Accident & Sickness Insurance Information
CIEE is pleased to provide all CIEE program participants with the iNext Travel Card. Among its many benefits, the iNext card includes insurance coverage under the group sickness, accident, and travel insurance policy maintained by CIEE and administered by CHARTIS Travel Guard, the industry’s leading provider of travel insurance plans. The policy is designed to supplement your private insurance by providing additional coverage for the costs of accidents and routine sicknesses while you are abroad. Additionally, the policy offers Emergency Evacuation and Emergency Medical Transportation coverage, 24-hour Medical, Legal, and Travel Assistance Services, Travel Document Replacement, as well as limited Travel Delay, Baggage Delay, and Baggage and Personal Effects coverage.
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SHOULD I PURCHASE OR MAINTAIN MY U.S. HEALTH INSURANCE PLAN?Before you depart for your program it is important that you understand that the coverage provided by CHARTIS Travel Guard begins only when you leave the U.S., and ends immediately upon your return to the U.S. For coverage in the U.S., you must purchase or maintain a separate plan. CIEE strongly recommends that you consider retaining your U.S. health insurance, including hospitalization, even while abroad. This will cover you both before you leave and after you return from your program; and should you have an accident or illness abroad that requires long term care, you will have insurance upon your return to cover these expenses. You may find it difficult to purchase a health plan if you return to the U.S. with what an insurance company considers to be a pre-existing condition.
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HOW DOES SUPPLEMENTAL INSURANCE WORK?Like all travel insurance policies, the coverage provided by CHARTIS Travel Guard is
supplemental or secondary to any other coverage that you may have. In other words, if you are
covered by another insurance policy – e.g., a personal policy, college/university policy, or a policy
maintained by your parents – then that policy is your primary policy. Prior to departure, you
should contact your primary insurance carrier concerning coverage for accidents, illnesses, and liability cases that occur outside the U.S. Check your policy’s limitations before making any assumptions about coverage.
In the event that you must file a claim for reimbursement of medical expenses incurred while you are abroad, please note that you must file a claim with your primary insurance carrier FIRST to determine what, if any, portion of those medical expenses are reimbursable through your primary policy. Subsequently, you should file a claim with CHARTIS Travel Guard for any amount that was not covered by your primary insurance carrier.
IMPORTANT!
While abroad, you should have your primary insurance carrier and policy information readily available. During the CHARTIS Travel Guard claim process, you will be asked to submit the following:
o Name of Primary Insurance Carrier
o Complete Street Address of Primary Insurance Carrier
o Telephone Number of Primary Insurance Carrier
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HOW LONG AM I COVERED BY THE CHARTIS TRAVEL GUARD POLICY?You are covered for 365 days from the start date of coverage – regardless of the length of your CIEE program. Generally, the start date of coverage is two weeks prior to the date that your CIEE program begins. The dates of coverage are noted on the front of your iNext card.
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AM I COVERED IN COUNTRIES OTHER THAN MY CIEE PROGRAM COUNTRY?Yes. Your insurance coverage is valid in any country outside the 50 United States and District of
Columbia. This is particularly beneficial should you require medical care when traveling independently during holidays, semester break, or after your CIEE program has ended.
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IS IT POSSIBLE TO GET REFERRALS TO LOCAL DOCTORS OR HOSPITALS ABROAD? CHARTIS Travel Guard maintains a fairly extensive database of licensed medical providers and is available 24/7 to offer referrals over the telephone. Simply call CHARTIS Travel Guard collect at the number provided on the back of your iNext Travel Card.It should be noted that CHARTIS Travel Guard is only able to offer referrals to medical providers. There is no list of preferred providers with which CHARTIS Travel Guard has an established “financial” relationship. Unlike in the United States, most medical providers abroad are not set up, or even willing, to bill an overseas insurance company directly. In addition, no insurance company can force any doctor or medical facility to bill insurance rather than the patient. As with most travel insurance, the customary procedure with CHARTIS Travel Guard is for you to pay for medical treatment received, and then submit a claim for reimbursement.
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IS PRE-APPROVAL REQUIRED BEFORE I RECEIVE MEDICAL TREATMENT?No. You do not have to contact CHARTIS Travel Guard before receiving any medicaltreatment
aside from hospitalization or surgery. Treatment by any doctor or medical facility that is licensed to practice medicine will be covered. Simply go to a doctor, get a prescription, pay the doctor, and then submit a claim for reimbursement.
Exception:
You MUST call CHARTIS Travel Guard before being admitted to a hospital or prior to a scheduled surgery unless it is an emergency situation and a call is not possible, in which case CHARTIS Travel Guard should be notified as soon as possible.
IMPORTANT!
In the event of an emergency, if it is possible to contact CHARTIS Travel Guard immediately (available 24/7), CHARTIS Travel Guard may be able to arrange direct payment with the hospital or coordinate payment guarantees for serious and/or expensive cases. In addition, CHARTIS Travel Guard will attempt to facilitate contact between your family members and the attending doctor to help evaluate the best possible treatment. This service will begin without first checking for other insurance coverage, which obviously is a secondary concern compared to your wellbeing. Instead CHARTIS Travel Guard will get involved immediately and, afterwards, seek reimbursement from any other insurance company that may be in existence (i.e., subrogate against your primary insurer).
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WHAT IS THE PROCESS FOR FILING A CLAIM?You should telephone CHARTIS Travel Guard as soon as possible after receiving treatment to initiate the claim process. When calling, you should have the following information available:
o Policy Number (listed on the back of your iNext Travel Card)
o What coverage type or benefit category the claim is under (e.g. Medical Expense,
Baggage or Personal Effects, Travel Document Replacement, etc.)
o The amount that you paid (if applicable)
During the phone call, a claim form will be completed by the CHARTIS Travel Guard
representative based on your responses. The completed form will be mailed or faxed to you or to a recipient in the U.S. designated by you (e.g. parent or family member). Upon receipt or upon return to the U.S., review the claim form for accuracy, sign the form, and return it to CHARTIS Travel Guard along with any requested supporting documentation, such as original receipts, primary insurance information, proof of travel (e.g. a copy of your flight itinerary), etc.
