SECTION I SECTION II
PRE-DEPARTURE TRIP CANCELLATION POST DEPARTURE COVERAGE
Travel Protection provided WAIVER
Administered by Travel Insured International
exclusively for This section is not insurance.
It is a service provided by Global Consolidated Services,
USA Inc. Arch Insurance Company assumes no liability for
GLOBAL CONSOLIDATED SERVICES
this service. Please contact GCS, USA Inc. for all questions PROTECTION PLAN
including those related to administration, cancellation notice, T-2228a (2.21.11)
rebooking restrictions, etc.
Master Contract Number: 11TVL4510201
You may cancel your trip up to 72 hours prior to departure for any Underwritten by Arch Insurance Company
reason and you will receive a refund equaling the full amount of all DESCRIPTION OF COVERAGE
payments made, less any Travel Protection Plan Cost and fees. SHORT TERM TRAVEL INSURANCE
Coverage goes into effect on the day the premium is received.
Administered by Coverage must be added within seven (7) days from date of You are not eligible for insurance under the plan until You
original booking. have enrolled for coverage and paid the appropriate
premium and providing You have not already departed on
Notice of cancellation must be made during normal business Your Trip.
hours (9AM to 5:30PM, Monday – Friday and 10AM – 6PM
Saturday, Eastern Time) by calling (800) 495-5220. Notice to residents of WA; This is not Your Description of
Coverage. To obtain Your state-specific insurance policy,
Note: Inside 72 hours prior to travel, full cancellation penalties call 866-684-0218.
will apply. Plan fees are not refundable at any time.
Quality Protection Worldwide
CLAIMS TO BE FILED WITH GLOBAL CONSOLIDATED
SERVICES, USA, INC. 875 SUNRISE HIGHWAY, SCHEDULE OF COVERAGE AND SERVICES
For Medical Assistance while traveling LYNBROOK, NY 11563 Maximum
Call Toll Free: PHONE (800) 495-5220, FAX 516- 881-0106 Listing of Benefits Principle Sum
888-268-2824 Part A-Travel Protection
(Within the United States and Canada) Trip Delay-6 hrs $300($100/day)
Part B- Medical Protection
or Call Collect:
Emergency Accident and Sickness Medical
603-328-1725 Expense $10,000
(From all other locations) Part C-Baggage Protection
Baggage & Personal Effects $500
Limit Per Article $250
Combined Limit – Valuables $500
For questions or to report a claim, contact: Baggage Delay-24 hours $100
Travel Insured International, Inc. Part D- Travel Accident Protection
Accidental Death & Dismemberment $25,000
P.O. Box 280568 Worldwide Assistance Services: Non-Insurance Services
East Hartford, CT 06128-0568 Worldwide Assistance Services Included
Customer Care & Claims
This Description of Coverage describes all of the travel
866-684-0218 insurance benefits, underwritten by Arch Insurance
Company and herein referred to as the Company. The
insurance benefits vary from program to program. Please
Please contact Global Consolidated Services to report refer to the Schedule of Coverage and Service as listed
cancellation of travel plans first, prior to calling Travel Insured above. It provides You with specific information about the
International to report your claim. program You purchased.
T- 2228a (9.19.11) LTP 2007
T- 2228a (9.19.11) | Page 1 of 5
PART A- TRAVEL PROTECTION PART C-BAGGAGE PROTECTION PART D-TRAVEL ACCIDENT PROTECTION
TRIP DELAY: The Company will reimburse You for covered BAGGAGE/PERSONAL EFFECTS: The Company will ACCIDENTAL DEATH AND DISMEMBERMENT: The
expenses on a one-time basis, up to the maximum shown on reimburse You, up to the maximum shown on Your Schedule Company will pay the percentage of the maximum limit
Your Schedule of Coverage and Services, if You are delayed of Coverage and Services, for Loss, theft or damage to shown in the Table of Losses when You, as a result of an
en route to or from the Trip for six (6) or more hours due to a Baggage and personal effects, provided You have taken all Accidental Injury occurring during the Trip, sustain a Loss
Hazard: reasonable measures to protect, save and/or recover Your shown in the Table below. The Loss must occur within 180
Covered expenses Include: property at all times. The Baggage and personal effects days after the date of the Accident causing the Loss.
must be owned by and accompany You during the Trip. The Maximum Limit is shown on Your Schedule of Coverage and
a) Any reasonable additional expenses incurred for Services. If more than one Loss is sustained as the result of an
meals and accommodations limited to $100 per day; This coverage is secondary to any coverage provided by a Accident, the amount payable shall be the largest amount of a
b) An Economy Fare from the point where You ended Common Carrier and all other valid and collectible insurance sustained Loss shown in the Table of Losses.
