Trip Cost Per Person

Trip Cancellation ..................................................................................Trip Cost
Trip Interruption ....................................................................................Trip Cost
Travel Delay..........................................................................................$ 750
(Maximum of $150 per day)
Missed Connection ...............................................................................$ 250
Baggage & Personal Effects Loss ..........................................................$ 750
(Includes lost, stolen, or damaged luggage or travel documents)
Baggage Delay .....................................................................................$ 200
Medical Expense ..................................................................................$ 25,000
Emergency Medical Transportation ........................................................$ 500,000
Travel Guard® Assist ...........................................................................Included
LiveTravel Assistance ...........................................................................Included
Concierge Services ..............................................................................Included

Additional Coverages
Flight Guard (Maximum of $ 500,000).....................................................Amount Selected
Collision Damage Waiver .....................................................................$ 25,000
Additional Optional Coverage
(for which appropriate additional premium has been paid)
Medical Expense ...............................................................................$ 25,000

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER:
The Pre-Existing Medical Condition Exclusion will be waived if the insurance is purchased within fifteen calendar days of the “initial trip payment.” (Day one is the date the “initial trip payment” is received.) This exclusion applies to all coverages. It applies to the Insured, all the Immediate Family Members, and Traveling Companions, whether or not they are traveling with the Insured. Please read it carefully.

PRE-EXISTING MEDICAL CONDITION EXCLUSION:
The Insurer will not pay for loss or expense incurred as the result of Injury or Sickness of an Insured or Immediate Family Member which manifests itself, worsened, became acute, or had symptoms, which would prompt a reasonable person to seek diagnosis, care, or treatment, or request treatment by a physician or treatment had been recommended during the 180 days immediately preceding and including the Insured’s coverage effective date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 180-day period. A Sickness has manifested itself when medical care, treatment, or diagnosis has been given. The Insurer will waive this exclusion if the Insured meets the following conditions:
1. The Insured purchases the plan within 15 days of making his/her “initial trip payment”;
2. The amount of Trip Cancellation coverage purchased must equal the full cost of all pre-paid non-refundable Trip arrangements;
3. The booking for this Trip must be the first and only booking for this travel period and Destination;
4. The Insured must be medically able to travel when he/she pays his/her premium.

