COVID-19 FAQs
TME Trip Insurance plans provide comprehensive travel insurance coverage that can protect the cost of your trip should it be canceled or interrupted, as well as travel medical expenses, emergency medical evacuation, trip delay (including eligible quarantine expenses), lost baggage, plus optional Cancel for Any Reason (CFAR) and rental car collision damage coverage, plus many other benefits and assistance services.
These plans provide a broad range of coverages for all styles and modes of travel. You can book your trips and travel with confidence knowing if the unexpected happens before your trip, on your trip, or while returning home, you’re protected. TME Travel Insurance Plans are designed for today’s traveler, and COVID is covered as any other illness.
TME TRAVEL INSURANCE
Choice Plan
Easy on your budget, the TME Choice Plan provides our primary coverages and standard policy limits, perfect for your domestic and international travel.
Preferred Plan
Providing comprehensive trip protection, the TME Preferred Plan gives you the peace of mind you want when traveling. This plan provides a terrific balance of an affordable price and great coverage.
Elite Plan
The TME Elite Plan comes with superior coverage, as well as desirable options such as Cancel for Any Reason (CFAR) and Rental Car Collision Damage Coverage. Travel with confidence, knowing you selected our best plan.
TME TRAVEL INSURANCE
Choice Plan
Easy on your budget, the TME Choice Plan provides our primary coverages and standard policy limits, perfect for your domestic and international travel.
TME TRAVEL INSURANCE
Preferred Plan
Providing comprehensive trip protection, the TME Preferred Plan gives you the peace of mind you want when traveling. This plan provides a terrific balance of an affordable price and great coverage.
TME TRAVEL INSURANCE
Elite Plan
The TME Elite Plan comes with superior coverage, as well as desirable options such as Cancel for Any Reason (CFAR) and Rental Car Collision Damage Coverage. Travel with confidence, knowing you selected our best plan.
Trip Cancellation
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:
- Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.
- Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.
- Sickness, Accidental Injury or death of a non-traveling Family Member.
- The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.
- After one (1) year of continuous employment at the same company, You are terminated or laid-off, from full time employment by that company through no fault of Your own;
- Your transfer of employment of two hundred fifty (250) miles or more. The transfer must require Your Home to be relocated.
- You, Your Traveling Companion or Family Member, who are military personnel, are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).
- Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier with whom You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
- Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
- A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.
- You or Your Traveling Companion are a victim of a felonious assault.
- You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.
- You or Your Traveling Companion being directly involved in a traffic accident (substantiated by a police report provided by You to the Company) while en route to departure.
- Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.
- Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers;
(b) airfare cancellation charges for flights in connection with Your Trip commencing within one day of the Travel Arrangements;
(c) If Your Travel Supplier cancels Your Trip, You are covered up to the Maximum Benefit shown on the Schedule of Benefits for the reissue fee charged by the airline for the tickets, or for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip. You must have covered the entire cost of the Trip including the airfare.
In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.
SPECIAL CONDITIONS: You must advise the Company or its authorized representative within seventy-two (72) hours in the event of a claim. If the claim is not reported within seventy-two (72) hours, it should be reported as soon as possible. All other delays of reporting beyond seventy-two (72) hours will result in reduced benefit payments.
Single Occupancy Coverage
The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Airline Reissue or Cancellation Fees
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers;
(b) airfare cancellation charges for flights in connection with Your Trip commencing within one day of the Travel Arrangements;
(c) If Your Travel Supplier cancels Your Trip, You are covered up to the Maximum Benefit shown on the Schedule of Benefits for the reissue fee charged by the airline for the tickets, or for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip. You must have covered the entire cost of the Trip including the airfare.
Trip Cancellation
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:
- Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.
- Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.
- Sickness, Accidental Injury or death of a non-traveling Family Member.
- The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.
- After one (1) year of continuous employment at the same company, You are terminated or laid-off, from full time employment by that company through no fault of Your own;
- Your transfer of employment of two hundred fifty (250) miles or more. The transfer must require Your Home to be relocated.
- Your or a Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.
- Your or Your Traveling Companion’s company being directly involved in a merger, acquisition, government required product recall or Bankruptcy or Default proceedings. You or Your Traveling Companion must be an active employee of the company and must be directly involved in said event
- You, Your Traveling Companion or Family Member, who are military personnel, are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).
- Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier with whom You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
- Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
- A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.
- You or Your Traveling Companion are a victim of a felonious assault.
- You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.
- You or Your Traveling Companion being directly involved in a traffic accident (substantiated by a police report provided by You to the Company) while en route to departure.
- Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.
- Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers;
(b) airfare cancellation charges for flights in connection with Your Trip commencing within one day of the Travel Arrangements;
(c) If Your Travel Supplier cancels Your Trip, You are covered up to the Maximum Benefit shown on the Schedule of Benefits for the reissue fee charged by the airline for the tickets, or for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip. You must have covered the entire cost of the Trip including the airfare.
In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.
SPECIAL CONDITIONS: You must advise the Company or its authorized representative within seventy-two (72) hours in the event of a claim. If the claim is not reported within seventy-two (72) hours, it should be reported as soon as possible. All other delays of reporting beyond seventy-two (72) hours will result in reduced benefit payments.
Single Occupancy Coverage
The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Trip Cancellation
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:
- Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.
- Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.
- Sickness, Accidental Injury or death of a non-traveling Family Member.
- The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.
- After one (1) year of continuous employment at the same company, You are terminated or laid-off, from full time employment by that company through no fault of Your own;
- Your transfer of employment of two hundred fifty (250) miles or more. The transfer must require Your Home to be relocated.
- Your or Your Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You or Your Traveling Companion is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.
- You or Your Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer must be presented. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner.
- Your or Your Traveling Companion’s company being directly involved in a merger, acquisition, government required product recall or Bankruptcy or Default proceedings. You or Your Traveling Companion must be an active employee of the company and must be directly involved in said event.
- You, Your Traveling Companion or Family Member, who are military personnel, are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).
- Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier with whom You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
- Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
- A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.
- You or Your Traveling Companion are a victim of a felonious assault.
- You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.
- You or Your Traveling Companion being directly involved in a traffic accident (substantiated by a police report provided by You to the Company) while en route to departure.
- Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.
- Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers;
(b) airfare cancellation charges for flights in connection with Your Trip commencing within one day of the Travel Arrangements;
(c) If Your Travel Supplier cancels Your Trip, You are covered up to the Maximum Benefit shown on the Schedule of Benefits for the reissue fee charged by the airline for the tickets, or for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip. You must have covered the entire cost of the Trip including the airfare.
In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.
SPECIAL CONDITIONS: You must advise the Company or its authorized representative within seventy-two (72) hours in the event of a claim. If the claim is not reported within seventy-two (72) hours, it should be reported as soon as possible. All other delays of reporting beyond seventy-two (72) hours will result in reduced benefit payments.
SINGLE OCCUPANCY COVERAGE
The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Airline Reissue or Cancellation Fees
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers;
(b) airfare cancellation charges for flights in connection with Your Trip commencing within one day of the Travel Arrangements;
(c) If Your Travel Supplier cancels Your Trip, You are covered up to the Maximum Benefit shown on the Schedule of Benefits for the reissue fee charged by the airline for the tickets, or for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip. You must have covered the entire cost of the Trip including the airfare.
Airline Reissue or Cancellation Fees
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers;
(b) airfare cancellation charges for flights in connection with Your Trip commencing within one day of the Travel Arrangements;
(c) If Your Travel Supplier cancels Your Trip, You are covered up to the Maximum Benefit shown on the Schedule of Benefits for the reissue fee charged by the airline for the tickets, or for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip. You must have covered the entire cost of the Trip including the airfare.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Airline Reissue or Cancellation Fees
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers;
(b) airfare cancellation charges for flights in connection with Your Trip commencing within one day of the Travel Arrangements;
(c) If Your Travel Supplier cancels Your Trip, You are covered up to the Maximum Benefit shown on the Schedule of Benefits for the reissue fee charged by the airline for the tickets, or for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip. You must have covered the entire cost of the Trip including the airfare.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Airline Reissue Frequent Flier Miles
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
If Your Travel Supplier cancels Your Trip, You are covered up to the Maximum Benefit shown on the Schedule of Benefits for the reissue fee charged by the airline for the tickets, or for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip. You must have covered the entire cost of the Trip including the airfare.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Optional Trip Cancellation For Any Reason
If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the 75% of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:
(a) Your premium is received within the Time Sensitive Period; and
(b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and
(c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Trip Interruption
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:
- Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.
- Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.
- Sickness, Accidental Injury or death of a non-traveling Family Member.
- The death or Hospitalization of Your Host at Destination during Your trip.
- After one (1) year of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.
- Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.
- You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).
- Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.
- Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.
- A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.
- You or Your Traveling Companion are a victim of a felonious assault.
- You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.
- You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).
- Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged
to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.
- Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;
(b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets. In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.
The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization. In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.
SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Trip Interruption
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:
- Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.
- Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.
- Sickness, Accidental Injury or death of a non-traveling Family Member.
- The death or Hospitalization of Your Host at Destination during Your trip.
- After one (1) year of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.
- Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.
- Your or a Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.
- Your or Your Traveling Companion’s company being directly involved in a merger, acquisition, government required product recall or Bankruptcy or Default proceedings. You or Your Traveling Companion must be an active employee of the company and must be directly involved in said event.