Your Trip to a destination where You can catch up to indemnity and shall apply only when such other benefits are
the Trip; or a one-way Economy Fare to return You exhausted. TABLE OF LOSSES
to Your originally scheduled return destination. There will be a per article limit shown on Your Schedule of Percentage of
c) Reasonable additional transportation expenses. Coverage and Services. Loss of: Principal Sum:
PART B-MEDICAL PROTECTION There will be a combined maximum limit shown on Your Life 100%
Schedule of Coverage and Services for the following: jewelry;
EMERGENCY ACCIDENT AND SICKNESS MEDICAL watches; articles consisting in whole or in part of silver, gold or Both hands or both feet 100%
EXPENSE: The Company will pay benefits up to the platinum; furs; articles trimmed with or made mostly of fur; Sight of both eyes 100%
maximum shown on Your Schedule of Coverage and sporting equipment, Ski Equipment, personal computers, radios, One hand and one foot 100%
Services, for Covered Medical Expenses as a result of cameras, camcorders and their accessories and related
Emergency Treatment of an Accidental Injury which occurs equipment and other electronic items. Either hand or foot and sight of one eye 100%
while on Your Trip or a Sickness which first manifests itself Either hand or foot 50%
during the Trip. The Company will also reimburse You for charges and
Emergency Treatment means necessary medical treatment, interest incurred due to unauthorized use of Your credit Sight of one eye 50%
including services and supplies, which must be performed cards if such use occurs during Your Trip and if You have
Speech and hearing in both ears 100%
during the Trip due to the serious and acute nature of the complied with all credit card conditions imposed by the credit
Injury or Sickness. card companies. Speech 50%
Covered Medical Expenses are necessary services and Hearing in both ears 50%
The Company will reimburse You for fees associated with
supplies which are recommended by the attending the replacement of Your passport during Your trip. Receipts Thumb and index finger of same hand 25%
Physician. They include but are not limited to: are required for reimbursement.
(a) The services of a Physician; "Loss" with regard to:
(b) Charges for Hospital confinement and use of The Company will pay the lesser of the following: 1) Hand or foot, means actual complete severance
operating rooms; through and above the wrist or ankle joints; and
a) Actual Cash Value at time of Loss, theft or damage 2) Eye means an entire and irrecoverable Loss of sight;
(c) Charges for anesthetics (including administration); x- to Baggage and personal effects, less depreciation
ray examinations or treatments, and laboratory tests; and
as determined by the Company. 3) Speech or hearing means entire and irrecoverable
(d) Ambulance service; and b) The cost of repair or replacement.
(e) Drugs, medicines, prosthetics and therapeutic Loss of speech or hearing of both ears; and
services and supplies. 4) Thumb and index finger means actual severance
BAGGAGE DELAY (OUTWARD JOURNEY ONLY): The through or above the joint that meets the finger at the
Company will reimburse You for the expense of necessary palm.
The Company will not pay benefits in excess of the personal effects, up to the maximum shown on Your
reasonable and customary charges. Reasonable and Schedule of Coverage and Services, if Your Checked
customary charges means charges commonly used by Exposure:
Baggage is delayed or misdirected by a Common Carrier for The Company will pay benefits for covered Losses which
Physicians in the locality in which care is furnished. The more than twenty four (24) hours, while on a Trip, except for
Company will not cover any expenses provided by another result from You being unavoidably exposed to the elements
travel to final destination or place of residence. due to an Accident of an air conveyance operated under a
party at no cost to You or already included within the cost of You must be a ticketed passenger on a Common Carrier.
the Trip. license for the transportation of passengers for hire during
Additionally, all claims must be verified by the Common the Trip. The Loss must occur within 365 days after the
The Company will advance payment to a Hospital, up to the Carrier who must certify the delay or misdirection and event which caused the exposure.
maximum shown on the Schedule of Coverage and receipts for the purchases must accompany any claim.