In order to avoid lengthy bank processing times and finance charges associated with cashing an international check, it may be advantageous for you to request that CHARTIS Travel Guard send the reimbursement check to a recipient in the U.S. (e.g. parent or family member).
Telephone Protocol:
When calling from abroad, place a collect call (reverse charge) to CHARTIS Travel Guard at the number indicated on the back of your iNext Travel Card. If, for whatever reason, a collect call is not possible and you must dial CHARTIS Travel Guard directly, you should ask the answering CHARTIS Travel Guard representative to call you back, hang up, and then wait for the call.
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WHAT ARE THE POLICY EXCLUSIONS?The policy does not include coverage for pre-existing conditions; mental, psychological, or nervous disorders; routine physical or dental examinations; or preventative medicine. For a complete list of exclusions, please refer to the policy description online (see below).
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WHAT IS A PRE-EXISTING CONDITION?Any injury, sickness, or other condition identified within 90 days before the start date of coverage. For additional information, please refer to the policy description online (see below).
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SCHEDULE OF BENEFITS & PROVISIONS AT A GLANCEBelow is a list of the maximum limits of the benefits available under your CHARTIS Travel Guard policy. A comprehensive description of the benefits and basic provisions of the policy is available
online at http://www.travelguard.com/partners/EducationalExchange.pdf.
Deductible $0
Accident Medical Expense $100,000
Sickness Medical Expense $20,000
Emergency Evacuation $1,000,000
Mental Health Coverage $10,000
Repatriation of Remains $50,000
Accidental Death & Dismemberment $10,000
Trip Delay $200
Baggage Delay $200
Baggage and Personal Effects Loss $500
Travel Document Replacement $1,000
24-hour Medical Assistance Services Included
24-hour Legal Assistance Services Included
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ASSISTANCE SERVICES AT A GLANCE
The following Assistance Services, provided by CHARTIS Travel Guard Assist, are included with the iNext Travel Card. All benefits provided are service benefits. Any costs associated with benefits that are not specifically listed in the policy’s Schedule of Benefits will be paid by the named Insured.
− Travel Medical Assistance
o Emergency medical transportation assistance.
o Physician/hospital/dental/vision referrals.
o Repatriation of mortal remains assistance.
o Emergency prescription replacement assistance.
o Dispatch of doctor or specialist.
o Medical evacuation quote.
o In-patient and out-patient medical case management.
o Arrangements of visitor to bedside of hospitalized Insured.
o Eyeglasses and corrective lens replacement assistance.
o Medical payment arrangements.
o Medical cost containment/expense recovery and overseas investigation.
o Shipment of medical records.
o Medical equipment rental/replacement.
− Worldwide Travel Assistance
o Lost baggage search; stolen luggage replacement assistance.
o Lost passport/travel documents assistance.
o ATM locator
o Emergency cash transfer assistance
o Travel information including visa/passport requirements
o Emergency telephone interpretation assistance
o Urgent message relay to family, friends or business associates
o Up-to-the-minute travel delay reports
1
DEFINITIONS
(Capit
alized terms within this
Description of Coverage are defined herein)
“Actual Cash V
alue”
means purchase price less depreciation.
“Baggage”
means luggage, travel document
s, and personal
possessions whether owned, borrowed, or rented, t
aken by the
Insured on the
Trip.
“Business Partner”
means a person who: (1) is involved with the
Insured or the Insured’
s
T
raveling Comp
anion in a legal
partnership; and (2) is actively involved in the daily management of
the business.
“Children”/“Child”
means, with respect to Medical Expense and
Emergency Evacuation benefit
s, 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 meet
s the definition of Children; and
(2) is incap
able of self-sust
aining employment by reason of ment
al
or physical incap
acity
.
“City”
means an incorporated municip
ality having defined borders
and does not include the high seas, uninhabited areas or airsp
ace.
“Common Carrier”
means an air
, land, or sea conveyance
operated under a license for the transport
ation of p
assengers for
hire.
“Complications of Pregnancy”
means conditions whose
diagnoses are distinct from pregnancy but are adversely af
fected
by pregnancy or are caused by pregnancy
.
These conditions
include acute nephritis, nephrosis, cardiac decompensation,
missed abortion and similar medical and surgical conditions of
comp
arable severity
. Complications of Pregnancy also include
nonelective cesarean section, ectopic pregnancy which is
terminated and spont
aneous termination of pregnancy
, which
occurs during a period of gest
ation in which a viable birth is not
possible.
Complications of Pregnancy do not include false labor
, occasional
spotting, Physician-prescribed rest during the period of pregnancy
,
morning sickness, hyperemesis gravidarum, preeclamp
sia and
similar conditions associated with the management of a dif
ficult
pregnancy not constituting a nosologically distinct complication of
pregnancy
.
“Deductible”
means the amount of charges that must be incurred
by an Insured before benefit
s become p
ayable.
The amount of the
Deductible is shown in the Schedule for each coverage to which a
Deductible applies.
“Departure Date”
means the date on which the Insured is originally
scheduled to leave on his/her
Tr
ip.
This date is specified in the travel
document
s.
“Destination”
means any place where the Insured expect
s to travel
to on his/her
Trip other than Return Destination as shown on the
travel document
s.
