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306700 JIT doc.qxp - Travel Insurance

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306700 JIT doc.qxp - Travel Insurance Powered By Docstoc
					                     SCHEDULE OF BENEFITS                                                                                      PRE-EXISTING MEDICAL CONDITION EXCLUSION:
      DESCRIPTION                      Not available to Washington Residents.
                                                                                                                        The Insurer will not pay for any loss or expense incurred as the
                                                                                                                        result of an Injury, Sickness or other condition of you, traveling
      OF COVERAGE   All coverages are per person                                      MAXIMUM LIMIT
                                                                                                                        companion, business partner or Immediate Family Member which,
                                                                                                                        within the 180 day period immediately preceding and including your
                    Trip Cancellation . . . . . . . . . . . . . . . . . . . . . . . . . . . .up to Trip Cost*           coverage effective date: first manifested itself or had symptoms
                    Trip Interruption . . . . . . . . . . . . . . . . . . . . .up to 150% of Trip Cost*                 which would have prompted a reasonable person to seek
                    Trip Interruption--Return Air Only . . . . . .up to the Trip Cost payable                           diagnosis, care or treatment; or for which care or treatment was
                                                                        under Trip Interruption or $750                 given or recommended by a Physician; or required the taking of
                                                                                      (whichever is greater)            prescription drugs or medicines, unless the condition for which the
                                                                                                                        drugs or medicines are taken remains controlled without any
                    Trip Delay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$750    change in the prescription drugs or medicines.
                    (Maximum of $150 per day)
                                                                                                                        The Insurer will waive this exclusion if the Insured meets the
                    Missed Connection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$250           following conditions: 1. You purchase the program within 15
                    Baggage & Personal Effects Loss . . . . . . . . . . . . . . . . . . . . .$1,000                     days of making the initial Trip payment; 2. The amount of Trip
                    Baggage Delay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$300         Cancellation coverage purchased at that time equals the full cost
                    Medical Expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25,000            of all pre-paid non-refundable trip arrangements. The cost of any
                    Emergency Medical Transportation . . . . . . . . . . . . . . . . . .$500,000                        subsequent arrangement(s) added to the same Trip must be
                    Flight Guard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$50,000**         insured within 15 days of the date of payment or deposit for any
                                                                                                                        subsequent Trip arrangement(s). Failure to do so may affect the
                    The following non-insurance services are provided by AIG Travel Assist.                             pre-existing medical condition waiver coverage; 3. You must be
                    AIG Travel Assist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Included         medically able to travel when plan cost is paid; and 4. Applies to
                    LiveTravel® Assistance . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Included            the first $30,000 of Trip cost per person.
                    Concierge Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Included
                    Identity Theft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Included         24-Hour Emergency Assistance Telephone
                    Business Assistant . . .Included only with Cancel for Work Reasons                                                         Numbers
                    Additional Coverages (Applicable only if appropriate additional plan cost                                  Continental USA………1.800.826.1300
                    has been paid)
                                                                                                                                 International.………1.715.345.0505
                    Cancel for Any Reason . . . . . . . . . . . . . . . .up to 50% of Trip Cost
                    (must be purchased within 15 days of initial Trip deposit)                                          LiveTravel® 24-Hour Assistance.………1.800.826.8597
                                                                                                                       Be sure to use the appropriate country and city codes when calling.
                    Cancel for Work Reasons . . . . . . . . . . . . . . .up to 100% Trip Cost
                    (must be purchased within 15 days of initial Trip deposit)                                             - KEEP THESE NUMBERS WITH YOU WHEN YOU TRAVEL -

                    Flight Guard® . . . . . . . . . . . . . . . . . . . . . . . . . . . .Amount Selected                                Blanket Travel Accident Insurance
                    (Maximum of $500,000)                                                                              This document describes the benefits and basic provisions of the
                                                                                                                       Policy. Read it with care. The Policy is the only contract under which
                    Car Rental Collision Coverage . . . . . . . . . . . . . . . . . . . . .$35,000                     benefits are paid.
                    ($250 Deductible applies)
                                                                                                                                 PLEASE READ THIS DOCUMENT CAREFULLY!
                    Umbrella Package Includes:                                                                                                  Insurance Coverage
                    Medical Coverage . . . . . . . . . . . . . . . . . . . . . . . .Additional $25,000                 Underwritten by National Union Fire Insurance Company of
                                                                                                                       Pittsburgh, PA, NAIC No. 19445, a member of the AIG Companies®
                    Emergency Medical Transportation . . . . . . . . . .Additional $500,000
                                                                                                                       with their principal place of business at 70 Pine Street, New York, NY
                    Accidental Death & Dismemberment . . . . . . . . . . . . . . . . .$25,000                          10270 and currently authorized to transact business in all states and
                    Primary Medical Coverage . . . . . . . . . . . . . . . . . . . . . . . . .Included                 the District of Columbia.
                    Enhanced Emergency Medical
                    Transportation Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . .Included              This is only a brief description of the insurance coverage(s) available
                                                                                                                       under policy series T30253NUFIC; (in NC: 52735MO, in NY: 52735).
                    Detailed Pre-Trip Travel Advisories . . . . . . . . . . . . . . . . . . . .Included                The Policy contains reductions, limitations, exclusions, and
                    *Coverage only included for pre-paid Trip costs identified on the enrollment                       termination provisions. Full details of the coverage are contained in
                    form and if the required plan cost has been paid. Maximum Trip cost insurable                      the Policy. If there are any conflicts between this document and the
                    is $100,000 per person.                                                                            Policy, the Policy shall govern.
                    ** Included if purchased within 15 days of the initial Trip payment.                                         - Coverage may not be available in all states. -
306700 CT 3/07
                                                                    2                                                                                    3
                   DEFINITIONS                                “Financial Default” means the total cessation of                “Key Employee” means an employee of an employer
“Actual Cash Value” means purchase price less                 operations due to insolvency, with or without the filing of     who is responsible for policy and decision making.
depreciation.                                                 a bankruptcy petition by a tour operator, cruise line, or       “Medically Necessary” means that a treatment, service,
“Baggage” means luggage and personal possessions,             airline provided the Financial Default occurs more than 14      or supply: (1) is essential for diagnosis, treatment, or care
whether owned, borrowed, or rented, taken by the              days following an Insured's effective date for the Trip         of the Injury or Sickness for which it is prescribed or
Insured on the Trip.                                          Cancellation Benefits. There is no coverage for the             performed; (2) meets generally accepted standards of
“Business Partner” means an individual who: (a) is            Financial Default of any person, organization, agency, or       medical practice; (3) is ordered by a Physician and
involved with the Insured or the Insured’s Traveling          firm from whom you purchased travel arrangements                performed under his or her care, supervision, or order;
Companion in a legal partnership; and (b) is actively         supplied by others.                                             and (4) is not primarily for the convenience of the Insured,
involved in the daily management of the business.             “Hospital” means a facility that: (1) is operated according     Physician, other providers, or any other person.
