DESCRIPTION OF COVERAGE Underwritten by Arch Insurance Company

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DESCRIPTION OF COVERAGE Underwritten by Arch Insurance Company Powered By Docstoc
					                  DESCRIPTION OF COVERAGE                                     The Pre-Existing Condition exclusion will be waived if the
   Underwritten by Arch Insurance Company                                     protection plan is purchased within 21 days of the initial Trip
                                                                              deposit and You are not disabled from travel at the time You pay
      Master Contract Number: 11TVL7033502
                                                                              the plan cost, You purchase the policy for the full non-
 Notice to residents of WA: This is not Your Description of
                                                                              refundable cost of Your Trip and the booking for the Trip is the
 Coverage. To obtain Your state-specific insurance policy,
                                                                              first and only booking for this travel period and destination.
 call 1-866-890-6499.
                                                                                                FOURTEEN-DAY FREE LOOK
 You are not eligible for insurance under the plan until You
 have enrolled for coverage and paid the appropriate premium                 You may cancel insurance under the policy by giving your property
 and providing You have not already departed on Your Trip.                   manager written notice within the first to occur of the following:
                                                                             (a) 14 days from the Effective Date of Your coverage; or (b)
                                                                             Your Scheduled Departure Date. If You do this, the Company
                            Trip Preserver                                   will refund Your premium paid provided You have not filed a
                           T-4141 (9/1/2010)                                 claim under the policy.

Schedule of                                       Maximum Benefits                    PART A - TRAVEL PROTECTION
Coverage & Services                                     Per Rental
                                                                             TRIP CANCELLATION:
Part A – Travel Protection                                                   The Company will pay a benefit, up to the maximum shown on the
Trip Cancellation ............................................Trip Cost*     Schedule of Coverage and Services, if You are prevented from taking
Trip Interruption ............................................. Trip Cost*   or continuing Your Trip due to the following Unforeseen events:
Trip Delay ............................................. $750 ($200/day)
                                                                             (a) Sickness, Accidental Injury or death of You, Your Traveling
Part B – Medical Protection
                                                                             Companion, or Family Member or Business Partner of You or Your
Emergency Accident and                                                       Traveling Companion; which results in medically imposed restrictions
Sickness Medical Expense ............................... $25,000             as certified by a Physician at the time of Loss preventing Your
Emergency Evacuation and                                                     continued participation in the Trip. A Physician must advise
Repatriation of Remains ................................. $525,000           cancellation of the Trip on or before the Scheduled Departure Date.
                                                                             (b) You or Your Traveling Companion being hijacked, quarantined,
Part C – Baggage Protection                                                  required to serve on a jury, subpoenaed, required to appear as a
Baggage and Personal Effects……………...........$1,250                           witness in a legal action, provided You or Your Traveling Companion
   Per article                                       $500                    are not a party to the legal action or appearing as a law enforcement
   Combined limit for valuables                      $500                    officer, the victim of felonious assault within 10 days of departure; or
Baggage Delay – 12 hours ................ $1,000 ($200/day)                  having Your principal place of residence made uninhabitable by fire,
                                                                             flood or other Natural Disaster; or burglary of Your principal place of
Part D – Travel Accident Protection                                          residence within 10 days of departure.
Accidental Death & Dismemberment …………….. $100,000                            (c) You or Your Traveling Companion being directly involved in a
                                                                             traffic Accident substantiated by a police report, while en route to
Part E – Collision Damage Waiver
                                                                             Your travel destination.
Collision Damage Waiver………………………$25,000 per vehicle                          (d) If within 30 days of Your departure, a politically motivated
                                                                             Terrorist Attack occurs within the territorial limits of a City listed on
Worldwide Emergency Assistance Services                                      Your itinerary. The Terrorist Attack must occur after the Effective
Roadside Assistance Services                                                 Date of Your Trip Cancellation coverage.
                                                                             (e) You or Your Traveling Companion who are military
                                                                             personnel, and are called to emergency duty for a Natural
* Up to the rental cost paid, up to a maximum of $100,000                    Disaster or if within 30 days of departure has their leave
                                                                             revoked or is reassigned.
                                                                             (f) You or Your Traveling Companion is terminated, or laid off
                                                                             from employment subject to one year of continuous employment at
                                                                             the place of employment where terminated.
                                                                             (g) Natural Disaster at the site of Your destination which
                                                                             renders Your destination accommodations uninhabitable.
                                                                             (h) Mandatory evacuation ordered by local authorities at Your final
                                                                             destination due to hurricane or other Natural Disaster. You must have
LTP 2007
4 days or 50% of Your total Trip length or less remaining at the time the        interrupted the Trip. (Airfare limited to the cost of one-way         The Company will advance payment to a Hospital, up to the maximum
mandatory evacuation ends, in order to cancel the Trip.                          airfare using the same class of fare as the original travel ticket)   shown on the Schedule of Coverage and Services, if needed to secure
(i) Named hurricane causing cancellation of travel to Your destination                                                                                 Your admission to a Hospital because of Accidental Injury or
that is uninhabitable for the greater of: (1) 4 days or (2) 50% of Your          In no event shall the amount reimbursed exceed the lesser of          Sickness.
trip length. The Company will only pay benefits for Losses occurring             the amount You prepaid for the Trip or the maximum benefit
within 30 calendar days after the named hurricane makes Your                     shown in Schedule of Coverage and Services.                           The Company will pay benefits, up to $1,000, for emergency dental
destination accommodations uninhabitable. Your destination is                                                                                          treatment for Accidental Injury to sound natural teeth.