DEFINITIONS
“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 an individual who: (a) is involved with the Insured or the Insured’s Traveling Companion in a legal partnership; and (b) is actively involved in the daily management of the business.
“Common Carrier” means any conveyance operated under a license for the transportation of passengers for hire.
“Complication of Pregnancy” means a condition whose diagnosis is distinct from pregnancy but adversely affected or caused by pregnancy. It does not include any condition associated with the management of a difficult pregnancy not consisting of a classifiable distinct Complication of Pregnancy.
“Default” means any failure of a provider of travel-related services (including any tour operator) to provide the bargained-for travel services or to refund money due the Insured.
“Destination” means the place where the Insured expects to travel 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: (1) resides with the Insured; (2) shares financial assets and obligations with the Insured; the Insurer may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.
“Exotic Vehicle” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lexus, Lotus, Maserati, Mercedes, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Stutz, Sterling, and Triumph. The Insured must contact Travel Guard customer service at 1.800.549.9037 before renting to confirm whether the vehicle is covered.
“Financial Default” means either (i) the complete suspension of operations due to financial circumstances, whether or not a bankruptcy petition is filed; or (ii) a partial suspension of the operations following a filing of a bankruptcy petition.
“Hospital” means a place that: (a) holds a valid license; (b) is run mainly for the care and treatment of sick or injured persons as inpatients; (c) has a staff of one or more Physicians available at all times; (d) provides 24-hour nursing service and has at least one registered nurse on duty at all times; (e) has organized diagnostic and surgical facilities, either on the premises or on a contract basis with another Hospital; and (f) is not mainly a clinic, or facility for nursing, rest or convalescence, or a place for the aged.
“Immediate Family Member” means the Insured’s or Traveling Companion’s spouse, Domestic Partner, child, spouse’s child, daughter- in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, or legal ward.
“Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
“Injury” means a bodily injury caused by an accident occurring while this Policy is in force as to the Insured whose injury is the basis of a claim, 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 the person named on the individual Enrollment Form.
“Insurer” means American Home Assurance Company on all coverages with the exception of Collision Damage Waiver. For Collision Damage Waiver coverage, Insurer means National Union Fire Insurance Company of Pittsburgh, PA.
“Medically Necessary” means that a treatment, service, or supply: (1) is essential for diagnosis, treatment, or care of the Injury or Sickness for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; (3) is ordered by a Physician and performed under his or her care, supervision, or order; and (4) is not primarily for the convenience of the Insured, Physician, other providers, or any other person.
“Natural Disaster” means a flood, hurricane, tornado, earthquake, or blizzard that is due to natural causes.
“Physician” means a government-licensed practitioner of the healing arts including accredited Christian Science Practitioners, acting within the scope of his/her license. The treating Physician may not be the Insured, Immediate Family Member, or a Traveling Companion.
“Reasonable and Customary Charges” means an expense which: (a) is charged for treatment, supplies, or medical services Medically Necessary to treat the Insured’s condition; (b) does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and (c) does not include charges that would not have been made if no insurance existed. In no event will the Reasonable and Customary Charges exceed the actual amount charged.
“Reasonable Additional Expenses” means any expenses for meals and lodging which were necessarily incurred as the result of a Trip Interruption or Travel Delay and which are not provided by the Common Carrier or any other party free of charge.
“Return Destination” means the place to which the Insured expects to return from his/her Trip.
“Sickness” means an illness or disease which requires treatment by a Physician.
“Strike” means a stoppage of work (a) announced, organized, and sanctioned by a labor union and (b) which interferes with the normal departure and arrival of a Common Carrier. Included in the definition of Strike are work slowdowns and sickouts.
“Terrorist Incident” means an act of violence, 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 Agent” means the travel agent, tour operator, or other entity from which the Insured purchases his/her coverage or travel arrangements, and includes all officers, employees, and affiliates of the Travel Agent or tour operator.
“Traveling Companion” means a person or persons with whom you have coordinated travel arrangements and intend to travel with during the Trip. A group or tour leader is not considered a Traveling Companion, unless you are sharing room accommodations with the group or tour leader.
“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; the Trip does not exceed 365 days; and the Insured’s Destination is not to another home; travel is primarily by Common Carrier and only incidentally by private conveyance.
“Trip Completion 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.
“Trip Departure Date” means the date on which the Insured is originally scheduled to leave on his/her Trip.

INDIVIDUAL ELIGIBILITY, EFFECTIVE & TERMINATION DATES
Persons eligible for insurance under the policy are any traveler(s) who purchases his/her insurance through or from a properly licensed agent/agency located in the U.S., who enrolls for coverage and pays the premium, providing he/she has not already departed on his/her Trip.
Effective Date: After premium is paid by the Insured and the Enrollment Form is completed and signed, TRIP CANCELLATION BENEFIT will be effective: (a) at 12:01 a.m. on the date after the Enrollment Form is postmarked to TRAVEL GUARD® if coverage is purchased by mail; (b) at 12:01 a.m. on the day after the Enrollment Form is phoned in to TRAVEL GUARD® if coverage is purchased via phone; (c) at 12:01 a.m. on the day after the Enrollment Form is faxed to TRAVEL GUARD® if coverage is purchased by facsimile; or (d) at 12:01 a.m. on the day after the online purchase confirmation date. All other coverages will begin on the later of: (a) the date and time the Insured starts his/her Trip, or (b) the scheduled Trip Departure Date shown on the Enrollment Form.
Termination Date: All coverage ends on the earlier of: (a) the date the Trip is completed; (b) the scheduled Trip Completion Date; (c) the Insured’s arrival at the Return Destination on a round Trip, or the Destination on a one-way Trip; or (d) cancellation of the Trip covered by the policy.
Extension of Coverage: All coverage under the policy will be extended, if: (a) the Insured’s entire Trip is covered by the policy; and (b) the Insured’s return is delayed by unforeseeable circumstances beyond his/her control. If coverage is extended for the above reasons, coverage will end on the earlier of: (a) the date the Insured reaches his/her Return Destination; or (b) seven days after the date the Trip was scheduled to be completed.

