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Notice to State of …
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Language: english
Created: Thu Nov 30 11:00:32 2006
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Notice to State of Definitions "Immediate Family Member" means a person's spouse, child,
Washington Residents: "Baggage" means luggage and personal possessions, whether spouse's child, daughter-in-law, son-in-law, brother, sister,
This is not your insurance policy. owned, borrowed, or rented, taken by the Insured on the Trip. mother, father, grandparents, grandchild, step-brother,
To obtain your state-specific insurance policy, visit "Business Partner" means an individual who a) is involved with step-sister, step-parents, parents-in-law, brother-in-law, sister-
www.insureamerica.com, or call 1.715.346.0860. the Insured or the Insured's Traveling Companion in a legal in-law, aunt, uncle, niece, nephew, legal guardian, or legal
partnership; and b) is actively involved in the daily manage- ward.
DESCRIPTION OF COVERAGE ment of the business. "Inclement Weather" means any severe weather condition
"Common Carrier" means any conveyance operated under a which delays the scheduled arrival or departure of a Common
license for the transportation of passengers for hire. Carrier.
"Complication of Pregnancy" means a condition in which the "Injury" means a bodily Injury caused by an accident occurring
diagnosis is distinct from pregnancy but adversely affected or while this Policy is in force as to the Insured whose Injury is
Schedule of Benefits caused by pregnancy. It does not include any condition the basis of a claim, and resulting directly and independently
Tour Cost Trip Cancellation & Interruption associated with the management of a difficult pregnancy not of all other causes of loss covered by this Policy. The Injury
$ 500 Travel Delay ($100 maximum per day)
consisting of a classifiably distinct Complication of Pregnancy. must be verified by a Physician.
$ 1,000 Baggage & Personal Effects "Insured" means the person named on the individual
$ 100 Baggage Delay "Contracted Departure Date" means the date on which the
$ 10,000 Medical Expense Insured is originally scheduled to leave on his/her Trip. Enrollment Form.
$ 20,000 Emergency Medical Transportation "Contracted Return Date" means the date on which the Insured "Insurer" means National Union Fire Insurance Company of
$ 25,000 Accidental Death & Dismemberment is scheduled to return to the point where the Trip started, or Pittsburgh, PA.
Included TRAVEL GUARD® Assist
to a different specified Return Destination. "Medically Necessary" means that a treatment, service or sup-
Included LiveTravel ply: (1) is essential for diagnosis, treatment, or care of the
Included Live Messaging "Default" means any failure of a provider of travel-related serv-
Included Pre-Trip Travel Advice ices (including any tour operator) to provide the bargained-for Injury or Sickness for which it is prescribed or performed; (2)
Included Emergency Cash Transfer travel services or to refund money due the Insured. meets generally accepted standards of medical practice; (3) is
"Destination" means the place where the Insured expects to ordered by a Physician and performed under his or her care,
Optional Additional Coverages
$ 25,000 Renter's Collision Insurance travel on his/her Trip. supervision, or order; and (4) is not primarily for the conven-
$ 30,000 Emergency Medical Transportation "Exotic Vehicle" means Alfa Romeo, Aston Martin, Auburn, ience of the Insured, Physician, other providers, or any other
Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, person.
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, "Natural Disaster" means a flood, hurricane, tornado, earth-
If insurance is purchased within 24 hours of initial Trip payment, the Pre-Existing Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen, Jensen Healy, quake, or blizzard that is due to natural causes.
Medical Condition Exclusion will be waived. This is applicable to all coverages "Physician" means a licensed practitioner of the healing arts,
contained in the policy. The Insured must be medically able to travel when you Lamborghini, Lancia, Lexus, Lotus, Maserati, Mercedes, MG,
pay your premium. In the event a claim is filed, the Injury or illness must be sub- Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, acting within the scope of his/her license. The treating
stantiated to our Claims Department. Stutz, Sterling, and Triumph. The Insured must contact Travel Physician may not be the Insured, Immediate Family Member
Guard customer service at 1.866.385.4839 before renting to of the Insured or the Insured's spouse or a Traveling
IMPORTANT -- Exclusions apply to certain medical conditions. confirm whether the vehicle is covered. Companion, Traveling Companion, or Business Partner.
