On February 23, 2022, Russia invaded Ukraine. Spinnaker travel insurance policies exclude coverage for war (whether declared or not) or acts of war. The US
Tropical Storm Sam became Hurricane Sam overnight on September 23, 2021, and is now a known event. In order for travel insurance coverage to be
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
FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.
ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.
CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
COLORADO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.
DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.
FLORIDA: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.
IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.
KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.
KENTUCKY:
Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.
Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.
MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.
MARYLAND: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
MINNESOTA: A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.
NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.
NEW JERSEY:
Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.
Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.
PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.
OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.
TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.
TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
NEW YORK*: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.
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 |
| Medical and Emergency Expenses | 10,000,000 (excess 250) |
| Hospital Benefit | 25 per day, maximum 100 |
| Personal Accident | 50,000 as standard, optional increase up to 250,000 |
| Baggage Loss or Delay | 2,000 as standard, optional increase up to 10,000 |
| Personal Money and Passport | 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 per person, 100 per family) |
|
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:
|
|