GENERAL EXCLUSIONS
These exclusions apply to all benefits. In addition to any exclusions which apply to a particular benefit (called “Additional Exclusions”), the policy does not cover loss caused by:
(a) intentionally self-inflicted Injury, suicide, or attempted suicide while sane or insane;
(b) pregnancy or childbirth, or elective abortion, other than the Complications of Pregnancy;
(c) participation in professional athletic events, motor sport, or motor racing, including training or practice for the same;
(d) mountain climbing;
(e) war or act of war, whether declared or not, civil disturbance, riot, or insurrection;
(f) military duty or service;
(g) operating or learning to operate any aircraft, as student, pilot, or crew;
(h) air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
(i) loss or damage caused by detention, confiscation, or destruction by customs;
(j) any unlawful acts, committed by the Insured, Immediate Family Member, or a Traveling Companion, whether insured or not;
(k) civil disorder;
(l) if the Insured’s tickets do not contain specific travel dates (open tickets);
(m) use of drugs, narcotics, or alcohol, unless administered upon the advice of a Physician; or
(n) mental, psychological, or nervous disorders including, but not limited to, anxiety, depression, neurosis, or psychosis.

MAXIMUM LIMIT OF LIABILITY: All limits are applied per Trip. The Insurer’s maximum limit of liability resulting from the same occurrence will be $10,000,000 under the Travel Guard Program Policies (TGP Policies). If loss for all Insureds from such an occurrence exceeds $10,000,000, the Insurer will pay each Insured that proportion of the Benefits stated which $10,000,000 bears to the total loss of all persons the Insurer insures under all travel and flight insurance in force, under the TGP policies. The Insurer will pay no more than $250,000 per occurrence, under the TGP policies, to or on account of any person insured under the TGP policies.

TRIP CANCELLATION AND INTERRUPTION
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits. If a Trip is canceled or interrupted for the Insured due to any of the following unforeseen circumstances:

(a) Sickness (see definition), Injury or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be delayed, canceled, or interrupted. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of an Immediate Family Member, it must be because their condition is life-threatening, and because the Immediate Family Member requires the Insured’s care. Cancellations due to the death of an Immediate Family Member or Traveling Companion are covered;
(b) Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Excluded is the organization from which the Insured purchased his/her Trip and this coverage. Financial Default occurring on or before the Insured’s coverage effective date or less than fourteen days after the Insured’s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of “initial trip payment.” “Initial trip payment” means the date the first deposit is made to the Insured’s Travel Agent toward the cost of his/her Trip;
(c) Inclement Weather causing delay or cancellation of travel;
(d) Strike resulting in complete cessation of travel services at the point of departure and Destination;
(e) the Insured’s principal residence or Destination being made uninhabitable by fire, flood, vandalism, or Natural Disaster;
(f) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined; or
(g) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace.

Trip Cancellation Benefits: The Insurer will reimburse this benefit up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled before the scheduled Trip Departure Date due to the reasons shown at the beginning of this section. The Insurer will reimburse for the following:
(a) forfeited, non-refundable prepaid deposits or payments, or unused prepaid payments or deposits;
(b) the charge for a single supplement if the Insured’s Traveling Companion or traveling Immediate Family Member’s Trip is canceled but the Insured’s is not.