For coverage questions or to request a claim form, call toll-free 1.866.385.4839. For "Experimental or Investigative" means treatment, a device or "Reasonable Additional Expenses" means any expenses for
emergency help while on your Trip, see the information and phone numbers on the prescription medication which is recommended by a meals and lodging which were necessarily incurred as the
reverse side. Physician, but is not considered by the medical community as result of a Trip Interruption or Travel Delay and which are not
a whole to be safe and effective for the condition for which the provided by the Common Carrier or any other party free of
Blanket Travel Accident Insurance
This document describes the benefits and basic provisions of the policy. You should treatment, device or prescription medication is being used, charge.
read it with care so you will understand the coverage. The policy is the only con- including any treatment, procedure, facility, equipment, "Reasonable and Customary Charges" means an expense which:
tract under which benefits are paid. drugs, drug usage, devices, or supplies not recognized as (a) is charged for treatment, supplies or medical services
accepted medical practice, and any of those items requiring Medically Necessary to treat the Insured's condition; (b) does
PLEASE READ THIS DOCUMENT CAREFULLY! not exceed the usual level of charges for similar treatment,
federal or other governmental agency approval not received at
Insurance Coverage the time services are rendered. supplies, or medical services in the locality where the expense
Underwritten by the National Union Fire Insurance Company of Pittsburgh, PA, a "Hospital" means a place that: (a) holds a valid license; (b) is is incurred; and (c) does not include charges that would not
member of the AIG Companies , with its principal place of business at 70 Pine
®
run mainly for the care and treatment of sick or injured per- have been made if no insurance existed. In no event will the
Street, New York, New York 10270. It is currently authorized to transact business Reasonable and Customary Charges exceed the actual amount
in all states and the District of Columbia. NAIC No. 19445. sons as inpatients; (c) has a staff of one or more Physicians
available at all times; (d) provides 24-hour nursing service and charged.
This is only a brief description of the insurance coverage(s) available under policy has at least one registered nurse on duty at all times; (e) has "Return Destination" means the place to which the Insured
series T30253NUFIC. The Policy contains reductions, limitations, exclusions, and
organized diagnostic and surgical facilities, either on the expects to return from his/her Trip.
termination provisions. Full details of the coverage are contained in the Policy. If there "Sickness" means an illness or disease which requires treat-
are any conflicts between this document and the Policy, the Policy shall govern. premises or on a contract basis with another Hospital; and (f)
is not mainly a clinic, or facility for nursing, rest or convales- ment by a Physician.
- Coverage is valid only if premium has been paid - cence, or a place for the aged. "Strike" means a stoppage of work (a) announced, organized,
and sanctioned by a labor union and (b) which interferes with
PRODUCT NUMBER: 007715-P1 2/05
In the event of a claim, please refer to the above Product Number.
2
the normal departure and arrival of a Common Carrier. "Additional Exclusions"), the policy does not cover loss Insurer will pay each Insured that proportion of the Benefits
Included in the definition of Strike is work slowdowns and caused by: stated which $10,000,000 bears to the total loss of all
sickouts. (a) suicide, or attempted suicide, or intentionally self-inflict- persons the Insurer insures under all travel and flight insur-
"Travel Agent" means the Travel Agent, tour operator, or other ed Injury or any attempt at intentionally self-inflicted Injury by ance in force, under the Travel Guard Policies Underwritten by
entity from which the Insured purchases his/her coverage or the Insured, Immediate Family Member, Traveling Companion National Union. The Insurer will pay no more than $50,000
travel arrangements, and includes all officers, employees, and or Business Partner (while sane, in Colorado and Missouri); (b) per occurrence, under the Travel Guard Policies Underwritten
affiliates of the Travel Agent or tour operator. pregnancy or childbirth, or elective abortion, other than by National Union, to or on account of any person insured
"Travel Supplier" means the tour operator, hotel, cruise line, Complications of Pregnancy; (c) professional athletic events, under the Travel Guard Policies Underwritten by National
and/or airline that: (1) provides pre-paid travel arrangements motor sport, or motor racing, including training or practice for Union.