- You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).
- Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.
- Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.
- A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.
- You or Your Traveling Companion are a victim of a felonious assault.
- You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.
- You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).
- Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.
- Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;
(b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets. In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.
The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.
In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.
SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Trip Interruption
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:
- Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.
- Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.
- Sickness, Accidental Injury or death of a non-traveling Family Member.
- The death or Hospitalization of Your Host at Destination during Your trip.
- After one (1) year of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.
- Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.
- Your or Your Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You or Your Traveling Companion is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.
- You or Your Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer must be presented. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner.
- Your or Your Traveling Companion’s company being directly involved in a merger, acquisition, government required product recall or Bankruptcy or Default proceedings. You or Your Traveling Companion must be an active employee of the company and must be directly involved in said event.
- You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).
- Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.
- Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.
- A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.
- You or Your Traveling Companion are a victim of a felonious assault.
- You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.
- You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).
- Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.
- Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
(a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;
(b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets. In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.
The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.
In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.
SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Reasonable Expenses
The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Reasonable Expenses
The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.
In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.
Reasonable Expenses
The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.
In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.
Trip Delay
The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for eighteen (18) or more hours due to a defined Hazard.
Covered Trip Delay Expenses:
(a) Any pre-paid, unused, non-refundable land and water accommodations;
(b) Any Reasonable Expenses incurred;
(c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
(d) A one-way Economy Fare to return You to Your originally scheduled return destination.
You or the Traveling Companion must provide the following documentation when presenting a claim for these benefits:
(a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times.
Hazard means:
- a) Any delay of a Common Carrier (including Inclement Weather);
- b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;
- c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;
- d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Trip Delay
The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.
Covered Trip Delay Expenses:
(a) Any pre-paid, unused, non-refundable land and water accommodations;
(b) Any Reasonable Expenses incurred;
(c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
(d) A one-way Economy Fare to return You to Your originally scheduled return destination.
You or the Traveling Companion must provide the following documentation when presenting a claim for these benefits:
(a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times
Hazard means:
- a) Any delay of a Common Carrier (including Inclement Weather);
- b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;
- c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;
- d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Trip Delay
The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.
Covered Trip Delay Expenses:
(a) Any pre-paid, unused, non-refundable land and water accommodations;
(b) Any Reasonable Expenses incurred;
(c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
(d) A one-way Economy Fare to return You to Your originally scheduled return destination.
Hazard means:
- a) Any delay of a Common Carrier (including Inclement Weather);
- b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;
- c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;
- d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Kennel Fees at Home
If You or the Traveling Companion are delayed by a Common Carrier while en route to Your return destination after the Trip is completed and have placed Your cat or dog in a kennel for the duration of the Trip and You or the Traveling Companion are unable to collect them on the day previously agreed with the kennel, benefits will be paid up to the Maximum Benefit shown on the Schedule of Benefits to cover the necessary additional kennel fees.
You or the Traveling Companion must provide the following documentation when presenting a claim for these benefits:
(a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times;
(b) Written confirmation from the kennel advising the original pick-up date and the actual pick-up date.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Missed Connection
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and eighteen (18) hours of all regularly scheduled airline flights due to the following event:
(a) Documented weather condition preventing You from getting to the point of departure for Your Trip.
Benefits are provided for:
(a) additional transportation expenses needed for You to join Your departed Cruise or tour;
(b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
(c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.
Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Missed Connection
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:
(a) Documented weather condition preventing You from getting to the point of departure for Your Trip.
Benefits are provided for:
(a) additional transportation expenses needed for You to join Your departed Cruise or tour;
(b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
(c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.
Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Missed Connection
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:
(a) Documented weather condition preventing You from getting to the point of departure for Your Trip.
Benefits are provided for:
(a) additional transportation expenses needed for You to join Your departed Cruise or tour;
(b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
(c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.
Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Lost Golf Rounds
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits for the value of Your pre-paid Golf tickets or greens fees for each day You are unable to complete at least nine holes of an eighteen hole round due to Golf Course closure, subject to the following:
(a) You must have made a confirmed reservation and pre-paid deposit at least forty-eight (48) hours in advance of Your tee time;
(b) The course management must have temporarily closed the course due to inclement weather, resulting in Your delay or suspension of play of at least three (3) hours;
(c) The course management must not reimburse You the value of the Golf tickets or greens fees, or issue You a credit;
(d) You or Your playing group must not have caused any delay by missing or starting Your round past Your reserved start time; and
(e) Your reservation is during Your Trip and on a date when the average temperature within twenty (20) miles of the course is historically above sixty (60) degrees Fahrenheit at noon local time.