Trip Interruption Benefits: The Insurer will reimburse this benefit up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted or delayed due to the reasons shown at the beginning of this section. The Insurer will reimburse for the following:
(a) forfeited, non-refundable, unused prepaid payments, made prior to your Trip Departure Date or travel arrangements for the Insured’s Trip if the Insured’s Trip is interrupted; or
(b) additional transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and
leaves after the Trip Departure Date. However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured’s original tickets were first class) by the most direct route, less any refunds paid or payable;
(d) the Insured’s additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a
Traveling Companion’s Trip is interrupted, and the Insured’s Trip is continued.
The Insured Must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows the Trip is going to be canceled or interrupted. Failure to do so may affect coverage.

In addition to the General Exclusions, coverage is not provided for losses caused by or as a result of:
(i) carrier-caused delays including an announced, organized, sanctioned labor union Strike that affects public transportation, unless the Insured’s coverage effective date is prior to when the Strike is foreseeable. A Strike is foreseeable on the date labor union members vote to approve a Strike, except as provided elsewhere in the policy; (ii) travel arrangements canceled by an airline, cruise line, or tour operator, except as provided else- where in the policy; (iii) changes by the Insured, an Immediate Family Member, or Traveling Companion, for any reason; (iv) financial circumstances of the Insured, an Immediate Family Member, or a Traveling Companion; (v) any business or contractual obligations of the Insured, an Immediate Family Member, or Traveling Companion; (vi) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage and purchased his/her travel arrangements; (vii) any government regulation or prohibition; (viii) an event which occurs prior to the Insured’s coverage Effective Date, whether known to the Insured or not; (ix) failure of any tour operator, Common Carrier, person, or agency to provide the bargained-for travel arrangements.

The Insured’s Duties in the Event of Loss:
The Insured must provide the Insurer documentation of the cancellation, interruption, or delay 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 the Insurer with all unused air, rail, cruise, or other tickets if he/she is claiming the value of those unused tickets.

TRAVEL DELAY
The Insurer will reimburse up to $150 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip is delayed for more than 12 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Travel Delay must be caused by: (a) the Insured being delayed by a traffic accident while en route to a departure; or (b) carrier-caused delay; (c) lost or stolen passports, travel documents, or money; or
(d) quarantine; (e) being hijacked; (f) unannounced Strike; (g) Inclement Weather which prohibits Common Carrier departure; or (h) Natural Disaster. Payments for additional accommodation expenses will not exceed $100 per day per individual, up to the Maximum Limit of Coverage for Reasonable Additional Expenses.
The Insured Must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows his/her Trip is going to be delayed more than 12 hours. Failure to do so may affect coverage.

MISSED CONNECTIONS
The Insurer will reimburse this benefit up to the Maximum Limit shown on the Schedule of Benefits if Inclement Weather or Carrier causes cancellation or a delay of all regularly scheduled airline flights for three to less than twelve hours to your point of departure. You can collect up to $250 for additional transportation costs to join the Trip (must be same class of original tickets purchased). Reasonable accommodations and meals (up to $100 per day), and/or the non-refundable, unused portion of the prepaid expenses as long as the expense is supported by a proof of purchase and is not reimbursable by another source. Common Carrier must certify the delay of the regularly scheduled airline flight.