for the Insured's Trip; and (2) is named in the master the same; (d) mountain climbing; (e) war or act of war, Trip Cancellation and Interruption
application. whether declared or not, civil commotion, insurrection or riot; The Insurer will pay this benefit up to the Maximum Limit
"Traveling Companion" means a person or persons with whom (f) military duty or service; (g) operating or learning to operate shown on the Schedule of Benefits if a Trip is canceled or
the Insured has coordinated travel arrangements and intend to any aircraft, as student, pilot or crew; (h) air travel on any air- interrupted due to any of the following unforeseen reasons: (a)
travel with during the Trip. A group or tour leader is not con- supported device, other than a regularly scheduled airline or Sickness, Injury, or death of an Insured, Immediate Family
sidered a Traveling Companion, unless the Insured is sharing air charter company; (i) loss or damage caused by detention, Member, Traveling Companion, or Business Partner. Injury or
room accommodations with the group or tour leader. confiscation, or destruction by customs; (j) any unlawful acts, Sickness must be so disabling as to reasonably cause a Trip to
"Trip" means a period of round-Trip travel away from home to committed by the Insured, a Traveling Companion, or an be delayed, canceled, or interrupted; (b) Inclement Weather
a Destination outside the Insured's city of residence; the pur- Immediate Family Member, whether insured or not; (k) conditions causing delay or cancellation of travel; (c) the
pose of the Trip is business or pleasure and is not to obtain mental, psychological, or nervous disorders including, but not Insured's principal residence being made uninhabitable by
health care or treatment of any kind; the Trip has defined limited to, anxiety, depression, neurosis, or psychosis; (l) if the fire, flood, or similar Natural Disaster, vandalism, or burglary;
departure and return dates specified when the Insured Insured's tickets do not contain specific travel dates (open (d) the Insured being subpoenaed, required to serve on jury
applies; the Trip does not exceed 180 days; and the Insured's tickets); (m) alcohol or substance abuse or treatment for duty, hijacked, or quarantined; (e) being involved in or delayed
Destination is not to another home; travel is primarily by same; (n) medical treatment during or arising from a Trip due to an automobile accident en route to departure; (f)
Common Carrier and only incidentally by private conveyance. undertaken for the purpose or intent of securing medical treat- Strike, resulting in the complete cessation of travel services at
Individual Eligibility, Effective & Termination Dates ment or traveling expressly for the purpose of obtaining the point of departure or Destination. This coverage does not
Persons eligible for insurance under the policy are any travel- medical treatment; (o) elective or non-emergency treatment or cover loss caused by: (i) carrier-caused delays including an
ers who purchase coverage through the Travel Supplier, surgery, except for any necessary treatment or surgery due to announced, organized, sanctioned labor union Strike that
accepts, enrolls and pays the premium for coverage providing covered Injury; (p) Experimental or Investigative treatment or affects public transportation, unless the Insured's coverage
they have not already departed on their Trip. procedures; or (q) an Injury or Sickness which occurs at a time effective date is prior to when the Strike is foreseeable. A
Effective Date: Trip Cancellation benefit will be effective at when this coverage is not in effect. Strike is foreseeable on the date labor union members vote to
12:01 a.m. on the day after the premium is paid to the Travel approve a Strike; (ii) travel arrangements canceled or changed
Agent. PRE-EXISTING MEDICAL CONDITION by an airline, cruise line, or tour operator, unless the cancel-
All other coverages will begin on the later of: (a) the date and EXCLUSION APPLICABLE TO ALL COVERAGES lation is the result of a Natural Disaster; (iii) changes in plans
time the Insured starts his/her Trip, or (b) the scheduled The Insurer will not pay for loss or expense incurred as the by the Insured, an Immediate Family Member, or Traveling
Contracted Departure Date shown on the enrollment form. result of an Injury, Sickness or other condition of the Companion, for any reason; (iv) financial circumstances of the
Termination Date: All coverage ends on the earliest of: (a) the Insured, a Traveling Companion, or an Immediate Family Insured, an Immediate Family Member, or a Traveling
date the Trip is completed; (b) the scheduled Contracted Member of the Insured or Traveling Companion which, with- Companion; (v) any business or contractual obligations of the
Return Date; (c) the Insured's arrival at the Return Destination in the 60 day period before the Insured's coverage began: (a) Insured, an Immediate Family Member or a Traveling
on a round Trip, or the Destination on a one-way Trip; or (d) first manifested itself, worsened, became acute, or had Companion; (vi) Default by the person, agency, or tour opera-
cancellation of the Trip covered by the policy. symptoms which would have prompted a reasonable person tor from whom the Insured bought his/her coverage or
The policy covers Trips up to 180 days in length. to seek diagnosis, care or treatment; (b) required taking pre- purchased his/her travel arrangements; (vii) any government
Extension of Coverage: All coverage under the policy will be scribed drugs or medicine, unless the condition for which regulation or prohibition; (viii) an event or circumstance which
extended, if: (a) the Insured's entire Trip is covered by the pol- the prescribed drug or medicine is taken remains controlled occurs prior to the Insured's coverage effective date.
