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Created: Wed Mar 5 15:29:42 2008
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Definitions performed under his or her care, supervision, or order; and (4) is not
primarily for the convenience of the Insured, Physician, other
Termination Date: All coverage ends on the earliest of: (a) the date the
Trip is completed; (b) the scheduled Contracted Return Date; (c) the
Union. The Insurer will pay no more than $500,000 per occurrence,
under the AIG Travel Guard Policies Underwritten by National Union, to
The Insurer will pay the Insured's additional cost as a result of a change
"Baggage" means luggage and personal possessions, whether in the per-person occupancy rate for prepaid travel arrangements if a
providers, or any other person. Insured's arrival at the Return Destination on a round Trip, or the or on account of any person insured under the AIG Travel Guard Traveling Companion's Trip is canceled due to reasons shown at the
owned, borrowed, or rented, taken by the Insured on the Trip. "Natural Disaster" means a flood, hurricane, tornado, earthquake, or Destination on a one-way Trip; or (d) cancellation of the Trip covered by Policies Underwritten by National Union.
"Business Partner" means an individual who a) is involved with the beginning of this section, and the Insured's Trip is not canceled.
blizzard that is due to natural causes. the policy. Trip Interruption Benefits: The Insurer will pay this benefit up to the
Insured or the Insured's Traveling Companion in a legal partnership; and "Physician" means a licensed practitioner of the healing arts, acting The policy covers Trips up to 180 days in length. Trip Cancellation and Interruption Maximum Limit shown on the Schedule of Benefits for Trips that have
b) is actively involved in the daily management of the business. within the scope of his/her license. The treating Physician may not be Extension of Coverage: All coverage under the policy will be extended, The Insurer will pay this benefit up to the Maximum Limit shown on
"Common Carrier" means any air, land, sea conveyance operated under been interrupted or delayed, due to the reasons shown at the
the Insured, Immediate Family Member of the Insured or the Insured's if: (a) the Insured's entire Trip is covered by the policy; and (b) the the Schedule of Benefits if a Trip is canceled or interrupted due to any beginning of this section. The Insurer will pay for the following: (a)
a license for the transportation of passengers. spouse or a Traveling Companion, Traveling Companion, or Business Insured's return is delayed by unforeseeable circumstances beyond of the following unforeseen reasons: (a) Sickness, Injury, or death of an
"Complication of Pregnancy" means a condition in which the unused prepaid payments or deposits for the Insured's Trip if the
Partner. his/her control. Insured, Immediate Family Member, Traveling Companion, or Business Insured's Trip is interrupted; or (b) additional transportation expenses
diagnosis is distinct from pregnancy but adversely affected or caused Partner. Injury or Sickness must be so disabling as to reasonably cause
"Reasonable Additional Expenses" means any expenses for meals If coverage is extended for the above reasons, coverage will end on the incurred by the Insured, either (i) to the Return Destination; or (ii) from
by pregnancy. It does not include any condition associated with the a Trip to be delayed, canceled, or interrupted; (b) Inclement Weather
and lodging which were necessarily incurred as the result of a Trip Delay earlier of: (a) the date the Insured reaches his/her Return Destination; or the place that the Insured left the Trip to the place that the Insured may
management of a difficult pregnancy not consisting of a classifiably
and which are not provided by the Common Carrier or any other party (b) seven (7) days after the date the Trip was scheduled to be conditions causing delay or cancellation of travel; (c) the Insured's rejoin the Trip; (c) additional transportation expenses incurred by the
distinct Complication of Pregnancy.
free of charge. completed. principal residence being made uninhabitable by fire, flood, or similar Insured to reach the original Trip Destination if the Insured is delayed,
"Contracted Departure Date" means the date on which the Insured
"Reasonable and Customary Charges" means an expense which: (a) Natural Disaster, vandalism, or burglary; (d) the Insured's Destination and leaves after the Contracted Departure Date. However, the benefit
is originally scheduled to leave on his/her Trip.
