Spinnaker Insurance Company Position Statement – Hurricane Nicholas
The National Weather Service has issued a hurricane watch for Hurricane Larry, and therefore became a known event as of September 12, 2021. In order
The National Weather Service has issued a hurricane watch for Hurricane Larry, and therefore became a known event as of September 12, 2021. In order
The National Weather Service has issued a hurricane watch for Hurricane Larry, and therefore became a known event as of September 1, 2021. In order
The National Weather Service has issued a tropical storm watch for Tropical Depression Mindy, and therefore became a known event as of September 8, 2021.
The National Weather Service has issued a hurricane watch for Tropical Storm Olaf, and therefore became a known event as of September 8, 2021. In
The National Weather Service has issued a hurricane watch for Tropical Storm Nora, and therefore became a known event as of August 26, 2021. In
The National Weather Service has issued a hurricane watch for Tropical Storm IDA, and therefore became a known event as of August 26, 2021. In
The National Weather Service has issued a tropical storm warning for Tropical Storm Henri, and therefore became a known event as of August 16, 2021.
The US State Department has issued a Do Not Travel Advisory for Afghanistan. Travel to all areas of Afghanistan is unsafe because of critical levels
The Haitian Government has issued a national disaster alert prompted by 7.2 magnitude earthquake that took place in Haiti on August 14, 2021 and therefore
The National Weather Service has issued a tropical storm warning for Tropical Storm Grace, and therefore became a known event as of August 14, 2021.
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:
|