“Domestic Partner”
means an opposite or a same-sex p
artner
who is at least 18 years of age and has met all of the following
requirement
s for at least 6 months: (1) resides with the Insured; (2)
shares financial asset
s and obligations with the Insured;
The
Insurer may require proof of the Domestic Partner relationship in
the form of a signed and completed
Af
fidavit 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 ef
fective 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 government
al agency
approval not received at the time services are rendered.
“Family Member”
means the Insured’
s or
Traveling Comp
anion’
s
spouse, Domestic Partner
, Child, daughter-in-law
, son-in-law
,
brother
, sister
, mother
, father
, grand
parent
s, grandchild, step-child,
step-brother
, step-sister
, step-p
arent
s, p
arent
s-in-law
,
brother-in-law
, sister-in-law
, aunt, uncle, niece, nephew
, legal guardian, foster
Child, ward, or legal ward.
“Hospital”
means a facility that: (1) is operated according to law
for the care and treatment of sick or Injured people; (2) has
organized facilities for diagnosis and surgery on it
s premises or in
facilities available to it on a prearranged basis; (3) has 24 hour
nursing service by registered nurses (R.N.’
s); and (4) is supervised
by one or more Physicians available at all times.
A
Hospit
al does not include:
(1) a nursing, convalescent or geriatric unit of a hospit
al when a
patient is confined mainly to receive nursing care; (2) a facility that
2
3
DESCRIPTION OF COVERAGE
iNext Platinum
Annual
S
tudent Insurance Plan
SCHEDULE OF BENEFITS
All coverages are aggregate amounts which will diminish in
value per paid claim during the individual coverage term.
All coverages are per person MAXIMUM LIMIT
Trip Delay
...
$200
Baggage & Personal Ef
fect
s Loss
...$2,000
Baggage Delay
...$200
Travel Document Replacement
...$1,000
(Covers Administrative
Fees)
Accident Medical Expense
...$100,000
Sickness Medical Expense
...$20,000
Dent
al
...$500
Ment
al Health Coverage
...$10,000
Emergency Evacuation
...$1,000,000
Rep
atriation of Remains
...$50,000
Accident
al Death & Dismemberment
...$20,000
Accident
al Death & Dismemberment
(Common Carrier
Air Only)
...$100,000
The following non-insurance services
are provided by T
ravel Guard.
Travel Medical
Assist
ance
W
orldwide T
ravel
Assist
ance
LiveT
ravel
®
Emergency Assist
ance
Concierge Services
T30337NUFIC-TG-DOC
008078 P3 9/09
S
tate Notice
This document is not applicable to resident
s of all st
ates. Resident
s
of Florida, Georgia, Indiana, New Hamp
shire, Pennsylvania, Ut
ah,
and W
ashington can obt
ain their st
ate specific document
s by visiting
www
.travelguard.com/fulfillment or by calling 1.866.385.4839.
PLEASE READ THIS
DOCUMENT CAREFULL
Y!
The Policy will cont
ain reductions, limit
ations, exclusions and
termination provisions. Full det
ails of coverage are cont
ained in the
Policy
. If there are any conflict
s between the content
s of this
document and the Policy (form series
T30337NUFIC), the Policy will
govern in all cases. Insurance underwritten by National Union Fire
Insurance Comp
any of Pitt
sburgh, Pa., with it
s princip
al place of
business in New
York, NY
. Coverage may not be available in all
st
ates.
IMPORT
ANT
This coverage is valid only if the appropriate plan cost has been
paid. Please keep this document as
Your record of coverage
Insured. Owned or Rented V
ehicle includes, but is not limited to, a
sedan, st
ation wagon, jeep-type vehicle pickup, van, camper or
motor home type. Owned or Rented V
ehicle does not include a
mobile home or any motor vehicle which is used in mass or public
transit.
“Physician”
means a licensed practitioner of the healing art
s
including accredited Christian Science Practitioners, medical,
surgical, or dent
al, services acting within the scope of his/her
license.
The treating Physician may not be the Insured, a
Traveling
Comp
anion, a Family Member
, or a Business Partner
.
“Primary Residence”
means a person's fixed, permanent and
princip
al home for legal and t
ax 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 p
arty free of charge.
“Reasonable and Customary Charges”
means an expense
which:
(1) i
s
charged for treatment, supplies, or medical services
Medically Necessary to treat the Insured’
s condition;
(2)
does not exceed the usual level of charges for similar
treatment, supplies or medical services in the locality where
the expense is incurred; and
(3)
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.
“Return Date”
means the date on which the Insured is scheduled
to return to the point where the
Trip st
arted or to a dif
ferent
specified Return Destination.
This date is specified in the travel
document
s.
“Return Destination”
means the place to which the Insured
expect
s to return from his/her
Trip.
“Schedule”
means the Schedule of Benefit
s.
“Sickness”
means an illness or disease diagnosed or treated by
a Physician.
“S
trike”
means a stopp
age of work:
(1)
announced, organized, and sanctioned by a labor union and
(2)
which interferes with the normal dep
arture and arrival of a
Common Carrier
.
This includes work slowdowns and sickout
s.
The Insured’
s
Trip
cancellation coverage must be ef
fective prior to when the S
trike is
foreseeable.
A
S
trike is foreseeable on the date labor union
members vote to approve a S
trike.
“T
ransportation”
means any land, sea or air conveyance required
to transport the Insured during an Emergency Evacuation.
Transport
ation includes, but is not limited to, air ambulances, land
ambulances and private motor vehicles.
“T
ravel Supplier”
means the tour operator
, rent
al comp
any
, cruise
line, and/or airline that provides pre-p
aid travel arrangement
s for
the Insured’
s
Trip.
is, other than incident
ally
, a clinic, a rest home, nursing home,
convalescent home, home health care, or home for the aged; nor
does it include any ward, room, wing, or other section of the
hospit
al that is used for such purposes; or (3) any milit
ary or
veterans hospit
al or soldiers home or any hospit
al contracted for or
operated by any national government or government agency for
the treatment of members or ex-members or the armed forces.
