Travel Insurance Policy

Last Updated: January 29, 2025

1. Introduction

Welcome to Bavari Tours. To ensure a safe and enjoyable experience, we offer Travel Insurance to our clients on selected tours. This policy outlines the coverage stated by the insurance provider, your rights, and our responsibilities. By opting for our Travel Insurance, you agree to comply with these Terms and Conditions. If you do not agree with any part of these terms, please refrain from purchasing our services.

2. Description of Services

Bavari Tours acts as an intermediary, facilitating the provision of Travel Insurance through our trusted insurance partners. We manage all aspects related to coverage and claim processes but do not directly provide insurance services. The actual insurance contract is between you and the designated insurance provider.

  • No Direct Operation of Insurance Services: Bavari Tours does not operate or manage the insurance services directly. Our role is limited to facilitating the insurance process.
  • Third-Party Responsibility: All responsibilities regarding the execution, guarantees, and compliance with the insurance terms lie solely with the insurance provider.
3. Coverage

This insurance policy is only available for non-Dominican residents, that is Dominican travelers residing inside Dominican Republic. If you are currently residing locally, please contact us for further details and custom solutions.

Our Travel Insurance includes the following benefits:

3.1 Medical Expenses
  • Ambulatory Medication Costs: Up to USD 500
  • Medical and Hospital Assistance: Up to USD 20,000
  • Pre-existing Condition Medical Assistance: Up to USD 1,500
  • Inpatient Medication Costs: Up to USD 1,000
  • Dental Expenses: Up to USD 1,000
  • Physical Recovery Therapy Costs: Up to USD 500
3.2 Trip Interruption
  • Return on Different Date: Coverage for additional return expenses due to unforeseen events.
  • Fare Difference: Compensation for fare differences when altering travel dates.
3.3 Medical Evacuation/Repatriation
  • Repatriation of Injured or Ill Travelers: Included within Medical and Hospital Assistance limits.
  • Emergency Medical Transfer: Included within Medical and Hospital Assistance limits.
3.4 Accompaniment Travel (Round Trip)
  • Airfare for Companion: Up to USD 600 (USD 100 per day)
  • Accommodation for Companion: Up to USD 600 (USD 100 per day)
3.5 Baggage
  • Delayed or Lost Baggage Compensation (Over 36 Hours): Up to USD 100
  • Baggage Tracking: Included
  • Checked Baggage Loss Compensation: Up to USD 1,500 (USD 50 per kilogram)
  • Repatriation of Mortal Remains: Unlimited coverage
3.6 Personal Accidents
  • Accidental Death: Up to USD 20,000
3.7 Trip Cancellation
  • Trip Cancellation Expenses (Air, Land, or Cruise): Up to USD 2,000
3.8 Assistance Services
  • Concierge Service: Up to USD 100
  • 24-Hour Global Assistance: Included
4. General Conditions
  • Nature of Coverage: This Travel Insurance policy is not a health insurance plan. It provides coverage for specific travel-related risks as outlined in this policy.
  • Policy Validity: Coverage begins upon receipt of the premium payment and continues for the duration specified in your tour booking.
  • Eligibility: Travelers must comply with the eligibility criteria specified in the policy, including age and health requirements.
5. Exclusions

Bavari Tours Travel Insurance is not liable for any claims, damages, or expenses arising from the following:

  • Pre-existing Conditions: Any medical condition known before the policy start date unless specifically covered.
  • Intentional Acts: Injury or loss resulting from intentional self-harm or harm to others.
  • War and Terrorism: Incidents arising from acts of war, terrorism, civil unrest, or military actions.
  • High-Risk Activities: Participation in extreme sports or activities not disclosed at the time of policy purchase.
  • Substance Abuse: Incidents occurring while under the influence of alcohol, drugs, or other substances.
  • Non-Authorized Assistance: Claims arising from services or treatments not authorized by our insurance partner.
  • Baggage Not Declared: Loss or damage to baggage not properly declared at the time of check-in.
  • Travel from Country of Origin: Incidents occurring while traveling from your country of origin are excluded, except for trip cancellation benefits.
  • Other Exclusions: Any other exclusions as detailed in the full policy document provided by the insurance partner.
6. Claims Process

To file a claim, please follow these steps:

  1. Contact Insurance Company Assistance: Reach out to our 24-hour assistance hotline immediately after the incident.
  2. Documentation: Provide all necessary documentation, including medical reports, police reports, and receipts for expenses incurred.
  3. Submission: Submit the completed claim form along with supporting documents within 30 days of the incident.
  4. Review: Our insurance partner will review the claim and notify you of the decision within a reasonable timeframe.
7. Limitation of Liability

Bavari Tours limits its liability to the maximum coverage amounts specified in this policy. Under no circumstances shall Bavari Tours be liable for any indirect, incidental, or consequential damages, including but not limited to loss of income, loss of use, or personal liability. All liabilities regarding the insurance coverage lie solely with the insurance provider.

8. Governing Law and Jurisdiction

This policy is governed by the laws of the Dominican Republic. Any disputes arising from this policy shall be subject to the jurisdiction of the courts in the Dominican Republic.

9. Privacy and Data Protection

We respect your privacy and handle your personal information in accordance with our Privacy Policy. By opting for our Travel Insurance, you agree to the use of your information as outlined in our Privacy Policy.

10. Modifications to Terms and Conditions

Bavari Tours reserves the right to modify these Terms and Conditions at any time. Any changes will be communicated through our platform. Continued use of our services after changes are published constitutes acceptance of the updated terms.

11. Contact Information

If you have any questions or need assistance, please contact us at:

Bavari Tours
WhatsApp: +1 849 506 5006
Email: reservas@bavaritours.com

Disclaimer: This policy summary is provided for informational purposes only and does not constitute a contract. Please refer to the full policy document provided by our insurance partner for comprehensive terms, conditions, exclusions, and limitations.

12. Additional Terms and Conditions
12.1 General Information
  • Not a Health Insurance: This Travel Insurance is not a substitute for health insurance. Please review the contractual conditions carefully to understand your rights and obligations, as well as the insured capital limits for each coverage.
12.2 Insurance Guarantee
  • Policy Activation: To activate the Travel Insurance, the quotation must be completed, and the premium paid. The insurance validity period will be indicated in the issued policy after the insurance contract is finalized.
12.3 Exclusions and Limitations
  • No Liability for Bavari Tours: Bavari Tours is not responsible for the terms, conditions, exclusions, or limitations of the Travel Insurance. Our responsibility is limited to managing the coverage and handling claims with the insurance provider.
12.4 Claims Documentation
  • Required Documents: To process a claim, you must provide all necessary documentation as outlined in the Claims Process section. Failure to provide required documents within the specified timeframe may result in denial of the claim.
12.5 Force Majeure
  • Exclusions Due to Force Majeure: Bavari Tours and the insurance provider are not liable for claims arising from events beyond their control, such as natural disasters, war, or pandemics, unless explicitly covered by the insurance policy.
12.6 Subrogation
  • Insurance Provider Rights: The insurance provider retains the right to subrogate any claims after compensating the insured, pursuing recovery from responsible third parties as applicable.
12.7 Dispute Resolution
  • Arbitration: Any disputes arising from this policy shall be resolved through arbitration in accordance with the laws of the Dominican Republic. The arbitration decision shall be final and binding.

Note: This Travel Insurance Policy is a summary of coverage and does not include all terms, conditions, exclusions, or limitations. Please refer to the full policy document provided by our insurance partner for complete details.