is charged for treatment, supplies or medical services Medically General Exclusions being made uninhabitable by fire, flood, tornado, earthquake, or payable under (b) and (c) above will not exceed the cost of economy
"Contracted Return Date" means the date on which the Insured is
scheduled to return to the point where the Trip started, or to a different Necessary to treat the Insured's condition; (b) does not exceed the These exclusions apply to all benefits. In addition to any exclusions blizzard that is due to natural causes; (e) the Insured being airfare (or first class if the Insured's original tickets were first class) by
specified Return Destination. usual level of charges for similar treatment, supplies, or medical which apply to a particular benefit (called "Additional Exclusions"), the subpoenaed, required to serve on jury duty, hijacked, or quarantined; the most direct route, less any refunds paid or payable; (d) the
"Default" means any failure of a provider of travel-related services services in the locality where the expense is incurred; and (c) does not policy does not cover loss caused by: (f) being involved in or delayed due to an automobile accident en route Insured's additional cost as a result of a change in the per-person
(including any tour operator) to provide the bargained-for travel services include charges that would not have been made if no insurance (a) suicide, or attempted suicide, or intentionally self-inflicted Injury or to departure; (g) Strike, resulting in the complete cessation of travel occupancy rate for prepaid travel arrangements if a Traveling
or to refund money due the Insured. existed. In no event will the Reasonable and Customary Charges any attempt at intentionally self-inflicted Injury by the Insured, services at the point of departure or Destination; (h) Termination of Companion's Trip is interrupted, and the Insured's Trip is continued.
"Destination" means the place where the Insured expects to travel on exceed the actual amount charged. Immediate Family Member, Traveling Companion or Business Partner employment or layoff affecting the Insured or his/her Traveling
his/her Trip. "Return Destination" means the place to which the Insured expects (while sane, in Colorado and Missouri); (b) pregnancy or childbirth, or Companion; must have been with the same employer for at least five Trip Delay
"Domestic Partner" means an opposite or a same-sex partner who is to return from his/her Trip. elective abortion, other than Complications of Pregnancy; (c) continuous years; (i) Military duty (if within 30 days of departure, the The Insurer will reimburse up to $100 a day to the Maximum Limit
at least 18 years of age and has met all of the following requirements "Sickness" means an illness or disease which requires treatment by participation in professional athletic events, motor sport, or motor racing, Insured has his/her leave revoked or the Insured is reassigned); (j) a shown on the Schedule of Benefits if the Insured's Trip is delayed for
for at least 6 months: (1) resides with the Insured; (2) shares financial a Physician. including training or practice for the same; (d) mountain climbing; (e) war Terrorist Incident in a City listed on the Insured's itinerary within 30 12 or more hours for Reasonable Additional Expenses until travel
assets and obligations with the Insured; the Insurer may require proof "Strike" means a stoppage of work (a) announced, organized, and or act of war, whether declared or not, civil commotion, insurrection or days of the Insured's scheduled arrival. "City" means an incorporated becomes possible. Incurred expenses must be accompanied by
of the Domestic Partner relationship in the form of a signed and sanctioned by a labor union and (b) which interferes with the normal riot; (f) operating or learning to operate any aircraft, as student, pilot or municipality having defined borders and does not include the high receipts. This benefit is payable for only one delay per booking, per Trip.
completed Affidavit of Domestic Partnership. departure and arrival of a Common Carrier. Included in the definition of crew; (g) air travel on any air-supported device, other than a regularly seas, uninhabited areas, or airspace; (k) the Insured is obligated to a Trip Delay must be caused by: (a) Common Carrier delay; or (b) lost or
"Experimental or Investigative" means treatment, a device or Strike is work slowdowns and sickouts. scheduled airline or air charter company; (h) loss or damage caused by transfer of 250 or more miles by the employer with whom the Insured stolen passport, travel documents, or money; or (c) quarantine; or (d)
prescription medication which is recommended by a Physician, but is not "Terrorist Incident" means an act of violence, other than civil disorder detention, confiscation, or destruction by customs; (i) any unlawful acts, is employed on the effective date of the Insured's Trip Cancellation Natural Disaster; or (e) Injury or Sickness of the Insured or Traveling
considered by the medical community as a whole to be safe and or riot (that is not an act of war, declared or undeclared), that results in committed by the Insured, a Traveling Companion, or an Immediate coverage which requires the Insured's principal residence to be Companion.