“Inclement W
eather”
means any severe weather condition which
delays the scheduled arrival or dep
arture of a Common Carrier or
prevent
s the Insured from reaching his/her Destination when
traveling by an Owned or Rented V
ehicle.
“Individual Coverage T
erm”
means the period of time beginning
on the date insurance coverage begins and ending on the date
insurance coverage ends as specified in the Ef
fective and
Termination Dates section.
“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: (a) any required
enrollment form has been completed; (b) any required plan cost
has been p
aid; (c) while covered under the Policy
.
“Insurer”
means National Union Fire Insurance Comp
any of
Pitt
sburgh, Pa.
“Loss”
means Injury or damage sust
ained by the Insured as a
consequence of one or more of the event
s against which the
Insurer has undert
aken to compensate the Insured.
“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)
meet
s generally accepted st
andards 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.
“Mental, Nervous or Psychological Disorder”
means a ment
al
or nervous health condition including, but not limited to: anxiety
,
depression, neurosis, phobia, p
sychosis; or any related physical
manifest
ation.
“Natural Disaster”
means a flood, hurricane, tornado,
earthquake, fire, wildfire, volcanic eruption, or blizzard that is due
to natural causes.
“Necessary Personal Ef
fects”
means items such as clothing and
toiletry items, which were included in the Insured’
s Baggage and
are required for the Insured’
s
Trip.
“Owned or Rented V
ehicle”
means a self-propelled private
passenger motor vehicle with four or more wheels which is of a
type both designed and required to be licensed for use on the
highways of any st
ate or country that is rented or owned by the
“T
raveling Companion”
means a person or persons with whom
the Insured has coordinated travel arrangement
s and intends to
travel with during the
Trip.
A
group or tour leader is not considered
a
Traveling Comp
anion, unless the Insured is sharing room
accommodations with the group or tour leader
.
“T
rip”
means a period of travel away from home to a Destination
out
side the Insured’
s City of residence; the purpose of the
Trip is
business or pleasure and is not to obt
ain health care or treatment
of any kind; the
Trip has defined Dep
arture and Return dates
specified when the Insured applies; travel is primarily by Common
Carrier and only incident
ally by private conveyance.
The
Trip does
not exceed 180 days.
Travel must be more than 100 miles from
the Insured’
s Primary Residence. For annual plans, any
Trip t
aken
during the Individual Coverage
Term.
“T
rip Cost”
means the dollar amount of
Trip p
ayment
s or deposit
s
reflected on any required enrollment form which are subject to
cancellation penalties or restrictions p
aid by the Insured prior to the
Insured’
s
Trip Dep
arture Date.
Trip Cost will also include the cost
of any subsequent pre-p
aid p
ayment
s or deposit
s p
aid by the
Insured for the same
Trip, af
ter enrollment for coverage under this
plan provided the Insured amends their enrollment form to add
such subsequent p
ayment
s or deposit
s and p
ays any required
additional plan cost prior to the Insured’
s Dep
arture Date.
“Unforeseen”
means not anticip
ated or expected and occurring
af
ter the ef
fective date of the coverage.
“Uninhabitable”
means (1) the building structure it
self is unst
able
and there is a risk of collap
se in whole or in p
art; (2) there is
exterior or structural damage allowing element
al intrusion, such as
rain, wind, hail or flood; (3) immediate safety hazards have yet to
be cleared, such as debris on roofs or downed electrical lines; or
(4) the rent
al property is without electricity or water
.
ELIGIBILITY
, EFFECTIVE &
TERMINA
TION DA
TES
Eligibility
Persons eligible for insurance under the policy are: (a)
resident
s of the United S
tates; (b) who have enrolled through
the Council on International Educational Exchange or one of
its appointed institutional or organizational of
fices; (c) who
have or will purchase travel arrangement
s from a travel
supplier or arranger while covered under the policy
.
This
insurance coverage is valid out
side of the 50 United S
tates
and District of Columbia.
Insurance Ef
fective Date:
Insurance elected or provided for an Insured will t
ake ef
fect on
the latest of:
1.
The Policy ef
fective date;
2.
the day af
ter any required plan cost has been p
aid.
4
5
Coverage Ef
fective Date:
All coverages will begin on the later of:
(a)
12:01 a.m. S
tandard
T
ime on the scheduled Dep
arture
Date shown on the travel document
s or
(b)
the date and time the Insured st
art
s a
T
rip, t
aken during the
Individual Coverage
Term
provided any required plan cost has been p
aid.
Insurance T
ermination Date:
Insurance elected by an Insured will end
o
n
the earliest of (a)
365 days from the date of the Insured’
s Ef
fective Date of
insurance or (b) the date the Insured request
s, in writing, that
his or her insurance be terminated.
Coverage T
ermination Date:
All coverage ends on the earlier
of:
(a)
the scheduled Return Date for a
T
rip;
(b)
the Insured’
s arrival at the Return Destination on a round
T
rip;
(c)
the date the Insured’
s Insurance terminates.
Extension of Coverage:
All coverages will be extended for a
T
rip covered by this plan,
if:
(a)
the Insured's entire
T
rip is covered by the plan; and
This extension of coverage will end on the earlier of:
(a)
the date the Insured reaches his/her Return Destination; or
(b) 7
days af
ter the date a
T
rip was scheduled to be
completed.
Baggage Continuation of Coverage:
If an Insured’
s
Baggage, p
assport
s, and visas are in the charge of a charter or
Common Carrier and delivery is delayed, coverage for
Baggage and Personal Ef
fect
s travel document
s will be
extended until the Common Carrier delivers the property to the
Insured.
This Extension does not include Loss caused by the
delay
.