“Common Carrier” means any conveyance operated                to law for the care and treatment of injured people; (2) has    “Natural Disaster” means a flood, hurricane, tornado,
under a license for the transportation of passengers for      organized facilities for diagnosis and surgery on its           earthquake, or blizzard that is due to natural causes.
hire.                                                         premises or in facilities available to it on a prearranged      “Physician” means a licensed practitioner of the healing
“Complication of Pregnancy” means a condition whose           basis; (3) has 24 hour nursing service by registered nurses     arts including accredited Christian Science Practitioners,
diagnosis is distinct from pregnancy but adversely            (R.N.’s); and (4) is supervised by one or more Physicians.      acting within the scope of his/her license. The treating
affected or caused by pregnancy. It does not include any      A Hospital does not include: (1) a nursing, convalescent or     Physician may not be the Insured, Immediate Family
condition associated with the management of a difficult       geriatric unit of a hospital when a patient is confined         Member, or a Traveling Companion.
pregnancy not consisting of a classifiable distinct           mainly to receive nursing care; (2) a facility that is, other   “Reasonable Additional Expenses” means any
Complication of Pregnancy.                                    than incidentally, a rest home, nursing home,                   expenses for meals, taxi fares, essential telephone calls,
“Deductible” means the amount of charges that must be         convalescent home or home for the aged; nor does it             and lodging which were necessarily incurred as the result
incurred by the Insured before benefits become payable.       include any ward, room, wing, or other section of the           of a Trip Delay and which are not provided by the Common
The amount of the Deductible is the Deductible shown in       hospital that is used for such purposes; or (3) any military    Carrier or any other party free of charge.
the Schedule of Benefits for each coverage to which a         or veterans hospital or soldiers home or any hospital           “Reasonable and Customary Charges” means an
Deductible applies.                                           contracted for or operated by any national government or        expense which: (a) is charged for treatment, supplies, or
“Destination” means the place where the Insured               government agency for the treatment of members or ex-           medical services Medically Necessary to treat the
expects to travel on his/her Trip, as shown on the            members of the armed forces.                                    Insured’s condition; (b) does not exceed the usual level of
Enrollment Form.                                              “Immediate Family Member” means the Insured’s or                charges for similar treatment, supplies or medical
“Domestic Partner” means an opposite or a same-sex            Traveling Companion’s spouse or Domestic Partner, child,        services in the locality where the expense is incurred; and
partner who is at least 18 years of age and has met all of    spouse’s child, daughter-in-law, son-in-law, brother, sister,   (c) does not include charges that would not have been
the following requirements for at least 6 months: (1)         mother, father, grandparents, grandchild, step-brother,         made if no insurance existed. In no event will the
resides with the Insured; (2) shares financial assets and     step-sister, step-parents, parents-in-law, brother-in-law,      Reasonable and Customary Charges exceed the actual
obligations with the Insured; the Insurer may require proof   sister-in-law, aunt, uncle, niece, nephew, legal guardian,      amount charged.
of the Domestic Partner relationship in the form of a         caregiver, legal ward, or Domestic Partner of any of the        “Return Destination” means the place to which the
signed and completed Affidavit of Domestic Partnership.       above.                                                          Insured expects to return from his/her Trip.
“Exotic Vehicle” any vehicle with an original                 “Inclement Weather” means any severe weather                    “Sickness” means an illness or disease diagnosed or
manufacturer’s suggested retail price greater than $50,000    condition which delays the scheduled arrival or departure       treated by a Physician.
and antique cars meaning cars that are over 20 years old or   of a Common Carrier. With respect to an Insured who is          “Strike” means a stoppage of work (a) announced,
have not been manufactured for 10 or more years.              traveling via private/non-commercial automobile                 organized, and sanctioned by a labor union and (b) which
“Experimental or Investigative” means treatment, a            transportation, any severe weather condition which              interferes with the normal departure and arrival of a
device or prescription medication which is recommended        prevents an Insured from reaching the Destination.              Common Carrier. This includes work slowdowns and
by a Physician, but is not considered by the medical          “Injury” means a bodily injury caused by an accident            sickouts.
community as a whole to be safe and effective for the         occurring while the Insured’s coverage under the Policy is      “Terrorist Incident” means an act of violence, other than
condition for which the treatment, device or prescription     in force, and resulting directly and independently of all       civil disorder or riot (that is not an act of war, declared or
medication is being used, including any treatment,            other causes of loss covered by the Policy. The injury must     undeclared) that results in loss of life or major damage to
procedure, facility, equipment, drugs, drug usage,            be verified by a Physician.                                     property, by any person acting on behalf of or in
devices, or supplies not recognized as accepted medical       “Insured” means the person(s) named on the individual           connection with any organization which is generally
practice, and any of those items requiring federal or other   Enrollment Form and for whom the plan cost has been             recognized as having the intent to overthrow or influence
governmental agency approval not received at the time         paid.                                                           the control of any government.
services are rendered.                                        “Insurer” means National Union Fire Insurance Company           “Traveling Companion” means a person or persons with
                                                              of Pittsburgh, PA.                                              whom you have coordinated travel arrangements and
                            4                                                               5                                                               6
intend to travel with during the Trip. A group or tour leader     of: (a) the date the Insured reaches his/her Return               Travel Guard Program Policies (ATGP Policies). If loss for
is not considered a Traveling Companion, unless you are           Destination; or (b) seven (7) days after the date the Trip was    all Insureds from such an occurrence exceeds
sharing room accommodations with the group or tour                scheduled to be completed.                                        $10,000,000 the Insurer will pay each Insured that
leader.                                                                                                                             proportion of the Benefits stated which $10,000,000
“Trip” means a period of travel away from home to a                          GENERAL EXCLUSIONS                                     bears to the total loss of all persons the Insurer insures
Destination outside the Insured’s city of residence; the          In addition to any exclusions which apply to a particular         under all travel and flight insurance in force, under the
purpose of the Trip is business or pleasure and is not to         benefit (called “Additional Exclusions”), the policy does         ATGP policies. The Insurer will pay no more than
obtain health care or treatment of any kind; the Trip has         not cover any loss caused by:                                     $1,000,000 per occurrence, under the ATGP policies, to or
defined departure and return dates specified when the             (a) intentionally self-inflicted Injury or any attempt at an      on account of any person insured under the ATGP
Insured applies; the Trip does not exceed 365 days; travel             intentionally self-inflicted Injury, suicide, or attempted   policies.
