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| INSURANCE COVERAGE (National Union Fire Insurance Company of Pittsburgh, PA) | ||||||||||||
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| The following services are not part of the insurance coverage. All are travel-related service benefits, not financial benefits. Non-insurance services are provided by Travel Guard Assist. 24-Hour Medical Assistance 24-Hour Medical Monitoring: Physicians monitor Your condition by maintaining close contact with the attending Physicians, Your family Physician, and immediate Family Members. Medical Evacuation: Arrangements for any and all means necessary to transport You back home when Medically Necessary. Emergency Medical Payments: If a Hospital demands a cash deposit or settlement prior to leaving, Insert appropriate entity will assist in arranging the advancement of funds to cover on-site Medical Expenses. Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier. Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with You to be flown home. Family Visit: If You are hospitalized for ten or more days, Insert appropriate entity will arrange transportation for an immediate Family Member or close friend to visit You. Transportation of Mortal Remains: In the event of death while traveling, arrangements for the return of remains to the place of burial. 24-Hour Legal Assistance: In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees. 24-Hour Travel Assistance: Travel Documents Assistance: Insert appropriate entity will help retrieve, report, and reissue lost or stolen travel documents. Emergency Cash Transfer: Travel Guard will, whenever possible, coordinate with You and a wire agency, in obtaining funds in local currency for medical or travel emergencies. Assistance in coordinating an emergency cash advance. Emergency Message Center: Transmission of emergency messages to family and business associates. Interpretation Services: Travel Guard will provide emergency language support or referral to the appropriate local services. |
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| Underwritten by National Union Fire Insurance Company of Pithsburgh,
Pa. A Pennsylvania Insurance Company, NAIC No. 19445, a member of the AIG Companies® with their principal place of business at 70 Pine Street, New York, NY 10270 and currently authorized to transact business in all states and the District of Columbia. |
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| If you are not satisfied for any reason, you may return your Description of Coverage within 15 days of purchase. Your plan payment will be refunded, provided there has been no incurred covered expense. When so returned, the plan is void from the beginning. Return the Description of Coverage to our authorzed agent. After this 15-day free look period, the payment for this plan is non-refundable. |
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| Individual Effective and Termination Dates Effective Date: After any required Enrollment Form is completed and signed, Trip Cancellation coverage will be effective for an Insured at 12:01 a.m. on the date following receipt by the Insurer or the Insurer’s authorized representative of any required plan cost. All other coverages will begin on the later of:
Termination Date: All coverage other than Trip Cancellation ends on the earlier of:
The Trip Cancellation coverage ends on the earliest of: (a) the cancellation of the Insured’s Trip; (b) 11:59 p.m. on the day before the scheduled Departure Date or (b) the date and time the Insured starts on his/her Trip. Extension of Coverage: All coverage (except Trip Cancellation, will be extended, if:
This extension of coverage will end on the earlier of:
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| Trip Cancellation and/or Iterruption The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:
Special Notification on Claim: Trip Cancellation Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above. Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:
Reimbursement to the Insured will be made in the same form in which the original Trip payment was made. In no event will the amount reimbursed exceed the lesser of; the amount the Insured pre-paid for his/her Trip, or the Maximum Limit shown on the Schedule. Single Occupancy: Trip Delay:
This benefit is payable for only one delay per Insured per Trip. If the Insured incurs more than one delay in the same Trip the Insurer will pay for the delay with the largest benefit up to the Maximum Limits shown on the Schedule. The Insured Must: Contact Travel Guard as soon as he/she knows his/her Trip is going to be delayed more than 12 hours. Baggage Delay: If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination. Accidental Death and Dismemberment: If, while on a Trip, Injury to an Insured results within 180 days of the date of the accident which caused Injury, in one of the losses shown in the Table of Losses below, other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot, the Insurer will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while the Insured is on the Trip and is covered under the Policy. If more than one Loss is sustained by an Insured as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident. Table of Losses:
Exposure: The Insurer will pay a benefit for covered losses as specified above which result from an Insured being unavoidably exposed to the elements due to an Accidental Injury during the Trip. The Loss must occur within 180 days after the event which caused the exposure. Disappearance: The Insurer will pay a benefit for loss of life as specified above if the Insured’s body cannot be located one year after disappearance due to an Accidental Injury during the Trip. "Loss" with regard to:
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“Actual Cash Value” means purchase price less depreciation. “Baggage” means luggage, and personal possessions, whether owned, borrowed, or rented, taken by the Insured on the Trip. “Business Partner” means a person who: (1) is involved with the Insured or the Insured’s Traveling Companion in a legal partnership; and (2) is actively involved in the daily management of the business. “Child” means with respect to Trip Cancellation ,Trip Interruption and Trip Delay unmarried children of the Insured, including natural children from the moment of birth, and step, foster or adopted children from the moment of placement in the Insured’s home, under age 25 and primarily dependent on the Insured for support and maintenance. However, the age limit does not apply to a child who: (1) otherwise meets the definition of Children; and (2) is incapable of self-sustaining employment by reason of mental or physical incapacity. “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace. “Common Carrier” means a conveyance operated under a license for the transportation of passengers for hire. “Complications of Pregnancy” means conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.“Covered Trips” means any scheduled Trips for which the Insured requests coverage and remits any required plan cost. “Departure Date” means the date on which the Insured is originally scheduled to leave on his/her Trip. This date is specified in the travel documents. “Destination” means any place where the Insured expects to travel to on his/her Trip as shown on the Enrollment Form “Domestic Partner” means an opposite or a same-sex partner who is at least 18 years of age and has met all of the following requirements for at least 6 months:
