Travel Protection Insurance

Travel Protection is vacation insurance and it's designed to protect your vacation investment in the event you must cancel due to unforeseen circumstances that may interfere with your ability to travel, or if things go wrong while you are on your cruise.

Travel Insurance covers:

• Cancellations due to sickness, death, injury of you, a family member, domestic partner or traveling companion
• Travel delays due to inclement weather or natural disasters

In addition, Travel Protection covers:

• Lost, stolen, or damaged baggage and personal effects
• Emergency medical expenses
• Expenses incurred if your travel is delayed
• Emergency transportation to an adequate medical facility, with an escort when medically necessary

If you must cancel your cruise or incur expenses or penalties for any of the reasons covered above, Travel Protection Insurance will reimburse you for covered costs.

We highly recommend you purchase Travel Protection Insurance. Regent Seven Seas Cruises does charge a penalty if you must cancel your cruise within their set penalty periods. And it is unwise to expect that they will make an exception, even under the direst circumstances. Travel Protection will refund these penalties if you cancel for a covered reason.

You should also buy Travel Protection because most Americans have little or no health care coverage when they travel outside the U.S. When you board a foreign-flagged cruise ship, you physically enter another country. For those who do have health coverage in effect outside the U.S., including those on Medicare, medical coverage and medical evacuation is not included. Airlift transportation from a ship to a qualified medical facility can cost thousands and thousands of dollars, and without travel protection, you must pay out of pocket, often up front!

Travel Protection covers emergency medical transportation when necessary. Regent Seven Seas cruise ships are designed to provide medical care for certain temporary illnesses and accidents; they are not intended or capable of providing on-going treatment for emergency or pre-existing medical conditions. If you must be evacuated, your Travel Protection would cover the costs.

Regent Seven Seas Cruises is not responsible when things go wrong or obligated to connect you with the ship if you miss it. And if you are flying to the port of embarkation, the airline may not be willing or able to send you somewhere else to pick up the ship. Travel Protection will reimburse you the costs incurred for missed connections and flight delays.

Any one of the above reasons is good enough to buy travel protection, but consider that every one of them applies to everybody all the time! The bottom line is that travel protection is the only way you may get your money back if you have to cancel your Regent cruise.

Once a deposit is made, all reservations are subject to an administration fee for any changes or cancellations made. This administration fee may be converted to a future cruise credit redeemable on bookings made up to 12 months after cancellation and for travel any time. This administration fee is charged by Regent Seven Seas Cruises and is not covered by travel protection.

The following cancellation charges will be assessed for all cancellations received prior to departure:

Cruises 14 Nights or Less

• Deposit to 121 days prior: $100 per person booking administration fee (convertible to future cruise credit)
• 120-91 days prior: 15% of cruise fare per person
• 90-61 days prior: 50% of cruise fare per person
• 60-31 days prior: 75% of cruise fare per person
• 30-0 days prior: 100% of cruise fare per person

Cruises 15 Nights or Greater

• Deposit to 151 days prior: $100 per person administration fee (convertible to future cruise credit)
• 150-121 days prior: 25% of cruise fare per person
• 120-91 days prior: 50% of cruise fare per person
• 90-76 days prior: 75% of cruise fare per person
• 75-0 days prior: 100% of cruise fare per person

Cancellation of Ancillary Items

• Pre- & Post-Cruise Hotel Packages: 100% penalty within 45 days of departure
• Pre- & Post-Cruise Land Packages: 100% penalty within 60 days of departure
• Pre-Bookable Adventures Ashore/Overland Programs: 100% penalty within 45 days of departure
• Regent Choice Shore Excursions: 100% penalty within 36 hours of tour departure
• Private Transfers: 100% penalty within 4 days of transfer
• Destination Service Fee: Nonrefundable once paid
• Airfare: 100% penalty within 60 days of departure
• Air Supplemental Fee: Nonrefundable once confirmed

Reservation Changes: Regent Seven Seas does not allow name changes after deposit. A new booking must be created, subject to new terms and conditions. The original reservation will be cancelled and cancellation fees will apply.

A typical travel protection policy includes three main benefits:

• Trip cancellation/interruption
• Major medical with medical evacuation
• Baggage protection

Most policies offer some type of travel delay coverage, but it may or may not cover delays to strikes or other labor problems.