Services, if needed to secure Your admission to a Hospital Disappearance:
because of Accidental Injury or Sickness. The Company will pay benefits for Loss of life if Your body
cannot be located one year after Your disappearance due to
The Company will pay benefits, up to $750.00, for forced landing, stranding, sinking, or wrecking of an air
emergency dental treatment for Accidental Injury to sound conveyance operated under a license for the transportation
natural teeth. of passengers for hire during the Trip in which You were a
T- 2228a (9.19.11) | Page 2 of 5
WORLDWIDE ASSISTANCE SERVICES: the day to day management of the business. f) Is not, except incidentally, a clinic, nursing home, rest
8) “Checked Baggage” means a piece of Baggage for home, or convalescent home for the aged, or similar
NON-INSURANCE SERVICES which a claim check has been issued to You by a Common institution.
The Travel Assistance feature provides a variety of travel Carrier. 22) “Inclement Weather” means any severe weather
related services. Services offered include: 9) “City” means an incorporated municipality having condition which delays the scheduled arrival or departure of
• Medical Evacuation • Medically Necessary Repatriation defined borders and does not include the high seas, a Common Carrier.
• Repatriation of Remains • Medical or Legal Referral uninhabited areas, or airspace. 23) “Injury” means Bodily Injury caused by an Accident
10) “Common Carrier” means any regularly scheduled occurring while this policy is in force, and resulting directly
• Hospital Admission Guarantee • Translation Service land, sea, and/or air conveyance operating under a valid and independently of all other causes of Loss covered by the
• Lost Baggage Retrieval • Inoculation Information license for the transportation of passengers for hire. policy. The Injury must be verified by a Physician and
• Passport / Visa information •Emergency Cash Advance 11) "Company" means Arch Insurance Company. require emergency care.
• Prescription Drug / Eyeglass Replacement • Bail Bond 12) “Complication of Pregnancy” means a condition 24) "Insured" means a person covered under the policy and
whose diagnosis is distinct from pregnancy but is adversely for whom the required premium is paid. Insured also means
Payment reimbursement to the Assistance Company is Your affected or caused by pregnancy. "You or Your".
responsibility. 13) “Covered Expenses” shall mean expenses incurred by 25) "Land/Sea Arrangements” means land and or sea
You which are for medically necessary services, supplies, arrangements made by the Travel Supplier.
24-Hour Emergency Assistance care, or treatment; due to illness or Injury; prescribed, 26) “Loss” means Injury or damage sustained by You as a
performed or ordered by a Physician; reasonable and result of one or more of the occurrences against which the
Telephone Numbers customary charges; incurred while insured under this policy; Company has undertaken to indemnify You.
For travel assistance services only: and which do not exceed the maximum limits shown in the 27) “Maximum Benefit” means the largest total amount of
CALL TOLL FREE: 888-268-2824 Schedule of Coverage and Services, under each stated Covered Expenses that the Company will pay for You.
(Within the United States and Canada) benefit. 28) “Medically Necessary” means that a treatment,
OR CALL COLLECT: 603-328-1725 14) “Cruise” means any prepaid sea arrangements. service, or supply is: (1) is essential for diagnosis, treatment
(From all other locations) 15) “Dependent Child(ren)” means Your children, or care of the Injury or Sickness for which it is prescribed or
including an unmarried child, stepchild, legally adopted child performed; (2) meets generally accepted standards of
Be sure to use the appropriate country or foster child who is: (1) less than age 19 and primarily medical practice; and (3) is ordered by a Physician and
and city codes when calling. dependent on You for support and maintenance; or (2) who performed under his or her care, supervision or order.
- KEEP THESE NUMBERS WITH YOU is at least age 19 but less than age 23 and who regularly 29) “Natural Disaster” means flood, fire, hurricane, tornado,
WHEN YOU TRAVEL- attends an accredited school or college; and who is primarily earthquake, volcanic eruption, blizzard or avalanche that is
dependent on You for support and maintenance. due to natural causes.
Travel assistance services are provided by an independent 16) “Domestic Partner” means a person, at least 18 years 30) “Physician” means a licensed practitioner of medical,
organization and not by Arch Insurance Company or Travel of age, with whom You have been living in a spousal surgical or dental services acting within the scope of his/her
Insured International. There may be times when relationship with evidence of cohabitation for at least 10 license and shall include Christian Science Practitioners.
circumstances beyond the Assistance Company’s control continuous months prior to the Effective Date of coverage. The treating Physician may not be You, a Traveling
hinder their endeavors to provide travel assistance services. 17) "Economy Fare" means the lowest published rate for a Companion or a Family Member.