                                                                                 TRIP DELAY:
uninhabitable if: (i) the building structure itself is unstable and there is a
                                                                                 The Company will reimburse You for Covered Expenses on a              EMERGENCY MEDICAL EVACUATION BENEFIT: The
risk of collapse in whole or in part; (ii) there is exterior or structural
                                                                                 one-time basis, up to the maximum shown in the Schedule of            Company will pay, subject to the limitations set out herein, for
damage allowing elemental intrusion, such as rain, wind, hail or flood;
                                                                                 Coverage and Services if You are delayed en route to or from the      Covered Emergency Evacuation Expenses reasonably incurred if You
(iii) immediate safety hazards have yet to be cleared such as debris on
                                                                                 Trip for twelve (12) or more hours due to a Hazard: Covered           suffer an Injury or Emergency Sickness that warrants Your
roofs or downed electrical lines; or (iv) the rental property is without
                                                                                 Expenses Include:                                                     Emergency Evacuation while on a Trip. Benefits payable are
electricity or water. Benefits are not payable if a hurricane is named on
or before the Effective Date of Your Trip Cancellation coverage.                                                                                       subject to the Maximum Amount per person shown in the
                                                                                 (a) Any prepaid, unused, non-refundable land and water
(j) The primary or secondary school where You, Your                                                                                                    Schedule of Coverage and Services for all Emergency
                                                                                     accommodations; or any reasonable additional expenses
Traveling Companion or Your Dependent Child(ren) attend(s) must                                                                                        Evacuations due to all Injuries from the same Accident or all
                                                                                     incurred for meals and accommodations limited to $200 per day;
extend its operating session beyond the predefined school year, due                                                                                    Emergency Sicknesses from the same or related causes. A legally
                                                                                 (b) An Economy Fare from the point where You ended Your
to Unforeseen events commencing during the policy effective                                                                                            licensed Physician, in coordination with the Assistance Company,
                                                                                     Trip to a destination where You can catch up to the Trip; or a
period, and the travel dates for the Covered Trip fall within the period                                                                               must order the Emergency Evacuation and must certify that the
                                                                                     one-way Economy Fare to return You to Your originally
of the school year extension. Extensions due to extra-curricular or                                                                                    severity of Your Injury or Emergency Sickness warrants Your
                                                                                     scheduled return destination.
athletic events are not covered.                                                                                                                       Emergency Evacuation to the closest adequate medical facility. In
(k) A road closure causing a delay in reaching Your destination.                                                                                       the sole discretion of the Assistance Company, it must be
(l) A documented theft of passports or visas.                                            PART B – MEDICAL PROTECTION                                   determined that such Emergency Evacuation is required due to the
(m) Strike that causes complete cessation of services for at least                                                                                     inadequacy of local facilities. The certification and approval for
                                                                                 EMERGENCY ACCIDENT AND SICKNESS MEDICAL
24 consecutive hours. A Strike is foreseeable on the date labor union                                                                                  Emergency Evacuation must be coordinated through the most
                                                                                 EXPENSE :
members vote to approve a Strike.                                                                                                                      direct and economical conveyance and route possible, such as
                                                                                 The Company will pay benefits up to the maximum shown in
(n) Weather which causes complete cessation of services of Your                                                                                        air or land ambulance, or commercial airline carrier.
                                                                                 Schedule of Coverage and Services, if You incur Covered
Common Carrier for at least 24 consecutive hours and prevents You                Medical Expenses as a result of Emergency Treatment of an
from reaching Your destination.                                                                                                                        Covered Emergency Evacuation Expenses are those for Medically
                                                                                 Accidental Injury which occurs while on Your Trip or a Sickness       Necessary Transportation, including reasonable and customary medical
(o) A transfer of You by the employer with whom You are employed on Your         which first manifests itself during the Trip.
Effective Date which requires Your principal residence to be relocated.                                                                                services and supplies incurred in connection with Your Emergency
                                                                                                                                                       Evacuation. Expenses for Transportation must be: (a) recommended
                                                                                 Emergency Treatment means necessary medical treatment,                by the attending Physician; (b) required by the standard regulations
The Company will reimburse You for the following:                                including services and supplies, which must be performed
a)   Non-refundable cancellation charges imposed by the Travel                                                                                         of the conveyance transporting You and (c) reviewed and pre-
                                                                                 during the Trip due to the serious and acute nature of the            approved by the Assistance Company.
     Suppliers.                                                                  Injury or Sickness.
b)   Airfare cancellation charges for flights joining or                                                                                               The Insurer will also pay reasonable and customary charges for
     departing Your Land/Sea Arrangements.                                       Covered Medical Expenses are necessary services and                   escort expenses required by You, if You are disabled during a Trip
                                                                                 supplies which are recommended by the attending Physician.            and an escort is recommended in writing, by Your attending
Special Conditions: You must advise the property management
                                                                                 They include but are not limited to:                                  Physician and must be pre-approved by the Assistance Company.
company and Travel Insured International as soon as possible in the
                                                                                   (a) The services of a Physician;
event of a claim. The Company will not pay benefits for any additional
                                                                                   (b) Charges for Hospital confinement and use of                     If You are hospitalized for more than 7 days following a
charges incurred that would not have been charged had You notified
                                                                                   operating rooms;                                                    Covered Emergency Evacuation Expense, the Company will pay
the Travel Supplier as soon as reasonably possible.
                                                                                   (c) Charges for anesthetics (including administration); x-ray       subject to the limitations set out herein, for expenses:
TRIP INTERRUPTION:                                                                 examinations or treatments, and laboratory tests;
The Company will pay a benefit, up to the maximum shown in the                     (d) Ambulance service; and                                            1)   To return to the where they reside, with an attendant if
Schedule of Coverage and Services, if You are unable to continue Your              (e) Drugs, medicines, prosthetics and therapeutic                          necessary, any of Your Dependent Children who were
Trip due to the Unforeseen events listed under Trip Cancellation:                  services and supplies.                                                     accompanying You when the Injury or Emergency Sickness
The Company will pay for the following:                                                                                                                       occurred and were left alone: but not to exceed the cost of a
a) Unused, non-refundable travel arrangements prepaid to the Travel              The Company will not pay benefits in excess of the reasonable                single one-way economy airfare ticket less the value of applied
Suppliers.                                                                       and customary charges. Reasonable and customary charges                      credit from any unused return travel tickets per person.
b) Up to the maximum shown in the Schedule of Coverage and                       means charges commonly used by Physicians in the locality in            2)   To bring one person chosen by You to and from the Hospital
Services for the airfare paid, less the value of applied credit from an          which care is furnished. The Company will not cover any                      or other medical facility where You are confined if You
unused return travel ticket to return You to the return destination of the       expenses provided by another party at no cost to You or already              are traveling alone: but not to exceed the cost of one
Trip as specified in the original travel documents from the point where          included within the cost of the Trip.                                        round-trip economy airfare ticket.