LOSS OF BAGGAGE AND PERSONAL EFFECTS
The Insurer will reimburse this benefit, up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will pay for loss, theft, or damage to the Insured’s Baggage, passports, and visas during the Insured’s Trip. There is a maximum of $4,000 per traveling group.
Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a charter or Common Carrier, and delivery is delayed, this coverage will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.
Property Not Covered: The Insurer will not pay for damage or loss of:
(a) animals;
(b) bicycles (except when checked with a Common Carrier);
(c) motor vehicles and other conveyances;
(d) artificial limbs, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
(e) tickets, keys, money, notes, securities, accounts, bills, currency, deeds, food stamps or other evidences of debt, credit cards, and other travel documents (except passports and visas);
(f) money, stamps, stocks and bonds, postal or money orders;
(g) property shipped as freight, or shipped prior to the Trip Departure Date; or
(h) contraband.
Special Limitation: The Insurer will not pay more than $500 for the first item and thereafter, no more than $250 per item up to the limit of coverage as defined on the Schedule of Benefits. The Insurer will not pay more than $500 aggregate on all losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, sporting equipment, computers, and other electronic devices. Items over $150 must be accompanied by original receipts. If receipts are not provided, benefits will be reduced.
Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay this loss due to: (a) defective materials or craftsmanship; (b) normal wear and tear; (c) deterioration; or (d) rodents, animals, or insects.
Payment of Loss: The Insured Must: (a) Report theft losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs. The Insurer will reimburse the Insured for those expenses. The Insurer will not pay for further damage if the Insured fails to protect his/her Baggage; (c) allow the Insurer to examine the damaged baggage and/or the Insurer may require the damaged item to be sent in the event of payment; (d) send sworn proof of loss as soon as possible from date of loss, providing amount of loss, date, time, and cause of loss, and a complete list of damaged/lost items; or (e) in the event of theft or unauthorized use of the Insured’s credit cards, the Insured must notify the credit card company immediately to reduce his/her loss. Any items $150 or more must be accompanied by the original receipt. Benefits for Baggage and Personal Effects will be the excess of any amount paid or payable by a Common Carrier or other third party responsible for the loss.

BAGGAGE DELAY
The Insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured reaches his/her Return Destination. The Insurer will also pay the reasonable cost to return the Insured’s Baggage to his/her home, up to his/her limit of coverage.
Payment of Loss: The Insured must provide documentation of the delay or misdirection of baggage by the Common Carrier and receipts for the emergency purchases.

MEDICAL EXPENSE BENEFIT
The Insurer will pay this benefit, up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will pay for Reasonable and Customary Charges for medical and surgical expenses incurred by the Insured within one year from the date of Injury or Sickness provided initial treatment was received during the Trip. The Injury must occur or Sickness must begin while the Insured is covered by the policy.
Covered Expenses: The Insurer will pay emergency dental treatment only during a Trip. Payment for dental expenses are limited to $500. Dental coverage does not apply if treatment or expenses are incurred after the Insured has reached his/her Return Destination, regardless of the reason. The treatment must be given by a Physician or dentist. The Insurer will pay for professional nursing, Hospital charges, X-ray, and ambulance services and prosthetic devices. Physical therapy will be covered up to 90 days after the Insured reaches his/her Return Destination. Benefits payable will not exceed Reasonable and Customary Charges for similar services in the geographic area in which the services were rendered. If the Insured is covered by any other group, blanket health, accident insurance, or assistance plan, and would, as a result, receive total benefits in excess of the expenses actually incurred, the benefits the Insurer will pay will be reduced by such excess. The Insurer also will not pay for amounts paid or awarded under any workers’ compensation, disability benefit, or similar law.
Additional Exclusions: In addition to the General Exclusions, coverage is not provided for: (a) routine physical examinations; (b) mental health care; (c) hearing aids, eye glasses, contact lenses, sunglasses, and artificial teeth; (d) routine dental care; (e) treatment arising from alcohol or substance abuse; (f) cosmetic surgery, other than reconstructive surgery when necessary due to an Injury as a result of an accident which occurs while coverage is in effect; (g) any service provided by the Insured, an Immediate Family Member, or Traveling Companion.
Payment of Loss: The Insured must provide the Insurer with: (a) all medical bills and reports for Medical Expenses claimed; and (b) a signed patient authorization to release medical information to the Insurer. Make sure you call Travel Guard (1.800.549.9037 or 1.715.345.0505) before you seek medical care while traveling. Where available, we can arrange direct payment to a member of our Preferred medical network, saving you the time and paperwork associated with reimbursement of medical expenses. By calling us first, we can authorize a cash advance for medical providers that require upfront payments. Our assistance coordinators also can help you locate the nearest and most appropriate medical provider, monitor your care, and provide updates to your family and/or employer.

