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Air Ticket PROTECTION PLAN DESCRIPTION OF COVERAGE24-Hour Emergency Assistance Telephone NumbersContinental USA 1.800.826.4117 International 1.715.345.0505 Livetravel 24-hour Assistance 1.800.826.8597 Be sure to use the appropriate country and city codes when calling. --KEEP THESE NUMBERS WITH YOU WHEN YOU TRAVEL-- 007783-CT 7/04 TRAVEL GUARD® International 9/04 AIC-TRVL-P The Pre-Existing Condition exclusion will be waived if You purchase this Policy for the full cost of Your Trip and You are not disabled from travel at the time You pay the premium. The booking for the Trip must be the first and only book- ing for this travel period and destination. PART A -- TRAVEL PROTECTIONTrip Cancellation/Trip Interruption: The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverages and Services, if the Insured cancels his/her Trip or are unable to continue on Your Trip due to:
Trip Interruption: reimburses unused, non-refundable airfare paid, to return home or rejoin the original Land/Sea Arrangements (limited to the cost of one-way Economy Airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets) less the value of applied credit from an unused return travel ticket. In no event shall the amount reimbursed exceed the lesser of the amount You pre-paid for Your Trip, or the maximum benefit shown on the Schedule of Coverages. Trip Delay: Trip Delay coverage will be on a one-time basis if You are delayed 12 or more hours. If You experience a covered delay,You are eligible for up to $100 as shown on the Schedule of Coverages and Services, for reasonable, additional accommodations and travel expenses. Covered reasons for travel delay are:
PART B -- BAGGAGE PROTECTIONBaggage/Personal EffectsThe Insurer will reimburse You up to the maximum shown on the Schedule of Coverages and Services for loss, theft, or damage to baggage and personal effects. The Insurer will pay the lesser of the following: actual cash value at the time of the loss, less depreciation as determined by the Insurer, or the cost of repair or replacement. There will be a combined maximum limit of $250 for the following:
The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverages and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 24 hours from the time You arrive at the destination stated on the ticket, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier. Excess Insurance Provision The insurance provided under Parts A and B shall be in excess of all other valid and collectible insurance or indemnity and shall apply when such other benefits are exhausted. (Not applicable to Illinois, Missouri, or Texas residents.) PART C -- TRAVEL ACCIDENT PROTECTIONAccidental Death & DismembermentCommon Carrier -- Air Only Air Common Carrier benefits applies to Injury sustained by You:
the full benefit amount is paid for loss of
Exposure: The Insurer will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to the accident. Disappearance: The Insurer will pay benefits for loss of life if Your body cannot be located one year after the disappearance of the Common Carrier in which You were a passenger due to forced landing, stranding, sinking, or wrecking. PART D -- OPTIONAL COVERAGESThe following coverage is available provided the required premium has been paid:Collision Damage Waiver If You rent while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood, or any cause not within Your control while in Your possession, the Insurer will pay the lesser of:
WORLDWIDE ASSISTANCE SERVICESThe following services are not part of a filed insurance policy. All benefits provided are service benefits, not financial benefits. Any costs associated with benefits not purchased will be paid by the named Insured.Non-insurance services provided through Travel Guard® Assist are provided by Travel Guard®. TRAVEL GUARD® ASSIST24-Hour Medical Assistance24-Hour Medical Monitoring: Physicians monitor the Insured's condition by maintaining close contact with the attending Physicians, his/her family Physician, and Immediate Family Members. Medical Evacuation: Arrangements for any and all means necessary to transport the Insured back home when medically necessary. Emergency Medical Payments: If a Hospital demands a cash deposit or settlement prior to leaving,Travel Guard will assist in arranging the advancement of funds to cover on-site Medical Expenses. Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier. Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with the Insured to be flown home. Family Visit: If the Insured is hospitalized for ten or more days,Travel Guard will arrange transportation for an Immediate Family Member or close friend to visit him/her. Transportation of Mortal Remains: In the event of death while traveling, arrangements and payment for the return of remains to the place of burial. 