The trip cancellation benefit is designed to reimburse you up to the total cost of your vacation in the event a medical emergency forces you to cancel under penalty with Regent Seven Seas. Trip cancellation benefits apply prior to the start of the cruise, while trip interruption coverage works for you after you have left home. If an emergency to anyone traveling, or to those immediate family members left behind, causes you to cut the trip short, trip interruption is intended to reimburse you for the missed portion of the vacation and the out-of-pocket expenses necessary to return home. Without these two important benefits, you have no recourse but to lose both cruise and the money you've paid for it.

Major medical treatment and medical evacuation benefits offer you medical protection outside the area covered by your primary care provider without a deductible. In addition, emergency medical transportation, including helicopter airlift, is covered to transport you to a medical facility where you can be treated.

Baggage protection provides you with reimbursement for lost, stolen or damaged luggage. Most people do not consider the repercussions of taking a cruise without their clothing! Baggage benefits can provide you with the necessary cash to replace some of the missing articles so that your cruise is not a complete fashion emergency.

In general, the insurance portion of a travel protection plan covers medical emergencies, such as a death, illness or injury to you, your traveling companions and any immediate family members.

Business and personal obligations are not covered for trip cancellation under the insurance portion of a travel protection policy, unless additional coverage is purchased and explicitly listed on your policy confirmation details.

It is important to know that the RegentCare Guest Protection travel insurance policy offered by Regent does not cover pre-existing medical conditions under the trip cancellation clause. A pre-existing medical condition is usually defined as one for which you have been treated within 120-60 days of purchasing the insurance. Please note that terminal illness and mental illness are not covered as pre-existing medical conditions. RegentCruises.com recommends that you contact the insurance company directly for specific information about your personal situation.

In situations when only one member of the party is unable to travel contact RegentCruises.com to learn what options are available without having to cancel the cruise altogether.

A pre-existing medical condition is one that existed during the 120-60 days preceding and including the policy effective date. A condition is pre-existing if you:

1. Received a recommendation for a diagnostic test, examination or medical treatment; or
2. Took or received a prescription for drugs or medicine.

Item (2) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the designated period before coverage is effective under the policy.

RegentCruises.com is proud to provide Generali Vacation Travel Protection as an alternative to Regent Seven Seas' cancellation and insurance policies.

Generali Vacation Travel Protection, available through RegentCruises.com, covers non-refundable trip costs and includes a pre-existing medical conditions waiver if:

• You purchase the plan on or before the date of final payment
• You are a U.S. resident
• You are medically able to travel on the date of purchase and trip cost is $20,000 per person or less.

It is important to know that the RegentCare Guest Protection Plan offered by Regent Seven Seas Cruises does not cover pre-existing medical conditions under the trip cancellation and medical benefit clause.

Travel protection can take much of the worry out of a bad situation by paying for the medical evacuation required to transport you to the nearest hospital. In addition, assistance services are included to verify coverage so that you can be treated immediately. The assistance services can also help you communicate with the doctors if you don't speak the same language.

Without the medical coverage included in a travel protection plan, you will be forced to pay out of pocket up front for medical treatment and medical transportation, and you'll be on your own dealing with the doctors and the hospitals in a foreign country.

RegentCruises.com offers Generali Vacation Travel Protection, which includes a waiver for pre-existing medical conditions, and we will automatically include the premium amount on your invoice for your consideration.

Regent Seven Seas Cruises offers RegentCare Guest Protection Plan, which provides coverage for trip cancellation, interruption and medical emergencies. The cost of the RegentCare Guest Travel Protection Program is determined upon the cruise duration and cost.

To purchase either policy, please contact your RegentCruises.com Cruise Expert.

The purpose of travel insurance is to provide protection for travelers against the unique risks associated with travel, before trip departure and during the trip itself. RegentCruises.com is proud to offer Generali Travel Protection.