effective for the condition for which the treatment, device or prescription loss of life or major damage to property, by any person acting on behalf Family Member, whether insured or not (not applicable to Florida relocated; or (l) named hurricane causing cancellation of travel to the
medication is being used, including any treatment, procedure, facility, of or in connection with any organization which is generally recognized residents); (j) mental, psychological, or nervous disorders including, but Insured's Destination that is inaccessible or uninhabitable. The Baggage Delay
equipment, drugs, drug usage, devices, or supplies not recognized as as having the intent to overthrow or influence the control of any not limited to, anxiety, depression, neurosis, or psychosis; (k) if the Company will only pay benefits for losses occurring within 30 calendar The Insurer will reimburse incurred expenses up to $100 a day to the
accepted medical practice, and any of those items requiring federal or government. Insured's tickets do not contain specific travel dates (open tickets); (l) days after the named hurricane makes the Insured's Destination Maximum Limit shown on the Schedule of Benefits for Baggage which
other governmental agency approval not received at the time services "Travel Agent" means the Travel Agent, tour operator, or other entity alcohol or substance abuse or treatment for same; (m) medical uninhabitable or inaccessible. An Insured's Destination is is delayed or misdirected more than 12 hours for the cost of necessary
are rendered. from which the Insured purchases his/her coverage or travel treatment during or arising from a Trip undertaken for the purpose or uninhabitable if: (i) the building structure itself is unstable and there is personal effects. Incurred expenses must be accompanied by receipts.
"Hospital" means a place that: (a) holds a valid license; (b) is run mainly arrangements, and includes all officers, employees, and affiliates of the intent of securing medical treatment or traveling expressly for the a risk of collapse in whole or in part; (ii) there is exterior or structural This does not apply if Baggage is delayed after the Insured reaches
for the care and treatment of sick or injured persons as inpatients; (c) has Travel Agent or tour operator. purpose of obtaining medical treatment; (n) elective or non-emergency damage allowing elemental intrusion, such as rain, wind, hail or flood; his/her Return Destination.
a staff of one or more Physicians available at all times; (d) provides 24- "Travel Supplier" means the tour operator, hotel, cruise line, and/or treatment or surgery, except for any necessary treatment or surgery due (iii) immediate safety hazards have yet to be cleared, such as debris on
hour nursing service and has at least one registered nurse on duty at all airline that provides pre-paid travel arrangements for the Insured's Trip. to covered Injury; (o) Experimental or Investigative treatment or roofs or downed electrical lines; or (iv) the rental is without electricity Medical Expense Benefit
times; (e) has organized diagnostic and surgical facilities, either on the "Traveling Companion" means a person or persons with whom the procedures; or (p) an Injury or Sickness which occurs at a time when this or water. An Insured's Destination is inaccessible if he or she cannot The Insurer will pay this benefit, up to the Maximum Limit shown on
premises or on a contract basis with another Hospital; and (f) is not Insured has coordinated travel arrangements and intend to travel with coverage is not in effect. reach the property by the original mode of transportation. Benefits are the Schedule of Benefits. The Insurer will pay for medical expenses
mainly a clinic, or facility for nursing, rest or convalescence, or a place for during the Trip. A group or tour leader is not considered a Traveling not payable if a hurricane is named on or before the effective date of incurred by the Insured within one year from the date of Injury or
the aged. Companion, unless the Insured is sharing room accommodations with PRE-EXISTING MEDICAL CONDITION the Insured's Trip Cancellation coverage. This coverage does not cover Sickness provided initial treatment was received during the Trip. The
"Immediate Family Member" means a person's spouse, Domestic the group or tour leader. EXCLUSION APPLICABLE TO ALL COVERAGES loss caused by: (i) carrier-caused delays including an announced, Injury must occur or Sickness must begin while the Insured is covered
Partner, child, spouse's child, daughter-in-law, son-in-law, brother, sister, "Trip" means a period of round-Trip travel away from home to a The Insurer will not pay for loss or expense incurred as the result of organized, sanctioned labor union Strike that affects public by the policy.