24-Hour Legal Assistance In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees. 24-Hour Travel Assistance Travel Documents Assistance: Travel Guard will help retrieve, report, and reissue lost or stolen travel documents. Emergency Cash Transfer: Travel Guard will, whenever possible, coordinate with the Insured and a wire agency, in obtaining funds in local currency for medical or travel emergencies. Emergency Message Center: Transmission of emergency messages to family and business associates. Interpretation Services: Travel Guard will provide emergency language support or referral to the appropriate local services. 24-HOUR LIVETRAVEL ASSISTANCEProvides 24-hour assistance for emergency travel needs.Allows you to make emergency travel changes such as rebooking flights, making hotel reservations, tracking lost luggage, and replacing lost credit cards. Call 1.800.826.8597 for assistance.Live Messaging -- Relay of e-mail or phone message to family, friends, or business associates. Emergency Cash Transfer -- Assistance in coordinating an emergency cash advance. Pre-trip Travel Advice -- Around-the-clock access to
Bag Trak® If the insured's bags are lost or stolen, TRAVELGUARD® will assist in locating them. Satisfaction Guarantee -- Travel Guard is committed to providing products and services that will exceed expectations. If You are not completely satisfied, You can receive a refund of the premium, minus the service fee. Requests must be submitted to Travel Guard in writing within 15 days of the effective date of the Policy, provided it is not past the original departure date. PRE-EXISTING CONDITIONSPre-Existing Conditions means the Insurer will not pay under any coverage in Part A for any claims arising from an injury, sickness, or other condition of Yourself, a Traveling Companion,or a Family Member within the 180-day period before Your coverage began under this protection plan which,
EXCLUSIONSThe following exclusions apply to Part A and AD&D Common Carrier coverage in Part C. This plan does not cover any loss caused by or resulting from:
ANY LOSS OR DAMAGE TO:
DEFINITIONS
CLAIMS PROCEDUREAll claims of California residents will be administered by Mercury Administrator Services, LLC. All accident, health and life claims will be administered by Mercury Claims of WI, LLC in those states where it is licensed. To facilitate prompt claims settlement:TRIP CANCELLATION CLAIMS: IMMEDIATELY Call Travel Supplier and the Claims Administrator to report Your cancellation and avoid non-covered expenses due to late reporting. The Claims Administrator will then advise You on how to obtain the appropriate form to be completed by You and the attending Physician. INTERRUPTION: Obtain medical statements from the doctors in attendance in the country where Sickness or accident occurred. These statements should give complete diagnosis, stating that the Sickness or accident prevented traveling on dates contracted. Provide all unused transportation tickets, official receipts, etc. BAGGAGE: Obtain a statement from the Common Carrier that your luggage was delayed or a police report showing Your luggage was stolen along with copies of receipts for your purchases. TO OBTAIN CLAIM FORMS AND ANY ADDITIONAL INFORMATION ON HOW TO REPORT A CLAIM, CALL OR WRITE THE PLAN ADMINISTRATOR AND REFER TO PRODUCT 007783.BENEFICIARYYour Estate, unless written notice of a designated beneficiary is provided to the Plan Administrator. FOR PLAN INQUIRIES OR INFORMATION ON FILING A CLAIM PLEASE CONTACT THE PLAN ADMINISTRATOR AT:Travel Guard1145 Clark Street Stevens Point, WI 54481 1.800.826.4117 or direct dial 1.715.345.0505 GENERAL PROVISIONSCONTRACT. The Policy, applications, riders, and endorsements, if any, make up the entire contract. No change in the Policy is valid unless it is signed by an executive officer of the Insurer. No agent has the power to change this Policy.RECORDS. As required by the Insurer, the Participating Organization must keep a record of the insurance for all Insureds.The Insurer can inspect these records while coverage is in effect and for one year after it ends or until final adjustment and settlement of claims hereunder, whichever is later. CLERICAL ERRORS. The Insurer will not deny or cancel coverage on an Insured because of clerical error by the Participating Organization or by the Insurer. After an error is found, the Insurer will take appropriate action.This may include adjusting, collecting, or refunding premium. CONTESTING THIS POLICY. The Insurer relies on statements made by the Participating Organization in the application. If there is no fraud, the Participating Organization's statements:
LEGAL ACTIONS. No legal action for a claim can be brought against us until sixty (60) days after we receive proof of loss. No legal action for a claim can be brought against us more than two (2) years after the time required for giving proof of loss. CONTROLLING LAW. Any part of this Policy that conflicts with the state law where the Policy is issued is changed to meet the minimum requirements of that law. MISREPRESENTATION AND FRAUD. Coverage as to an Insured shall be void if, whether before or after a loss, the Insured has concealed or misrepresented any material fact or circumstance concerning this Policy or the subject thereof, or the interest of the Insured therein, or if the Insured commits fraud or false swearing in connection with any of the foregoing. SUBROGATION. To the extent the Insurer pays for a loss suffered by an Insured, the Insurer will take over the rights and remedies the Insured had relating to the loss. This is known as subrogation. The Insured must help the Insurer to preserve its rights against those responsible for the loss. This may involve signing any papers and taking any other steps the Insurer may reasonably require. If the Insurer takes over an Insured's rights, the Insured must sign an appropriate subrogation form supplied by the Insurer. ASSIGNMENT. This Policy is not assignable but benefits may be assigned. CANCELLATION AND NON-RENEWAL.Cancellation by the Participating Organization or Insured:The Participating Organization or Insured has the right to cancel this Policy at any time by giving advance notice to the Insurer (stating when thereafter the cancellation shall be effective). Cancellation by the Insurer: The Insurer has the right to cancel this policy at any time and for any reason within the first sixty (60) days.The Insurer will mail all notice of cancellation thirty (30) days prior to the effective date of cancellation on a policy which has been in force sixty (60) days or less. A specific explanation for cancellation will be given. On a policy which has been in force sixty-one (61) days or more, the Insurer will mail advance notice of cancellation sixty (60) days prior to cancellation. After this Policy has been in effect for sixty (60) days, it may be cancelled only for one of the following reasons:
The Insurer will mail all notices of cancellation for nonpayment of premium ten (10) days in advance prior to cancellation. Non-renewal by the Insurer: The Insurer has the right to non-renew this Policy effective on any annual policy anniversary date. All notices of non-renewal will be mailed to the Participating Organization or Insured at the last mailing address known to the Insurer, at least sixty (60) days prior to the effective date of non-renewal and shall provide a specific explanation of the reasons for non-renewal. POLICY TERM. The period beginning on the effective date and continuing for a period indicated in the Policy.The Policy term shall automatically renew continuously for successive one-year periods (Policy anniversary date) there- after until cancelled or non-renewed pursuant to the terms of this Policy. WHEN AN INSURED'S COVERAGE BEGINS. All coverage (except Trip Cancellation) will take effect at 12:01 A.M. local time, at the location of the Insured, on the Scheduled Departure Date provided:
WHEN AN INSURED'S COVERAGE ENDS. An Insured's coverage will end at 11:59 P.M. local time on the date which is the earliest of the following:
AMOUNT OF PREMIUM. The amount of premium due from the Participating Organization is calculated by multiplying the number of Insureds in each class by the amounts due for the benefits for that class and adding the total amounts due for each class. The amount of premium due for each Insured is obtained by adding the total rate charged for each benefit provided for that Insured. MODE OF PREMIUM. Insured:The required premium must be paid to the Participating Organization or its authorized representative prior to the Scheduled Departure Date of the Covered Trip. Participating Organization:The Participating Organization will pay the premium according to the schedule noted in the travel protection policy application. PREMIUM RATE CHANGE. The Insurer has the right to change premium rates on any premium due date. The Insurer will give the Participating Organization thirty-one (31) days advance notice in writing of any such change. The Insurer can also change the rates when any change affecting rates is made in the Policy. ARBITRATION. Notwithstanding anything in this Policy to the contrary, any claim arising out of or relating to this contract, or its breach, will be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial rules except to the extent provided otherwise in this clause. Judgment upon the award rendered in such arbitration may be entered in any court having jurisdiction thereof. All fees and expenses of the arbitration shall be borne by the parties equally. However, each party will bear the expense of its own counsel, experts, witnesses, and preparation and presentation of proofs.The arbitrators are precluded from awarding punitive, treble or exemplary damages, however so denominated. If more than