EMERGENCY MEDICAL TRANSPORTATION
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will arrange for emergency medical transportation services required by the Insured as the result of any Injury or emergency Sickness during a Trip.
Covered Expenses: The Insurer will arrange and pay: (a) Reasonable and Customary Charges required for evacuation to the nearest adequate medical facility or home if medically required. This service will be arranged only if the Insured’s Physician determines that adequate medical treatment is not locally available; (b) up to $5,000 for Reasonable and Customary Charges for escort expenses required by the Insured, if the Insured is disabled during a Trip and an escort is recommended, in writing, by a Physician; (c) Reasonable and Customary Charges for services for transportation of the Insured’s remains to his/her place of residence if he/she dies during a Trip.
Service must be provided by a provider designated by the Insurer. Timely notification by the Insured to the Insurer’s designated provider is required, with regard to emergency evacuation.
The insurance provided under this benefit shall be in excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.
Additional Benefit: In addition to the above covered expenses, if the Insurer has previously evacuated an Insured to a medical facility, the Insurer will pay his/her airfare costs from that facility to the Insured’s Return Destination, within one year from the Insured’s original Trip Completion Date, less refunds from the Insured’s unused transportation tickets. Airfare costs will be economy, or first class if the Insured’s original tickets are first class. This benefit is available only if it is not provided under another coverage in this policy.
The Insured Must: Contact TRAVEL GUARD® (1.800.549.9037 or 1.715.345.0505) prior to arranging emergency medical transportation. Failure to do so may affect coverage.

FLIGHT GUARD – FLIGHT ACCIDENT BENEFIT
The Insurer will pay for the Insured’s covered accidental loss of life, hand, foot, or sight which occurred: 1) while he or she was riding as a passenger on or boarding or alighting from a Scheduled Air Carrier, and 2) within 365 days of the accident.
The amount of this benefit is shown below.
Percentage of Principal
Loss: Sum Payable
Life ..............................................................................................................100%
Both hands or feet, or sight of both eyes .........................................................100%
One hand and one foot ..................................................................................100%
One hand or one foot and sight of one eye ......................................................100%
One hand ..................................................................................................... 50%
One foot ....................................................................................................... 50%
Sight of one eye ............................................................................................ 50%
If the Insured suffers more than one loss from an accident, the Insurer will pay only for the loss with the larger benefit.
Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight. “Scheduled Air Carrier” means any air carrier holding a certificate, license, or similar authorization for civilian scheduled air transport issued by the country of the aircraft’s registry, and which in accordance with that authorization flies, maintains, and publishes schedules and tariffs for regular passenger service between named cities at regular and specified times, but only if the aircraft is then being used for any regular or chartered flight operated by such carrier.
The Insurer will not pay more than 100% of the Principal Sum for all losses due to the same accident.

COLLISION DAMAGE WAIVER
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits. Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood, or any cause not within the Insured’s control while in his/her possession, or the car is stolen while rented by the Insured and not recovered, the Insurer will pay the lesser of: (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or (c) the Actual Cash Value of the car. Coverage is provided to the Insured and his/her Traveling Companion, providing the Insured and his/her Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity. In addition to the General Exclusions, coverage is not provided for loss due to:
(a) any obligation the Insured or his/her Traveling Companion assume under any agreement (except insurance collision deductible);
(b) rentals of trucks, campers, trailers, off-road or four wheel drive vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles; (c) any loss which occurs if the Insured or his/her Traveling Companion are in violation of the rental agreement; (d) failure to report the loss to the proper local authorities and the rental car company; or (e) damage to any other vehicle, structure, or person as a result of a covered loss.
The Insured’s Duties in the Event of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver’s license number; and provide the Insurer all documentation such as rental agreement, police report, and damage estimate.