mother, father, grandparents, grandchild, step-brother, step-sister, step- Destination outside the Insured's city of residence; the purpose of the an Injury, Sickness or other condition of the Insured, a Traveling transportation, unless the Insured's coverage effective date is prior to Covered Expenses: The Insurer will pay the Insured's Reasonable and
parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, Trip is business or pleasure and is not to obtain health care or Companion, or an Immediate Family Member of the Insured or when the Strike is foreseeable. A Strike is foreseeable on the date Customary Charges for medical and surgical expenses. The Insurer will
nephew, legal guardian, or legal ward. treatment of any kind; the Trip has defined departure and return dates Traveling Companion which, within the 60 day period before the labor union members vote to approve a Strike; (ii) travel arrangements pay emergency dental treatment only during a Trip. Dental coverage
"Inclement Weather" means any severe weather condition, other than specified when the Insured applies; the Trip does not exceed 180 days; Insured's coverage began: (a) first manifested itself, worsened, canceled or changed by an airline, cruise line, or tour operator, unless does not apply if treatment or expenses are incurred after the Insured
a hurricane, which delays the scheduled arrival or departure of a and the Insured's Destination is not to another home; travel is primarily became acute, or had symptoms which would have prompted a the cancellation is the result of Inclement Weather; (iii) changes in has reached his or her Destination, in the case of a one-way ticket, or
Common Carrier. With respect to an Insured who is traveling via by Common Carrier and only incidentally by private conveyance. reasonable person to seek diagnosis, care or treatment; (b) required plans by the Insured, an Immediate Family Member, or Traveling Return Destination regardless of the reason. The treatment must be
private/non-commercial automobile transportation, any severe weather taking prescribed drugs or medicine, unless the condition for which Companion, for any reason; (iv) financial circumstances of the Insured, given by a Physician or dentist. The Insurer will pay for professional
condition which prevents an Insured from reaching the Destination. Individual Eligibility, the prescribed drug or medicine is taken remains controlled without an Immediate Family Member, or a Traveling Companion; (v) any nursing, Hospital charges, X-ray, ambulance services, and prosthetic
"Injury" means a bodily Injury caused by an accident occurring while the Effective & Termination Dates any change in the required prescription; or (c) required treatment by business or contractual obligations of the Insured, an Immediate devices.
Policy is in force as to the Insured whose Injury is the basis of a claim, Persons eligible for insurance under the policy are any travelers who a Physician or treatment had been recommended by a Physician. Family Member or a Traveling Companion; (vi) Default by the person, If the Insured is covered by any other group, blanket health, accident
and resulting directly and independently of all other causes of loss purchase coverage through the Travel Supplier, accepts, enrolls and agency, or tour operator from whom the Insured bought his/her insurance, or assistance plan, and would, as a result, receive total
covered by the Policy. The Injury must be verified by a Physician. pays the premium for coverage providing they have not already MAXIMUM LIMIT OF LIABILITY: All limits are applied per Trip. The coverage or purchased his/her travel arrangements; (vii) any benefits in excess of the expenses actually incurred, the benefits will
"Insured" means the person named on the individual Enrollment Form. departed on their Trip. Insurer's maximum limit of liability resulting from the same occurrence government regulation or prohibition; (viii) an event or circumstance be reduced by such excess.
"Insurer" means National Union Fire Insurance Company of Pittsburgh, will be $10,000,000 under the AIG Travel Guard Policies Underwritten which occurs prior to the Insured's coverage effective date. Additional Exclusions: In addition to the General Exclusions, coverage
Effective Date: Trip Cancellation benefit will be effective at 12:01 a.m. on
PA. by National Union. If loss for all Insureds from such an occurrence Trip Cancellation Benefits: The Insurer will pay this benefit up to the is not provided for: (a) routine physical examinations; (b) replacement of
the day after the premium is paid to the Travel Agent.
"Medically Necessary" means that a treatment, service or supply: (1) exceeds $10,000,000, the Insurer will pay each Insured that proportion Maximum Limit shown on the Schedule of Benefits for Trips that are hearing aids, eye glasses, contact lenses, sunglasses, and artificial teeth;
All other coverages will begin on the later of: (a) the date and time the
is essential for diagnosis, treatment, or care of the Injury or Sickness of the Benefits stated which $10,000,000 bears to the total loss of all delayed or canceled before the scheduled Contracted Departure Date. (c) routine dental care; (d) any service provided by the Insured, an
Insured starts his/her Trip, or (b) the scheduled Contracted Departure Immediate Family Member or Traveling Companion.
for which it is prescribed or performed; (2) meets generally accepted persons the Insurer insures under all travel and flight insurance in The Insurer will pay forfeited, non-refundable, unused prepaid
Date shown on the enrollment form.
standards of medical practice; (3) is ordered by a Physician and force, under the AIG Travel Guard Policies Underwritten by National payments or deposits if the Insured's Trip is canceled due to the
reasons shown at the beginning of this section.