You interrupted the Trip or rejoin the Trip from the point where You
Medically Necessary Repatriation: Following a covered Emergency                  The Baggage and personal effects must accompany You during             If more than one loss is sustained as the result of an Accident, the
Evacuation expense or a covered medical expense, the Insurer will pay to         the Trip. Original receipts must be provided for reimbursement.        amount payable shall be the largest amount of a sustained loss
return You from the location to which You were evacuated or became sick or                                                                              shown in the Table of Losses.
injured to Your return destination or the Hospital nearest Your home if          There will be a per article limit shown on the Schedule of
medically necessary and authorized by the Assistance Company via                 Coverage and Services.                                                                           TABLE OF LOSSES
Common Carrier within one year from Your original Trip completion date.          There will be a combined maximum limit shown on the Schedule
                                                                                 of Coverage and Services for the following: jewelry; watches;          Loss of:                                      Percentage of
Commercial airfare costs will be in the same class of service, as Your           articles consisting in whole or in part of silver, gold or platinum;                                                 Principal Sum:
original airline tickets, or in business or first class as in compliance with    furs; articles trimmed with or made mostly of fur; sporting
Your medical necessities and requirements upon Your discharge, less              equipment, Ski Equipment, personal computers, radios,                  Life                                               100%
refunds from Your unused transportation tickets.                                 cameras, camcorders and their accessories and related                  Both hands or both feet                            100%
In addition to the above covered expenses, if the Insurer has                    equipment and other electronic items.
previously evacuated You to a medical facility, the Insurer will pay Your                                                                               Sight of both eyes                                 100%
airfare costs from that facility to Your primary residence, within one           The Company will also reimburse You for charges and interest           One hand and one foot                              100%
year from Your original Scheduled Return Date, less refunds from Your            incurred due to unauthorized use of Your credit cards if such use      Either hand or foot and sight of one eye           100%
unused transportation tickets. Airfare costs will be economy, or first           occurs during Your Trip and if You have complied with all credit       Either hand or foot                                50%
class if Your original tickets are first class. This benefit is available only   card conditions imposed by the credit card companies.
if it is not provided under another coverage in the policy.                                                                                             Sight of one eye                                   50%
                                                                                 The Company will reimburse You for fees associated with the            Speech and hearing in both ears                    100%
Emergency Evacuation means Your medical condition warrants                       replacement of Your passport during Your trip. Receipts are            Speech                                             50%
immediate transportation from the place where You are injured or                 required for reimbursement.
sick to the nearest Hospital where appropriate medical treatment can be                                                                                 Hearing in both ears                               50%
obtained. Transportation means any land, sea or air conveyance required          The Company will pay the lesser of the following: Actual Cash          Thumb and index finger of same hand                25%
to transport You during an Emergency Evacuation. Transportation                  Value at time of loss, theft or damage to baggage and personal
includes, but is not limited to, Common Carrier, air ambulances, land            effects, less depreciation as determined by the Company; or the        "Loss" with regard to:
ambulances and private motor vehicles.                                           cost of repair or replacement.
                                                                                                                                                        1.   Hand or foot, means actual complete severance through
Emergency Sickness means an illness or disease, diagnosed by a                   EXTENSION OF COVERAGE:                                                      and above the wrist or ankle joints;
legally licensed Physician, which meets all of the following criteria: (1)       If You have checked Your property with a Common Carrier and            2.   Eye means an entire and irrecoverable loss of sight;
there is a present severe or acute symptom requiring immediate care              delivery is delayed, coverage for Baggage/Personal Effects will        3.   Speech or hearing means entire and irrecoverable loss of
and the failure to obtain such care could reasonably result in serious           be extended until the Common Carrier delivers the property.                 speech or hearing of both ears; and
deterioration of Your condition or place Your life in jeopardy; (2) the                                                                                 4.   Thumb and index finger means actual severance through or
severe or acute symptom occurs suddenly and unexpectedly; and (3)                BAGGAGE DELAY (OUTWARD JOURNEY ONLY):                                       above the joint that meets the finger at the palm.
the severe or acute symptom occurs while Your coverage is in force               The Company will reimburse You for the expense of necessary
and during Your Trip.                                                            personal effects, up to the maximum shown in Schedule of               EXPOSURE:
                                                                                 Coverage and Services, if Your Checked Baggage is delayed              The Company will pay benefits for covered losses which result from
Repatriation of Remains. The Company will pay the reasonable Covered                                                                                    You being unavoidably exposed to the elements due to an Accident.
                                                                                 or misdirected by a Common Carrier for more than twelve (12)
Expenses incurred to return Your body to Your primary residence if You           hours, while on a Trip, except for travel to final destination or      The loss must occur within 365 days after the event which caused
die during the Trip. This will not exceed the maximum shown on the               place of residence. You must be a ticketed passenger on a              the exposure.
Schedule of Coverage and Services.                                               Common Carrier.
Covered Expenses include, but are not limited to, expenses for                   Additionally, all claims must be verified by the Common                DISAPPEARANCE:
embalming, casket for transport and transportation.                              Carrier who must certify the delay or misdirection and receipts        The Company will pay benefits for loss of life if Your body cannot
                                                                                 for the purchases must accompany any claim.                            be located one year after Your disappearance due to an Accident.