If Your lost Golf round is part of a purchased package of multiple Golf rounds, Your benefit will be the pro-rata value of the round. To qualify for benefits, You must provide a copy of the pre-paid Golf reservation and receipt, and a report from the resort or Golf Course management stating the date, time and duration, and reason for the closure.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Lost Skier Days
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits for the value of Your or Your Traveling Companion’s pre-paid Ski tickets for each day You or Your Traveling Companion are unable to Ski during the Trip, subject to the following:
- The Skiing must be scheduled to occur between December 1 and March 31;
- Coverage begins on the later of the date and time You or Your Traveling Companion: (a) arrive at the resort or (b) acquire a valid Ski lift ticket;
- A minimum of ten (10) Trails must be open on the date and time You or Your Traveling Companion arrive at the resort;
- You or Your Traveling Companion are unable to Ski on a given day due to fifty percent (50%) or more of the Trails at the resort closing for at least eight (8) consecutive hours from lack of snow cover or stormy weather;
- If Your or Your Traveling Companion’s Ski ticket applies to multiple Ski resorts within a fifty (50) mile radius and one of the other resorts is not experiencing fifty percent (50%) or more of the Trails closing for at least eight (8) consecutive hours from lack of snow cover or stormy weather on a given day, then no benefits are payable that day for inability to Ski.
If Your or Your Traveling Companion’s lost skier day is part of a lift ticket good for between two (2) and five (5) consecutive days, Your benefit will be the pro-rata value of the Ski day.
Benefits are not payable hereunder for season passes, lift ticket purchases of six (6) or more days or night Skiing.
To qualify for benefits, You must provide a copy of the pre-paid Ski lift ticket receipts, and a report from the resort stating the date, time and duration, percentage of Trails closed, and reason for Trail closures.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Accidental Death and Dismemberment
The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.
The Principal Sum is shown on the Schedule of Benefits.
| If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.
TABLE OF LOSSES |
|
| Loss of: | Percentage of Principal Sum: |
| Life | 100% |
| Both hands or both feet | 100% |
| Sight of both eyes | 100% |
| One hand and one foot | 100% |
| Either hand or foot and sight of one eye | 100% |
| Either hand or foot | 50% |
| Sight of one eye | 50% |
| Speech and hearing in both ears | 100% |
| Speech | 50% |
| Hearing in both ears | 50% |
| Thumb and index finger of same hand | 25% |
“Loss” with regard to:
- hand or foot, means actual complete severance through and above the wrist or ankle joints; and
- eye means an entire and irrecoverable Loss of sight;
- speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
- thumb and index finger mean actual severance through or above the joint that meets the finger at the palm.
EXPOSURE
The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.
DISAPPEARANCE
The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Accidental Death and Dismemberment
The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.
The Principal Sum is shown on the Schedule of Benefits.
| If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.
TABLE OF LOSSES |
|
| Loss of: | Percentage of Principal Sum: |
| Life | 100% |
| Both hands or both feet | 100% |
| Sight of both eyes | 100% |
| One hand and one foot | 100% |
| Either hand or foot and sight of one eye | 100% |
| Either hand or foot | 50% |
| Sight of one eye | 50% |
| Speech and hearing in both ears | 100% |
| Speech | 50% |
| Hearing in both ears | 50% |
| Thumb and index finger of same hand | 25% |
“Loss” with regard to:
- hand or foot, means actual complete severance through and above the wrist or ankle joints; and
- eye means an entire and irrecoverable Loss of sight;
- speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
- thumb and index finger mean actual severance through or above the joint that meets the finger at the palm.
EXPOSURE
The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.
DISAPPEARANCE
The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Accidental Death and Dismemberment
The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.
The Principal Sum is shown on the Schedule of Benefits.
| If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.
TABLE OF LOSSES |
|
| Loss of: | Percentage of Principal Sum: |
| Life | 100% |
| Both hands or both feet | 100% |
| Sight of both eyes | 100% |
| One hand and one foot | 100% |
| Either hand or foot and sight of one eye | 100% |
| Either hand or foot | 50% |
| Sight of one eye | 50% |
| Speech and hearing in both ears | 100% |
| Speech | 50% |
| Hearing in both ears | 50% |
| Thumb and index finger of same hand | 25% |
“Loss” with regard to:
- hand or foot, means actual complete severance through and above the wrist or ankle joints; and
- eye means an entire and irrecoverable Loss of sight;
- speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
- thumb and index finger mean actual severance through or above the joint that meets the finger at the palm.
EXPOSURE
The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.
DISAPPEARANCE
The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Accidental Death and Dismemberment Common Carrier (Air Only)
The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss. The Principal Sum is shown on the Schedule of Benefits.
| If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.