icy; and (b) the Insured's return is delayed by unforeseeable without any change in the required prescription; or (c) Trip Cancellation Benefits: The Insurer will pay this benefit up
circumstances beyond his/her control. required treatment by a Physician or treatment had been to the Maximum Limit shown on the Schedule of Benefits for
If coverage is extended for the above reasons, coverage will recommended by a Physician. Trips that are delayed or canceled before the scheduled
end on the earlier of: (a) the date the Insured reaches his/her Contracted Departure Date. The Insurer will pay forfeited, non-
Return Destination; or (b) seven (7) days after the date the MAXIMUM LIMIT OF LIABILITY: All limits are applied per refundable, unused prepaid payments or deposits if the
Trip was scheduled to be completed. Trip. The Insurer's maximum limit of liability resulting from Insured's Trip is canceled due to the reasons shown at the
General Exclusions the same occurrence will be $10,000,000 under the Travel beginning of this section.
Guard Policies Underwritten by National Union. If loss for all The Insurer will pay the Insured's additional cost as a result of
These exclusions apply to all benefits. In addition to any Insureds from such an occurrence exceeds $10,000,000, the
exclusions which apply to a particular benefit (called a change in the per-person occupancy rate for prepaid travel
4 5 6
arrangements if a Traveling Companion's Trip is canceled due tickets, except for administrative fees required to reissue tick- receive total benefits in excess of the expenses actually
to reasons shown at the beginning of this section, and the ets; (f) money, stamps, stocks and bonds, postal or money incurred, the benefits will be reduced by such excess.
Insured's Trip is not canceled. orders; (g) property shipped as freight, or shipped prior to the Additional Exclusions: In addition to the General Exclusions,
Trip Interruption Benefits: The Insurer will pay this benefit up to Contracted Departure Date; (h) credit cards, except as noted coverage is not provided for: (a) routine physical examinations;
the Maximum Limit shown on the Schedule of Benefits for above; (i) contraband. (b) replacement of hearing aids, eye glasses, contact lenses,
Trips that have been interrupted or delayed, due to the reasons Special Limitation: The Insurer will not pay more than $500 for sunglasses, and artificial teeth; (c) routine dental care; (d) any
shown at the beginning of this section. The Insurer will pay for the first item and, thereafter, no more than $250 per item up service provided by the Insured, an Immediate Family Member
the following: (a) unused prepaid payments or deposits for the to the limit of coverage as shown in the Schedule of Benefits. or Traveling Companion.
Insured's Trip if the Insured's Trip is interrupted; or (b) addi- Items over $150 should be accompanied by original receipts. Payment of Loss: The Insured must provide the Insurer with: (a)
tional transportation expenses incurred by the Insured, either If receipts are not provided, benefits may be reduced. all medical bills and reports for medical expenses claimed;
(i) to the Return Destination; or (ii) from the place that the Additional Exclusions: In addition to the General Exclusions, and (b) a signed patient authorization to release medical infor-
Insured left the Trip to the place that the Insured may rejoin the Insurer will not pay this benefit for loss due to: (a) defec- mation to the Insurer.
the Trip; (c) additional transportation expenses incurred by the tive materials or craftsmanship; or (b) normal wear and tear; Emergency Medical Transportation
Insured to reach the original Trip Destination if the Insured is or (c) deterioration; or (d) rodents, animals, or insects. The Insurer will pay this benefit up to the Maximum Limit
delayed, and leaves after the Contracted Departure Date. Payment of Loss: The Insurer will pay, the lesser of, cash value shown on the Schedule of Benefits. Travel Guard Assist will
However, the benefit payable under (b) and (c) above will not (original cash value) less depreciation determined by the arrange for emergency medical transportation services
exceed the cost of economy airfare (or first class if the Insurer or replacement. The Insurer will notify the Insured required by the Insured as the result of an Injury or emergency
Insured's original tickets were first class) by the most direct within 30 days after the Insurer receives his/her proof of loss. Sickness during a Trip.