All Covered Expenses must be approved in advance by the
Assistance Company.                                                                                                                                          PART E –COLLISION DAMAGE WAIVER
                                                                                   PART D –TRAVEL ACCIDENT PROTECTION
All transportation must be authorized and arranged by the                        ACCIDENTAL DEATH AND DISMEMBERMENT:                                                 (Not available for residents of WA and TX)
Assistance Company.                                                              The Company will pay the percentage of the Principal Sum
                                                                                 shown in the Table of Losses when You, as a result of an               COLLISION DAMAGE WAIVER:
        PART C –BAGGAGE PROTECTION                                               Accidental Injury occurring during the Covered Trip, sustains a        If You rent a car while on the Trip, and the car is damaged due to
                                                                                 loss shown in the Table below. The loss must occur within 365          collision, theft, vandalism, windstorm, fire, hail, flood or any cause not
BAGGAGE & PERSONAL EFFECTS:                                                      days after the date of the Accident causing the loss.                  within Your control while in Your possession, the Company will pay
The Company will reimburse You, up to the maximum shown on the                                                                                          the lesser of:
Schedule of Coverage and Services, for Loss, theft or damage to                  The Principal Sum is shown on the Schedule of Coverage and
Baggage and personal effects, provided You have taken all reasonable             Services.                                                              a)    The cost of repairs and rental charges imposed by the rental
measures to protect, save and/or recover Your property at all times.                                                                                          company while the car is being repaired; or
b)      The Actual Cash Value of the car, meaning purchase price         INCLUDED SERVICES:
        less depreciation; or                                            TOWING ASSISTANCE – If an eligible vehicle becomes                        ELIGIBLE TRAVEL:
(c)      The amount shown on the Schedule of Coverage and                disabled and cannot be started or put in a safe, operable                 Roadside Assistance under the policy will be provided during the
         Services.                                                       condition, towing to a service facility within five (5) miles of the      period of forty-eight hours prior to your scheduled rental check-in
                                                                         vehicle location will be provided.                                        date through forty-eight hours following your scheduled rental check-
Coverage is provided to You and Your Traveling Companions,               FLAT TIRE ASSISTANCE – Service assistance will be provided                out date.
provided You and Your Traveling Companions are licensed drivers,         to remove a flat or damaged tire and replace it with an inflated
and are listed on the rental agreement.                                  spare. If there is no inflated spare, the flat is on an inner rim tire,   NON-SERVICEABLE CONDITIONS:
                                                                         or there is more than one flat tire, the vehicle will be towed in         (i) The vehicle is partially or entirely submerged in water, sand, mud
        WORLDWIDE EMERGENCY ASSISTANCE                                   accordance with the provisions under "Towing." Trailers up to 21          or snow and cannot be serviced with standard equipment. However,
                   SERVICES:                                             feet, while in tow, are eligible for tire change only when an             upon approval, service for such vehicles may be made available as a
                                                                         inflated spare is available.                                              Special Service and at additional expense.
            NON-INSURANCE SERVICES                                                                                                                  (ii) The vehicle is located where it would be illegal or dangerous to
The Travel Assistance feature provides a variety of travel               OIL, FUEL, AND WATER DELIVERY SERVICE – An                                render service.
related services. Services offered include:                              emergency supply of fuel, oil and water when readily obtainable           (iii) The vehicle has been reported stolen, has been impounded,
                                                                         will be delivered to a vehicle in immediate need. Supplies are to         partially dismantled or altered.
       • Medical evacuation • Medically Necessary Repatriation           be paid for by policyholder at prevailing retail prices. If               (iv) The tow would result in the breaking of an ordinance or law.
   • Repatriation of Remains • Medical or Legal Referral • Inoculation   emergency supplies are not readily available, the vehicle will be
  Information • Hospital Admission Guarantee • Translation Service •     towed in accordance with the provisions under "Towing."
Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash
                                                                                                                                                             LIMITATIONS AND EXCLUSIONS
    Advance • Bail Bond • Prescription Drug/Eyeglass Replacement         LOCK-OUT ASSISTANCE – Lockout service is rendered when                    The following exclusions apply: This policy does not cover Loss caused
                                                                         the ignition key is locked inside the passenger compartment.              by or resulting from:
Payment reimbursement to the Assistance Company is Your                  Service is provided by the nearest Service Unit using                     1. Pre-Existing Conditions, as defined in the Definitions section (except
responsibility.                                                          conventional tools to open the passenger compartment door. If                 Emergency Evacuation and Repatriation of Remains), unless the
                                                                         the service operator is unable to gain entry without material risk            policy is purchased within 21 days of the initial Trip deposit. The
                  24-Hour Emergency Assistance                           to the vehicle, the vehicle may be towed to a locksmith in                    booking for the Trip must be the first and only booking for this travel
                        Telephone Numbers                                accordance with the provisions under "Towing". The Roadside                   period and destination, You are not disabled from travel at the time
                           1.888.268.2824                                Assistance Company does not contract with locksmiths.                         You pay the premium, and You must purchase this policy for the full
                           or call collect:                              Locksmith services are at policyholder's expense.                             non-refundable cost of Your Trip;
                                                                                                                                                   2. Suicide, attempted suicide or any intentionally self-inflicted
       Be sure to use the appropriate country and city codes             BATTERY ASSISTANCE – If battery failure occurs, a jump-start                  Injury while sane or insane (in Missouri, sane only)
                            when calling.                                will be applied to start the vehicle to place it in an operable               committed by You, Your Traveling Companion, or Family
      KEEP THESE NUMBERS WITH YOU WHEN YOU TRAVEL                        condition.                                                                    Member whether insured or not;
                                                                                                                                                   3. War, invasion, acts of foreign enemies, hostilities between nations
                                                                         MECHANICAL FIRST AID - If the vehicle is disabled due to                      (whether declared or not), civil war;