The Insurer may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership. “Eligible Person” means a person who is a member of an eligible class of persons as described in the Description of Eligible Persons section of the Master Application. “Experimental or Investigative” means treatment, a device or prescription medication which is recommended by a Physician, but is not considered by the medical community as a whole to be safe and effective for the condition for which the treatment, device or prescription medication is being used. This includes any treatment, procedure, facility, equipment, drugs, drug usage, devices, or supplies not recognized as accepted medical practice, and any of those items requiring federal or other governmental agency approval not received at the time services are rendered. “Family Member” means the Insured’s, or Traveling Companion’s spouse, Domestic Partner, Child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-child, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, or legal ward “Felonious Assault” means an act of violence against the Insured or a Traveling Companion requiring medical treatment in a Hospital. “Hospital” means a facility that:
“Injury/Injured” means a bodily injury caused by an accident occurring while the Insured’s coverage under the Policy is in force, and resulting directly and independently of all other causes of Loss covered by the Policy. The injury must be verified by a Physician. “Insured” means an Eligible Person for whom:
“Insurer” means National Union Fire Insurance Company of Pittsburgh, PA. “Loss” means injury or damage sustained by the Insured as a consequence of one or more of the events against which the Insurer has undertaken to compensate the Insured. “Mental, Nervous or Psychological Disorder” means a mental or nervous health condition including, but not limited to: anxiety, depression, neurosis, phobia, psychosis; or any related physical manifestation. “Natural Disaster” means a flood, hurricane, tornado, earthquake, fire or blizzard that is due to natural causes. “Necessary Personal Effects” means items such as clothing and toiletry items, which were included in the Insured’s Baggage and are required for the Insured’s Trip. “Physician” means a licensed practitioner of the healing arts including accredited Christian Science Practitioners, medical, surgical, or dental, services acting within the scope of his/her license. The treating Physician may not be the Insured, a Traveling Companion a Family Member or a Business Partner "Primary Residence” means a person's fixed, permanent and principal home for legal and tax purposes. “Reasonable Additional Expenses” means expenses for meals, and lodging which were necessarily incurred as the result of a Trip Delay and which are not provided by the Common Carrier or any other party free of charge. “Return Date” means the date on which the Insured is scheduled to return to the point where the Trip started or to a different specified Return Destination. “Return Destination” means the place to which the Insured expects to return from his/her Trip. as shown in Enrollment Form. “Schedule” means the Schedule of Benefits “Sickness” means an illness or disease diagnosed or treated by a Physician “Strike” means a stoppage of work:
This includes work slowdowns and sickouts. The Insured’s Trip cancellation coverage must be effective prior to when the Strike is foreseeable. A Strike is foreseeable on the date labor union members vote to approve a Strike. “Terrorist Incident” means an act of violence, that is deemed terrorism by the United States Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in Loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government. “Travel Supplier” means the tour operator, Hotel, cruise line, and/or airline that provides pre-paid travel arrangements for the Insured’s Trip. “Traveling Companion” means a person or persons with whom the Insured has coordinated travel arrangements and intend to travel with during the Trip. “Trip” means a period of round-Trip travel away from home to a Destination outside the Insured’s City of residence; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined Departure and Return dates specified when the Insured applies; travel is primarily by Common Carrier and only incidentally by private conveyance. “Trip Cost” means the dollar amount of Trip payments or deposits reflected on any required enrollment form which are subject to cancellation penalties or restrictions paid by the Insured prior the Insured’s Trip Departure Date. Trip Cost will also include the cost of any subsequent pre-paid payments or deposits paid by the Insured for the same Trip, after enrollment for coverage under this plan provided the Insured amends their enrollment form to add such subsequent payments or deposits and pays any required additional plan cost prior to the Insured’s Departure Date “Unforeseen” means not anticipated or expected and occurring after the effective date of coverage “Uninhabitable” means
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This plan does not cover any insured Loss caused
by or resulting from:
Pre-Existing Medical condition exclusion: The Insurer will not pay for any Loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines. The following exclusions apply to Baggage Delay: Benefits will not be provided for any loss or damage to or resulting (in whole or in part) from:
The following exclusions apply to Trip Cancellation and Trip Interruption: Unless otherwise provided by this plan Benefits will not be provided for any loss resulting (in whole or in part) from:
The following exclusions apply to ACCIDENTAL DEATH AND DISMEMBERMENT:
Excess Insurance Limitation: The insurance provided by the Policy for all coverages except Trip Cancellation and Interruption shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss payable under the Policy there is other valid and collectible insurance or indemnity in place, the Insurer shall be liable only for the excess of the amount of Loss, over the amount of such other insurance or indemnity, and applicable Deductible. |
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All claims should be presented to the Program Administrator: |
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| Claim Procedures: Notice of Claim: The Insured
must call Travel Guard as soon as reasonably possible,
and be prepared to describe the Loss, the name of the company that
arranged the Trip (i.e., tour operator, cruise line, or charter
operator), the Trip dates, and the amount that the Insured paid.