GENERAL
EXCLUSIONS
This plan does not cover any loss caused by or resulting from:
(a)
intentionally self-inflicted Injury
, suicide, or attempted suicide of
the Insured, Family Member
,
T
raveling Comp
anion or
Business Partner while sane or insane;
(b)
pregnancy
, childbirth, or elective abortion, other than
Complications of Pregnancy;
(c)
particip
ation in professional athletic event
s, motor sport, or
motor racing, including training or practice for the same;
(d)
mount
aineering where ropes or guides are normally used.
The
ascent or descent of a mount
ain requiring the use of
specialized equipment, including but not limited to pick-axes,
anchors, bolt
s, crampons, carabineers, and lead or top-rope
anchoring equipment;
(e)
war or act of war
, whether declared or not, civil disorder
, riot, or
insurrection;
(f)
operating or learning to operate any aircraf
t, as student, pilot, or
crew;
(g)
air travel on any air-supported device, other than a regularly
scheduled airline or air charter comp
any;
(h)
loss or damage caused by detention, confiscation, or
destruction by customs;
(i) any
unlawful act
s, committed by the Insured, a Family
Member
, or a
Traveling Comp
anion, or Business Partner
whether insured or not;
(j)
Ment
al, Nervous or Psychological Disorder in excess of the
Maximum Limit shown in the Schedule;
(k)
if the Insured’
s ticket
s do not cont
ain specific travel dates (open
ticket
s);
(l)
use of drugs, narcotics, or alcohol, unless administered upon
the advice of a Physician;
(m)
any failure of a provider of travel related services (including
any
Travel Supplier) to provide the bargained-for travel
services or to refund money due the Insured;
(n)
Experiment
al or Investigative treatment or procedures;
(o)
any loss that occurs at a time when this coverage is not in
ef
fect;
(p)
traveling for the purpose of securing medical treatment;
(q)
care or treatment which is not Medically Necessary;
(r)
any
Trip t
aken out
side the advice of a Physician;
(s)
financial default;
(t)
PRE-EXISTING MEDICAL
CONDITION EXCLUSION:
The
Insurer will not p
ay for any Loss or expense incurred as the
result of an Injury
, Sickness or other condition of an Insured,
Traveling Comp
anion, Business Partner
, or Family Member
which, within the 90 day period immediately preceding and
including the Insured’
s coverage ef
fective date: (a) first
manifested it
self, 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 t
aking
prescription drugs or medicines, unless the condition for which
the drugs or medicines are t
aken remains controlled without
any change in the required prescription drugs or medicines.
The following exclusions apply to Baggage, T
ravel Document,
and Personal Ef
fects Loss:
Benefit
s will not be provided for any loss or damage to or resulting
(in whole or in p
art) from:
(a)
animals, rodent
s, insect
s or vermin;
(b)
bicycles (except when checked with a Common Carrier);
(c)
motor vehicles, aircraf
t, boat
s, boat motors,
ATV’
s and other
conveyances;
(d)
artificial prosthetic devices, false teeth, any type of eyeglasses,
sunglasses, cont
act lenses, or hearing aids;
(e
)
ticket
s, keys, notes, securities, account
s, bills, currency
,
deeds, food st
amp
s, credit cards or other evidences of debt,
and other travel document
s (except p
assport
s and visas);
(f) money
, st
amp
s, stocks and bonds, post
al or money orders;
(g)
property shipped as freight, or shipped prior to the Dep
arture
Date;
(h) contraband, illegal transport
ation or trade;
(i)
items seized by any government, government of
ficial or customs
of
ficial;
(j)
defective materials or craf
tsmanship;
(k)
normal wear and tear;
(l) deterioration.
The following exclusions apply to the Medical Expense
Benefit:
Benefit
s will not be provided for any loss resulting (in whole or in
part) from:
(a)
routine physical examinations;
(b)
ment
al health care;
(c)
replacement of hearing aids, eye glasses, cont
act lenses and
artificial teeth;
(d)
routine dent
al care;
(e)
any service provided by the Insured, a Family Member
, or
Traveling Comp
anion or
Traveling Comp
anion of Family
Member;
(f)
alcohol or subst
ance abuse or treatment for the same.
The following exclusion applies to
Accidental Death &
Dismemberment:
(a)
the Insurer will not p
ay for Loss caused by or resulting from
Sickness or disease of any kind.
The following exclusions apply to
Accidental Death &
Dismemberment (Common Carrier
Air Only):
(a)
Sickness or disease whether the Loss result
s directly or
indirectly from any of these;
(b)
stroke or cerebrovascular accident or event; cardiovascular
accident or event; myocardial infarction or heart att
ack;
coronary thrombosis; aneurysm.
EXCESS INSURANCE LIMIT
A
TION
The insurance provided by the Policy for all coverages shall be in
excess of all other valid and collectible insurance or indemnity
. If at
the time of the occurrence of any Loss p
ayable 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.
TRIP
DELA
Y
The Insurer will reimburse the Insured up to the Maximum Limit(s)
shown on the Schedule for Reasonable
Additional Expenses until
travel becomes possible if the Insured’
s
Trip is delayed 12 or more
9
8
consecutive hours from reaching their intended Destination as a
result of a cancellation or delay of a regularly scheduled airline
flight for one of the Unforeseen event
s listed below:
(a) Common Carrier delay;
(b)
S
trike; or
(c)
Inclement W
eather which prohibit
s Insured’
s dep
arture.
Incurred expenses must be accomp
anied by receipt
s.
This benefit is p
ayable for only one delay per Insured, per
Trip.
If the Insured incurs more than one delay in the same
Trip the
Insurer will p
ay for the delay with the largest benefit up to the
Maximum Limit
s shown on the Schedule.