is primarily by Common Carrier and only incidentally by                suicide by the Insured, Immediate Family Member,
private conveyance.                                                    Traveling Companion or Business Partner; (while                 EXCESS INSURANCE LIMITATION
“Unforeseen” means not anticipated or expected and                     sane, in Colorado and Missouri);                             The insurance provided for all coverages except Trip
occurring after the effective date of the policy.                 (b) pregnancy or childbirth, or elective abortion, other          Cancellation, Trip Interruption, and Car Rental Collision
“Uninhabitable” means (1) the building structure itself is             than the Complications of Pregnancy;                         Coverage shall be in excess of all other valid and
unstable and there is a risk of collapse in whole or in part;     (c) participation in professional athletic events, motor          collectible insurance or indemnity. If at the time of the
(2) there is exterior or structural damage allowing                    sport, or motor racing, including training or practice       occurrence of any loss payable under the Policy there is
elemental intrusion, such as rain, wind, hail or flood; (3)            for the same;                                                other valid and collectible insurance or indemnity in place,
immediate safety hazards have yet to be cleared, such as          (d) Mountain Climbing (meaning the ascent or descent of           the Insurer shall be liable only for the excess of the
debris on roofs or downed electrical lines; or (4) the rental          a mountain requiring the use of specialized                  amount of loss, over the amount of such other insurance
is without electricity or water. An Insured's Destination is           equipment, including but not limited to pick-axes,           or indemnity, and applicable Deductible. (Medical Benefit
inaccessible if he or she cannot reach the property by the             anchors, bolts, crampons, carabineers and lead or top-       will become primary if the Umbrella Package is
original mode of transportation.                                       rope anchoring equipment);                                   purchased.)
                                                                  (e) war or act of war, whether declared or not, civil
 INDIVIDUAL ELIGIBILITY, EFFECTIVE                                     commotion, riot, or insurrection;                                     TRIP CANCELLATION AND
       & TERMINATION DATES                                        (f) operating or learning to operate any aircraft, as student,
Persons eligible for insurance under the policy are any                pilot, or crew;                                                            INTERRUPTION
                                                                  (g) air travel on any air-supported device, other than a          The Insurer will reimburse the Insured, as described
traveler(s) who purchases his/her insurance through or                                                                              below, if a Trip is canceled or interrupted for the Insured
from a properly licensed agent/agency located in the U.S.,             regularly scheduled airline or air charter company;
                                                                  (h) loss or damage caused by detention, confiscation, or          due to any of the following Unforeseen circumstances: (a)
who enrolls for coverage and pays the plan cost, providing
                                                                       destruction by customs;                                      Sickness, Injury, or death of an Insured, Immediate Family
he/she has not already departed on his/her Trip.
                                                                  (i) any unlawful acts, committed by the Insured,                  Member, Traveling Companion, or Business Partner. Injury
Effective Date: Trip Cancellation Benefit will be effective
                                                                       Immediate Family Member, or a Traveling Companion,           or Sickness must be so disabling as to reasonably cause a
12:01 a.m. Standard Time on the date after becoming
                                                                       whether insured or not (not applicable in Florida);          Trip to be canceled or interrupted. If the Insured must
enrolled and plan cost is paid. All other coverages will
                                                                  (j) mental, psychological or nervous disorders including,         cancel or interrupt his/her Trip due to Injury or Sickness of
begin on the later of: (a) the date and time the Insured
starts his/her Trip, or (b) the scheduled departure date               but not limited to, anxiety, depression, neurosis or         an Immediate Family Member or Business Partner, it
shown on the Enrollment form.                                          psychosis;                                                   must be because their condition is life-threatening, or
Termination Date: The Trip Cancellation coverage ends on          (k) if the Insured’s tickets do not contain specific travel       because the Immediate Family Member requires the
the earliest of: (a) the cancellation of the Insured’s Trip; or        dates (open tickets);                                        Insured’s or Traveling Companion’s care; (b) Inclement
(2) the date and time the Insured starts on his/her Trip.         (l) alcohol or substance abuse or treatment for same; or          Weather causing delay or cancellation of travel; (c) Strike
All other coverage ends on the earlier of: (a) the date the       (m) an Injury or Sickness which occurs at a time when this        resulting in complete cessation of travel services at the
Trip is completed; (b) the scheduled return date; or (c) the           coverage is not in effect                                    point of departure or Destination. A Strike is foreseeable
Insured’s arrival at the Return Destination on a round Trip,      (n) elective or non-emergency treatment or surgery,               on the date labor union members vote to approve a Strike
or the Destination on a one-way Trip.                                  except for any necessary treatment or surgery due to         and is not covered under the policy; (d) the Insured’s
Extension of Coverage: All coverage (except Trip                       covered Injury or Sickness;                                  principal residence or Destination being made
Cancellation) under the policy will be extended, if: (a) the      (o) Experimental or Investigative treatment or                    Uninhabitable by fire, flood, or similar Natural Disaster,
Insured's entire Trip is covered by the policy; and (b) the            procedures.                                                  vandalism, or burglary; (e) the Insured or a Traveling
Insured's return is delayed by one of the Unforeseen              MAXIMUM LIMIT OF LIABILITY: All limits are applied per            Companion being subpoenaed, required to serve on a
events specified under Trip Cancellation and Interruption or      Trip. The Insurer’s maximum limit of liability resulting from     jury, hijacked, or quarantined; (f) a Terrorist Incident in a
Trip Delay. This extension of coverage will end on the earlier    the same occurrence will be $10,000,000 under the AIG
                               7                                                                 8                                                               9
City listed on the Insured’s itinerary within 30 days of the     (b) this insurance coverage is purchased for the full cost of   In addition to the General Exclusions, coverage is not
Insured’s scheduled arrival. “City” means an incorporated            all prepaid Trip arrangements that are subject to           provided for losses caused by or as a result of:
municipality having defined borders and does not include             cancellation penalties and/or restrictions; and             (i) travel arrangements cancelled by an airline, cruise line,