Payment of Loss: The Insured must provide the Insurer with: (a) all If a benefit is payable to the Insured's estate, or to a minor or other Hospitals, the American Osteopathic Association, or the Commission on *Non-insurance services are provided by AIG Travel Assist.
medical bills and reports for medical expenses claimed; and (b) a person who is incapable of giving a valid release, the Insurer may pay the Accreditation of Rehabilitative Facilities; (3) has 24 hour nursing Notice to State of
signed patient authorization to release medical information to the up to $1,000 to a relative by blood or connection by marriage who has service by registered nurses (R.N.'s); and (4) is supervised by one or Make sure you call AIG Travel Guard (1.888.409.7749 or Washington Residents:
Insurer. assumed care or custody of the minor or responsibility for the more Physicians. A Hospital does not include: (1) a nursing, 1.715.295.5452) before you seek medical care while traveling. Where This is not your insurance policy.
incompetent person's affairs. Any payment the Insurer makes in good convalescent or geriatric unit of a hospital when a patient is confined available, we can arrange direct payment to a member of our Preferred To obtain your state-specific insurance policy, visit
Emergency Medical Transportation faith fully discharges the Insurer to the extent of that payment. All other mainly to receive nursing care; (2) a facility that is, other than incidentally, medical network, saving you the time and paperwork associated with www.insureamerica.com, or call 1.715.346.0860.
The Insurer will pay this benefit up to the Maximum Limit shown on benefits will be payable to the Insured. a rest home, nursing home, convalescent home or home for the aged; reimbursement of medical expenses. Our assistance coordinators also
the Schedule of Benefits. AIG Travel Assist will arrange for emergency Benefits for Medical Expense/Emergency Medical Transportation can help you locate the nearest and most appropriate medical provider,
medical transportation services required by the Insured as the result of Services may be payable directly to the provider of the services.
nor does it include any ward, room, wing, or other section of the hospital
that is used for such purposes; or (3) any military or veterans hospital or monitor your care, and provide updates to your family and/or employer. DESCRIPTION OF COVERAGE
an Injury or emergency Sickness during a Trip. However, the provider: a) must comply with the statutory provision for soldiers home or any hospital contracted for or operated by any national
Covered Expenses: The Insurer will pay: (a) Reasonable and
Customary Charges for medical services required for evacuation to the
direct payment, and b) must not have been paid from any other
sources.
government or government agency for the treatment of members or ex-
members of the armed forces.
Any payments under this policy will only be made in full compliance
with all United States of America economic or trade sanction laws or Vacation Rental
nearest adequate medical facility or home if medically required. This Problems with your insurance? If so, do not hesitate to contact AIG regulations, including, but not limited to, sanctions, laws and
service will be arranged only if the Insured's Physician determines that Travel Guard to resolve your problem at 1145 Clark Street, Stevens
For inquiries, information about coverage or for assistance in resolving
complaints call: 1.888.409.7749. regulations administered and enforced by the U.S. Treasury
Department's Office of Foreign Assets Control ("OFAC"). Therefore, any
Protection Plan
adequate medical treatment is not locally available; (b) reasonable and Point, WI 54481, or call 1.888.409.7749.
necessary charges for escort expenses required by Insured, if the expenses incurred or claims made involving travel that is in violation of
Notice to North Carolina residents: This Description of Insurance
Insured is disabled during a Trip, and an escort is recommended, in General Provisions provides all of the applicable benefits mandated by the North Carolina
such sanctions, laws and regulations will not be covered under the Schedule of Benefits
policy. For more information, you may consult the OFAC internet
writing, by the attending Physician; (c) reasonable and necessary Acts of Agents No agent or any person or entity has authority to Insurance code, but is issued under a master policy located in another website at www.treas.gov/offices/enforcement/ofac/ or an AIG Travel Per Booking
charges for services for transportation of the Insured's remains to accept service of the required proof of loss or demand arbitration on state and may be governed by that state's laws.