They will, however, make all reasonable efforts to provide one-way ticket. 31) “Pre-Existing Condition” means any Injury, Sickness
travel assistance services and help you resolve your 18) “Effective Date” means the date and time Your or condition of You, a Traveling Companion or Your and/or
emergency situation. coverage begins, as outlined in the General Provisions Your Traveling Companion’s Family Member for which
section of the policy. medical advice, diagnosis, care or treatment was
19) “Family Member" means You or Your Traveling recommended or received within the 180 day period ending
DEFINITIONS Companion's legal or common law spouse, Domestic on the Effective Date. Sicknesses or conditions are not
1) "Accident" means a sudden, unexpected, unusual, Partner, parent, legal guardian, step-parent, grandparent, considered pre-existing if the Sickness or condition for which
specific event which occurs at an identifiable time and place, parents-in-law, grandchild, natural or adopted child, foster prescribed drugs or medicine is taken remains controlled
but shall also include exposure resulting from a mishap to a child, ward, step-child, children-in-law, brother, sister, step- without any change in the required prescription.
conveyance in which You are traveling. brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, 32) "Scheduled Departure Date" means the date on which
2) "Accidental Injury" means Bodily Injury caused by an niece or nephew. You are originally scheduled to leave on the Trip.
Accident (of external origin) being the direct and 20) “Hazard” means: 33) "Scheduled Return Date" means the date on which
independent cause in the Loss. a) Any delay of a Common Carrier (including Inclement You are originally scheduled to return to the point of origin or
3) “Actual Cash Value” means purchase price less Weather). to a different final destination.
depreciation. b) Any delay by a traffic Accident en route to a departure, in 34) "Sickness" means an illness or disease which is
4) “Assistance Company” means the service provider which You or Your Traveling Companion are directly or not diagnosed or treated by a Physician after the Effective Date
with which the Company has contracted to coordinate and directly involved. of insurance and while You are covered under the policy.
deliver emergency travel assistance, medical evacuation, c) Any delay due to lost or stolen passports, travel 35) “Ski Equipment” means skis, ski poles, ski bindings, ski
and repatriation. documents or money, quarantine, hijacking, unannounced boots, snowboards, snowboard bindings, snowboard boots,
5) “Baggage” means luggage and personal possessions, Strike, Natural Disaster. snowblades and any other recognized snow sports
whether owned, borrowed, or rented, taken by You on the 21) "Hospital" means a facility that: equipment.
Trip. a) Holds a valid license if it is required by the law; 36) “Strike” means any unannounced labor disagreement
6) "Bodily Injury" means identifiable physical Injury which: b) Operates primarily for the care and treatment of sick or that interferes with the normal departure and arrival of a
(a) is caused by an Accident, and (b) solely and injured persons as in-patients; Common Carrier.
independently of any other cause, except illness resulting c) Has a staff of one or more Physicians available at all 37) “Terrorist Attack” means an incident deemed an act of
from, or medical or surgical treatment rendered necessary times; terrorism by the U.S. Government.
by such Injury, is the direct cause of death or d) Provides 24 hour nursing service and has at least one 38) "Traveling Companion" means a person who is sharing
dismemberment of You within twelve months from the date registered professional nurse on duty or call; travel arrangements with You. Note, a group or tour leader is
of the Accident. e) Has organized diagnostic and surgical facilities, either on not considered a Traveling Companion unless You are
7) “Business Partner" means an individual who: (a) is the premises or in facilities available to the hospital on a sharing room accommodations with the group or tour leader.
involved in a legal partnership; and (b) is actively involved in pre-arranged basis; and 39) "Travel Supplier" means tour operator, Cruise line,
T- 2228a (9.19.11) | Page 3 of 5
hotel etc. who has made the Land and/or Sea arrangements. CLAIMS PROCEDURE AND PAYMENT OF be sent to the Company’s administrative office, at the
40) "Trip" means prepaid Land/Sea Arrangements and shall address shown on the cover page of the policy, or to the
include flight connections to join or depart such Land/Sea CLAIMS Company's designated representative.
Arrangements provided such flights are scheduled to PROOF OF LOSS. The Claimant must send the Company,
commence within one week of the Land/Sea Arrangements. Please contact Global Consolidated Services to report or its designated representative, proof of Loss within ninety
41) "Unforeseen" means not anticipated or expected and cancellation of travel plans first, prior to calling Travel Insured (90) days after a covered Loss occurs or as soon as
occurring after the Effective Date of the policy. International to report your claim. reasonably possible.