the high seas, uninhabited areas, or airspace; (g) Financial     (c) the Insured cancels the insured Trip not less than 48       or tour operator, except as provided elsewhere in the
Default of an airline, cruise line, or tour operator resulting       hours prior to the departure date.                          policy; (ii) changes in plans by the Insured, an Immediate
in the complete cessation of services. Financial Default                                                                         Family Member, or Traveling Companion, for any reason;
occurring on or before the Insured’s coverage effective          Trip Cancellation Benefits: The Insurer will reimburse          (iii) financial circumstances of the Insured, an Immediate
date or less than fourteen days after the Insured’s              the Insured for the following up to the Maximum Limit           Family Member, or a Traveling Companion; (iv) any business
coverage effective date will not be covered. This coverage       shown on the Schedule of Benefits for Trips that are            or contractual obligations of the Insured, an Immediate
applies only if insurance was purchased within fifteen           canceled before the scheduled departure date due to the         Family Member, or Traveling Companion; (v) Default by the
calendar days of Initial Trip payment. (Day one is the date      Unforeseen events shown at the beginning of this                person, agency, or tour operator from whom the Insured
the initial Trip payment is received.); or (h) the Insured or    section: (a) forfeited, non-refundable prepaid deposits or      bought his/her coverage and purchased his/her travel
Traveling Companion being called into active military            payments, (b) the charge for a single supplement if the         arrangements; (vi) any government regulation or
service or having leave revoked or being reassigned.             Insured’s Traveling Companion Trip is cancelled but the         prohibition; (vii) an event which occurs prior to the Insured’s
                                                                 Insured’s is not.                                               coverage Effective Date for Trip Cancellation coverage,
Optional Cancel for Work Reasons: If you have                                                                                    whether known to the Insured or not.
purchased the Cancel for Work Reasons coverage will be           Trip Interruption Benefits: The Insurer will reimburse the      The Insured’s Duties in the Event of Loss: The Insured
extended for these additional Unforeseen circumstances           Insured for the following up to the Maximum Limit shown         must provide the Insurer documentation of the
if the Insured or a traveling companion:                         on the Schedule of Benefits for Trips that have been            cancellation or interruption, and proof of the expenses
(a) is required to work during his/her scheduled Trip.           interrupted due to the Unforeseen events shown at the           incurred. The Insured must provide proof of payment for
He/she must demonstrate proof of requirement to work,            beginning of this section.                                      the Trip such as cancelled check or credit card statements,
such as a notarized statement signed by an officer of            (a) forfeited, non-refundable, unused prepaid payments,         proof of refunds received, copies of applicable tour
his/her employer; (b) company is directly involved in a              made prior to your departure date; and                      operator or Common Carrier cancellation policies, and any
merger, acquisition, government required product recall,         (b) additional non airline transportation expenses incurred     other information reasonably required to prove the loss.
or bankruptcy proceedings. The Insured or Traveling                  by the Insured, either (i) to the Return Destination; or    Claims involving loss due to Sickness, Injury, or death
Companion directly involved in one of the afore                      (ii) from the place that the Insured left the Trip to the   require signed patient (or next of kin) authorization to
mentioned events and must be currently employed by the               place that the Insured may rejoin the Trip; or              release medical information and an attending physician’s
company that is involved in said event; (c) company is           (c) additional transportation expenses incurred by the          statement. The Insured must provide the Insurer with all
deemed to be unsuitable for business due to fire, flood,             Insured to reach the original Trip Destination if the       unused air, rail, cruise, or other tickets if he/she is claiming
burglary, earthquake, hurricane, or other Natural Disaster           Insured is delayed, and leaves after the departure date.    the value of those unused tickets.
and the insured or traveling companion is directly involved      However, the benefit payable under (b) and (c) above will
as a Key Employee of the disaster recovery team. This            not exceed the cost of economy airfare (or first class if the                         TRIP DELAY
coverage applies only if insurance was purchased within          Insured’s original tickets were first class) by the most        The Insurer will reimburse up to $150 a day to the
fifteen calendar days of initial Trip payment.                   direct route, less any refunds paid or payable;                 Maximum Limit shown on the Schedule of Benefits if the
                                                                 (d) the Insured’s additional cost as a result of a change in    Insured’s Trip is delayed for more than 5 hours for
Optional Cancellation for Any Reason Benefit: If the                 the per-person occupancy rate for prepaid travel            Reasonable Additional Expenses until travel becomes
Insured is prevented from taking the Trip for any reason             arrangements if a Traveling Companion’s Trip is             possible. Incurred expenses must be accompanied by
not otherwise covered by the Policy, the Insurer will                interrupted, and the Insured’s Trip is continued.           receipts. This benefit is payable for only one delay per
reimburse the Insured for 50% of the prepaid, forfeited,                                                                         Insured, per Trip. Trip Delay must be caused by reasons
non-refundable payments or deposits for the insured Trip         Trip Interruption – Return Air Only: The Insurer will           listed under Trip Cancellation & Interruption, in addition to:
arrangement(s) up to the Maximum Limit shown on the              reimburse the Insured for the additional airline                (a) carrier-caused delay; (b) lost or stolen passports, travel
Schedule of Benefits, provided the following conditions          transportation expenses incurred by the Insured to reach        documents, or money; (c) quarantine; or (d) Natural
are met:                                                         the Return Destination if the Insured's Trip must be            Disaster that causes a complete cessation of travel
(a) the Insured purchases the Cancel for Any Reason              interrupted due to one of the Unforeseen events shown at        services at the point of departure or Destination.
    benefit within 15 days of the date the Insured’s initial     the beginning of this section, up to the Maximum Limit          The Insured Must: Contact LiveTravel (1.800.826.8597)
    Trip payment or deposit is paid and the cost of any          shown on the Schedule of Benefits.                              as soon as he/she knows his/her Trip is going to be
    subsequent arrangement(s) added to the same Trip are         The Insured must: Contact LiveTravel (1.800.826.8597)           delayed more than 5 hours. Failure to do so may affect
    insured within 15 days of the date of payment or             as soon as he/she knows the Trip is going to be cancelled       coverage.
    deposit for any subsequent Trip arrangement(s); and          or interrupted. Failure to do so may affect coverage.