his/her place of residence if he/she dies during a Trip. Services must be the Insurer's behalf nor to alter, modify, or waive any of the provisions Guard representative. Trip Cost Trip Cancellation & Interruption
provided by a provider designated by AIG Travel Assist. of the policy. Notice to Texas residents: The policy may provide a duplication of (Maximum Limit $100,000)
Additional Benefit: In addition to the above Covered Expenses, if the Autopsy The Insurer at its own expense, may require an autopsy coverage already provided by your personal auto insurance, Satisfaction Guaranteed -- AIG Travel Guard is committed to $ 400 Trip Delay ($100 maximum per day)
Insurer has previously evacuated an Insured to a medical facility, the where permitted by law. homeowner's, personal liability policy, or other source of coverage. providing products and services that will exceed expectations. If
Insurer will pay his/her airfare costs from that facility to the Insured's Concealment or Fraud The Insurer does not provide coverage for the You are not completely satisfied, You can receive a refund of the $ 400 Baggage Delay ($100 maximum per day)
Return Destination, within one year from the Insured's original Insured if the Insured has intentionally concealed or misrepresented cost, minus the service fee. Requests must be submitted to $ 25,000 Medical Expense
Contracted Return Date, less refunds from the Insured's unused any material fact or circumstance relating to the policy or claim. AIG Travel Assist* property management company in writing within 10 days of the
$500,000 Emergency Medical Transportation
transportation tickets. Airfare costs will be economy, or first class if the Insurer's Recovery Rights In the event of a payment under the Travel Medical Assistance effective date of the coverage, provided it is not past the original
Insured's original tickets are first class. This benefit is available only if it policy, the Insurer is entitled to all rights of recovery that the Insured, · Emergency medical transportation assistance departure date. Included Travel Medical Assistance
is not provided under another coverage in the policy. or the person to whom payment was made, has against another. The · Physician/hospital/dental/vision referrals Included Worldwide Travel Assistance
Additional Exclusions: In addition to the General Exclusions, the Insured must sign and deliver to the Insurer any legal papers relating to · Repatriation of mortal remains
Insurer also will not pay for services arranged without the Insurer's that recovery, do whatever is necessary to help the Insurer exercise Included Roadside Assistance
· Return travel arrangements
prior consent or approval. Timely notification by the Insured to the those rights, and do nothing after the loss to harm the Insurer's rights. · Emergency prescription replacement
Insurer's designated provider is required, with regard to Emergency When an Insured has been paid benefits under the policy but also
IMPORTANT -- Exclusions apply to certain medical conditions.
· Dispatch of doctor or specialist
Evacuation. recovers from another policy, the amount recovered from the other · Medical evacuation quote
policy shall be held in trust for the Insurer by the Insured and · In-patient and out-patient medical case management PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
Payment of Claims reimbursed to the Insurer the extent of the Insurer's payment. The · Qualified liaison for relaying medical information to family members If insurance is purchased within 14 days of initial Trip payment, the Pre-
Claim Procedures: Notice of Claim: The Insured must call AIG Travel provision does not apply in North Carolina. · Arrangements of visitor to bedside of hospitalized Insured Existing Medical Condition Exclusion will be waived for the first $25,000
Guard as soon as reasonably possible, and be prepared with what Legal Actions No one may sue for benefits less than 60 days after · Eyeglasses and corrective lens replacement assistance per person/$50,000 per booking. This is applicable to all coverages
coverage the loss was under (i.e., Medical Expense), the name of the due proof of loss is submitted, nor more than 3 years (or the minimum · Medical payment arrangements contained in the policy. The Insured must be medically able to travel
company that arranged the Trip (i.e., tour operator, cruise line, or charter period of time permitted by state law, if greater, in Florida 5 years) after · Medical cost containment/expense recovery and overseas when you pay your premium. In the event a claim is filed, the Injury or
operator), the Trip dates and the amount that the Insured paid. AIG the date claim forms are due. investigation illness must be substantiated to our Claims Department.
Travel Guard will complete the claim form and send it to the Insured for Payment of Premium Coverage is not effective unless all premium due · Medical bill audits
his/her review/signature. The completed form should be returned to has been paid to AIG Travel Guard prior to a date of loss or insured For coverage questions or to request a claim form, call toll-free
· Shipment of medical records 1.888.409.7749. For emergency help while on your Trip, see the
AIG Travel Guard, PO Box 47, Stevens Point, Wisconsin 54481 occurrence. · Medical equipment rental/replacement
(Telephone: 1.888.409.7749). All claims of California residents will be Termination of the Policy Termination of the policy will not affect a information and phone numbers on the reverse side.