route, less any refunds paid or payable; (d) the Insured's The Insurer may take all or part of the damaged Baggage at Covered Expenses: The Insurer will pay: (a) Reasonable and
additional cost as a result of a change in the per-person occu- the appraised or agreed value. In the event of a loss to a pair Customary Charges for medical services required for evacua-
pancy rate for prepaid travel arrangements if a Traveling or set of items, the Insurer may at the Insurer's option: (a) tion to the nearest adequate medical facility or home if
Companion's Trip is interrupted, and the Insured's Trip is repair or replace any part to restore the pair or set to its value medically required. This service will be arranged only if the
continued. before the loss; or (b) pay the difference between the value of Insured's Physician determines that adequate medical treat-
Travel Delay the property before and after the loss. ment is not locally available; (b) up to $5,000 for reasonable
The Insurer will reimburse up to $100 a day to the Maximum Baggage Delay and necessary charges for escort expenses required by
Limit shown on the Schedule of Benefits if the Insured's Trip The Insurer will reimburse incurred expenses up to the Insured, if the Insured is disabled during a Trip, and an escort
is delayed for 12 or more hours for Reasonable Additional Maximum Limit shown on the Schedule of Benefits for is recommended, in writing, by the attending Physician; (c)
Expenses until travel becomes possible. Incurred expenses Baggage which is delayed or misdirected more than 24 hours reasonable and necessary charges for services for transporta-
must be accompanied by receipts. This benefit is payable for for the cost of necessary personal effects. Incurred expenses tion of the Insured's remains to his/her place of residence if
only one delay per Insured, per Trip. Travel Delay must be must be accompanied by receipts. This does not apply if he/she dies during a Trip. Services must be provided by a
caused by: (a) carrier delay; or (b) lost or stolen passport, trav- Baggage is delayed after the Insured reaches his/her Return provider designated by Travel Guard Assist.
el documents, or money; or (c) quarantine; or (d) Natural Destination. Additional Benefit: In addition to the above Covered Expenses,
Disaster; or (e) Injury or Sickness of the Insured or Traveling Medical Expense Benefit if the Insurer has previously evacuated an Insured to a med-
Companion. The Insurer will pay this benefit, up to the Maximum Limit ical facility, the Insurer will pay his/her airfare costs from that
Loss of Baggage and Personal Effects shown on the Schedule of Benefits. The Insurer will pay for facility to the Insured's Return Destination, within one year
The Insurer will reimburse up to the Maximum Limit shown on medical expenses incurred by the Insured within one year from the Insured's original Contracted Return Date, less
the Schedule of Benefits. The Insurer will pay for loss, theft, from the date of Injury or Sickness provided initial treatment refunds from the Insured's unused transportation tickets.
or damage to the Insured's Baggage, passports, and visas dur- was received during the Trip. The Injury must occur or Airfare costs will be economy, or first class if the Insured's
ing the Insured's Trip. The Insurer will also pay for loss due to Sickness must begin while the Insured is covered by the original tickets are first class. This benefit is available only if
unauthorized use of the Insured's credit cards, if the Insured policy. it is not provided under another coverage in the policy.
has complied with all credit card conditions imposed by the Covered Expenses: The Insurer will pay the Insured's Additional Exclusions: In addition to the General Exclusions,
credit card companies. Reasonable and Customary Charges for medical and surgical the Insurer also will not pay for services arranged without the
Continuation of Coverage: If the covered Baggage, passports, expenses. The Insurer will pay emergency dental treatment Insurer's prior consent or approval. Timely notification by the
and visas are in the charge of a charter or Common Carrier, only during a Trip. Dental coverage does not apply if treatment Insured to the Insurer's designated provider is required, with
and delivery is delayed, this coverage will continue until such or expenses are incurred after the Insured has reached his or regard to Emergency Evacuation.
property is delivered to the Insured. This coverage does not her Destination, in the case of a one-way ticket, or Return Accidental Death and Dismemberment
include loss caused by the delay. Destination regardless of the reason. The treatment must be The Insurer will pay this benefit up to the Maximum Limit
Property Not Covered: The Insurer will not pay for damage or given by a Physician or dentist. The Insurer will pay for profes- shown on the Schedule of Benefits if: (a) the Insured is
loss of: (a) animals; (b) property used in trade, business, or for sional nursing, Hospital charges, X-ray, ambulance services, Injured in an accident which happens while he or she is on a
the production of income; (c) motor vehicles, aircraft, and and prosthetic devices. Trip and covered under the Policy; and (b) he or she suffers
other conveyances; (d) artificial limbs, false teeth, any type of If the Insured is covered by any other group, blanket health, one of the losses listed below, within 180 days of the
eyeglasses, sunglasses, contact lenses, or hearing aids; (e) accident insurance, or assistance plan, and would, as a result, accident.