PAYMENT OF CLAIMS
Claim Procedures: Notice of Claim: The Insured must call Travel Guard as soon as reasonably possible, and be prepared with what coverage the loss was under (i.e., Medical Expenses), 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 Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin 54481 (telephone 1.715.345.0505 or 1.800.826.7791). All California claims will be administered by Mercury Claims Administrator Services, LLC.
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 Insurer 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 policy number.
Payment of Claims: To Whom Paid: Benefits paid on account of an Insured’s death will be paid to the beneficiary he/she has chosen. This choice must be in writing and filed with the Insurer, or filed with the Insurer or Insurer’s administrator if Insurer has agreed in advance. If the Insured has not chosen a beneficiary, or if there is no beneficiary alive when he/she dies, Insurer will pay this benefit:
(1) To his/her spouse, if living.
(2) If there are none, in equal shares to his/her living children.
(3) If there are none, in equal shares to his/her living parents.
(4) If there are none, in equal shares to his/her living brothers and sisters.
(5) If there are none, to his/her estate.
If a benefit is payable to the Insured’s estate or 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. All other benefits will be payable to the Insured. However, if he/she has assigned his/her benefits, Insurer will honor the assignment, if Insurer has a signed copy of the assignment. A payment made pursuant to such an assignment shall discharge Insurer from further liability under the policy to the extent of such payment. Under no circumstances shall Insurer be responsible for the validity or sufficiency of any such assignment.
Payment of Claims: When Paid: Claims will be paid as soon as Insurer receives complete proof of loss (and verification of age).
Payment of Claims: To Whom Paid: Benefits for Medical Expense/emergency medical transportation services may be payable directly to the provider of the services. However, the provider: (a) must comply with the statutory provision for direct payment, and (b) must not have been paid from any other sources.
Problems with the insurance? If so, do not hesitate to contact the insurance provider or agent to resolve your problem at 1145 Clark Street, Stevens Point, WI 54481, or call at 1.800.549.9037.

Trip Cost Per Person:	AGE
Trip Cost Per Person:	0-34	35-59	60-69	70-74	75-79	80-84	85+

$0*	$15	$23	$25	$32	$38	$57	$64
$ 1-$500	$24	$36	$40	$51	$60	$91	$102
$ 501-$1,000	$41	$52	$65	$89	$108	$139	$172
$ 1,001-$1,500	$53	$71	$89	$117	$154	$183	$242
$ 1,501-$2,000	$72	$94	$123	$166	$201	$238	$311
$ 2,001-$2,500	$92	$118	$152	$205	$248	$294	$381
$ 2,501-$3,000	$111	$139	$181	$245	$295	$347	$453
$ 3,001-$3,500	$130	$148	$211	$284	$340	$402	$522
$ 3,501-$4,000	$148	$162	$240	$323	$388	$467	$592
$ 4,001-$4,500	$165	$185	$303	$362	$434	$528	$662
$ 4,501-$5,000	$184	$206	$340	$401	$481	$590	$731
$ 5,001-$5,500	$211	$244	$374	$472	$528	$662	$802
$ 5,501-$6,000	$237	$281	$407	$516	$575	$733	$873
$ 6,001-$6,500	$258	$307	$444	$561	$621	$801	$943
$ 6,501-$7,000	$279	$333	$481	$605	$667	$869	$1012
$ 7,001-$8,000	$307	$362	$540	$684	$762	$977	$1155
$ 8,001-$9,000	$345	$392	$598	$764	$856	$1084	$1295
$ 9,001-$10,000	$382	$422	$659	$842	$953	$1192	$1439
$10,001-$11,000	$438	$491	$752	$958	$1118	$1391	$1680
$11,001-$12,000	$495	$556	$827	$1068	$1261	$1569	$1893
$12,001-$13,000	$552	$623	$896	$1175	$1408	$1752	$2081
$13,001-$14,000	$611	$691	$977	$1281	$1558	$1940	$2269
$14,001-$15,000	$672	$761	$1058	$1387	$1713	$2132	$2457
Above rates do not include a $6 policy fee. *The zero Trip Cost option means there is no coverage for Trip Cancellation or Trip Interruption.