Worldwide Travel Assistance
administered by Mercury Claims Administrator Services, LLC. All claim for loss which occurs while the policy is in force. · Lost baggage search; stolen luggage replacement assistance Blanket Travel Accident Insurance
accident, health, and life claims will be administered by Mercury Transfer of Coverage Coverage under the policy cannot be · Lost passport/travel documents assistance This document describes the benefits and basic provisions of the policy.
Claims & Assistance of WI, LLC, in those states where it is licensed. transferred by the Insured to anyone else. · ATM locator You should read it with care so you will understand the coverage. The policy
Claim Procedures: Proof of Loss: The claim forms must be sent back · Emergency cash transfer assistance is the only contract under which benefits are paid.
to AIG Travel Guard no more than 90 days after a covered loss occurs Notice to California residents: The plan contains disability insurance · Travel information including visa/passport requirements
or ends, or as soon after that as is reasonably possible. All claims under benefits or health insurance benefits, or both, that only apply during · Emergency telephone interpretation assistance PLEASE READ THIS DOCUMENT CAREFULLY!
the coverage must be submitted to AIG Travel Guard no later than one your covered Trip. You may have coverage from other sources that · Urgent message relay to family, friends or business associates Insurance Coverage
year after the date of loss or insured occurrence or as soon as already provides you with these benefits. You should review your · Up-to-the-minute travel delay reports Underwritten by the National Union Fire Insurance Company of Pittsburgh,
reasonably possible. If AIG Travel Guard has not provided claim forms existing policies. If you have any questions about your current · Long-distance calling cards for worldwide telephoning PA, a member of the AIG Companies®, with its principal place of business
within 15 days after the Notice of Claim, other proofs of loss should be coverage, call your insurer or health plan. When calling from the U.S., 1.888.409.7749.
· Inoculation information at 70 Pine Street, New York, New York 10270. It is currently authorized to
sent to the Insurer by the date claims forms would be due. The proof · Embassy or Consulate Referral When calling from abroad, call collect 1.715.295.5452. transact business in all states and the District of Columbia. NAIC No.
of loss should include written proof of the occurrence, type and Notice to Florida residents: The benefits of the Policy providing your · Currency Conversion or purchase We will coordinate your assistance needs 19445.
amount of loss, the Insured's name, the participating organization · Up-to-the-minute information on local medical advisories, epidemics, with the appropriate ATA Center.
coverage are governed primarily by the law of a state other than Florida.
name, and the policy number. required immunizations and available preventive measures This is only a brief description of the insurance coverage(s) available under
Payment of Claims: When Paid: Claims will be paid as soon as AIG · Up-to-the-minute travel supplier strike information policy series T30253NUFIC. The Policy contains reductions, limitations,
Travel Guard receives complete proof of loss and verification of age. Notice: Your homeowners policy, if any, may provide coverage for loss of · Legal referrals/bail bond assistance exclusions, and termination provisions. Full details of the coverage are
Payment of Claims: To Whom Paid: Benefits paid on account of an personal effects provided by any Baggage/Personal Effects coverage · Worldwide public holiday information Benefits are payable up to the amount of coverage in the insurance policy provided contained in the Policy. If there are any conflicts between this document
Insured's death will be paid to: 1) his/her spouse, if living; 2) if not, in provided by this policy. This insurance is not required in connection with through AIG Travel Guard®. Failure to call AIG Travel Assist may invalidate any payments and the Policy, the Policy shall govern.
equal shares to his/her living children; 3) if there are none, in equal the Insured's purchase of travel tickets. applicable on your claim. ATA shall not be responsible for the availability, quality, or
24-Hour Roadside Assistance Services* results of any medical treatment or the failure of the insured person to obtain medical
shares to his/her living parents; 4) if there are none, in equal shares to Towing Assistance, Flat Tire Assistance, Oil, Fluid and Water Delivery treatment.
his/her living brothers and sisters; 5) if there are none, to his/her The definition of "Hospital" applicable to residents of Florida includes a Service, Fuel Delivery Service, Lock-out Assistance, Battery
- Coverage is valid only if premium has been paid -
estate. facility that is accredited by the Joint Commission on the Accreditation of Assistance, and Collision Assistance. PRODUCT NUMBER: 008085 P2-P3 10/07
008085-CT P2-P3 10/07 AIG Travel Guard 3/08
In the event of a claim, please refer to the above Product Number.