We recommend trip Cancellation Insurance to provide protection for our guests who need to cancel their trip at the last minute due to unforeseen personal circumstances, or other contingencies as outlined below and will forfeit their trip under the terms of the RMA cancellation policy.

We have researched a number of Travel Insurance programs, and have found that the policy offered by Travel Insurance Services provides in addition to a Cancellation Policy a variety of other protections at little or no additional premium.

Summary of Coverages

Part A - Benefits

Trip Cancellation / Interruption

Pays up to *Trip Cost (maximum $10,000 per Traveler) for non-refundable payments/deposits if the Trip is canceled prior to departure, or any unused land or sea arrangements and up to a one-way economy airfare to return home or rejoin the Trip, if the Trip is interrupted or cancelled after departure.

Covered Reasons - Cancellation/Interruption must be due to a covered reason such as injury, sickness, death or due to Other Covered Events, such as: Air carrier delay due to strike; cancellation of arrangements by an airline, cruise line or tour operator due to bad weather, strike or Financial Insolvency; a traffic accident while en route to a departure; jury duty; destruction of a residence by a natural disaster; a documented theft of passports or visas; a terrorist act in a departure, connecting or destination city that occurs within the 30 days before or after the Scheduled Departure for the Trip.

Part B - Benefits

$25,000 Medical Expense / Emergency Assistance

Covers: medical expenses incurred within one year of an injury or sickness suffered during the Trip; emergency dental treatment by a dentist during the Trip; evacuation and transportation as directed by a physician to the nearest adequate medical facility and/or to the insured's U.S. residence; expenses for a Physician recommended escort; or, in the event of death, transportation of the remains home.

24-Hour Assistance - provides physician and hospital referrals, medical monitoring, guarantee of medical payments and communication with friends or family during an emergency.

$500 Travel Delay

Covers additional accommodation and traveling expenses up to $100 per day (maximum $500) when the trip is delayed 12 hours or more due to a covered reason such as: Common carrier delay, lost or stolen documents, sickness, or injury.

$1000 Baggage / Travel Documents / Baggage Delay

Covers up to $1,000 for loss or damage to baggage, personal effects and travel documents during the Trip. A $100 benefit is included for the purchase of additional clothing and personal articles when baggage is delayed more than 24 hours.

$25,000 Accidental Death & Dismemberment

Covers death and loss of limb or eyesight within 365 days of an accident.

Conditions and Limitations

Certain exclusions and limitations apply and are detailed in the Travel Insurance Certificate. For example, coverage does not apply to: Any sickness or condition of an Insured, a traveling companion or immediate family member traveling with the Insured, that existed during the 60 days prior to the effective date of the coverages; suicide; mental or nervous disorders; normal pregnancy; war or any acts of war; Financial Insolvency of the company who the Insured made direct payment to for the Trip; or Financial Insolvency that occurs within 15 days following premium payment. A Traveling Companion is defined as a person booked to share the same room or cabin during the Trip.

Important: Time Sensitive Provisions

The exclusion for Pre-Existing Conditions is waived, provided premium for this policy is received no later than 15 days after the initial deposit/payment for the Trip and no insured person is disabled from travel when the premium is paid.

The Trip Cancellation/Interruption benefits for Financial Insolvency (bankruptcy/default) and for certain terrorist acts are included, provided premium for the policy is received no later than 15 days after the initial deposit/payment for the Trip.

Note: This is only a summary of coverage. Please review the Preferred Benefits™ Travel Insurance Certificate for complete coverage details.

*less any RMA credit that is due.

*In order to qualify for cancellation insurance, the trip must be booked at least 30 days prior to the trip date. Travel Insurance Services does require that the cancellation insurance must be ordered, paid for in full and be postmarked no more than 15 days from the date of your initial trip reservation deposit.. An insurance prospectus and application will be mailed with the receipt for your trip deposit for all reservations that qualify for insurance coverage as outlined above.

The insurance premiums and benefits are priced per person. You should insure all of your prepaid trip, and option costs, including Travel (Note: Tour bus reservations are non-cancellable) that are subject to cancellation penalties or other restrictions. There is minimum amount of insurance of $200 per person. There are additional coverage options that are defined in the application form. Click on "fine print" to link to the Travel Insurance Services policy legalese.

Premiums:	RMA Trip Cost
Participant's Age	Rate	Inc. Bus	Inc. Bus	(Basic Trip Cost, not including any available options)
(on Postmark Date)	(% of trip cost)	316	305	251	240	230	219	under 200
under 25	5.25 %	16.59	16.01	13.18	12.60	12.08	11.50	10.50
25 and over	6.00 %	18.96	18.30	15.06	14.40	13.80	13.14	12.00

Claims:

The claim service is processed by Travel Insurance Services, and they will require date of birth certification in addition to documented proof of any and all losses claimed.

Since this is insurance, this is just an overview of the policy to help you make an informed decision. If you elect to accept the insurance coverage on-line, you will receive your policy directly from Travel Insurance Services. If you do not select the insurance on-line, a prospectus / application will be supplied with your deposit receipt, which, when submitted in compliance with the requirements outlined above to Travel Insurance Services will result in the issuance of your policy showing the coverage purchased.

**less any RMA credit that is due.