The Insured Must:
Cont
act
Travel Guard as soon as he/she
knows his/her
Trip is going to be delayed more than 12 hours.
BAGGAGE & PERSONAL
EFFECTS LOSS
The Insurer will reimburse the Insured, up to the Maximum Limit
shown in the Schedule subject to the special limit
ations shown
below
, for Loss, thef
t or damage to the Insured’
s Baggage and
personal ef
fect
s during the Insured’
s
Trip.
Special Limitations:
The Insurer will not p
ay more than:
•
$750 for the first item and
•
thereaf
ter
, no more than $250 per each additional item
•
$500 aggregate on all Losses to: jewelry
, watches, furs,
cameras and camera equipment, camcorders, computers, and
other electronic devices, including but not limited to: port
able
personal computers, cellular phones, electronic organizers
and port
able CD players.
Items over $150 must be accomp
anied by original receipt
s.
The Insurer will p
ay the lesser of:
(1) the cash value (original cash value less depreciation) as
determined by the Insurer or
,
(2) the cost of replacement.
The Insurer may t
ake all or p
art of the damaged Baggage at the
appraised or agreed value. In the event of a Loss to a p
air or set of
items, the Insurer may at it
s option:
(1)
rep
air or replace any p
art to restore the p
air or set to it
s value
before the Loss; or
(2)
pay the dif
ference between the value of the property before
and af
ter the Loss.
TRA
VEL DOCUMENT REPLACEMENT
While the Insured is on a
Trip out
side the United S
tates and his or
her p
assport is lost, stolen or damaged, the Insurer will reimburse
the cost
s up to the Lost, S
tolen Passport Replacement Maximum
Limit shown in the Schedule.
The Loss, thef
t or damage must be
documented by a police report.
BAGGAGE DELA
Y
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 Ef
fect
s. Incurred
expenses must be accomp
anied by receipt
s.
This benefit does not
apply if Baggage is delayed af
ter the Insured has reached his/her
Return Destination.
MEDICAL
EXPENSE BENEFIT
The Insurer will reimburse the Insured up to the Maximum Limit(s)
shown on the Schedule if, while on a
Trip, an Insured suf
fers an
Injury or a Sickness that requires him or her to be treated by a
Physician during the course of the
Trip.
The Sickness or Injury
must first manifest it
self during the course of the
Trip.
The Insurer
will p
ay the Reasonable and Customary Charges incurred for
Medically Necessary Covered Expenses received due to that Injury
or Sickness 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 plan.
Covered Expenses:
The Insurer will p
ay for:
•
services of a Physician or Registered Nurse (R.N.);
•
Hospit
al charges;
•
X-ray(s);
•
local ambulance services to or from a Hospit
al;
•
artificial limbs, artificial eyes, artificial teeth, or other prosthetic
devices;
•
the cost of emergency dent
al treatment only during a
Trip
limited to a Maximum Limit shown in the Schedule. Coverage
for emergency dent
al treatment does not apply if treatment or
expenses are incurred af
ter the Insured has reached his/her
Return Destination, regardless of the reason.
The treatment
must be given by a Physician or dentist;
Advance Payment:
If an Insured requires admission to a Hospit
al,
Tr
avel Guard will arrange advance p
ayment, if required. Hospit
al
confinement must be certified as Medically Necessary by the
attending Physician.
EMERGENCY
EV
ACUA
TION
& REP
A
TRIA
TION OF REMAINS
The Insurer will p
ay for Covered Emergency Evacuation Expenses
incurred if an Insured suf
fers an Injury or Sickness while he or she
is on a
Trip that warrant
s his or her Emergency Evacuation.
Benefit
s p
ayable are subject to the Maximum Limit shown on the
Schedule for all Emergency Evacuations due to all Injuries from the
same accident or all Sicknesses from the same or related causes.
Covered Emergency Evacuation Expenses
are the Reasonable
and Customary Charges for necessary
Transport
ation, related
medical services and medical supplies incurred in connection with
the Emergency Evacuation of the Insured.
All
Transport
ation
arrangement
s made for evacuating the Insured must be by the
most direct and economical route possible. Expenses for
Transport
ation must be:
(a)
ordered by the attending Physician who must certify that the
severity of the Insured’
s Injury or Sickness warrant
s his or her
Emergency Evacuation and adequate medical treatment is not
locally available;
(b)
required by the st
andard regulations of the conveyance
transporting the Insured; and
(c
)
authorized in advance by
Travel Guard. In the event the
Insured’
s Injury or Sickness prevent
s prior authorization of the
Emergency Evacuation,
Travel Guard (1.866.385.4839 or collect
1.715.295.5452) must be notified as soon as reasonably
possible.
Special Limitation:
In the event
Travel Guard could not be
cont
acted to arrange for emergency
Transport
ation, benefit
s are
limited to the amount the Insurer would have p
aid had the Insurer
or their authorized represent
ative been cont
acted.
The Insurer will also p
ay a benefit for Reasonable and Customary
Charges incurred for an escort’
s transport
ation and
accommodations if an attending Physician recommends in writing
that an escort accomp
any the Insured.
Emergency Evacuation means:
(a)
the Insured's medical condition warrant
s immediate
Transport
ation from the place where the Insured is injured or
sick to the nearest adequate
licensed medical
facility where
appropriate medical treatment can be obt
ained;
(b)
af
ter being treated at a local licensed medical facility
, the
Insured's medical condition warrant
s transport
ation to the
Insured’
s home, or adequate licensed medical facility nearest
the Insured’
s home to obt
ain further medical treatment or to
recover; or
(c)
both (a) and (b) above.
LIMIT
A
TIONS:
1)
Benefit
s are only available under Emergency Evacuation if
they are not provided under another coverage in the plan.