Travel assistance services are provided by an independent                mechanical failure, service will consist of minor mechanical              4. Participation in any military maneuver or training exercise;
organization and not by Arch Insurance Company There may                 adjustments that may be possible at the scene of disablement in           5. Piloting or learning to pilot or acting as a member of the crew
be times when circumstances beyond the Assistance Company’s              order to place the vehicle in a safe, operable condition.                     of any aircraft;
control hinder their endeavors to provide travel assistance services.                                                                              6. Mental or emotional disorders, unless hospitalized;
They will, however, make all reasonable efforts to provide travel        ELIGIBLE VEHICLES:                                                        7. Participation as a professional in athletics;
assistance services and help you resolve your emergency situation.       Eligible vehicles include all currently registered passenger              8. Being under the influence of drugs or intoxicants, unless
                                                                         automobiles, vans, light utility trucks, small campers, and                   prescribed by a Physician;
        ROADSIDE ASSISTANCE SERVICES:                                    motorcycles that do not exceed 3/4-ton factory-rated load                 9. Commission or the attempt to commit a criminal act by You, Your
                                                                         capacity.                                                                     Traveling Companion or Family Member whether insured or not;
           NON-INSURANCE SERVICES                                                                                                                  10. Participating in bodily contact sports; skydiving; hang gliding;
                                                                         VEHICLES NOT ELIGIBLE FOR SERVICE:                                            parachuting; mountaineering where ropes or guides are normally
ROADSIDE ASSISTANCE:                                                     Trucks and other commercial-type vehicles with a factory-rated                used; any race, bungee cord jumping; speed contest; spelunking
The authorized service providers contracted to perform the service are   load capacity exceeding 3/4 ton, equipped with dual rear wheels,              or caving;
independent contractors and not agents or employees of Arch              used for heavy hauling, catering trucks, taxicabs, buses,                 11. Participating in extreme skiing or mountaineering;
Insurance Company. To utilize the roadside assistance benefit,           ambulances, or specially constructed motorized vehicles,                  12. Dental treatment except as a result of Accidental Injury to sound
customer must contact Travel Insured International directly at 1-866-    vehicles constructed in a manner that requires specialized                    natural teeth;
890-6499 for services to be rendered and for the benefit to apply. No    equipment not ordinarily used to tow eligible vehicles are not            13. Pregnancy and childbirth (except for Complications of
reimbursement will be made unless the Roadside Assistance                eligible for service under the basic agreements. However,                     Pregnancy);
Company makes all roadside assistance arrangements.                      service for these vehicles may be available under a separate              14. Traveling for the purpose of securing medical treatment;
                                                                         Special Services arrangement.                                             15. A Loss that results from an illness, disease, or other condition,
    event or circumstance which occurs at a time when the plan is            agreement, police report and damage estimate.                           is: (1) less than age 19 and primarily dependent on You for support
    not in effect for You;                                                                                                                           and maintenance; or (2) who is at least age 19 but less than age 23
16. Any failure of a provider of travel related services (including any      This Description of Coverage describes all of the travel                and who regularly attends an accredited school or college; and who is
    Travel Supplier) to provide the bargained-for travel services or to      insurance benefits, underwritten by Arch Insurance Company              primarily dependent on You for support and maintenance.
    refund money due You.                                                    and herein referred to as the Company. The insurance benefits           16. “Domestic Partner” means a person, at least 18 years of age,
                                                                             vary from program to program. Please refer to Schedule of               with whom you have been living in a spousal
The following limitation applies to Trip Cancellation: All                   Coverage and Services, as it provides You with specific                 relationship with evidence of cohabitation for at least 10
cancellations must be reported directly to the Travel Supplier within 72     information about the program You purchased.                            continuous months prior to the Effective Date of coverage.
hours of the event causing the need to cancel, unless the event                                                                                      17. "Economy Fare" means the lowest published rate for a one-
prevents it, and then as soon as is reasonably possible. If the                                                                                      way ticket.
cancellation is not reported within the specified 72-hour period, the                                DEFINITIONS
                                                                                                                                                     18. “Effective Date” means the date and time an Insured’s
Company will not pay for additional charges which would not have been                                                                                coverage begins, as outlined in the General Provisions section of
incurred had an Insured notified the Travel Supplier in the specified        1. "Accident" means a sudden, unexpected, unusual, specific
                                                                             event which occurs at an identifiable time and place, but shall         the policy.
period. If the event prevents an Insured from reporting the cancellation,                                                                            19. “Exotic Vehicles” includes Alfa Romeo, Aston Martin,
the 72-hour notice requirement does not apply; however, an Insured           also include exposure resulting from a mishap to a conveyance
                                                                             in which You are traveling.                                             Auburn, Avanti, Bentley, Bertone, BMC/Leyland, Bradley, Bricklin,
must, if requested, provide proof that said event prevented him or her                                                                               Corvette, Cosworth, Clenet, De Lorean, Excalibre, Ferrari, Fiat,
from reporting the cancellation within the specified period.                 2. "Accidental Injury" means Bodily Injury caused by an
                                                                             Accident (of external origin) being the direct and independent          Hummer, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini,
The following exclusions apply to Baggage Protection: The Company            cause in the Loss.                                                      Lancia, Lotus, Maserati, MG, Morgan, Pantera, Panther,
will not provide benefits for any Loss or damage to: Animals; automobiles    3. “Actual Cash Value” means purchase price less                        Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling,
and automobile equipment; boats or other vehicles or conveyances;            depreciation.                                                           Triumph, TVR. Antique cars meaning cars that are over 20 years
trailers; motors; motorcycles; bicycles (except when checked as baggage      4. “Assistance Company” means the service provider with which           old or have not been manufactured for 10 or more years, any
with a Common Carrier); eye glasses, sunglasses or contact lenses;           the Company has contracted to coordinate and deliver emergency          vehicle with an original manufacturer’s suggested retail price
artificial teeth and dental bridges; hearing aids; prosthetic limbs; keys,   travel assistance, medical evacuation, and repatriation.                greater than $25,000 and Yugo.