TABLE OF LOSSES |
|
| Loss of: | Percentage of Principal Sum: |
| Life | 100% |
| Both hands or both feet | 100% |
| Sight of both eyes | 100% |
| One hand and one foot | 100% |
| Either hand or foot and sight of one eye | 100% |
| Either hand or foot | 50% |
| Sight of one eye | 50% |
| Speech and hearing in both ears | 100% |
| Speech | 50% |
| Hearing in both ears | 50% |
| Thumb and index finger of same hand | 25% |
“Loss” with regard to:
- hand or foot, means actual complete severance through and above the wrist or ankle joints; and
- eye means an entire and irrecoverable Loss of sight;
- speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
- thumb and index finger mean actual severance through or above the joint that meets the finger at the palm.
EXPOSURE
The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.
DISAPPEARANCE
The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of an air conveyance
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions
Accidental Death and Dismemberment Common Carrier (Air Only)
The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.
The Principal Sum is shown on the Schedule of Benefits.
| If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.
TABLE OF LOSSES |
|
| Loss of: | Percentage of Principal Sum: |
| Life | 100% |
| Both hands or both feet | 100% |
| Sight of both eyes | 100% |
| One hand and one foot | 100% |
| Either hand or foot and sight of one eye | 100% |
| Either hand or foot | 50% |
| Sight of one eye | 50% |
| Speech and hearing in both ears | 100% |
| Speech | 50% |
| Hearing in both ears | 50% |
| Thumb and index finger of same hand | 25% |
EXPOSURE
The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.
The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.
DISAPPEARANCE
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Emergency Accident and Sickness Medical Expense Coverage
The Company will reimburse benefits up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You incur Covered Medical Expenses for Necessary Treatment of an Accidental Injury or a Sickness that occurs during the Trip.
Covered Medical Expenses are limited to the list below:
(a) the services of a Physician;
(b) charges for Hospital confinement and use of operating rooms; Hospital or ambulatory medical-surgical center services;
(c) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
(d) ambulance service;
(e) drugs, medicines and therapeutic services.
The Company will pay benefits up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for dental Necessary Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Necessary Treatment must occur during the Trip.
The Company will not pay benefits in excess of reasonable and customary charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.
If You are hospitalized due to an Accidental Injury or a Sickness, which first occurs during the Trip, beyond the Scheduled Return Date, coverage will be extended for up to ninety (90) days, or until You are released from the Hospital or until You have exhausted the Maximum Benefits payable under this coverage, whichever occurs first.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Emergency Accident and Sickness Medical Expense Coverage
The Company will reimburse benefits up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You incur Covered Medical Expenses for Necessary Treatment of an Accidental Injury or a Sickness that occurs during the Trip.
Covered Medical Expenses are limited to the list below:
(a) the services of a Physician;
(b) charges for Hospital confinement and use of operating rooms; Hospital or ambulatory medical-surgical center services;
(c) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
(d) ambulance service;
(e) drugs, medicines and therapeutic services.
The Company will pay benefits up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for dental Necessary Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Necessary Treatment must occur during the Trip.
The Company will not pay benefits in excess of reasonable and customary charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.
If You are hospitalized due to an Accidental Injury or a Sickness, which first occurs during the Trip, beyond the Scheduled Return Date, coverage will be extended for up to ninety (90) days, or until You are released from the Hospital or until You have exhausted the Maximum Benefits payable under this coverage, whichever occurs first.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Emergency Accident and Sickness Medical Expense Coverage
The Company will reimburse benefits up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You incur Covered Medical Expenses for Necessary Treatment of an Accidental Injury or a Sickness that occurs during the Trip.
Covered Medical Expenses are limited to the list below:
(a) the services of a Physician;
(b) charges for Hospital confinement and use of operating rooms; Hospital or ambulatory medical-surgical center services;
(c) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
(d) ambulance service;
(e) drugs, medicines and therapeutic services.
The Company will pay benefits up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for dental Necessary Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Necessary Treatment must occur during the Trip.
The Company will not pay benefits in excess of reasonable and customary charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.
If You are hospitalized due to an Accidental Injury or a Sickness, which first occurs during the Trip, beyond the Scheduled Return Date, coverage will be extended for up to ninety (90) days, or until You are released from the Hospital or until You have exhausted the Maximum Benefits payable under this coverage, whichever occurs first.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Dental Expenses
The Company will pay benefits up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for dental Necessary Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Necessary Treatment must occur during the Trip.
The Company will not pay benefits in excess of reasonable and customary charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.
If You are hospitalized due to an Accidental Injury or a Sickness, which first occurs during the Trip, beyond the Scheduled Return Date, coverage will be extended for up to ninety (90) days, or until You are released from the Hospital or until You have exhausted the Maximum Benefits payable under this coverage, whichever occurs first.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Dental Expenses
The Company will pay benefits up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for dental Necessary Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Necessary Treatment must occur during the Trip.