                             10                                                               11                                                               12
            MISSED CONNECTION                                   losses of the following: jewelry, watches, furs, cameras        Covered Expenses: Means charges incurred for any of
The Insurer will reimburse this benefit up to the Maximum       and camera equipment, camcorders, sporting equipment,           the following services, supplies or treatments: 1)
Limit shown on the Schedule of Benefits if Inclement            computers, and other electronic devices.                        Emergency dental treatment received during a Trip limited
Weather or Common Carrier causes cancellation or a              Additional Exclusions: In addition to the General               to a maximum of $500; 2) Services of a Physician or
delay of all regularly scheduled airline flights for three to   Exclusions, the Insurer will not pay for any loss due to: (a)   Registered Nurse (R.N.); 3) Hospital charges; 4) X-ray; 5)
less than five hours to your point of departure. You can        defective materials or craftsmanship; (b) normal wear and       local ambulance services to or from the Hospital; 6)
collect up to $250, or up to $500 if the insurance was          tear; (c) gradual deterioration; or (d) rodents, animals,       artificial limbs, eyes, teeth or other prosthetic appliances;
purchased within fifteen calendar days of initial Trip          vermin or insects.                                              7) Physical therapy will be covered up to 90 days after the
payment, for additional transportation costs to join the Trip   Payment of Loss: The Insured must: (a) report theft             Insured reaches his/her Return Destination.
(must be same class of original tickets purchased).             losses to police or other local authorities as soon as          Excess Insurance Limitation applies.
Reasonable accommodations and meals (up to $150 per             possible; (b) take reasonable steps to protect his/her          Additional Exclusions: In addition to the General
day), and/or the non-refundable, unused portion of the          Baggage from further damage and make necessary and              Exclusions, coverage is not provided for: (a) routine
prepaid expenses as long as the expense is supported by         reasonable temporary repairs. The Insurer will reimburse        physical examinations; (b) mental, psychological or
a proof of purchase and is not reimbursable by another          the Insured for those expenses. The Insurer will not pay        nervous disorders including but not limited to: anxiety,
source. Common Carrier must certify the delay of the            for further damage if the Insured fails to protect his/her      depression, neurosis or psychosis, panic attacks and post-
regularly scheduled airline flight.                             Baggage; (c) allow the Insurer to examine the damaged           traumatic stress disorder; (c) replacement of hearing aids,
                                                                Baggage and/or the Insurer may require the damaged              eye glasses, contact lenses, sunglasses, for the
                                                                item to be sent in the event of payment; (d) send sworn         correction of vision or fitting of glasses; (d) routine dental
          LOSS OF BAGGAGE AND                                   proof of loss as soon as possible from date of loss,            care, dentures, false teeth; (e) alcohol or substance abuse
            PERSONAL EFFECTS                                    providing amount of loss, date, time, and cause of loss,        or treatment for same; (f) any service provided by the
The Insurer will reimburse the Insured, up to the               and a complete list of damaged/lost items; or (e) in the        Insured, an Immediate Family Member, or Traveling
Maximum Limit shown on the Schedule of Benefits for             event of theft or unauthorized use of the Insured’s credit      Companion.
loss, theft, or damage to the Insured’s Baggage and travel      cards, the Insured must notify the credit card company          Payment of Loss: The Insured must provide the Insurer
documents during the Insured’s Trip.                            immediately to reduce his/her loss. Any items $150 or           with: (a) all medical bills and reports for Medical Expenses
Continuation of Coverage: If the Insured has checked his        more must be accompanied by the original receipt.               claimed; and (b) a signed patient authorization to release
or her property with a Common Carrier, and delivery is          Excess Insurance Limitation applies.                            medical information to the Insurer.
delayed, coverage for Baggage and travel documents will
continue until such property is delivered to the Insured.                       BAGGAGE DELAY                                    EMERGENCY MEDICAL TRANSPORTATION
This coverage does not include loss caused by the delay.        The Insurer will reimburse the Insured, up to the               Emergency Medical Transportation: The Insurer will pay
Property Not Covered: The Insurer will not pay for              Maximum Limit shown on the Schedule of Benefits for             up to the Maximum Limit shown on the Schedule of
damage or loss of:                                              the cost of necessary personal effects purchased by the         Benefits for Covered Emergency Evacuation Expenses
(a) animals;                                                    Insured during the Trip, if the Insured’s Baggage is delayed    incurred if the Insured suffers an Injury or emergency
(b) bicycles (except when checked with a Common                 or misdirected for more than 24 hours from the time the         Sickness that warrants his or her emergency evacuation
    Carrier);                                                   Insured arrives at the Destination (other than the Insured’s    while on a Trip provided a Physician has ordered the
(c) motor vehicles and other conveyances;                       Return Destination) provided the Insured is a ticketed          emergency evacuation and has certified that the severity
(d) prosthetic limbs, false teeth, any type of eyeglasses,      passenger on a Common Carrier and the delay or                  of the Insured’s Injury or emergency Sickness warrants
    sunglasses or contact lenses, hearing aids;                 misdirection is verified by the Common Carrier.                 such evacuation.
(e) tickets, keys, money, notes or security accounts, bills,    Payment of Loss: The Insured must provide                       Covered Emergency Evacuation Expenses: (a)
    currency, deeds, food stamps or other evidences of          documentation of the delay or misdirection of Baggage by        Medically Necessary transportation, including Reasonable
    debt, credit cards, stocks and bonds, postal or money       the Common Carrier and receipts for the necessary               and Customary medical services and supplies required for
    orders;                                                     personal effects purchased.                                     evacuation to the nearest adequate medical facility or
(g) property shipped as freight, or shipped prior to the                                                                        home if medically required or, if the Umbrella Package is
    departure date; or                                                 MEDICAL EXPENSE BENEFIT                                  purchased, to the nearest adequate medical facility of the
(h) contraband, illegal transportation or trade.                The Insurer will reimburse or pay the Reasonable and            Insured’s choice or home (if medically required). This
Special Limitations: The Insurer will not pay more than         Customary Charges for Medically Necessary Covered               service will be arranged only if the Insured’s Physician
$500 for the first item and thereafter, no more than $250       Expenses incurred by the Insured due to an Injury or            determines that adequate medical treatment is not locally
per item up to the Baggage and Personal Effects Loss            Sickness within one year from the date of Injury or Sickness    available; (b) up to $5,000 for an escort’s transportation
Maximum Limit shown on the Schedule of Benefits. The            provided initial treatment was received during the Trip up to   and accommodations if an escort is recommended, in
Insurer also will not pay more than $500 aggregate on all       the Maximum Limit shown in the Schedule of Benefits.            writing, by a Physician.