2)
The Maximum Limit p
ayable for both Emergency Evacuation
and Rep
atriation of Remains is shown in the Schedule.
ADDITIONAL
BENEFIT
In addition to the above covered expenses, if the Insurer has
previously evacuated an Insured to a medical facility
, the Insurer
will p
ay his/her airfare cost
s from that facility to the Insured’
s
Return Destination, within one year from the Insured’
s original
10
11
P
A
YMENT OF CLAIMS
Claim Procedures: Notice of Claim:
The Insured must call
Travel
Guard as soon as reasonably possible, and be prep
ared to
describe the Loss, the name of the comp
any that arranged the
Trip
(i.e., tour operator
, cruise line, or charter operator), the
Trip dates,
and the amount that the Insured p
aid.
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, S
tevens Point, Wisconsin 54481 (telephone
1.866.385.4839).
All claims of California resident
s will be
administered by Mercury Claims
Administrator Services, LLC.
All
accident, health, and life claims will be administered by Mercury
Claims &
Assist
ance of WI, LLC, in those st
ates where it is
licensed.
Claim Procedures: Proof of Loss:
The claim forms must be sent
back to Insurer no more than 90 days af
ter a covered Loss occurs
or ends, or as soon af
ter that as is reasonably possible.
All claims
under the policy must be submitted to
Travel Guard no later than
one year af
ter the date of Loss or insured occurrence or as soon
as reasonably possible. If Insurer has not provided claim forms
within 15 days af
ter 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 p
articip
ating
organization name, and the policy number
.
Payment of Claims: When Paid:
Claims will be p
aid as soon as
Travel Guard receives complete proof of Loss and verification of
age.
Payment of Claims: T
o
Whom Paid:
Benefit
s are p
ayable to the Insured who applied for coverage and
paid any required plan cost.
Any benefit
s p
ayable due to that
Insured’
s death, will be p
aid to the survivors of the first surviving
class of those that follow:
(1)
the Beneficiary named by that Insured and on file with
Travel
Guard
(2)
to his/her spouse, if living. If no living spouse, then
(3)
in equal shares to his/her living children. If there are none, then
(4)
in equal shares to his/her living p
arent
s. If there are none, then
(5)
in equal shares to his/her living brothers and sisters. If there
are none, then
(6)
to the Insured’
s est
ate.
If a benefit is p
ayable to a minor or other person who is incap
able
of giving a valid release, the Insurer may p
ay up to $3,000 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 af
fairs.
Any p
ayment Insurer makes in good faith fully
discharges Insurer to the extent of that p
ayment.
Return Date, less refunds from the Insured’
s unused transport
ation
ticket
s.
Airfare cost
s will be economy
, or same class as the
Insured’
s original ticket
s.
REP
A
TRIA
TION OF REMAINS
The Insurer will p
ay Rep
atriation Covered Expenses up to the
Maximum Limit shown on the Schedule to return the Insured's
body to city of burial if he/she dies during the
Trip.
Repatriation Covered Expenses
include, but are limited to, the
reasonable and customary expenses for transport
ation, according
to airline t
arif
fs, of the remains by the most direct and economical
conveyance and route possible.
Travel Guard must make all arrangement
s and authorize all
expenses in advance for this benefit to be p
ayable.
Special Limitation:
In the event the Insurer or the Insurer
’s
authorized represent
ative could not be cont
acted to arrange for
Rep
atriation Covered Expenses, benefit
s are limited to the amount
the Insurer would have p
aid had the Insurer or their authorized
represent
ation been cont
acted.
ACCIDENT
AL
DEA
TH & DISMEMBERMENT
If, while on a
Trip, Injury to an Insured result
s within 180 days of the
date of the accident which caused Injury
, in one of the losses
shown in the
Table of Losses below
, the Insurer will p
ay the
percent
age 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 sust
ained by an Insured as a result of the
same accident, only one amount, the largest applicable to the
Losses incurred, will be p
aid.
The Insurer will not p
ay more than
100% of the Maximum Limit for all Losses due to the same
accident.
Table of Losses
Loss of
% of Maximum Limit
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%
"Loss"
with regard to:
(a)
hand or foot means actual severance through or above the
wrist or ankle joint
s;
(b)
eye means entire and irrecoverable Loss of sight in that eye.
EXPOSURE
The Insurer will p
ay a benefit for covered Losses as specified
above which result from an Insured being unavoidably exposed to
the element
s due to an accident
al Injury during the
Trip.
The Loss
must occur within 180 days af
ter the event which caused the
exposure.
DISAPPEARANCE
The Insurer will p
ay a benefit for loss of life as specified above if
the Insured’
s body cannot be located one year af
ter disappearance
due to an accident
al Injury during the
Trip.
ACCIDENT
AL
DEA
TH & DISMEMBERMENT
(COMMON CARRIER ONL
Y)
The Insurer will p
ay this benefit if the Insured is Injured while riding
as a p
assenger in or boarding or alighting from or struck or run
down by a certified p
assenger aircraf
t provided by a regularly
scheduled airline or charter and operated by a properly certified
pilot.
The Insurer will p
ay up to the Maximum Limit shown in the
Schedule for which premium has been p
aid for Loss of life, both
hands or feet, sight of both eyes, or Loss of one hand or foot and
the sight of one eye when such double losses are the result of the
same accident. One-half of the benefit is p
ayable for the Loss of
one hand or foot or the sight of one eye. If the Insured suf
fers more
than one Loss from an accident, the Insurer will p
ay only for the
Loss with the larger benefit. Loss of hand or foot means complete
severance at or above the wrist or ankle joint.
The Insurer will not
pay more than 100% of the Maximum Limit for all losses due to the
same accident. Loss of sight of an eye means complete and
irrecoverable Loss of sight.
Loss must occur within 365 days of the accident.