money, stamps, securities and documents; tickets.                            5. “Baggage” means luggage and personal possessions,                    20. “Family Member" means You or Your Traveling
                                                                             whether owned, borrowed, or rented, taken by You on the trip.           Companion's legal or common law spouse, Domestic Partner,
Any Loss caused by or resulting from the following is excluded:              6. "Bodily Injury" means identifiable physical Injury which: (a)        parent, legal guardian, step-parent, grandparent, parents-in-law,
wear and tear or gradual deterioration; insects or vermin; inherent          is caused by an Accident, and (b) solely and independently of           grandchild, natural or adopted child, foster child, ward, stepchild,
vice or damage while the article is actually being worked upon or            any other cause, except illness resulting from, or medical or           children-in-law, brother, sister, step-brother, step-sister, brother-in-
processed; confiscation or expropriation by order of any government;         surgical treatment rendered necessary by such Injury, is the            law, sister-in-law, aunt, uncle, niece or nephew.
radioactive contamination; war or any act of war whether declared or         direct cause of death or dismemberment of You within twelve             20. “Hazard” means:
not; property shipped as freight or shipped prior to the Scheduled           months from the date of the Accident.                                      a) Any delay of a Common Carrier (including Inclement
Departure Date.                                                              7. “Business Partner" means an individual who: (a) is involved                Weather).
                                                                             in a legal partnership; and (b) is actively involved in the day to         b) Any delay by a traffic Accident while en route to Your travel
                                                                             day management of the business.                                               destination, in which You or Your Traveling Companion is
The following exclusions apply to Collision Damage Waiver:                                                                                                 directly or not directly involved.
                                                                             8. “Checked Baggage” means a piece of baggage for which
1) Any obligation You assume under any agreement (except insurance                                                                                      c) Any delay due to lost or stolen passports, travel
                                                                             a claim check has been issued to You by a Common Carrier.
collision deductible);                                                                                                                                     documents or money, quarantine, hijacking, unannounced
                                                                             9. “City” means an incorporated municipality having defined borders
2) Rentals of trucks, campers, trailers, off-road vehicles, motor bikes,                                                                                   strike, Natural Disaster.
                                                                             and does not include the high seas, uninhabited areas, or airspace.
motorcycles, recreational vehicles, or Exotic Vehicles;                                                                                              21. "Hospital" means a facility that:
                                                                             10. “Common Carrier” means any regularly scheduled land,
3) Any Loss which occurs if You are in violation of the rental                                                                                          (a) Holds a valid license if it is required by the law;
                                                                             sea, and/or air conveyance operating under a valid license for
agreement;                                                                                                                                              (b) Operates primarily for the care and treatment of sick or
                                                                             the transportation of passengers for hire.
4) Failure to report the Loss to the proper local authorities and the                                                                                          injured persons as in-patients;
                                                                             11. "Company" means Arch Insurance Company.
rental company;                                                                                                                                         (c) Has a staff of one or more Physicians available at all times;
                                                                             12. “Complication of Pregnancy” means a condition whose
5) Damage to any other vehicle, structure or person as a result of a                                                                                    (d) Provides 24 hour nursing service and has at least one
                                                                             diagnosis is distinct from pregnancy but is adversely affected or
covered Loss.                                                                                                                                                  registered professional nurse on duty or call;
                                                                             caused by pregnancy.
The following duties in the event of Loss apply to Collision                 13. “Covered Expenses” shall mean expenses incurred by                     (e) (Has organized diagnostic and surgical facilities, either on
Damage Waiver:                                                               You which are for medically necessary services, supplies,                         the premises or in facilities available to the hospital on a
1) You must take all reasonable, necessary steps to protect the vehicle      care, or treatment; due to Illness or Injury; prescribed,                         pre-arranged basis; and
and prevent further damage to it;                                            performed or ordered by a Physician; reasonable and customary              (f) Is not, except incidentally, a clinic, nursing home, rest home, or
2) You must report the Loss to the appropriate local authorities and the     charges; incurred while insured under this policy; and which                      convalescent home for the aged, or similar institution.
rental company as soon as possible;                                          do not exceed the maximum limits shown in the Schedule of               22. “Inclement Weather” means any severe weather condition which
3) You must obtain all information on any other party involved in an         Coverage and Services, under each stated benefit.                       delays the scheduled arrival or departure of a Common Carrier.
Accident, such as name, address, insurance information and driver’s          14. “Cruise” means any prepaid sea arrangements.                        23. “Injury” means Bodily Injury caused by an Accident occurring while
license number;                                                              15. “Dependent Child(ren)” means Your children, including an            this policy is in force, and resulting directly and independently of all other
4) You must provide the Company all documentation such as rental             unmarried child, stepchild, legally adopted child or foster child who   causes of Loss covered by the policy. The Injury must be verified by a
Physician and require emergency care.                                           week of the Land/Sea Arrangements.                                        subrogation. You must help the Company to preserve its rights
24. "Insured" means the person named on the rental agreement and                40. "Unforeseen" means not anticipated or expected and                    against those responsible for the Loss. This may involve signing any
their Family Member and accompanying Traveling Companion if                     occurring after the effective date of the policy.                         papers and taking any other steps the Company may reasonably
occupying the rental property premises, listed on the rental agreement,         41. “Used” means to avail oneself of, to employ, to expend or             require. If the Company takes over an Insured's rights, You must
with the insured. Insured also means 'You or Your'. Insured does not            consume, or to convert to one’s service.                                  sign an appropriate subrogation form supplied by the Company.