                             13                                                              14                                                              15
Repatriation of Remains: The Insurer will pay for                The amount of this benefit is shown below. The Maximum                                          OPTIONAL CAR RENTAL
expenses reasonably incurred for transportation of the           Limit is shown on the Schedule of Benefits. The Insurer
Insured’s remains to his/her city of burial if he/she dies       will not pay more than the Maximum Limit for all losses
                                                                                                                                                                 COLLISION COVERAGE
                                                                                                                                                      Coverage does not apply in countries or states where the
during a Trip.                                                   due to the same accident.
                                                                                                                                                      sale of this insurance is prohibited by law. If the Insured
Payment of Loss: AIG Travel Assist must make all                                                               Percentage of Maximum
                                                                                                                                                      rents a car from a licensed auto rental company while on
arrangements and authorize all expenses in advance for           Loss:                                                            Limit Payable
                                                                                                                                                      his/her Trip, and the car is damaged due to collision,
Emergency Evacuation or Repatriation of Remains                  Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .100%
                                                                                                                                                      vandalism, windstorm, fire, hail or flood, while in his/her
benefits to be payable. The Insurer reserves the right to        Both hands or feet, or sight of both eyes . . . . . . . .100%
                                                                                                                                                      possession, the Insurer will pay the lesser of this benefit
determine the benefit payable, including any reductions if       One hand and one foot . . . . . . . . . . . . . . . . . . . . . 100%
                                                                                                                                                      up to the Maximum Limit shown on the Schedule of
it was not reasonably possible to contact AIG Travel Assist      One hand or one foot and sight of one eye . . . . . 100%
                                                                                                                                                      Benefits subject to a $250 deductible: (a) the cost of
in advance.                                                      One hand . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
                                                                                                                                                      repairs and rental charges imposed by the rental company
Additional Benefit: In addition to the above covered             One foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
                                                                                                                                                      while the car is being repaired; or (b) the Actual Cash Value
expenses, if the Insurer has previously evacuated an             Sight of one eye . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
                                                                                                                                                      of the car.
Insured to a medical facility, the Insurer will pay his/her      In no event will the Insurer pay more than the Maximum
                                                                                                                                                      Coverage is provided to the Insured and Traveling
airfare costs from that facility to the Insured’s Return         Limit shown on the Schedule of Benefits for all losses due
                                                                                                                                                      Companion, providing the Insured and Traveling
Destination, within one year from the Insured’s original         to the same accident.
                                                                                                                                                      Companion are licensed drivers, and are listed on the
return date, less refunds from the Insured’s unused              If the Insured suffers more than one loss from an
                                                                                                                                                      rental agreement. This coverage is primary to other forms
transportation tickets. Airfare costs will be economy, or        accident, the Insurer will pay only for the loss with the
                                                                                                                                                      of insurance or indemnity.
first class if the Insured’s original tickets are first class.   larger benefit.
                                                                                                                                                      Additional Exclusions: In addition to the General
Limitations: 1) Benefits are only available under                Loss of a hand or foot means complete severance at or
                                                                                                                                                      Exclusions, coverage is not provided for loss due to: (a)
Emergency Medical Transportation if they are not provided        above the wrist or ankle joint. The Insurer will not pay
                                                                                                                                                      any loss which occurs if the Insured or his/her Traveling
under another coverage in the policy. 2) The Maximum             more than 100% of the Maximum Limit for all losses due
                                                                                                                                                      Companion is in violation of the rental agreement; (b)
Limit payable for both Emergency Evacuation and                  to the same accident. Loss of sight of an eye means
                                                                                                                                                      rentals of trucks, campers, trailers, off-road vehicles,
Repatriation of Remains is shown in the Schedule of              complete and irrecoverable loss of sight.
                                                                                                                                                      motor bikes, motorcycles, recreational vehicles, or Exotic
Benefits.                                                        Additional Exclusion: In addition to the General
                                                                                                                                                      Vehicles; (c) any obligation the Insured or his or her
The Insured Must: Contact AIG Travel Assist                      Exclusions, the Insurer will not pay for loss caused by or
                                                                                                                                                      Traveling Companion assumes under any agreement
(1.800.826.1300 or collect 1.715.345.0505) prior to              resulting from Sickness or disease of any kind.
                                                                                                                                                      except insurance collision deductible; (d) failure to report
arranging emergency medical transportation or                                                                                                         the loss to the proper local authorities and the rental car
repatriation of remains. Failure to do so may affect
coverage.
                                                                           OPTIONAL FLIGHT GUARD –                                                    company; (e) damage to any other vehicle, structure, or
                                                                           FLIGHT ACCIDENT BENEFIT                                                    person as a result of a covered loss; (f) driving under the
Enhanced Emergency Medical Transportation:                                                                                                            influence of alcohol; (g) Injury sustained while committing
Transportation to Join the Insured: If the Insured is            The Insurer will pay the percentage shown below if an
                                                                 Insured suffers an Injury which results in one of the losses                         or attempting to commit a crime (not applicable in FL.)
hospitalized for more than 7 days following a covered                                                                                                 The Insured’s Duties in the Event of Loss: The Insured
emergency evacuation expense, the Insurer will pay               listed below: 1) while he or she was riding as a passenger
                                                                 on or boarding or alighting from a Scheduled Air Carrier,                            must: take all reasonable, necessary steps to protect the
subject to the limitations set out herein, for expense to                                                                                             vehicle and prevent further damage to it; report the loss to
bring one person chosen by the Insured to and from the           and 2) within 365 days of the accident that caused the
                                                                 Injury.                                                                              the appropriate local authorities and the rental company
Hospital or other medical facility where the Insured is                                                                                               as soon as possible; obtain all information on any other
confined if the Insured is alone but not to exceed the cost      The Maximum Limit for this benefit is under the
                                                                 Accidental Death and Dismemberment benefit.                                          party involved in an accident, such as name, address,
of one round-trip economy airfare ticket. This coverage                                                                                               insurance information, and driver’s license number; and
applies only if the Umbrella Package is purchased.               “Scheduled Air Carrier” means any air carrier holding a
                                                                 certificate, license, or similar authorization for civilian-                         provide the Insurer all documentation such as rental
                                                                 scheduled air transport issued by the country of the                                 agreement, police report, and damage estimate.