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The Principal Sum is shown on the Schedule of Benefits. of a covered loss; (f) participation in contests of speed, motor are none, in equal shares to his/her living parents; 4) if there
Percentage of sport or motor racing including training or practice for the are none, in equal shares to his/her living brothers and sisters;
Loss: Principal Sum Payable same; (g) driving under the influence of alcohol; (h) being 5) if there are none, to his/her estate.
Life ........................................................................100% under the influence of drugs or intoxicants, unless prescribed If a benefit is payable to the Insured's estate, or to a minor or
Both hands or feet, or sight of both eyes ....................100% by a Physician; (i) war or act of war, whether declared or not, other person who is incapable of giving a valid release, the
One hand and one foot..............................................100% civil commotion, insurrection or riot; (j) any unlawful acts, Insurer may pay up to $1,000 to a relative by blood or con-
One hand or one foot and sight of one eye ..................100% committed by the Insured, Immediate Family Member, or a nection by marriage who has assumed care or custody of the
Speech and Hearing in Both Ears ..............................100% Traveling Companion, whether insured or not; (k) Injury sus- minor or responsibility for the incompetent person's affairs.
One hand ..................................................................50% tained while committing or attempting to commit a crime. Any payment the Insurer makes in good faith fully discharges
One foot ....................................................................50% The Insured's Duties in the Event of Loss: The Insured must: take the Insurer to the extent of that payment. All other benefits
Sight of One Eye ........................................................50% all reasonable, necessary steps to protect the vehicle and pre- will be payable to the Insured.
vent further damage to it; report the loss to the appropriate Benefits for Medical Expense/Emergency Medical Transportation
If the Insured suffers more than one loss from an local authorities and the rental company as soon as possible; Services may be payable directly to the provider of the servic-
accident, the Insurer will pay only for the loss with the larger obtain all information on any other party involved in an acci- es. However, the provider: a) must comply with the statutory
benefit. The Insurer will not pay more than 100% of the prin- dent, such as name, address, insurance information, and provision for direct payment, and b) must not have been paid
cipal sum for all losses due to the same accident. driver's license number; and provide the Insurer all documen- from any other sources.
Loss of a hand or foot means complete severance at or above tation such as rental agreement, police report, and damage Problems with your insurance? If so, do not hesitate to contact
the wrist or ankle joint. Loss of sight of an eye means com- estimate. Travel Guard to resolve your problem at 1145 Clark Street,
plete and irrecoverable loss of sight. Speech or hearing means Payment of Claims Stevens Point, WI 54481, or call 1.866.385.4839.
entire and irrecoverable loss of speech or hearing in both ears. Claim Procedures: Notice of Claim: The Insured must call Travel General Provisions
Disappearance: If the Insured's body is not found within one Guard as soon as reasonably possible, and be prepared with Acts of Agents No agent or any person or entity has authori-
year of the disappearance, forced landing, stranding, wreck- what coverage the loss was under (i.e., Medical Expense), the ty to accept service of the required proof of loss or demand
ing, or sinking of a conveyance in which he/she was an name of the company that arranged the Trip (i.e., tour opera- arbitration on the Insurer's behalf nor to alter, modify, or waive
occupant, he/she will be presumed dead. tor, cruise line, or charter operator), the Trip dates and the any of the provisions of the policy.
Additional Exclusion: In addition to the General Exclusions, the amount that the Insured paid. Travel Guard will complete the Autopsy The Insurer at its own expense, may require an
Insurer will not pay for loss caused by or resulting from claim form and send it to the Insured for his/her review/signa- autopsy where permitted by law.
