DeVito Departures — Travel Insurance Recommendation & Acknowledgment

Effective Date: October 2, 2026
Revision: This form may be amended or updated from time to time. The version provided at the time of booking applies to that booking unless otherwise required by law.

Strong Recommendation

DeVito Departures strongly recommends that every traveler consider purchasing comprehensive travel insurance for every trip. Travel insurance may provide protection for events that can result in substantial financial loss, including:

• Trip cancellation or interruption;
• Medical emergencies while traveling;
• Emergency medical transportation or evacuation;
• Baggage loss, theft, or delay;
• Supplier default or insolvency, where covered by the policy;
• Severe weather and other travel delays; and
• Missed connections.

Many travel costs consist of non-refundable deposits, payments, and supplier penalties. These amounts may not be recoverable if a traveler cancels or a trip is interrupted. Please review the separate DeVito Departures Cancellation & Refund Policy and the applicable supplier terms before making payment. In many situations, travel insurance may be the only available means of recovering some or all of those non-refundable amounts.

Medical Coverage

Medicare and most domestic health insurance plans generally provide limited or no coverage for medical treatment outside the United States. Emergency medical care, hospitalization, transportation, and evacuation abroad can be extremely expensive without appropriate insurance.

Travelers should carefully evaluate whether a policy provides adequate emergency medical, medical evacuation, repatriation, and related coverage for the destination and activities planned. Coverage, limits, exclusions, and eligibility requirements vary by insurer and policy.

Timing and Types of Coverage

Travel insurance should generally be purchased promptly after the initial trip deposit or payment. Certain benefits and waivers—especially waivers of pre-existing condition exclusions—may require purchase within a short period, often 14–21 days after the initial trip deposit. The applicable deadline varies by insurer and policy.

Basic trip cancellation coverage generally reimburses covered, prepaid, and non-refundable trip costs when a traveler cancels for a reason specifically listed in the policy, such as certain illnesses, injuries, deaths, or other covered events. It does not usually cover cancellation for every reason.

Cancel For Any Reason ("CFAR") coverage is typically an optional benefit or upgrade to a comprehensive travel insurance policy. CFAR may allow cancellation for a reason that is not otherwise covered, but it usually:

• Must be purchased within a short period after the initial trip deposit, often 14–21 days;
• Requires the traveler to insure all or substantially all eligible prepaid, non-refundable trip costs;
• Requires cancellation a specified number of hours or days before departure; and
• Reimburses only a percentage of eligible prepaid costs, commonly less than the full amount.

CFAR and other benefits are not available under every policy. Travelers must review the insurer's policy documents for the exact purchase deadline, reimbursement percentage, exclusions, and eligibility requirements.

DeVito Departures' Role

DeVito Departures is a travel agency. DeVito Departures is not an insurance company, insurer, insurance broker, or licensed insurance agent. DeVito Departures does not sell, underwrite, or advise on travel insurance, does not determine whether any coverage is adequate for a traveler's circumstances, and does not receive a commission from or have an affiliation with any insurer.

DeVito Departures may provide general information about the potential benefits of travel insurance or, at the client's request, connect the client with an insurance provider. Any insurance purchase is made directly by the client from the insurer or its licensed representative. The insurance policy, not this form, controls all coverage, exclusions, claims, refunds, cancellation rights, and other terms.

Travel insurance is optional and is not required to purchase travel services from DeVito Departures. A client's decision to decline travel insurance will not affect the availability or price of travel services, except as otherwise stated in applicable supplier terms.

Client Election

Please select one option:

• YES — I would like information about travel insurance options and/or to be connected with an insurance provider. I understand that DeVito Departures does not recommend or select insurance coverage for me, and I must review the insurer's policy documents and consult the insurer or its licensed representative with questions.

• NO — I decline travel insurance. I understand the risks described below and choose not to purchase travel insurance at this time.

Acknowledgment If Coverage Is Declined

By selecting "No," I acknowledge and understand that I am choosing to bear all risks associated with declining travel insurance, including the risk of:

• Cancellation penalties and forfeiture of non-refundable deposits or payments;
• Losses caused by trip interruption, delays, missed connections, or supplier default;
• Uncovered medical treatment, hospitalization, or evacuation expenses;
• Baggage loss, theft, or delay; and
• Any other loss or expense not reimbursed by a supplier or another source.

I understand that DeVito Departures has strongly recommended that I consider comprehensive travel insurance. I further understand that DeVito Departures is not responsible for losses, expenses, or damages that could have been covered by travel insurance, and I agree not to hold DeVito Departures responsible for my decision to decline coverage, to the extent permitted by law.

Traveler Information

Lead Traveler's Printed Name: [____________________________________________]

Booking or Reservation Number: [___________________________________________]

Destination: [____________________________________________________________]

Departure Date: [________________________]

Initial Trip Deposit or Payment Date: [________________________]

Signature

By signing below, I confirm that I have read and understand this Travel Insurance Recommendation & Acknowledgment. I understand that insurance coverage is governed solely by the applicable insurer's policy documents and that I am responsible for purchasing coverage promptly if I choose to do so.

Lead Traveler's Signature: [_______________________________________________]

Date: [________________________]

DeVito Departures Representative: [________________________________________]

Date: [________________________]

Important Notice

This document is provided for general informational purposes and is not legal, insurance, medical, or financial advice. DeVito Departures recommends that clients review the applicable insurance policy documents and consider having this document reviewed by a licensed attorney before relying on it.

DeVito Departures
Phone: 201-932-0401
Email: nikolas.devito@devitodepartures.com
Website: www.devitodepartures.com

Florida Seller of Travel No. FST ST15578 | California Seller of Travel No. 2090937-50 | Washington UBID No. 603189022

Governing Law: State of New Jersey.