Travel Protection Insurance

Travel Protection Insurance

RegentCruises.com - Travel Protection Insurance.

RegentCruises.com highly recommends Travel Protection Insurance. 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. Read more about Travel Protection Insurance below:

Travel Protection FAQ's
Should I buy travel insurance or shouldn't I? Is it worth it? What does it cover? How much does it cost? What if I have to cancel? Everything you need to know about travel insurance. more info...
Travel Protection Coverage and Costs
Travel Protection premiums are based on a set percentage of your total vacation cost, so the price fluctuates up and down as items are added to or deleted from your invoice.more info...
Complete Allianz Vacation Travel Protection Policy
RegentCruises.com is proud to provide Allianz Vacation Travel Protection as an alternative to the cruise line's trip cancellation insurance policies. Click here to read a complete policy. more info...
What could happen? Examples of Real Claims
Here are some real life examples of unforeseen circumstances faced by real Allianz Vacation Travel Protection customers before or during their vacations. more info...

Travel Protection FAQ's

What is 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 to go wrong while you are on your cruise.

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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 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.

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Should I buy Travel Protection?

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.

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What is Regent Seven Seas Cruises Cancellation Policy?

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 up to the scheduled time of departure. For all air-inclusive cruise or cruisetour packages cancelled after receipt of the airline ticket, refunds will be processed after the return of the airline ticket. The following charges will apply to cancellations received as follows:

Cruises 14 Nights or Less
From date of deposit to 121 days prior to vacation date: $100 per person booking administration fee. This admin fee may be converted to a future cruise credit redeemable on bookings made up to 12 months after cancellation and for travel any time.

  • 120-91 days prior to vacation date: 15% of cruise fare per person
  • 90-61 days prior to vacation date: 50% of cruise fare per person
  • 60-31 days prior to vacation date: 75% of cruise fare per person
  • 30-0 days prior to vacation date: 100% of cruise fare per person

Cruises 15 Nights or Greater
From date of deposit to 151 days prior to vacation date: $100 per person administration fee. This admin fee may be converted to a future cruise credit redeemable on bookings made up to 12 months after cancellation and for travel any time.

  • 150-121 days prior to vacation date: 25% of cruise fare per person
  • 120-91 days prior to vacation date: 50% of cruise fare per person
  • 90-76 days prior to vacation date: 75% of cruise fare per person
  • 75-0 days prior to vacation date: 100% of cruise fare per person

Cancellation of Ancillary Items

  • Pre-and Post -Cruise Hotel Packages Within 45 days prior to departure: 100% fee
  • Pre-and Post -Cruise Land Packages Within 60 days prior to departure: 100% fee
  • Pre-Bookable Adventures Ashore/Overland Programs Within 45 days prior to departure: 100% fee
  • Regent Choice Shore Excursions Within 36 hours of tour departure: 100% fee
  • Private Transfers 4 days prior to transfer: 100% fee
  • Destination Service Fee On payment of fee: 100% fee
  • Airfare Within 60 days prior to departure: 100% fee
  • Air Supplemental Fee when confirmed: 100% fee

Reservation Changes: Regent Seven Seas does not allow name changes after the deposit has been received. A new reservation will be made and will be subject to the new terms and conditions that are applicable at the time of booking. The existing reservation will be cancelled and will be assessed the applicable cancellation fees.

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What does a Travel Protection Policy include?

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.

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What does Travel Protection cover and not cover?

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.

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What is considered a "pre-existing" condition?

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.

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Does travel protection cover a pre-existing medical condition?

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

Allianz 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.

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What happens if I get sick or hurt while I'm on the trip?

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.

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Where can I obtain Travel Protection?

RegentCruises.com offers Allianz 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.

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How much does Travel Protection Insurance cost?

Travel protection premiums can be priced in a variety of ways and may depend on one or more of the following factors:

  • Set percentage of the total vacation cost
  • Length of the cruise
  • Cabin price including port charges, taxes and fees

RegentCruises.com's Allianz Vacation Travel Protection is based on a set percentage, no more than 7.5 percent of the total vacation cost, so the price fluctuates up and down as items are added to or deleted from your invoice. Complete policy information is available on this website for your convenience.

Regent Seven Seas Cruises prices its RegentCare Guest Protection Plan premiums based on the length of the cruise and a calculated percentage, approximately 20 percent, of the total vacation cost.

For more information on travel protection premiums, please contact your RegentCruises.com Cruise Expert.

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Is there an alternative to Regent Seven Seas' Insurance?