Travel Guard will fill in the claim form and forward it to the
Insured for his or her review and signature. The completed form
should be returned to Travel Guard, PO Box 47, Stevens Point WI. (telephone
1.866.385.4839). Claim Procedures: Proof of Loss: The claim forms must be sent back to Insurer no more than 90 days after a covered Loss occurs or ends, or as soon after that as is reasonably possible. All claims under the policy must be submitted to Travel Guard no later than one year after the date of Loss or insured occurrence or as soon as reasonably possible. If Insurer has not provided claim forms within 15 days after the notice of claim, other proofs of Loss should be sent to Travel Guard by the date claim forms would be due. The proof of Loss should include written proof of the occurrence, type and amount of Loss, the Insured’s name, the participating organization name, and the product number. Payment of Claims: When Paid: Claims will be paid as soon as Travel Guard receives complete proof of Loss and verification of age. Payment of Claims: To Whom Paid: Benefits are payable to the Insured who applied for coverage and paid any required plan cost. Any benefits payable due to that Insured’s death, will be paid to the survivors of the first surviving class of those that follow:
Benefits paid on account of an Insured’s death will be paid to the survivors in the first surviving class of those that follow:
All other benefits will be payable to the Insured. If a benefit is payable to a minor or other person who is incapable of giving a valid release, the Insurer may pay up to $1,000 to a relative by blood or connection by marriage who has assumed care or custody of the minor or responsibility for the incompetent person’s affairs. Any payment Insurer makes in good faith fully discharges Insurer to the extent of that payment. Trip Cancellation and Trip Interruption Payment of Loss: The Insured must provide Travel Guard documentation of the cancellation or interruption and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as canceled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the Loss. Claims involving Loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending Physician’s statement. The Insured must provide Travel Guard with all unused air, rail, cruise, or other tickets if he/she is claiming the value of those unused tickets. Baggage Delay Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the Necessary Personal Effects purchases. The following provisions apply to Baggage Delay: Notice of Loss: If the Insured's property covered under the Policy is lost or damaged, the Insured must:
Proof of Loss. The Insured must furnish the Insurer with proof of loss. Proof of loss includes police or other local authority reports or documentation from the appropriate party responsible for the loss. It must be filed within [90] days from the date of loss. Failure to comply with these conditions shall not invalidate any claims under the Policy. Settlement of Loss. Claims for damage and/or destruction shall be paid immediately after proof of the damage and/or destruction is presented to the Insurer. Claims for lost property will be paid after the lapse of a reasonable time if the property has not been recovered. The Insured must present acceptable proof of loss and the value. Valuation. The Insurer will not pay more than the Actual Cash Value of the property at the time of loss. At no time will payment exceed what it would cost to repair or replace the property with material of like kind and quality. Disagreement Over Size of Loss. If there is a disagreement about the amount of the loss either the Insured or the Insurer can make a written demand for an appraisal. After the demand, the Insured and the Insurer each select their own competent appraiser. After examining the facts, each of the two appraisers will give an opinion on the amount of the loss. If they do not agree, they will select an arbitrator. Any figure agreed to by 2 of the 3 (the appraisers and the arbitrator) will be binding. The appraiser selected by the Insured is paid by the Insured. The Insurer will pay the appraiser it chooses. The Insured will share with us the cost for the arbitrator and the appraisal process. Benefit to Bailee. This insurance will in no way inure directly or indirectly to the benefit of any carrier or other bailee. Subrogation. To the extent the Insurer pays for a loss suffered by an Insured, the Insurer will take over the rights and remedies the Insured had relating to the loss. This is known as subrogation. The Insured must help the Insurer preserve its rights against those responsible for its loss. This may involve signing any papers and taking any other steps the Insurer may reasonably require. If the Insurer takes over an Insured's rights, the Insured must sign an appropriate subrogation form supplied by the Insurer. As a condition to receiving the applicable benefits listed above, as they pertain to this Subrogation provision, the Insured agrees, except as may be limited or prohibited by applicable law, to reimburse the Insurer for any such benefits paid to or on behalf of the Insured, if such benefits are recovered, in any form, from any Third Party or Coverage. Coverage. as used in this Subrogation section, means no fault motorist coverage, uninsured motorist coverage, underinsured motorist coverage, or any other fund or insurance policy (except coverage provided under the Policy to which this Description of Coverage is attached) and any fund or insurance policy providing the Policyholder with coverage for any claims, causes of action or rights the Insured may have against the Policyholder). Third Party. as used in this Subrogation section, means any person, corporation or other entity (except the Insured, the Policyholder and the Company). |