This plan provides coverage for:

• Cancellations due to sickness, death, injury of you, a family member, domestic partner or traveling companion
• Travel delays due to inclement weather or natural disasters
• Optional BizPak coverage, which provides benefits for work-related reasons

In addition, RegentCruises.com?s Generali Vacation Travel Protection covers:

• Existing medical conditions: all non-refundable trip costs are covered if you purchase the plan prior to making your final trip payment, you are a U.S. resident, medically able to travel on the date of purchase, and trip cost is $20,000 per person or less
• Lost, stolen, or damaged baggage and personal effects
• Emergency medical and dental expenses
• Expenses incurred if your travel is delayed
• Emergency medical transportation to an adequate medical facility, with an escort when medically necessary

The insurance premium is based on 8.25%* of the total cost of the trip including all covered components such as air transportation purchased separately.

This plan is available to persons whose primary residence is in the United States or Canada.

* This plan does not yet apply to guests residing in AK, IN, MA, NY, PA, TX, WA. Clients residing in these states will be quoted the current 8% policy which does not have as extensive coverage. Once these states accept the increase, then guests will be required to accept the 8.25% increase/policy changes.

Provides you with immediate aid for:

• Medical Referral
• Legal Referral
• Emergency Cash Transfer
• Lost Ticket & Passport Assistance
• Emergency Prescription Refill Assistance

Please review the Certificate of Insurance/Policy for restrictions, limitations and conditions that may apply.

Insurance coverage is underwritten by BCS Insurance Company (OH, Administrative Office: Oakwood Terrace, IL), rated A- (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: Richmond, VA), rated A (Excellent) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on the insured's state. Generali Global Assistance and Generali Travel Insurance are brands of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.

California Residents: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan. We are doing business in California as WASC Insurance Agency. CA License # is 0B01400.

Florida Residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida.

New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer's expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer's compensation, except as otherwise provided by law.

Utah Residents: We are doing business in Utah as Generali Global Assistance Insurance Agency.

Plan may not be available in all jurisdictions.

Protect Your Investment

You've saved, you've waited, and now you're all set to go on the vacation of your life - a Regent Seven Seas Cruises vacation. Preparing for your vacation includes covering yourself against unfortunate occurrences that threaten to interfere with even your best laid plans. By purchasing RegentCare, you can be eligible for coverage against cancellation penalties, medical costs, baggage loss, and delays, as well as gain access to a wide range of travelers assistance services.

Did you know RegentCare could cover you if:

• Someone in your immediate family has an illness or injury, even if they aren't scheduled to travel with you
• You become ill and can't travel because your child comes down with the chicken pox and you are quarantined
• Your house becomes flooded due to a hurricane
• A family member back home passes away and you must return from your vacation early

In addition, RegentCare covers:

• Lost, stolen, or damaged baggage and personal effects
• Emergency medical expenses
• Expenses incurred if your travel is delayed
• Emergency medical transportation to an adequate medical facility

RegentCare Guest Travel Protection premium is based on the length of the cruise and a calculated percentage of the cruise cost. For Regent cruise vacations of 14 nights or less, the Travel Protection premium is 11.5% of the cruise fare. If your Regent Seven Seas Cruise is 15 nights or longer, the Travel Protection premium is 20% of the cruise fare.

This plan is available to citizens of all countries (except Puerto Rico due to local regulations) who purchased through a U.S. based travel agency.

RegentCare's CareFree Travel Assistance provides you with immediate aid for:

• Arrangement of Last Minute Flight or Hotel Changes
• Medical Referral
• Legal Referral
• Emergency Cash Transfer
• Lost Ticket & Passport Assistance

Please review the RegentCare Guest Travel Protection Program for restrictions, limitations and conditions that may apply.

This plan was designed and is administered by Aon Affinity Berkely Travel. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc.; (AR 244489); in CA, MN & OK, AIS Affinity Insurance Agency, Inc. (CA0795465); in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY and NH, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. As an MGA we are acting on behalf of our carrier partner.

Important: This is only a brief description of the program. For a summary of terms, conditions and exclusions, please refer to the RegentCare Guest Travel Protection Program.

Travel Insurance is underwritten by Stonebridge Casualty Insurance Company, a Transamerica company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form Series TAHC5000. In CA, HI, NE, NH, PA, TN and TX Policy/Certificate Form series TAHC5100. In IL, IN, KS, LA, OR, OH, VT, WA and WY Policy Form #s TAHC5100IPS and TAHC5200IPS. Certain coverages are under series TAHC6000 and TAHC7000.