The Company will not pay benefits in excess of reasonable and customary charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.
If You are hospitalized due to an Accidental Injury or a Sickness, which first occurs during the Trip, beyond the Scheduled Return Date, coverage will be extended for up to ninety (90) days, or until You are released from the Hospital or until You have exhausted the Maximum Benefits payable under this coverage, whichever occurs first.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Dental Expenses
The Company will pay benefits up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for dental Necessary Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Necessary Treatment must occur during the Trip.
The Company will not pay benefits in excess of reasonable and customary charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.
If You are hospitalized due to an Accidental Injury or a Sickness, which first occurs during the Trip, beyond the Scheduled Return Date, coverage will be extended for up to ninety (90) days, or until You are released from the Hospital or until You have exhausted the Maximum Benefits payable under this coverage, whichever occurs first.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Emergency Evacuation
The Company will pay benefits for Covered Evacuation Expenses incurred, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if an Accidental Injury or Sickness commencing during the course of the Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants Your Emergency Evacuation and verified and arranged by the Travel Assistance Company.
Emergency Evacuation means:
(a) Your medical condition warrants immediate Transportation from the Hospital where You are first taken when injured or sick to the nearest Hospital where appropriate medical treatment can be obtained;
(b) after being treated at a local Hospital, Your medical condition warrants Transportation to Your Home where You reside, to obtain further medical treatment or to recover; or
(c) both (a) and (b), above.
Covered Evacuation Expenses are reasonable and customary expenses for necessary Transportation, related medical services and medical supplies incurred in connection with Your Emergency Evacuation. All Transportation arrangements made for evacuating You must be by the most direct and economical route possible. Expenses for Transportation must be:
(a) recommended by the attending Physician;
(b) required by the standard regulations of the conveyance transporting You; and
(c) authorized in advance by the Company or its authorized Travel Assistance Company and arranged by the Company’s authorized Travel Assistance Company.
Transportation of Minor Children: If You are expected to be in the Hospital for more than seven (7) days following a covered Emergency Evacuation, or pass away during the Trip, the Company will return Your unattended minor child(ren) (under the age of eighteen (18)) who is/are accompanying You on the scheduled Trip, to the domicile of a person nominated by You or Your next of kin with an attendant if necessary.
Hospital Companion:
Transportation to Join You: If You are traveling alone and are in a Hospital alone for more than seven (7) consecutive days or if the attending Physician certifies that due to Your Accidental Injury or Sickness, You will be required to stay in the Hospital for more than seven (7) consecutive days, upon request the Company will bring a person, chosen by You, for a single visit to and from Your bedside provided that repatriation is not imminent.
Transportation services are provided if authorized in advance and arranged by the Company or the Company’s Travel Assistance Company and are limited to necessary Economy Fares less the value of applied credit from unused travel tickets, if applicable.
Transportation means any Common Carrier, or other land, water or air conveyance, required for an Emergency Evacuation and includes air ambulances, land ambulances and private motor vehicles.
The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Emergency Evacuation
The Company will pay benefits for Covered Evacuation Expenses incurred, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if an Accidental Injury or Sickness commencing during the course of the Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants Your Emergency Evacuation and verified and arranged by the Travel Assistance Company.
Emergency Evacuation means:
(a) Your medical condition warrants immediate Transportation from the Hospital where You are first taken when injured or sick to the nearest Hospital where appropriate medical treatment can be obtained;
(b) after being treated at a local Hospital, Your medical condition warrants Transportation to Your Home where You reside, to obtain further medical treatment or to recover; or
(c) both (a) and (b), above.
Covered Evacuation Expenses are reasonable and customary expenses for necessary Transportation, related medical services and medical supplies incurred in connection with Your Emergency Evacuation. All Transportation arrangements made for evacuating You must be by the most direct and economical route possible. Expenses for Transportation must be:
(a) recommended by the attending Physician;
(b) required by the standard regulations of the conveyance transporting You; and
(c) authorized in advance by the Company or its authorized Travel Assistance Company and arranged by the Company’s authorized Travel Assistance Company.
Transportation of Minor Children: If You are expected to be in the Hospital for more than seven (7) days following a covered Emergency Evacuation, or pass away during the Trip, the Company will return Your unattended minor child(ren) (under the age of eighteen (18)) who is/are accompanying You on the scheduled Trip, to the domicile of a person nominated by You or Your next of kin with an attendant if necessary.
Hospital Companion:
Transportation to Join You: If You are traveling alone and are in a Hospital alone for more than seven (7) consecutive days or if the attending Physician certifies that due to Your Accidental Injury or Sickness, You will be required to stay in the Hospital for more than seven (7) consecutive days, upon request the Company will bring a person, chosen by You, for a single visit to and from Your bedside provided that repatriation is not imminent.