42) “Used” means to avail oneself of, to employ, to expend The following provisions apply to Baggage/Personal
or consume, or to convert to one’s service. To facilitate prompt claims settlement: Effects coverage:
TRIP DELAY: Obtain any specific dated documentation, NOTICE OF LOSS. If Your property is covered under the
which provides proof of the reason for delay (airline or policy is lost, stolen or damaged, You must:
LIMITATIONS AND EXCLUSIONS Cruise line forms, medical statements, etc). a) Notify the Company, or its authorized
Submit this documentation along with Your Trip itinerary and representative as soon as possible;
Excess Insurance Limitation: The insurance provided all receipts from additional expenses incurred. b) Take immediate steps to protect, save and/or
MEDICAL EXPENSES: Obtain receipts from the providers recover the covered property;
under Parts A, B and C shall be in excess of all other valid of service, etc., stating the amount paid and listing the
and collectible insurance or indemnity and shall apply c) Give immediate notice to the carrier or bailee who is or
diagnosis and treatment; submit these first to other medical may be liable for the Loss or damage;
when such other benefits are exhausted. plans. Provide a copy of their final disposition of Your claim. d) Notify the police or other authority in the case of robbery
BAGGAGE: Obtain a statement from the Common Carrier or theft within twenty-four (24) hours.
The following exclusions apply. This policy does not cover that Your Baggage was delayed or a police report showing PROOF OF LOSS. You must furnish the Company, or its
Loss caused by or resulting from: Your Baggage was stolen along with copies of receipts for designated representative, with proof of Loss. This must be a
Your purchases. detailed statement. It must be filed with the Company, or its
1. Pre-Existing Conditions as defined in the Definitions For questions regarding Your plan or to receive a claim form, designated representative within ninety (90) days from the date
section; contact TII, or send Your name, address, travel dates, of Loss. Failure to comply with these conditions shall invalidate
2. Suicide, attempted suicide or any intentionally self-inflicted booking number and details of Your Loss within 30 days to: any claims under the policy.
Injury while sane or insane (in Missouri, sane only) SETTLEMENT OF LOSS. Claims for damage and/or
committed by You, Your Traveling Companion, or Family Travel Insured International, Inc. destruction shall be paid after acceptable proof of the
Member whether insured or not; P.O. Box 280568 damage and/or destruction is presented to the Company and
3. War, invasion, acts of foreign enemies, hostilities between East Hartford, CT 06128-0568 the Company has determined the claim is covered. Claims
nations (whether declared or not), civil war; 866-684-0218 for lost property will be paid after the lapse of a reasonable
4. Participation in any military maneuver or training exercise; (Weekdays 7:45am – 5:30pm EST) time if the property has not been recovered. You must
5. Piloting or learning to pilot or acting as a member of the present acceptable proof of Loss and the value involved to
crew of any aircraft; The Company, or its designated representative, will pay a claim the Company.
6. Dental treatment except as a result of Accidental Injury to after receipt of acceptable proof of Loss. Benefits for Loss of life VALUATION. The Company will not pay more than the
sound natural teeth within twelve (12) months of the are payable to Your beneficiary. If a beneficiary is not otherwise actual cash value of the property at the time of Loss.
Accidental Injury; designated by You, the benefits for Loss of life will be paid to the Damage will be estimated according to actual cash value
7. Pregnancy and childbirth (except for Complications of first of the following surviving preference beneficiaries: with proper deduction for depreciation as determined by the
Pregnancy); a) Your spouse: Company. At no time will payment exceed what it would cost
8. Traveling for the purpose of securing medical treatment. b) Your child or children jointly: to repair or replace the property with material of like kind and
9. Mental or emotional disorders, unless hospitalized. c) Your parents jointly if both are living or the surviving quality.