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| Physical Examination and Autopsy. The Insurer at
its own expense has the right and opportunity to examine the person
of any individual whose loss is the basis of claim under the Policy
when and as often as it may reasonably require during the pendency
of the claim and to make an autopsy in case of death where it is
not forbidden by law. Beneficiary Designation and Change. The Insured’s beneficiary(ies) is (are) the person(s) designated by the Insured and on file with Travel Guard. An Insured over the age of majority and legally competent may change his or her beneficiary designation at any time, unless an irrevocable designation has been made, without the consent of the designated beneficiary(ies), by providing Travel Guard with a written request for change. When the request is received, whether the Insured is then living or not, the change of beneficiary will relate back to and take effect as of the date of execution of the written request, but without prejudice to the Insurer on account of any payment made by it prior to receipt of the request. Assignment. An Insured may not assign any of his or her rights, privileges or benefits under the Policy. Misstatement of Age. If premiums for the Insured are based on age and the Insured has misstated his or her age, there will be a fair adjustment of premiums based on his or her true age. If the benefits for which the Insured is insured are based on age and the Insured has misstated his or her age, there will be an adjustment of said benefit based on his or her true age. The Insurer may require satisfactory proof of age before paying any claim. Legal Actions. No action at law or in equity may be brought to recover on the Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of the Policy. No such action may be brought after the expiration of 3 years after the time written proof of loss is required to be furnished. Arbitration. Notwithstanding anything in this coverage to the contrary, any claim arising out of or relating to this contract, or its breach, may be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial rules except to the extent provided otherwise in this clause. Judgment upon the award rendered in such arbitration may be entered in any court having jurisdiction thereof. All fees and expenses of the arbitration shall be borne by the parties equally. However, each party will bear the expense of its own counsel, experts, witnesses, and preparation and presentation of proofs. The arbitrators are precluded from awarding punitive, treble or exemplary damages, however so denominated If more than one Insured is involved in the same dispute arising out of the same Policy and relating to the same Loss or claim, all such Insureds will constitute and act as one party for the purposes of the arbitration. Nothing in this clause will be construed to impair the rights of the Insureds to assert several, rather than joint, claims or defenses. Concealment or Fraud: The Insurer does not provide coverage if the Insured has intentionally concealed or misrepresented any material fact or circumstance relating to the policy or claim. Payment of Premium: Coverage is not effective unless all premium due has been paid to Travel Guard prior to a date of Loss or insured occurrence. Termination of the Policy: Termination of the policy will not affect a claim for Loss which occurs while the policy is in force. Transfer of Coverage: Coverage under the policy cannot be transferred by the Insured to anyone else.Notice to California residents: The plan contains disability insurance benefits or health insurance benefits, or both, that only apply during your covered Trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan. Notice to Florida residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida. Notice: Your homeowners policy, if any, may provide coverage for loss of personal effects provided by any Baggage/Personal Effects coverage provided by the policy. This insurance is not required in connection with the Insured's purchase of travel tickets. The definition of “Hospital” applicable to residents of Florida includes a facility that is accredited by the Joint Commission on the Accreditation of Hospitals, the American Osteopathic Association, or the Commission on the Accreditation of Rehabilitative Facilities. For inquiries, information about coverage or for assistance in resolving complaints call: 1.866.385.4839. Notice to North Carolina residents: This Description of Insurance provides all of the applicable benefits mandated by the North Carolina Insurance code, but is issued under a master policy located in another state and may be governed by that state's laws. Notice to Texas residents: The policy may provide a duplication of coverage already provided by the Insured’s personal auto insurance, homeowner’s, personal liability policy, or other source of coverage. |
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| Underwritten by National Union Fire Insurance Company of Pittsburgh, Pa, a Pennsylvania Insurance Company, NAIC No. 19445, a member of the AIG Companies® with their principal place of business at 70 Pine Street, New York, NY 10270 and currently authorized to transact business in all states and the District of Columbia. |