Sickness or disease of any kind. ture. The completed form should be returned to Travel Guard Concealment or Fraud The Insurer does not provide coverage
Optional Renter's Collision Insurance Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin for the Insured if the Insured has intentionally concealed or
The Insurer will pay this benefit up to the Maximum Limit 54481 (Telephone: 1.715.295.5452 or 1.866.385.4839). misrepresented any material fact or circumstance relating to
shown on the Schedule of Benefits subject to a $250 All claims of California residents will be administered by the policy or claim.
deductible. Coverage does not apply in countries or states Mercury Claims Administrator Services, LLC. All accident, Insurer's Recovery Rights In the event of a payment under the
where the sale of this insurance is prohibited by law. If the health, and life claims will be administered by Mercury Claims policy, the Insurer is entitled to all rights of recovery that the
Insured rents a car while on his/her Trip, and the car is dam- & Assistance of WI, LLC, in those states where it is licensed. Insured, or the person to whom payment was made, has
aged due to collision, vandalism, windstorm, fire, hail or flood, Claim Procedures: Proof of Loss: The claim forms must be sent against another. The Insured must sign and deliver to the
while in his/her possession, the Insurer will pay the lesser of: back to Travel Guard no more than 90 days after a covered loss Insurer any legal papers relating to that recovery, do whatever
(a) the cost of repairs and rental charges imposed by the rental occurs or ends, or as soon after that as is reasonably possible. is necessary to help the Insurer exercise those rights, and do
company while the car is being repaired; or (b) the Actual All claims under the coverage must be submitted to Travel nothing after the loss to harm the Insurer's rights. When an
Cash Value of the car. Guard no later than one year after the date of loss or insured Insured has been paid benefits under the policy but also
Coverage is provided to the Insured and Traveling Companion, occurrence or as soon as reasonably possible. If Travel Guard recovers from another policy, the amount recovered from the
providing the Insured and Traveling Companion are licensed has not provided claim forms within 15 days after the Notice other policy shall be held in trust for the Insurer by the
drivers, and are listed on the rental agreement. This coverage of Claim, other proofs of loss should be sent to the Insurer by Insured and reimbursed to the Insurer the extent of the
is primary to other forms of insurance or indemnity. the date claims forms would be due. The proof of loss should Insurer's payment. The provision does not apply in North
In addition to the General Exclusions, coverage is not provid- include written proof of the occurrence, type and amount of Carolina.
ed for loss due to: (a) any loss which occurs if the Insured or loss, the Insured's name, the participating organization name, Legal Actions No one may sue for benefits less than 60 days
his/her Traveling Companion is in violation of the rental agree- and the policy number. after due proof of loss is submitted, nor more than 3 years (or
ment; (b) rentals of trucks, campers, trailers, off-road Payment of Claims: When Paid: Claims will be paid as soon as the minimum period of time permitted by state law, if greater)
vehicles, motor bikes, motorcycles, recreational vehicles, or Travel Guard receives complete proof of loss and verification after the date claim forms are due.
Exotic Vehicles; (c) any obligation the Insured or his or her of age. Payment of Premium Coverage is not effective unless all pre-
Traveling Companion assumes under any agreement except Payment of Claims: To Whom Paid: Benefits paid on account of mium due has been paid to Travel Guard prior to a date of loss
insurance collision deductible; (d) failure to report the loss to an Insured's death will be paid to: 1) his/her spouse, if living; or insured occurrence.
the proper local authorities and the rental car company; (e) 2) if not, in equal shares to his/her living children; 3) if there Termination of the Policy Termination of the policy will not
damage to any other vehicle, structure, or person as a result affect a claim for loss which occurs while the policy is in force.
10 11 12
Transfer of Coverage Coverage under the policy cannot be obtaining funds in local currency for medical or travel
transferred by the Insured to anyone else. Notice to North Carolina residents: In North Carolina, insurance emergencies.
is underwritten by National Union Fire Insurance Company of Emergency Message Center: Transmission of emergency
Notice to California residents: The plan contains disability Pittsburgh, PA, on Policy series 52735MO. messages to family and business associates.
insurance benefits or health insurance benefits, or both, that Interpretation Services: Travel Guard provides emergency
only apply during your covered Trip. You may have coverage Notice to Texas residents: The policy may provide a duplication language support or referral to the appropriate local services.
from other sources that already provides you with these bene- of coverage already provided by your personal auto
fits. You should review your existing policies. If you have any insurance, homeowner's, personal liability policy, or other Assistance in coordinating an emergency cash advance.
questions about your current coverage, call your insurer or source of coverage.
health plan. *Non-insurance services through Travel Guard® Assist are pro-
vided by Travel Guard®.