parent if only one survives: DISAGREEMENT OVER SIZE OF LOSS: If there is a
The following exclusions apply to Baggage/Personal d) Your brothers and sisters jointly: or disagreement about the amount of the Loss either You or the
Effects and Baggage Delay: e) Your estate. Company can make a written demand for an appraisal. After
The Company will not provide benefits for any Loss or the demand, You and the Company will each select their
damage to: animals; automobiles and automobile All other claims will be paid to You. In the event You are a own competent appraiser. After examining the facts, each of
equipment; boats or other vehicles or conveyances; trailers; minor, incompetent or otherwise unable to give a valid the two appraisers will give an opinion on the amount of the
motors; motorcycles; bicycles (except when checked as release for the claim, the Company may make arrangements Loss. If they do not agree, they will select an arbitrator. Any
Baggage with a Common Carrier); eye glasses, sunglasses to pay claims to Your legal guardian, committee or other figure agreed to by 2 of the 3 (the appraisers and the
or contact lenses; artificial teeth and dental bridges; hearing qualified representative. arbitrator) will be binding. The appraiser selected by You is
aids; prosthetic limbs; keys, money, stamps, securities and paid by You. The Company will pay the appraiser they
documents; tickets. All or a portion of all other benefits provided by the policy may, at choose. You will share equally with the Company the cost for
the option of the Company, be paid directly to the provider of the the arbitrator and the appraisal process.
Any Loss caused by or resulting from the following is service(s). All benefits not paid to the provider will be paid to BENEFIT TO BAILEE. This insurance will in no way inure
excluded: Wear and tear or gradual deterioration; insects or You. Any payment made in good faith will discharge the directly or indirectly to the benefit of any carrier or other bailee.
vermin; inherent vice or damage while the article is actually Company's liability to the extent of the claim.
being worked upon or processed; confiscation or
expropriation by order of any government; radioactive The applicable benefit amount will be reduced by the amount
contamination; war or any act of war whether declared or of benefits, if any, previously paid by other Insurance
not; property shipped as freight or shipped prior to the Policies. In no event will the Company reimburse You for an
Scheduled Departure Date. amount greater than the amount paid by You.
NOTICE OF CLAIM. Written notice of claim must be given
by the Claimant (either You or someone acting for You) to
the Company or its designated representative within twenty
(20) days after a covered Loss first begins or as soon as
reasonably possible. Notice should include Your name, the
Travel Supplier’s name and the policy number. Notice should
T- 2228a (9.19.11) | Page 4 of 5
IMPORTANT NOTICE: Payments for the plan will not be
accepted after Your total tour cost has been paid in full.
Protection plan fees are non-refundable.
Your estate, unless written notice of a designated
beneficiary is provided to Travel Insured International.
The following provisions apply to all coverages:
LEGAL ACTIONS. No legal action for a claim can be
brought against the Company until sixty (60) days after the
Company receives proof of Loss. No legal action for a claim
can be brought against the Company more than two (2)
years after the time required for giving proof of Loss.
CONTROLLING LAW. Any part of the policy that conflicts
with the state law where the policy is issued is changed to
meet the minimum requirements of that law.
MISREPRESENTATION AND FRAUD. Coverage as to You
shall be void if, whether before or after a Loss, You have
concealed or misrepresented any material fact or
circumstance concerning the policy or the subject thereof, or
the interest of You therein, or if You commit fraud or false
swearing in connection with any of the foregoing.
SUBROGATION. To the extent the Company pays for a
Loss suffered by You , the Company will take over the rights
and remedies You had relating to the Loss. This is known as
subrogation. You must help the Company to preserve its
rights against those responsible for the Loss. This may
involve signing any papers and taking any other steps the
Company may reasonably require. If the Company takes
over Your rights, You must sign an appropriate subrogation
form supplied by the Company.
ASSIGNMENT. The policy is not assignable, whether by
operation of law or otherwise, but benefits may be assigned.
WHEN AN INSURED'S COVERAGE BEGINS. All coverage will
take effect at 12:01 A.M. local time, at Your location, on the
Scheduled Departure Date provided:
(a) Coverage has been elected; and
(b) The required premium has been paid.
WHEN AN INSURED'S COVERAGE ENDS. Your
coverage will end at 11:59 local time on the date which is
the earliest of the following:
(a) The Scheduled Return Date as stated on the travel tickets;
(b) The date You return to Your origination point if prior to
the Scheduled Return Date;
(c) If You extend the return date, coverage will terminate at
11:59 P.M., local time, at Your location on the Scheduled
EXTENDED COVERAGE. All coverage under the policy
will be extended, if: (a) Your entire Trip is covered by the
policy; and (b) Your return is delayed by covered reasons
specified under Travel Delay. If coverage is extended for
the above reasons, coverage will end on the earlier of: (a)
the date You reach Your Return Destination; or (b) seven
(7) days after the date the Trip was scheduled to be
MODE OF PREMIUM:
Insured: The required premium must be paid to the Travel
Supplier or its authorized representative prior to the
Scheduled Departure Date of the Covered Trip.
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