expenses * US residents not covered for section A.

Cover up to: GBP 5,000,000 GBP 200 GBP 5,000 GBP 2,000,000 GBP 50,000 GBP 50,000 GBP 50,000 GBP 50,000 GBP 10,000 GBP 3,500 GBP 100/GBP 1,000 GBP 3,000 GBP 150 GBP 300 GBP 150 GBP 2,000 (Valuables limited to GBP 350) (Single Article Limit GBP 250) (Disc Collections GBP 200) GBP 500 GBP 250 GBP 15,000

EXCESSES:

£70 per claim per section per person except for Section D - temporally lost baggage, loss of deposit, travel restriction, personal accident and personal liability which are not subject to an excess. £250 in respect of section F - Legal Expenses only. To avoid this charge, we offer an excess waiver which is paid in addition to your normal premium as shown in the Premium table above.

GEOGRAPHICAL AREAS:

USA and Worldwide

PLEASE NOTE: This is only a summary of cover. Full details of the cover provided are shown on your policy document which will be sent to you upon receipt of payment of premium, please read it carefully to ensure you understand the cover provided. Should you wish a specimen, a copy will be made avaiable prior to purchase upon request. If the insurance does not meet your requirements you may return the documentation within 14 days of the purchase or prior to travel if this is sooner and, provided no claim has been made, obtain a refund.

Please remember that all Material Facts should be disclosed, as failure to do so may affect your rights under this Insurance. The Insurance contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose well being the trip may depend. In particular, pre existing medical problems are not covered unless the Medical Helpline is contacted on: +44 (0)844 892 0954.