If an Insured suf
fers one or more losses from the same accident for
which amount
s are p
ayable under both
AD&D benefit
s shown
above, the Maximum Limit p
ayable under that benefit combination
will not exceed the applicable Combined Maximum Limit shown on
the Schedule.
EXPOSURE
The Insurer will p
ay a benefit for covered losses as specified above
which result from an Insured being unavoidably exposed to the
element
s due to an aAccident
al Injury during the
Trip.
The Loss
must occur within 365 days af
ter the event which caused the
exposure.
DISAPPEARANCE
The Insurer will p
ay a benefit for loss of life as specified above if an
Insured’
s body cannot be located one year af
ter disappearance
due to an
Aaccident
al Injury during the
Trip.
13
14
V
aluation.
The Insurer will not p
ay more than the
Actual Cash
V
alue of the property at the time of Loss.
At no time will p
ayment
exceed what it would cost to rep
air 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.
Af
ter the demand, the
Insured and the Insurer each select their own competent appraiser
.
Af
ter examining the fact
s, 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 p
aid by the Insured.
The Insurer will p
ay
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.
The following provision applies to Medical Expense, Baggage,
T
ravel Document, and Personal Ef
fects Loss, Emergency
Evacuation, and Repatriation of Remains,
Accidental Death &
Dismemberment and
Accidental Death &
Dismemberment
(Common Carrier
Air
Only):
Subrogation.
To
the extent the Insurer p
ays for a Loss suf
fered
by an Insured, the Insurer will t
ake over the right
s and remedies the
Insured had relating to the Loss.
This is known as subrogation.
The Insured must help the Insurer preserve it
s right
s against those
responsible for it
s Loss.
This may involve signing any p
apers and
taking any other step
s the Insurer may reasonably require. If the
Insurer t
akes over an Insured's right
s, the Insured must sign an
appropriate subrogation form supplied by the Insurer
.
As a condition to receiving the applicable benefit
s listed above, as
they pert
ain to this Subrogation provision, the Insured agrees,
except as may be limited or prohibited by applicable law
, to
reimburse the Insurer for any such benefit
s p
aid to or on behalf of
the Insured, if such benefit
s 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 att
ached) and any fund or insurance policy providing
the Policyholder with coverage for any claims, causes of action or
right
s 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 Insurer).
GENERAL
PROVISIONS
Physical Examination and
Autopsy
.
The Insurer at it
s own
expense has the right and opportunity to examine the person of
Benefit
s for Medical Expense/Emergency Evacuation services
may be p
ayable directly to the provider of the services. However
,
the provider: (a) must comply with the st
atutory provision for direct
payment, and (b) must not have been p
aid from any other sources.
Baggage and Personal Ef
fects Loss Payment of Loss:
The
Insured Must: (a) report thef
t Losses to police or other local
authorities as soon as possible; (b) t
ake reasonable step
s to
protect his/her Baggage from further damage and make necessary
and reasonable temporary rep
airs; (The Insurer will reimburse the
Insured for those expenses.
The Insurer will not p
ay 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 p
ayment;
or (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.
Baggage Delay Payment of Loss:
The Insured must provide
document
ation of the delay or misdirection of Baggage by the
Common Carrier and receipt
s for the Necessary Personal Ef
fect
s
purchases.
Medical Expense Payment of Loss:
The Insured must provide
Travel Guard with: (a) all medical bills and report
s for medical
expenses claimed; and (b) a signed p
atient authorization to release
medical information to
Travel Guard.
The following provisions apply to Baggage Delay and
Baggage, T
ravel Document, and Personal Ef
fects Loss:
Notice of Loss.
If the Insured's property covered under the Policy
is lost or damaged, the Insured must:
(a)
notify
Travel Guard as soon as possible;
(b)
take immediate step
s to protect, save and/or recover the
covered property;
(c)
give immediate notice to the carrier or bailee who is or may be
liable for the loss or damage;
(d)
notify the police or other authority in the case of robbery or thef
t
within 24 hours.
Proof of Loss.
The Insured must furnish the Insurer with proof of
Loss. Proof of Loss includes police or other local authority report
s
or document
ation from the appropriate p
arty 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 p
aid immediately af
ter proof of the damage and/or destruction
is presented to the Insurer
. Claims for lost property will be p
aid
af
ter the lap
se of a reasonable time if the property has not been
recovered.
The Insured must present accept
able proof of Loss and
the value.
any individual whose Loss is the basis of claim under the Policy
when and as of
ten as it may reasonably require during the
pendency of the claim and to make an autop
sy 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 t
ake ef
fect 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 right
s,
privileges or benefit
s under the Policy
.
Misst
atement of
Age.
If premiums for the Insured are based on
age and the Insured has misst
ated his or her age, there will be a
fair adjustment of premiums based on his or her true age. If the
benefit
s for which the Insured is insured are based on age and the
Insured has misst
ated 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 p
aying 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 af
ter written
proof of Loss has been furnished in accordance with the
requirement
s of the Policy
. No such action may be brought af
ter
the expiration of 3 years af
ter the time written proof of Loss is
required to be furnished.
Concealment or Fraud:
The Insurer does not provide coverage if
the Insured has intentionally concealed or misrepresented any
material fact or circumst
ance relating to the policy or claim.
Payment of Premium:
Coverage is not ef
fective unless all premium
due has been p
aid to
Tr
avel Guard prior to a date of Loss or insured
occurrence.
Termination of the Policy:
Termination of the policy will not af
fect
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.
ST
A
TE SPECIFIC NOTICES
Notice to Colorado Residents:
T30341NUFIC-CO
The phrase “or insane” is deleted from the intentionally self-inflicted
Injury
, suicide or attempted suicide exclusion when it applies to
Medical Expense Benefit and Emergency Evacuation.
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