RegentCruises.com is proud to represent Allianz Travel Insurance, who offers a number of benefits not covered by the cruise line's insurance, including:

Affordability
The premium amounts are often less than those being charged by Regent Seven Seas Cruises. Our plan also offers reimbursement for cancellations due to a pre-existing medical condition.

Cover Other Travel Products
Allianz Travel Insurance covers all travel products, such as airline reservations, hotel stays or rental car reservations, as long as the total cost of your vacation was factored into the premium for the insurance.

Pre-existing Medical Conditions Waiver
The waiver is included at no additional cost to you, and all non-refundable trips 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.

$500,000 per person for Emergency Evacuation Expenses
Emergency Evacuation Transportation can be very expensive. Allianz Travel Insurance provides up to $500,000 per person for medically necessary transportation to the nearest appropriate facility. This also covers the cost of your transportation back home after treatment.

Money-back Guarantee
Allianz Travel Insurance will refund your insurance premium if you cancel your insurance within 10 days of purchase and have not filed a claim or departed on your trip.

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When do I have to buy travel protection?

We recommend purchasing travel protection at the time of booking if you are making full and final payment on your cruise. To receive the benefit of the pre-existing medical conditions waiver, you must purchase travel protection on or before the date of final payment.

If you have elected to purchase travel protection through Regent Seven Seas Cruises, you must include the premium amount with your final payment.

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Who can buy Travel Protection?

RegentCruises.coms Allianz Travel Protection plan is available to persons whose primary residence is in the United States or Canada.

RegentCare Guest Travel Protection Plan, offered through Regent Seven Seas Cruises, is available to citizens of all countries (except Puerto Rico due to local regulations) who purchased through a U.S. based travel agency.

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What if I have to cancel and file a claim?

If you become ill or injured, first see a doctor. Then if you find that you need to cancel, contact RegentCruises.com immediately. We will speak to Regent Seven Seas Cruises on your behalf, cancel your cruise, and advise you on what to do next. Whenever possible, we will request the necessary forms to assist you in beginning the claims procedure. You must complete the appropriate forms and return them to the insurance company with documentation to support your claim, so it's important to have visited the doctor first.

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How do I make a decision about Travel Protection?

First, learn Regent Seven Seas cancellation and refund policy so that you know what the penalties are and when they go into effect. Next, take a look at what insurance coverage you may already have in place and decide if it is adequate for you. Take the time to compare Regents policy against RegentCruises.com's Allianz Vacation Travel Protection Plan so that you can make an informed decision about which one is best for you.

Contact the insurance company directly if you have specific coverage questions. At RegentCruises.com we are happy to assist you in understanding the general provisions of a travel protection policy, but are unable to actually determine how those provisions will apply to your personal situation.

If you are undecided, purchase travel protection. Before you think that nothing can happen to you, consider that 80 percent of those who cancel their vacation do so because of a medical emergency. Remember, travel protection is the only way to get your money back!

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What else can I do to increase my chances of a trouble-free vacation?

In addition to purchasing travel protection, consider flying to the city of embarkation a day prior to the sailing date. This will help offset weather or airline mechanical delays, and you'll arrive on board your cruise more rested. This is especially important if you are traveling internationally or across several time zones.

Make sure all of your baggage is clearly labeled. Consider keeping a separate, written inventory of all the items you are taking with you including cameras, jewelry, clothing, etc as well as their approximate values and descriptions. If you do have something that is lost or stolen, it could be easier to locate if you have this information. Additionally, it ensures that you do not forget to file a claim for something.

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How can I learn more about my policy?

You will receive a comprehensive Travel Protection Booklet with your payment or with your cruise documents. You can also read about the policies on our website. For RegentCruises.coms Allianz Travel Protection, please click here. For RegentCare Guest Protection Program, please click here.

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What if I have problems during my trip?

Your Travel Protection Policy will include both a U.S. and International 24-Hour Emergency Telephone Number to call in the unlikely event you experience a problem during your trip. Please document everything carefully. This includes date, time, names, supervisor names, locations, stores, facilities, phone numbers, people you spoke with, etc. Be sure to save all receipts and keep them organized so that you can file your claim later. The more thorough you are, the quicker your claim will be processed.

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If I must cancel, when will I get my refund?

When you cancel, you must begin filing a claim with the travel insurance company. This involves paperwork. If you had to cancel for medical reasons, you will be expected to provide proof from physicians. If you experience travel delays or lost baggage, you'll be expected to provide copies of all receipts for expenses as well as a summary of events and actions taken to resolve your issues.

