EMMA VILLAS CATALOGUE EMMA VILLAS CATALOGUE 2020/2021/2022 | Page 198

All travelers benefit from an insurance policy Europ Assistance, provided by Emma Villas, for the only guarantee
Travel or Lease Cancellation Expenses Insurance.
TRAVEL OR LEASE CANCELLATION EXPENSES INSURANCE
If the Insured Party should need to cancel or alter the trip booked, for reasons or events that can objectively be
documented and could not be foreseen at the time of booking, affecting:
-
the Insured Party him/herself directly and/or his/her Family Members;
-
the joint-owner of the associated firm/business directly;
-
the Insured Party indirectly, resulting in the entire trip no longer having its original purpose;
Europ Assistance refunds the penalty applied per contract terms and conditions by a tour operator or an air or sea
carrier:
-
to the Insured Party
and, as long as they are insured and registered in the same travel file:
-
to live-in family members;
-
to one travel companion.
If several Insured Parties are registered to travel together at the same time, in the absence of any other persons of
the same household living with the Insured Party, the latter shall specify
only one person as Travel Companion.
EXCLUSIONS
The guarantee excludes cases of renunciation caused by:
a.
misconduct on the part of the Insured Party;
b.
causes that are not medical in nature, could be foreseen and/or were known to the Insured Party at the
time of booking;
c.
situations of armed conflict, invasion, acts by foreign enemies, hostilities, war, strikes, uprisings, popular
tumult, acts of terrorism, earthquakes, volcanic eruptions, atmospheric phenomena classed as natural disasters,
atom nucleus transmutation, radiation caused by the artificial acceleration of atomic particles;
d.
bankruptcy of the Carrier or Travel Agency or Organiser;
e.
epidemics classed as pandemics, of such a severity and virulence as to entail a high level of mortality or to
require restrictive measures in order to reduce the risk of transmission to the civil population, quarantine;
f.
causes or events that cannot objectively be documented;
g.
deposits and/or advances that are not justified by penalty tax documents;
h.
failure by the Insured Party to send the communication (pursuant to the section OBLIGATIONS OF THE
INSURED PARTY IN THE EVENT OF A CLAIM) before the travel/stay start date, except for cases of cancellation caused
by death or hospitalisation of at least 24 consecutive hours (excluding day hospital and accident & emergency) of a
family member.
OBLIGATIONS OF THE INSURED PARTY IN THE EVENT OF A CLAIM
In the event of a change and/or forced renunciation of travel, the Insured Party must:
-
inform the travel organisation or agency or carrier of his/her formal renunciation of the travel;
-
make a declaration within 3 days of the onset of the cause of the renunciation and in any case by the
travel start date if the terms of 3 days fall after the travel start date. The claim may be filed by accessing the portal
https://sinistrionline.europassistance.it and following the instructions (or accessing the website directly at www.
europassistance.it - Claims section) or by writing to Europ Assistance – Ufficio Liquidazione Sinistri (Annullamento
Viaggio) [Claims Liquidation Office (Travel Cancellation)] – Piazza Trento, 8 20135 Milan, Italy, providing the following
information:
-
first name, last name, address, telephone number, tax code;
-
policy number;
-
the reason for the cancellation or change;
- place at which the Insured Party or persons causing the cancellation (family member, joint-owner of the associated
firm/business) can be contacted;
If the renunciation and/or change is caused by illness and/or injury, the declaration must specify:
-
type of pathology;
-
pathology start and end.
Within 15 days of the above declaration, the Insured Party must also provide Europ Assistance with the following
documents:
-
original documentation able to provide objective proof of the cause of renunciation/change;
-
documentation showing the connection between the Insured Party and any party causing the
renunciation;
-
in the event of illness or injury, medical certificate stating the date of the injury or onset of the illness, the
specific diagnosis and days’ prognosis;
-
in the event of hospitalisation, a complete copy of the clinical record;
-
travel registration card or similar document;
-
receipts (deposit, balance, penalty) of payment of the travel or rental;
-
statement of booking confirmation;
-
invoice in relation to the penalty charged;
-
travel regulation and programme;
-
travel documents (visas, etc.);
-
travel booking contract.
If a penalty is charged by the airline carrier/shipping company:
-
confirmation of purchase of ticket or similar document;
-
receipt of ticket payment;
-
declaration of the airline carrier/shipping company certifying the penalty charged or refund notice;
-
copy of the cancelled air or ship tickets documenting the amounts charged to the customer;
without prejudice to the Company’s right to request that all of the above listed documentation be sent by mail.
Europ Assistance may request further documentation at a later date, in order to settle the claim; in this case, the
Insured Party must supply it.
Breach of the obligations relating to the declaration of the claim may result in the loss of a right to indemnity, in
accordance with art. 1915 of the Italian Civil Code.
CRITERIA FOR LIQUIDATION OF THE DAMAGES
The penalty charged against the Insured Party will be reimbursed in full, including file management fees, agency
fees, fuel adjustments and visas (excluding, in the event of the purchase of only a flight ticket, airport taxes that can
be reimbursed by the airline) up to the maximum cover stated in the Policy Form. This maximum amount may not
exceed Euro 10,000.00 per Insured Party and Euro 50,000.00 per travel file.
Excess and liquidation criteria:
Europ Assistance reimburses the cancellation penalty:
1.
In the event of a change and/or forced renunciation of travel caused by hospitalisation (excluding day
hospital and accident & emergency) or death; the penalty will be reimbursed without applying any excess.
2.
In the event of renunciation and/or change not caused by hospitalisation or death, the penalty will be
reimbursed with the application of an excess equal to 20% of the total cost of the penalty, with a minimum of Euro
70.00 per policy.
3.
In the event of a change and/or renunciation of the air ticket only, not caused by hospitalisation ( excluding
day hospital and accident & emergency) or death, the penalty will be reimbursed with application of an excess of
20% with a minimum of Euro 20.00 per policy.
It is agreed that the calculation of the reimbursement will be equivalent to the percentages of penalties existing as
at the date on which the event took place (Art. 1914 of the Italian Civil Code). Therefore, if the Insured Party should
cancel travel after the event, any greater penalty will be at his/her expense.
In the event of illness or injury, Europ Assistance reserves the right to send its own doctor to certify that the conditions
of the Insured Party are such as to prevent his/her travel.
PROFESSIONAL SECRECY
The Insured Party releases any doctors, who may be appointed to examine the claim and who examined him before
or after the claim, from constraints to professional secrecy with regards to Europ Assistance.
EFFECTIVE DATE AND DURATION OF COVERAGE
The guarantee “Cancellation of travel and rental” runs from midnight on the day on which the stay/rental is booked
and shall remain in force until the envisaged arrival at the structure booked.
W W W . E M M A V I L L A S . C O M
195