mean an invited guest, unless the guest resides at the vacation rental                                                                                    ASSIGNMENT. The policy is not assignable, whether by
property with the insured for the entire duration of the rental agreement                          CLAIMS PROCEDURE                                       operation of law or otherwise, but benefits may be assigned.
period.                                                                                                                                                   WHEN YOUR COVERAGE BEGINS. All coverage (except Trip
25. "Land/Sea Arrangements” means land and or sea                               To facilitate prompt claims settlement:                                   Cancellation) will take effect at 12:01 A.M. local time, at Your
arrangements made by the Travel Supplier.                                       TRIP CANCELLATION CLAIMS: IMMEDIATELY notify your                         location on the Scheduled Departure Date provided:
26. “Loss” means Injury or damage sustained by You as a result of               management company and Travel Insured International to report             (a) Coverage has been elected; and
one or more of the occurrences against which the Company has                    Your cancellation and avoid non-Covered Expenses due to late              (b) The required premium has been paid.
undertaken to indemnify You.                                                    reporting.                                                                Trip Cancellation coverage will take effect at 12:01 A.M. local time
27. “Maximum Benefit” means the largest total amount of Covered                 TRIP INTERRUPTION: Obtain medical statements from the                     at Your location, on the day after the required premium for such
Expenses that the Company will pay for You.                                     doctors in attendance where Sickness or Accident occurred.                coverage is received by the Company or its authorized
28. “Medically Necessary” means that a treatment, service, or supply            These statements should give complete diagnosis, stating that             representative.
is: (1) is essential for diagnosis, treatment or care of the Injury or          the Sickness or Accident prevented traveling on dates                     WHEN YOUR COVERAGE ENDS. Your coverage will end
Sickness for which it is prescribed or performed; (2) meets generally           contracted. Provide all unused transportation tickets, official           at 11:59 local time on the date which is the earliest of the
accepted standards of medical practice; and (3) is ordered by a                 receipts, etc.                                                            following:
Physician and performed under his or her care, supervision or order.            TRIP DELAY: Obtain any specific dated documentation, which                (a) The Scheduled Return Date as stated on the travel tickets;
29. “Natural Disaster” means flood, fire, hurricane, tornado,                   provides proof of the reason for delay (airline or forms, medical         (b) The date You return to Your origination point if prior to the
earthquake, volcanic eruption, blizzard or avalanche that is due to             statements, etc). Submit this documentation along with Your               Scheduled Return Date;
natural causes.                                                                 Trip itinerary and all receipts from additional expenses incurred.        (c) If You extend the return date, coverage will terminate at 11:59
30. “Physician” means a licensed practitioner of medical, surgical or           MEDICAL EXPENSES: Obtain receipts from the providers of                   P.M., local time, at Your location on the Scheduled Return Date.
dental services acting within the scope of his/her license and shall            service, etc., stating the amount paid and listing the diagnosis          (d) The date You cancel Your Trip.
include Christian Science Practitioners. The treating Physician may not         and treatment.                                                            EXTENDED COVERAGE. All coverage under the policy will be
be You, a Traveling Companion or a Family Member.                               BAGGAGE: Obtain a statement from the Common Carrier that                  extended, if: (a) Your entire Trip is covered by the policy; and (b)
31.“Pre-Existing Condition” means any Injury, Sickness or condition of          Your Baggage was delayed or a police report showing Your                  Your return is delayed by covered reasons specified under Trip
You, a Traveling Companion or Your and/or Your Traveling Companion’s            Baggage was stolen along with copies of receipts for Your                 Cancellation and Interruption or Travel Delay. If coverage is extended
Family Member for which medical advice, diagnosis, care or treatment was        purchases.                                                                for the above reasons, coverage will end on the earlier of: (a)
recommended or received within the 60 day period ending on the Effective                                                                                  the date You reach Your Return Destination; or (b) seven (7)
Date. Sicknesses or conditions are not considered pre-existing if the           TO OBTAIN CLAIM FORMS AND ANY ADDITIONAL                                  days after the date the Trip was scheduled to be completed.
sickness or condition for which prescribed drugs or medicine is taken remains   INFORMATION ON HOW TO REPORT A CLAIM, CALL OR                             MODE OF PREMIUM:
controlled without any change in the required prescription.                     WRITE TRAVEL INSURED INTERNATIONAL AND                                    Insured: The required premium must be paid to the Participating
32. "Scheduled Departure Date" means the date on which You                      REFER TO PRODUCT #: T-4141                                                Organization or its authorized representative prior to the
are originally scheduled to leave on the Trip.                                                                                                            Scheduled Departure Date of the Trip.
33. "Scheduled Return Date" means the date on which You are                                     GENERAL PROVISIONS                                        ARBITRATION. Notwithstanding anything in the policy to the contrary,
originally scheduled to return to the point of origin or to a different                                                                                   any claim arising out of or relating to the policy, or its breach, will be
final destination.                                                              The following provisions apply to all coverage:                           settled by arbitration administered by the American Arbitration
34. "Sickness" means an illness or disease which is diagnosed or                LEGAL ACTIONS. No legal action for a claim can be                         Association in accordance with its Commercial rules except to the extent
treated by a Physician after the effective date of insurance and while          brought against the Company until sixty (60) days after the               provided otherwise in this clause. Judgment upon the award
You are covered under the policy.                                               Company receives proof of Loss. No legal action for a claim               rendered in such arbitration may be entered in any court having
35. “Strike” means any unannounced labor disagreement that interferes           can be brought against the Company more than two (2)                      jurisdiction thereof. All fees and expenses of the arbitration shall be
with the normal departure and arrival of a Common Carrier.                      years after the time required for giving proof of Loss.                   borne by the parties equally. However, each party will bear the expense
36. “Terrorist Attack” means an incident deemed an act of                       CONTROLLING LAW. Any part of the policy that conflicts                    of its own counsel, experts, witnesses, and preparation and presentation of
terrorism by the U.S. Government.                                               with the state law where the policy is issued is changed to meet          proofs. The arbitrators are precluded from awarding punitive, treble or
37. "Traveling Companion" means a person who is sharing travel                  the minimum requirements of that law.                                     exemplary damages, however so denominated. If more than one Insured
arrangements with You. Note, a group or tour leader is not                      MISREPRESENTATION AND FRAUD. Your coverage shall be                       is involved in the same dispute arising out of the same policy and
considered a Traveling Companion unless You are sharing room                    void if, whether before or after a Loss, You have concealed or            relating to the same Loss or claim, all such Insured’s will constitute and
accommodations with the group or tour leader.                                   misrepresented any material fact or circumstance concerning the           act as one party for the purposes of the arbitration. Nothing in this clause
38. "Travel Supplier" means tour operator, cruise line, hotel etc.              policy or the subject thereof, or Your interest, or if You commit fraud   will be construed to impair Your rights to assert several, rather than
who has made the land and/or sea arrangements.                                  or false swearing in connection with any of the foregoing.                joint, claims or defenses.