Notice to Florida residents: The benefits of the Policy providing
your coverage are governed primarily by the law of a state Program fees are non-refundable.
other than Florida.
Make sure you call Travel Guard (1.866.385.4839 or
Notice: Your homeowners policy, if any, may provide coverage 1.715.295.5452) before you seek medical care while travel-
for loss of personal effects provided by any Baggage/Personal Travel Guard® Assist* ing. Where available, we can arrange direct payment to a
Effects coverage provided by this policy. This insurance is not member of our Preferred medical network, saving you the time
required in connection with the Insured's purchase of travel All benefits provided are non-insurance services, not insur-
and paperwork associated with reimbursement of medical
tickets. ance benefits. Any costs associated with benefits not
expenses. Our assistance coordinators also can help you locate
purchased will be paid by the named Insured.
the nearest and most appropriate medical provider, monitor
The definition of "Hospital" applicable to residents of Florida 24-HOUR MEDICAL ASSISTANCE
your care, and provide updates to your family and/or employer.
is as follows: 24-Hour Medical Monitoring: Physicians monitor the Insured's
Hospital means a facility that: (1) is operated according to condition by maintaining close contact with the attending
law for the care and treatment of injured people; (2) has Physicians, his/her family Physician, and Immediate Family
organized facilities for diagnosis and surgery on its premises Members.
or in facilities available to it on a prearranged basis or is Medical Evacuation: Arrangements for any and all means nec-
accredited by the Joint Commission on the Accreditation of essary to transport the Insured back home when Medically
Hospitals, the American Osteopathic Association, or the Necessary.
Commission on the Accreditation of Rehabilitative Facilities; Emergency Medical Payments: If a Hospital demands a cash
(3) has 24 hour nursing service by registered nurses (R.N.'s); deposit or settlement prior to leaving, Travel Guard will assist
and (4) is supervised by one or more Physicians. A Hospital in arranging the advancement of funds to cover on-site
does not include: (1) a nursing, convalescent or geriatric unit medical expenses.
of a hospital when a patient is confined mainly to receive nurs- Prescription Assistance: Replacement of lost or stolen medica-
ing care; (2) a facility that is, other than incidentally, a rest tion, through a local pharmacy or special courier.
home, nursing home, convalescent home or home for the Transportation of Dependents: In the event of hospitalization,
aged; nor does it include any ward, room, wing, or other sec- arrangements will be made for unattended minors traveling
tion of the hospital that is used for such purposes; or (3) any with the Insured to be flown home.
military or veterans hospital or soldiers home or any hospital Family Visit: If the Insured is hospitalized for ten or more days,
contracted for or operated by any national government or gov- Travel Guard will arrange transportation for an Immediate
ernment agency for the treatment of members or ex-members Family Member or close friend to visit him/her. When calling from the U.S., 1.866.385.4839.
of the armed forces. Transportation of Mortal Remains: In the event of death while
When calling from abroad, call collect 1.715.295.5452.
traveling, arrangements for the return of remains to the place
of burial. We will coordinate your assistance needs
The Legal Actions provision applicable to residents of Florida with the appropriate TGA Center.
is as follows: No action at law or in equity may be brought to 24-HOUR LEGAL ASSISTANCE
recover on this Policy prior to the expiration of 60 days after In a legal emergency, referral to a local legal advisor, and
written proof of loss has been furnished in accordance with advance of funds for bail and legal fees.
the requirements of this Policy. No such action may be 24-HOUR TRAVEL ASSISTANCE
Travel Documents Assistance: Travel Guard will help retrieve, Benefits are payable up to the amount of coverage in the insurance policy provided
brought after the expiration of 5 years after the time written through TRAVEL GUARD® and/or INSURE AMERICA®. Failure to call TRAVEL GUARD®
proof of loss is required to be furnished. report, and reissue lost or stolen travel documents. Assist may invalidate any payments applicable on your claim. TGA shall not be respon-
Exclusion (j) does not apply to residents of Florida. Emergency Cash Transfer: Travel Guard will, whenever sible for the availability, quality, or results of any medical treatment or the failure of the
For inquiries, information about coverage or for assistance in possible, coordinate with the Insured and a wire agency, in insured person to obtain medical treatment.
dresolving complaints call: 1.866.385.4839.
13 14 007715 P1-CT 2/05 TRAVEL GUARD® International 11/06