            ACCIDENTAL DEATH AND
              DISMEMBERMENT                                      aircraft’s registry, and which in accordance with that
This coverage applies only if the Umbrella Package is            authorization flies, maintains, and publishes schedules                                           PAYMENT OF CLAIMS
                                                                 and tariffs for regular passenger service between named                              Claim Procedures: Notice of Claim: The Insured must
purchased. The Insurer will pay this benefit up to the                                                                                                call AIG Travel Guard as soon as reasonably possible, and
Maximum Limit shown on the Schedule of Benefits if: (a)          cities at regular and specified times, but only if the aircraft
                                                                 is then being used for any regular or chartered flight                               be prepared with what coverage the loss was under (i.e.,
the Insured is injured in an accident which happens while                                                                                             Medical Expenses), the name of the company that
he/she is on a Trip and covered under the policy; and (b)        operated by such carrier.
                                                                                                                                                      arranged the Trip (i.e., tour operator, cruise line, or charter
he/she suffers one of the losses listed below, within 365                                                                                             operator), the Trip dates, and the amount that the Insured
days of the accident.
                             16                                                                         17                                                                          18
paid. AIG Travel Guard will fill in the claim form and forward    Misstatement of Age: (Not applicable to FL Residents) If      Notice to California residents: The plan contains disability
it to the Insured for his or her review and signature. The        premiums for the Insured are based on age and the             insurance benefits or health insurance benefits, or both,
completed form should be returned to AIG Travel Guard             Insured has misstated his or her age, there will be a fair    that only apply during your covered Trip. You may have
Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin          adjustment of premiums based on his or her true age.          coverage from other sources that already provides you
54481 (1.800.826.1300). All claims of California residents will   Payment of Claims: To Whom Paid: Benefits for Medical         with these benefits. You should review your existing
be administered by Mercury Claims Administrator Services,         Expense/Emergency Medical Transportation services may         policies. If you have any questions about your current
LLC. All accident, health, and life claims will be administered   be payable directly to the provider of the services.          coverage, call your insurer or health plan.
by Mercury Claims & Assistance of WI, LLC, in those states        However, the provider: (a) must comply with the statutory
where it is licensed.                                             provision for direct payment, and (b) must not have been      Notice to Florida residents: The benefits of the Policy
Claim Procedures: Proof of Loss: The claim forms must             paid from any other sources.                                  providing your coverage are governed primarily by the law
be sent back to Insurer no more than 90 days after a              Problems with the insurance? If so, do not hesitate to        of a state other than Florida.
covered loss occurs. Failure to furnish proof within the          contact AIG Travel Guard to resolve your problem at 1145
time required neither invalidates nor reduces any claim if it     Clark Street, Stevens Point, WI 54481, or call                 Notice: Your homeowners policy, if any, may provide
was not reasonably possible to give proof within such             1.800.826.1300.                                                coverage for loss of personal effects provided by any
time, provided such proof is furnished as soon as                                                                                Baggage/Personal Effects coverage provided by the policy.
reasonably possible and in no event, except in the absence                     GENERAL PROVISIONS                                This insurance is not required in connection with the
of legal capacity of the claimant, no later than one year         Autopsy – The Insurer at its own expense, may require an Insured's purchase of travel tickets.
after the proof of loss is otherwise required.                    autopsy where permitted by law.
If Insurer has not provided claim forms within 15 days after      Concealment or Fraud — The Insurer does not provide The definition of “Hospital” applicable to residents of
the notice of claim, other proofs of loss should be sent to       coverage for the Insured if the Insured has intentionally Florida includes a facility that is accredited by the Joint
Insurer by the date proof of loss would be due. The proof         concealed or misrepresented any material fact or Commission on the Accreditation of Hospitals, the
of loss should include written proof of the occurrence, type      circumstance relating to the Insured’s coverage or claim.      American Osteopathic Association, or the Commission on
and amount of loss, the Insured’s name, the participating         Insurer’s Recovery Rights – In the event of a payment the Accreditation of Rehabilitative Facilities.
organization name, and the policy number.                         under the policy, the Insurer is entitled to all rights of
Payment of Claims: To Whom Paid: Benefits paid on                 recovery that the Insured, or the person to whom payment For inquiries, information about coverage or for assistance
account of an Insured’s death will be paid to:                    was made, has against another. The Insured must sign and in resolving complaints call: 1.800.826.1300.
(1) the Beneficiary named by the Insured and on file with         deliver to the Insurer any legal papers relating to that
     the Insurer                                                  recovery, do whatever is necessary to help the Insurer Notice to Texas residents: The policy may provide a
(2) the Insured’s spouse, if living. If no living spouse, then    exercise those rights, and do nothing after the loss to harm duplication of coverage already provided by the Insured’s
(3) in equal shares to his/her living children. If there are      the Insurer’s rights. When an Insured has been paid personal auto insurance, homeowner’s, personal liability
     none, then                                                   benefits under the policy but also recovers from another policy, or other source of coverage.
(4) in equal shares to his/her living parents. If there are       policy, the amount recovered from the other policy shall be
     none, then                                                   held in trust for the Insurer by the Insured and reimbursed                   AIG TRAVEL ASSIST
(5) in equal shares to his/her living brothers and sisters. If    to the Insurer the extent of the Insurer’s payment. This All AIG Travel Assist services provided are services, and are
                                                                  provision does not apply where prohibited by law.              not insurance benefits and are not provided by the Insurer.
     there are none, then
                                                                  Legal Actions – No one may sue for benefits less than 60                       24-Hour Medical Assistance
(6) to the Insured’s estate.