Upon reviewing all of the material you submit and upon approval, the insurance company will send your reimbursement check within 30 - 60 days.

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What if I have more questions?

If you have more questions about either RegentCruises.coms Allianz Travel Protection or the cruise lines RegentCare Guest Protection Program, please call RegentCruises.com directly or call 1-800-554-9839.

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Coverage and Costs - Allianz Travel Insurnace

Protect Your Vacation Investment
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 Allianz 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 reasonsal)

In addition, RegentCruises.coms Allianz Vacation Travel Protection covers:

  • Existing medical conditions: all non-refundable trips 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.

Cost

The insurance premium is based on 8% 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.

24-Hour Emergency Assistance Services

Allianz Vacation Travel Protection 24-Hour Emergency Hotline 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 insureds state. Allianz Global Assistance and Allianz 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 producers expenses, volume of business, or profitability. The purchaser may request and obtain information about the producers compensation, except as otherwise provided by law.
Utah Residents: We are doing business in Utah as Allianz Global Assistance Insurance Agency.

Plan may not be available in all jurisdictions.

Coverage and Costs - RegentCare Guest Travel Protection Plam

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

Cost

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 youre 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.

24-Hour Emergency Assistance Services

RegentCares 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 oG94493), 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 sates 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.

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Allianz Vacation Travel Protection Policy

Download Allianz Vacation Travel Protection Policy

Download Policy

RegentCruises.com is proud to offer Allianz Vacation Travel Protection as a comprehensive and affordable alternative to the Regent Seven Seas' insurance. Allianzs Travel Insurance and travel assistance services provide everything you need to protect your investment and travel with confidence.

To download and print RegentCruises.com's sample Allianz Vacation Travel Protection Policy please click the image or the link on the right. You must have Adobe(r) Reader(r) installed to view this document.

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

RegentCare Guest Travel Protection Plan

Download RegentCare Guest Travel Protection Plan

Download Policy

Regent Seven Seas Cruises wants to ensure that your Regent vacation is not only exceptional, but also that you have coverage while traveling. Thats why they offer the RegentCare Guest Travel Protection Plan. It is the easy and affordable way to recoup your vacation investment should you need to cancel your trip for a covered reason and to mitigate losses due to unexpected occurrences and expenses while traveling.

To download and print Regent Seven Seas sample RegentCare Guest Travel Protection Plan please click the image or the link on the right. You must have Adobe(r) Reader(r) installed to view this document.

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

Adobe(r) Reader(r) 6.0 is free software that lets you view and print Adobe Portable Document Format (PDF) files on a variety of devices and operating systems.

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What Could Happen

What could happen? Why trip insurance is so important?
Why are travel insurance and travel assistance services so important? Unforeseen circumstances can force travelers to cancel or postpone their trip and risk losing payments they've made. Below are true stories from actual travelers. Take a minute and read about what could have happened to their vacation investment if they had not purchased trip insurance.

Little one gets sick
A client's 3-year-old daughter developed an ear infection two days before the vacation was to begin. The client had to cancel the trip, but they were in a 100% penalty period with the cruise line, and stood to lose their money. Their entire claim was paid using trip insurance.

Flood damage
Mr. and Mrs. J. live in the Midwest, and their home sustained massive damage due to severe flooding. They cancelled their trip in order to take care of the damage to their house. Their entire claim was covered. (Similarly, Access America has also had clients who had to cancel due to damage from earthquakes, fires and hurricanes.)

Sickness or Injury before Trip
Tom planned a ski trip to Aspen several months in advance. Three weeks before his Aspen trip, he broke his leg at a local ski area. If not for travel insurance, he would have lost his entire trip investment.

Family Emergency back home
On the second day of their 14-day cruise to Europe, Mr. and Mrs. C. and their children received an emergency message that Mr. C.'s mother was critically ill. The family contacted the 24-Hour Emergency Hotline for assistance in making return travel arrangements. The Trip Insurance company assisted them in arranging air tickets to return home. (Their original tickets were highly restrictive and the dates could not be changed.) Because they missed most of their trip, the Trip Interruption clause covered most of their out of pocket expenses and plus the value of the unused trip components.

Medical Evacuation
A couple from Seattle was on an Alaskan cruise when one of them developed a serious medical condition that required emergency transportation to the nearest land-based hospital. The Trip Insurance provider determined that the nearest hospital was inadequate for the patient and flew him to a hospital in Seattle. Insurance covered the cost of the evacuation and also paid all related expenses incurred for getting the client to the nearest adequate medical facility and then transporting him to a hospital near his home, as well as the unused segment of the client's trip.

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