Spinnaker Insurance Company Position Statement – Mauna Loa Volcanic Eruption
Mauna Loa, located on the Big Island of Hawai’i, began erupting on November 27, 2022 at 11:30pm. This volcanic eruption is now a foreseen event.
Mauna Loa, located on the Big Island of Hawai’i, began erupting on November 27, 2022 at 11:30pm. This volcanic eruption is now a foreseen event.
November 7, 2022 NOAA (National Oceanic and Atmospheric Administration) has issued a Tropical Storm watch for Subtropical Storm Nicole located in the Atlantic Ocean as
Issued: November 1, 2022 On November 1, 2022 Delta Airlines pilots have voted to authorize a strike if negotiators cannot reach agreement on a new
Issued: October 31, 2022 Tropical Storm Lisa formed at 11am est on Monday, October 31, 2022. This is now a known event. In order for
NOAA (National Oceanic and Atmospheric Administration) has issued a Tropical Storm watch for Tropical Storm Karl located in the Gulf of Mexico as of 5:00
NOAA (National Oceanic and Atmospheric Administration) has issued a Tropical Storm watch for Tropical Storm Julia located in the Atlantic Ocean as of 11:00 AM
Tropical Depression Nine became Tropical Storm Ian on Tuesday, September 23, 2022. This is now a known event.
A powerful magnitude 7.6 earthquake struck the Pacific Region of Mexico on September 19,2022. This earthquake and resulting tsunamis are now a foreseen event. In
Air controllers across France are scheduled to strike on Friday, September 16, 2022. The French Air Controllers Strike is now a foreseen event. In order
Tropical Depression Seven became Tropical Storm Fiona on Wednesday, September 14, 2022 at 9:45pm AST and tropical storm watches and warnings have been issued. This
Any Medical Condition that, within the last 12 months, required any:
Hypertension or high cholesterol controlled by 1 prescription drug only and where the dosage has not been changed within the last 12 months will not be considered a pre-existing medical condition
Travel Protection Benefits | Limits |
---|---|
Trip Cancellation | 100% of trip cost (up to a maximum of $20,000) |
Single Occupancy | Up to trip cost |
Cancel for Any Reason | Up to 75% of trip cost Up to 50% of trip costs in FL(CFAR not available to NY residents) |
Trip Interruption | 150% of trip cost |
Delay Package | |
Trip Delay | Maximum $200 per day up to $2,500 |
Missed Connection | Maximum of $1,000 per covered trip |
Baggage Package – Excess | |
Baggage and Personal Effects | $2,500 $100 Deductible |
Baggage Delay | $100 per day up to a maximum of $500 |
Travel Medical Package – Excess AK, CO, ID, ND, NH – Primary | |
Travel Medical Expense – Adventure sports included | $100,000 $50,000 in NH $50 Deductible |
Emergency Dental | $750 |
Emergency Evacuation and Repatriation of Remains | Up to $500,000
Up to $1,000,000 in NH |
Accidental Death & Dismemberment | $100,000 or $250,000 or $500,000 |
Pet Medical Package | |
Pet Medical Expense | Up to $2,000 $100 Deductible |
Pet Return | Up to $500 |
Rental Vehicle Damage – Primary | Up to $35,000 per rented vehicle- Primary $250 Deductible for loss greater than $2,000 |
Vacation Rental Damage | $1,500 or $3,000 or $5,000 |
Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.
Benefits | Limits |
---|---|
Cancellation and Curtailment | 5,000 |
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains | 10,000,000 (excess 250 or 50) |
Hospital Benefit | 25 per day, maximum 100 |
Personal Accident | up to 250,000 |
Baggage Loss or Delay | up to 5,000 (excess 250 or 50) |
Personal Money and Passport, limited to 250 in respect of cash | 500 (excess 250 or 50) |
Personal Liability | 500,000 |
Travel Delay | 500 |
Optional Benefits | Limits |
Business Extension | up to 1,000 (excess 100) |
Winter Sports (Ski Equipment) | up to 750 (excess 50 or 100) |
Important notes:
|
Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.
Benefits | Limits |
---|---|
Trip Interruption | 2,000 |
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains | 10,000,000 (excess 250) |
Hospital Benefit | 25 per day, maximum 100 |
Personal Accident | up to 5,000 |
Baggage Loss or Delay | up to 2,000 (excess 250 or 50) |
Personal Money and Passport, limited to 250 in respect of cash | 500 (excess 250) *** Limited to 250 in respect of cash |
Personal Liability | 500,000 |
Optional Benefits | Limits |
Business Extension | up to 1,000 (excess 100) |
Winter Sports (Ski Equipment) | up to 750 (excess 50 or 100) |
Personal Accident | up to 250,000 |
Baggage | up to 10,000 |
Important notes:
|
Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.
Benefits | Limits |
---|---|
Cancellation | up to $20,000 |
Trip Interruption | $1,000 |
Medical and Emergency Expenses | $5,000,000 (deductible $250) |
Hospital Benefit | $25 per day, maximum $100 |
Personal Accident | up to $50,000 |
Baggage | $2,000 (deductible $250) |
Personal Money and Passport, limited to $250 in respect of cash | $500 (deductible $250) |
Personal Liability | $500,000 |
Optional Benefits | Limits |
Business Extension | up to $1,000 (deductible $100) |
Winter Sports (Ski Equipment) | up to $750 (deductible $50 or $100) |
Important notes:
|
Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.
Benefits | Limits |
---|---|
Cancellation and Curtailment | 5,000 |
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains | 10,000,000 (excess 250 or 50) |
Hospital Benefit | 25 per day, maximum 100 |
Personal Accident | up to 250,000 |
Baggage Loss or Delay | up to 5,000 (excess 250 or 50) |
Personal Money and Passport, limited to 250 in respect of cash | 500 (excess 250 or 50) |
Personal Liability | 500,000 |
Travel Delay | 500 |
Optional Benefits | Limits |
Business Extension | up to 1,000 (excess 100) |
Winter Sports (Ski Equipment) | up to 750 (excess 50 or 100) |
Important notes:
|