Transportation services are provided if authorized in advance and arranged by the Company or the Company’s Travel Assistance Company and are limited to necessary Economy Fares less the value of applied credit from unused travel tickets, if applicable.
Transportation means any Common Carrier, or other land, water or air conveyance, required for an Emergency Evacuation and includes air ambulances, land ambulances and private motor vehicles.
The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Emergency Evacuation
The Company will pay benefits for Covered Evacuation Expenses incurred, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if an Accidental Injury or Sickness commencing during the course of the Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants Your Emergency Evacuation and verified and arranged by the Travel Assistance Company.
Emergency Evacuation means:
(a) Your medical condition warrants immediate Transportation from the Hospital where You are first taken when injured or sick to the nearest Hospital where appropriate medical treatment can be obtained;
(b) after being treated at a local Hospital, Your medical condition warrants Transportation to Your Home where You reside, to obtain further medical treatment or to recover; or
(c) both (a) and (b), above.
Covered Evacuation Expenses are reasonable and customary expenses for necessary Transportation, related medical services and medical supplies incurred in connection with Your Emergency Evacuation. All Transportation arrangements made for evacuating You must be by the most direct and economical route possible. Expenses for Transportation must be:
(a) recommended by the attending Physician;
(b) required by the standard regulations of the conveyance transporting You; and
(c) authorized in advance by the Company or its authorized Travel Assistance Company and arranged by the Company’s authorized Travel Assistance Company.
Transportation of Minor Children: If You are expected to be in the Hospital for more than seven (7) days following a covered Emergency Evacuation, or pass away during the Trip, the Company will return Your unattended minor child(ren) (under the age of eighteen (18)) who is/are accompanying You on the scheduled Trip, to the domicile of a person nominated by You or Your next of kin with an attendant if necessary.
Hospital Companion:
Transportation to Join You: If You are traveling alone and are in a Hospital alone for more than seven (7) consecutive days or if the attending Physician certifies that due to Your Accidental Injury or Sickness, You will be required to stay in the Hospital for more than seven (7) consecutive days, upon request the Company will bring a person, chosen by You, for a single visit to and from Your bedside provided that repatriation is not imminent.
Transportation services are provided if authorized in advance and arranged by the Company or the Company’s Travel Assistance Company and are limited to necessary Economy Fares less the value of applied credit from unused travel tickets, if applicable.
Transportation means any Common Carrier, or other land, water or air conveyance, required for an
Emergency Evacuation and includes air ambulances, land ambulances and private motor vehicles.
The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Repatriation of Remains
The Company will pay up to the Maximum Benefit shown on the Schedule of Benefits for the Covered Repatriation Expenses incurred to return Your body to the United States of America if You die during the Trip. This benefit is provided only if authorized in advance and arranged by the Company or the Company’s Travel Assistance Company.
Covered Repatriation Expenses include, but are not limited to, expenses for embalming, cremation, minimal casket container and transportation.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Repatriation of Remains
The Company will pay up to the Maximum Benefit shown on the Schedule of Benefits for the Covered Repatriation Expenses incurred to return Your body to the United States of America if You die during the Trip. This benefit is provided only if authorized in advance and arranged by the Company or the Company’s Travel Assistance Company.
Covered Repatriation Expenses include, but are not limited to, expenses for embalming, cremation, minimal casket container and transportation.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Repatriation of Remains
The Company will pay up to the Maximum Benefit shown on the Schedule of Benefits for the Covered Repatriation Expenses incurred to return Your body to the United States of America if You die during the Trip. This benefit is provided only if authorized in advance and arranged by the Company or the Company’s Travel Assistance Company.
Covered Repatriation Expenses include, but are not limited to, expenses for embalming, cremation, minimal casket container and transportation.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Non-Medical Emergency Evacuation
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the Covered Transportation Expenses incurred if You must leave Your Trip for a Covered Reason listed below.
Covered Reasons:
(a) a Natural Disaster;
(b) A Political Situation.
Covered Transportation Expenses under this benefit are reasonable and customary expenses for necessary transportation to transport You to the nearest place of safety as determined in advance by the Company or the Company’s Travel Assistance Company in its sole discretion or to Your Home, if a Natural Disaster or Political Situation occurs while on Your Trip. Expenses for transportation must be: a) by the most direct and economical route possible; and b) such transportation is reasonably possible under the circumstances.