39. "Trip" means prepaid Land/Sea Arrangements and shall include                SUBROGATION. To the extent the Company pays for a Loss
flight connections to join or depart such Land/Sea Arrangements                 suffered by an Insured, the Company will take over the rights
provided such flights are scheduled to commence within one                      and remedies You had relating to the Loss. This is known as
        CLAIMS PROCEDURES AND PAYMENT OF CLAIMS                                  SETTLEMENT OF LOSS. Claims for damage and/or
                                                                                 destruction shall be paid after acceptable proof of the                  For information in the unlikely event of an
The Company, or its designated representative, will pay a claim after            damage and/or destruction is presented to the Company and the
receipt of acceptable proof of Loss. Benefits for Loss of life are payable       Company has determined the claim is covered. Claims for lost                      evacuation, please call:
to Your beneficiary. If a beneficiary is not otherwise designated by You,        property will be paid after the lapse of a reasonable time if the    •      Currituck County: 252-232-6010
benefits for Loss of life will be paid to the first of the following surviving   property has not been recovered. You must present                    •      Currituck County Emergency Management Office:
preference beneficiaries:                                                        acceptable proof of Loss and the value involved to the               •       252-232-2115
a)     Your spouse:                                                              Company.                                                             •      Carteret County Emergency Management Office:
b)     Your child or children jointly:                                           VALUATION. The Company will not pay more than the actual
c)     Your parents jointly if both are living or the surviving parent           cash value of the property at the time of Loss. Damage will
       if only one survives:                                                     be estimated according to actual cash value with proper              •      Dare County: 1-877-629-4386
d)     Your brothers and sisters jointly: or                                     deduction for depreciation as determined by the Company.             •      Dare County Emergency Management Office:
e)     Your estate.                                                              At no time will payment exceed what it would cost to                 •      252-475-5655
All other claims will be paid to You. In the event You are a minor,              repair or replace the property with material of like kind and
incompetent or otherwise unable to give a valid release for the                  quality.
                                                                                 DISAGREEMENT OVER SIZE OF LOSS: If there is a
                                                                                                                                                      For Medical assistance while traveling Call Toll
claim, the Company may make arrangements to pay claims to Your
legal guardian, committee or other qualified representative.                     disagreement about the amount of the Loss either You or                          Free: 1-888-268-2824
                                                                                 the Company can make a written demand for an
All or a portion of all other benefits provided by the policy may, at the        appraisal. After the demand, You and the Company will
option of the Company, be paid directly to the provider of the service(s).       each select their own competent appraiser. After
All benefits not paid to the provider will be paid to You. Any                   examining the facts, each of the two appraisers will give an
payment made in good faith will discharge the Company's liability to             opinion on the amount of the Loss. If they do not agree,
the extent of the claim.                                                         they will select an arbitrator. Any figure agreed to by 2 of
The applicable benefit amount will be reduced by the amount of                   the 3 (the appraisers and the arbitrator) will be binding.
benefits, if any, previously paid by other Insurance Policies. In no             The appraiser selected by You is paid by You. The Company
event will the Company reimburse You for an amount greater than the              will pay the appraiser they choose. You will share equally
amount paid by You.                                                              with the Company the cost for the arbitrator and the appraisal
NOTICE OF CLAIM. Written notice of claim must be given by the                    process.
Claimant (either You or someone acting for You) to the Company or its            BENEFIT TO BAILEE. This insurance will in no way inure
designated representative within twenty (20) days after a covered Loss           directly or indirectly to the benefit of any carrier or other
first begins or as soon as reasonably possible. Notice should include            bailee.                                                              In the event of a Trip Cancellation Claim:
Your name, the Participating Organization’s name and the policy                                                                                              Please immediately notify Your
number. Notice should be sent to the Company’s administrative office,                                                                                   management company and Travel Insured
at the address shown on the cover page of the policy, or to the
Company's designated representative.
PROOF OF LOSS. The Claimant must send the Company, or its
designated representative, proof of Loss within ninety (90) days after a                                                                                    For questions or information on how to
covered Loss occurs or as soon as reasonably possible. The following                                                                                 file a claim contact Travel Insured International at:
provisions apply to Baggage/Personal Effects and Baggage Delay
NOTICE OF LOSS. If Your property covered under the policy is
lost, stolen or damaged, You must:
a) Notify the Company, or its authorized
       representative as soon as possible;
b) Take immediate steps to protect, save and/or
       recover the covered property;
c) Give immediate notice to the carrier or bailee who is or may
       be liable for the Loss or damage;
d) Notify the police or other authority in the case of robbery or theft
       within twenty-four (24) hours.
PROOF OF LOSS. You must furnish the Company, or its designated
representative, with proof of Loss. This must be a detailed statement. It
must be filed with the Company, or its designated representative within
ninety (90) days from the date of Loss. Failure to comply with these
conditions shall invalidate any claims under the policy.

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