                                                                  days after due proof of loss is submitted, nor more than 3     24-Hour Medical Monitoring — Physicians monitor the
If a benefit is payable to a minor or other person who is
incapable of giving a valid release for payment, the              years (or the minimum period of time permitted by state Insured’s condition by maintaining close contact with the
payment will be made to the legal guardian of the payee’s         law, if greater, in FL 5 years) after the date claim forms are attending Physicians, his/her family Physician, and
                                                                  due.                                                           Immediate Family Members.
property. If the payee has no legal guardian for his or her
property, the Insurer may pay up to $1,000 at the Insurer’s       Payment of Premium – Coverage is not effective unless Medical Evacuation — Arrangements for any and all
option, to a relative by blood or connection by marriage          all premium due has been paid to AIG Travel Guard prior to means necessary to transport the Insured back home
                                                                  a date of loss or insured occurrence.                          when medically necessary.
who, in the Company’s opinion, has assumed care or
custody of the minor or responsibility for the incompetent        Termination of the Policy – Termination of the policy will Emergency Medical Payments — If a Hospital demands
person’s affairs. Any payment Insurer makes in good faith         not affect a claim for loss which occurs while the Insured’s a cash deposit or settlement prior to leaving, AIG Travel
                                                                  coverage is in force.                                          Assist will assist in arranging the advancement of funds to
fully discharges Insurer to the extent of that payment.
All other benefits will be payable to the Insured.                Transfer of Coverage – Coverage under the policy cannot cover on-site Medical Expenses.
Payment of Claims: When Paid: Claims will be paid as              be transferred by the Insured to anyone else.                  Prescription Assistance — Replacement of lost or stolen
soon as Insurer receives complete proof of loss (and                                                                             medication, through a local pharmacy or special courier.
verification of age).
                              19                                                              20                                                             21
Transportation of Dependents — In the event of                   Event Ticketing — AIG Travel Assist will assist with the           the time and paperwork associated with reimbursement of
hospitalization, arrangements will be made for unattended        purchase of tickets to such events as sporting events,             medical expenses. Our assistance coordinators also can
minors traveling with the Insured to be flown home.              theatre, and concerts. Based on availability.                      help you locate the nearest and most appropriate medical
Family Visit — If the Insured is hospitalized for ten or more    Tee Times and Course Recommendations — AIG Travel                  provider, monitor your care, and provide updates to your
days, AIG Travel Assist will arrange transportation for an       Assist will facilitate the reservation of tee times at available   family and/or employer.
Immediate Family Member or close friend to visit him/her.        courses and recommend alternatives in case of a booked
Transportation of Mortal Remains — In the event of               course. Based on availability.                                Travel to sanctioned countries
death while traveling, arrangements for the return of            Floral Services — AIG Travel Assist will facilitate the       Federal law prohibits unlicensed travel to sanctioned
remains to the place of burial.                                  ordering of flowers for such events as birthdays,             countries by U.S. citizens and permanent residents.
                  24-Hour Legal Assistance                       anniversaries, holidays, and other special occasions.         Therefore, any expenses incurred or claims made related
In a legal emergency, referral to a local legal advisor and                                                                    to travel to a sanctioned country are not covered under this
advance of funds for bail and legal fees.                                          IDENTITY THEFT                              plan, unless the insured is traveling under a license issued
                  24-Hour Travel Assistance                      Assist identity theft victim by ordering and reviewing credit by the U.S. Department of Treasury Office of Foreign Asset
Travel Documents Assistance — AIG Travel Assist will help        bureau records on their behalf.                               Control. For more information on these sanctions, please
retrieve, report, and reissue lost or stolen travel documents.   Investigate financial accounts where identity theft is review the Office of Foreign Asset Control internet website
Emergency Cash Transfer — AIG Travel Assist will,                suspected.                                                    at :
whenever possible, coordinate with the Insured and a wire        Interact with law enforcement to pursue prosecution of                  www.treas.gov/offices/enforcement/ofac/
agency, in obtaining funds in local currency for medical or      criminals.
travel emergencies.                                              Review account activity to identify any suspicious
Emergency Message Center — Transmission of                       activities.
emergency messages to family and business associates.            Review and resolve victim's issues.
Interpretation Services: AIG Travel Assist will provide
emergency language support or referral to the appropriate                     BUSINESS ASSISTANT
local services.                                                   (Available only with Cancel for Work Reasons Option)

 24-HOUR LIVETRAVEL® ASSISTANCE                                  Our Business Assistant service is available to you 24 hours
Provides 24-hour assistance for emergency travel needs.          a day, anywhere in the world. We’ll help you make short
Allows you to make emergency travel changes such as              work of your business obligations, so you can enjoy your
rebooking flights, making hotel reservations, tracking lost      vacation.
luggage, and replacing lost credit cards. Call
1.800.826.8597 for assistance.                               Our services include:
Live Messaging — Relay of e-mail or phone message to         • Emergency dictation and business correspondence
family, friends, or business associates.                         assistance.
Emergency Cash Transfer — Assistance in coordinating         • Business Service location assistance (quick printers,
an emergency cash advance.                                       internet cafes, overnight delivery, etc).
Pre-trip Travel Advice — Around-the-clock access to          • “411” Global Directory Service.
passport, visa, inoculation, and vaccine requirements;       • Wireless Accessory Replacement Assistance.
travel advisories; embassy and consulate contacts; travel    • Business Conference Call Coordination.
health advisories; weather and currency information – all    • Urgent Messaging to clients, colleagues & family
for the Insured’s planned Destination.                           members.
                                                             • Up-to-the-minute travel delay and departure reports.
              CONCIERGE SERVICES                             • Driving and walking directions worldwide.
Restaurant Referrals and Reservations — AIG Travel • Emergency return travel arrangements.
                                                                                                                                                       When calling from the U.S., 1.800.826.1300.
Assist will supply a restaurant referral based on your needs
                                                                                                                                                   When calling from abroad, call collect 1.715.345.0505.
and desires. Additionally AIG Travel Assist will arrange for Non-insurance services are provided by AIG Travel Assist.
                                                                                                                                                               LiveTravel 24-Hour Assistance,
reservations at the recommended restaurant. Based on
                                                                                                                                                     Pre-Trip Advice, Live Messaging: 1.800.826.8597
availability.                                                Make sure you call AIG Travel Assist (1.800.826.1300 or                                     We will coordinate your assistance needs
Ground Transportation — AIG Travel Assist will locate and collect 1.715.345.0505) before you seek medical care while                                          with the appropriate TGA Center.
arrange for a transportation service to pick you up and traveling. Where available, we can arrange direct payment
deliver you to your desired destination.                     to a member of our Preferred medical network, saving you               306700-CT P1     3/07        AIG TRAVEL GUARD                           4/07
                             22                                                                 23                                                                          24

				
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