The Company will pay benefits for Your transportation only if the actual evacuation process has been initiated within seven (7) days from the initial Natural Disaster or Political Situation evacuation notice advised or posted, whichever is earlier, by the recognized government of either the United States or the Host Country.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Baggage/Personal Effects
This coverage is subject to any coverage provided by a Common Carrier and all Other Insurance and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Baggage/Personal Effects
This coverage is subject to any coverage provided by a Common Carrier and all Other Insurance and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Baggage/Personal Effects and Property
This coverage is subject to any coverage provided by a Common Carrier and all Other Insurance and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place.
PERSONAL EFFECTS AND PROPERTY
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain Loss, theft or damage to baggage and Personal Effects during the Trip, including, but not limited to sporting equipment, provided You have taken all measures possible to protect, save and/or recover the property at all times. The baggage and Personal Effects must be owned by and accompany You during the Trip.
The Company will pay the lesser of the following:
(a) Actual Cash Value at time of Loss, theft or damage to baggage and Personal Effects; or
(b) the cost of repair or replacement in like kind and quality.
There will be a per article limit as shown on the Schedule of Benefits.
There will be a combined Maximum Benefit as shown on the Schedule of Benefits for the following:
jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.
EXTENSION OF COVERAGE
If You have checked property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers Your property or declares such property lost, whichever occurs first.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Sports Equipment Rental
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the reasonable cost of renting sports equipment during the Trip if, while on the Trip, Your or Your Traveling Companion’s checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for twelve (12) hours or more.
All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Optional Rental Car Damage
If You purchase this optional benefit, the following coverage is available to You. If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:
(a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired;
(b) The Actual Cash Value of the car;
(c) The Maximum Benefit shown on the Schedule of Benefits.
An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.
You have the following duties in the event of Loss due to Rental Car Damage:
- You must take all possible steps to protect the vehicle and prevent further damage to it;
- You must report the Loss to the appropriate local authorities and the rental company as soon as possible;
- You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
- You must provide the Company all documentation such as the rental agreement, police report and damage estimate.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Personal Effects And Property
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain Loss, theft or damage to baggage and Personal Effects during the Trip, including, but not limited to sporting equipment, provided You have taken all measures possible to protect, save and/or recover the property at all times. The baggage and Personal Effects must be owned by and accompany You during the Trip.
The Company will pay the lesser of the following:
(a) Actual Cash Value at time of Loss, theft or damage to baggage and Personal Effects; or
(b) the cost of repair or replacement in like kind and quality.
There will be a per article limit as shown on the Schedule of Benefits.
There will be a combined Maximum Benefit as shown on the Schedule of Benefits for the following:
jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.
EXTENSION OF COVERAGE
If You have checked property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers Your property or declares such property lost, whichever occurs first.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Personal Effects And Property
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain Loss, theft or damage to baggage and Personal Effects during the Trip, including, but not limited to sporting equipment, provided You have taken all measures possible to protect, save and/or recover the property at all times. The baggage and Personal Effects must be owned by and accompany You during the Trip.
The Company will pay the lesser of the following:
(a) Actual Cash Value at time of Loss, theft or damage to baggage and Personal Effects; or
(b) the cost of repair or replacement in like kind and quality.
There will be a per article limit as shown on the Schedule of Benefits.
There will be a combined Maximum Benefit as shown on the Schedule of Benefits for the following:
jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.
EXTENSION OF COVERAGE
If You have checked property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers Your property or declares such property lost, whichever occurs first.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Baggage Delay
The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip. (En Route to Destination Only)
You must be a ticketed passenger on a Common Carrier.
All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Baggage Delay
The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip. (En Route to Destination Only)
You must be a ticketed passenger on a Common Carrier.
All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Baggage Delay
The Company will reimburse You for the expense to replace Your necessary Personal Effects in Your Checked Baggage up to the Maximum Benefit shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip. (En Route to Destination Only)
You must be a ticketed passenger on a Common Carrier.
All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Travel Assistance Services
- Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators.
- Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards.
- Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective.
- Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling.
- Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge.
- Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services.
- Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician.
- Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service.
Non-Insurance Personal Assistance Services
These are Non-Insurance Services provided by On Call International:
- Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals.
- Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators.
- Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees.
- Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions
Travel Assistance Services
- Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators.
- Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards.
- Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective.
- Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling.
- Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge.
- Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services.
- Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician.
- Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service.
Non-Insurance Personal Assistance Services
These are Non-Insurance Services provided by On Call International:
- Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals.
- Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators.
- Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees.
- Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.
Travel Assistance Services
- Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators.
- Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards.
- Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective.
- Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling.
- Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge.
- Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services.
- Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician.
- Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service.
Non-Insurance Personal Assistance Services
These are Non-Insurance Services provided by On Call International:
- Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals.
- Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators.
- Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees.
- Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility.
Please see the terms and certificate for your plan’s full list of benefits, limits and exclusions.