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)
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
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.
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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
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
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.
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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).
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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
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