one Insured is involved in the same dispute arising out of the same Policy and relating to the same loss or claim, all such Insureds will constitute and act as one party for the purposes of the arbitration. Nothing in this clause will be construed to impair the rights of the Insureds to assert several, rather than joint, claims or defenses. This section does not apply to Kansas residents. CLAIMS. Death claims will be paid to the Insured's estate, unless we receive a written request from the Insured designating a named beneficiary. All other claims will be paid to the Insured. In the event the Insured is a minor, incompetent or otherwise unable to give a valid release for the claim, the Insurer may make arrangement to pay claims to the Insured's legal guardian, committee, or other qualified representative. Any payment made in good faith will discharge the Insurer's liability to the extent of the claim. The Claimant (either the Insured or someone acting for the Insured) must notify the Insurer or its designated agent in writing about the claim. Correspondence should be sent to the administrative office, at the address shown on the cover page of the Policy or the Insurer's designated agent. Such notification should include the Insured's name, the Participating Organization's name and the Policy number. The Claimant should notify the Insurer within twenty (20) days after a covered loss occurs or as soon as reasonably possible. NOTICE OF CLAIM. Written notice of claim must be given to the Insurer or its designated representative within twenty (20) days after a covered loss first begins or as soon as reasonably possible. Notice should include the Insured's name and Policy number. PROOF OF LOSS. The Claimant must send the Insurer, or its designated representative, proof of loss within ninety (90) days after a covered loss occurs or as soon as reasonably possible. PAYMENT OF CLAIMS. The Insurer, or its designated representative, will pay a claim after receipt of acceptable proof of loss. Benefits for loss of life are payable to Insured's beneficiary. If a beneficiary is not otherwise designated by the Insured benefits for loss of life will be paid to the first of the following sur- viving preference beneficiaries:
The applicable benefit amount will be reduced by the amount of benefits, if any, previously paid by other Insurance Policies. In no event will the Insurer reimburse the Insured for an amount greater than the amount paid by the Insured. PHYSICAL EXAMINATION AND AUTOPSY. The Insurer, or its designated representative, at their own expense, have the right to have the Insured examined as often as reasonably necessary while a claim is pending. The Insurer, or its designated representative, also have the right to have an autopsy made unless prohibited by law. The following provisions apply to Baggage/Personal Effects and Baggage Delay coverages only: NOTICE OF LOSS. If the Insured's property covered under this Policy is lost, stolen or damaged, the Insured must:
SETTLEMENT OF LOSS. Claims for damage and/or destruction shall be paid after acceptable proof of the damage and/or destruction is presented to the Insurer and the Insurer has determined the claim is covered. Claims for lost property will be paid after the lapse of a reasonable time if the property has not been recovered. The Insured must present acceptable proof of loss and the value involved to the Insurer. VALUATION. The Insurer will not pay more than the actual cash value of the property at the time of loss. Damage will be estimated according to actual cash value with proper deduction for depreciation.At no time will payment exceed what it would cost to repair or replace the property with material of like kind and quality. DISAGREEMENT OVER SIZE OF LOSS. If there is a disagreement about the amount of the loss, either the Insured or the Insurer can make a written demand for an appraisal. After the demand, the Insured and the Insurer will each select their own competent appraiser. After examining the facts, each of the two appraisers will give an opinion on the amount of the loss. If they do not agree, they will select an arbitrator. Any figure agreed to by 2 of the 3 (the appraisers and the arbitrator) will be binding. The appraiser selected by the Insured is paid by the Insured. The Insurer will pay the appraiser they choose. The Insured will share equally with the Insurer 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. STATE EXCEPTIONSILLINOIS RESIDENTS:The following definitions are revised: "Accidental Injury" means Bodily Injury caused by an accident being the direct and independent cause in the loss. "Bodily Injury" means identifiable physical injury which:
"Intoxication" is that which is defined by the laws of the state where the loss or cause of loss was incurred. The following sections are added to General Provisions: INSURANCE WITH OTHER COMPANIES. If there is other valid coverage, not with this company, providing benefits for the same loss on other than an expense-incurred basis and of which this company has not been given written notice prior to the occurrence or commencement of loss, the only ability for such benefits under this policy shall be for such proportion of the indemnities otherwise provided hereunder for such loss as the like indemnities of which the company had notice (including the indemnities under this policy) bear to the total amount of all like indemnities for such loss, and for the return of such portion of the premium paid as shall exceed the pro-rata portion for the indemnities thus determined. ARBITRATION. An arbitration provision is not a substitute for a person's right to maintain a legal action if they so desire; and in no way affects or limits a person's ability to take legal action in a court of law, prior to voluntarily agreeing to enter into an arbitration proceeding. Any controversy or claim arising out of or relating to this contract, or the breach thereof, may be settled by arbitration.The arbitration will be conducted pursuant to the applicable rules of the American Arbitration Association and in accordance with the Uniform Arbitration Act within reasonable time limit (30 days after the parties agree to arbitrate their dispute is a reasonable time limit for selecting and appointing independent arbitrators, 15 days is a reasonable time limit for an expedited review provision).The arbitration may be binding on both parties, but in all instances must be entered into on a voluntary basis. Arbitrators must be fair impartial, and free of any conflicts of interest or the appearance of a conflict of interest. By voluntarily agreeing to enter into an arbitration proceeding, the parties should be aware and understand that they may be giving up certain rights to have their dispute settled in an by a court of law, except to the extent that Illinois law may provide for judicial review of arbitration proceedings. TIME PAYMENT OF CLAIMS. Claims payable under this policy shall begin to be paid in period payments no later than the 30th day after the Insured received notice of a health care selection. All subsequent payments will be made in accordance with the monthly periodic cycle. Failure to pay within such period shall entitle the payee to interest at the rate of 9% per annum from the 30th day after receipt of such proof of loss to the date of late payment, provided that interest amounting to less than one dollar need not be paid.Any required interest payments shall be made within 30 days after the payment. Exclusion (4) shall read: "War, invasion, hostilities between nations (whether declared or not), civil war;" KANSAS RESIDENTS: The Subrogation provision does not apply to medical, surgical, hospital, or funeral expenses. Excess Insurance limitation is revised as follows: "The company's liability for benefits payable on account of expense incurred, for any hospitalization, medical surgical, and other services resulting from covered Injury of the Covered Person, shall be limited to that part of the expense, if any, which is in excess of the total benefits payable for the same loss, on a provision of service basis or on an expense incurred basis under any medical or service contract, self-funded plan, automobile medical payment coverage, or any plan under federal, state, or local law (except Medicaid). If one or more of the other policies, plans or service contracts provide benefits on an excess insurance or an excess coverage basis, benefits should be paid first by the company or service plan whose policy or service contract has been in effect for the longer period of time at date of such loss." Legal Actions is revised as follows: "No legal action for a claim can be brought against us more than five (5) years after the time required for giving proof of loss." A Claim Forms provision was added: "The Company, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, the character and the extent to the loss for which claim is made." A Time of Payment of Claims provision was added to the policy: "Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for loss for which this policy provides periodic payment will be paid monthly, and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof." A definition of "Usual, Customary, and Reasonable" was added to the Policy: "charges commonly used by Physicians in the locality in which care is furnished, as determined by the Administrator's database (Ingenix, Medicaid, other) and updated at least every 6 months." MARYLAND RESIDENTS:If this policy is financed by a premium finance company and we (the insurer) or the premium finance company or the first-named insured cancels the policy, the refund will be pro rata excluding any expense constant, administrative fee, or nonrefundable charge filed with and approved by the insurance commissioner.Legal Actions provision in the policy was revised to provide 3 years (not 2) for an insured to file a legal action against the insurance company. The Cancellation and Nonrenewal provision in the policy is revised to provide at least 45 days notice of cancellation by the company for any reason other than non-payment of premium.The provision is also revised to state that "All notices will be sent to the insured by certificate of mailing." MISSOURI RESIDENTS:"Bodily Injury" means identifiable physical injury which:
NEW YORK RESIDENTS:"Domestic Partner" means a person who has registered as a domestic partner in a municipality that requires such registration or has provided Us with a signed and notarized Affidavit of Partnership in municipality that do not require such registration. The Affidavit will attest to the following:
The following exclusions are deleted:
OREGON RESIDENTS:Trip Cancellation (c) is revised to read as follows: "A politically motivated Terrorist Attack outside the United States unless You deliberately traveled to such destination after the United States Government issued a `do not travel' advisory for such destination."Trip Interruption (c) is revised to read as follows: If there is a politically motivated Terrorist Attack in the city of Your program; coverage is provided for the cost of an economy one-way coach ticket not to exceed $250, for the additional transportation required returning the Covered Person back to the city of departure. Once the program has begun, there is no provision for recovery of transportation, tuition, room and board, or other fees; Exclusion #4 Is revised to read: "War or act of war (whether declared or not);" The following General Provisions sections are deleted: Records, Clerical Errors, Contesting This Policy, Legal Actions, Controlling Law, Cancellation and Non-Renewal, Policy Term, Premium, Amount of Premium, Mode of Premium, Premium Rate Change, and Claims. The following General Provisions sections have been revised: MISREPRESENTATION AND FRAUD. All statements and descriptions in any enrollment form for this Policy by or in behalf of You or any other Insured, shall be deemed to be representations and not warranties. Misrepresentations, omissions, concealments of facts, and incorrect statements shall not prevent a recovery under the Policy unless the misrepresentations, omissions, concealments of facts, and incorrect statements:
NOTICE OF CLAIM: Written notice of claim must be given by the Claimant (either You or someone acting on Your behalf) to the Insurer or its designated representative within fifteen (15) days after a covered loss first begins or as soon as reasonably possible. Notice should include Your name and the Plan Number. Notice should be sent to the Insurer's administrative office, at the address shown on the cover page of the Policy, or to the Insurer's designated representative. DISAGREEMENT OVER SIZE OF LOSS: If there is a disagreement about the amount of the loss, either You or the Insurer can make a written demand for an appraisal. Such request for appraisal will be by mutual consent and take place in Oregon according to Oregon law.After the demand,You and the Insurer will each select Your own competent appraiser. After examining the facts, each of the two appraisers will give an opinion on the amount of the loss. If they do not agree, they will select an arbitrator. Any figure agreed to by 2 of the 3 (the appraisers and the arbitrator) will be binding. You pay for the appraiser selected by You.The Insurer will pay the appraiser they choose. You will share equally with the Insurer the cost for the arbitrator and the appraisal process. TEXAS RESIDENTS:The Legal Actions provision is revised to permit suits against the insurers within 2 years and one day after the loss.The Cancellation and Nonrenewal provision is revised so that it states "The Insurer cannot cancel or refuse to renew a policy or contract of insurance based solely on the fact that the policyholder in question is an elected official." The following definitions are revised as follows: "Pre-Existing Condition" means any injury, sickness, or condition of the Insured, Traveling Companion, and the Insured's and/or Traveling Companion's Family Member for which within the sixty (60)-day period prior to the effective date under this Policy required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription or required medical treatment or treatment was recommended by a Physician. The Pre-Existing Conditions exclusion is waived if the Insured enrolls in this Policy at the time the Insured pays the deposit required for their Trip (or within 15 days of the initial deposit) and the Insured purchases this Policy for the full cost of their Trip. "Physician" means a licensed practitioner of medical, surgical, the healing arts, or dental services acting within the scope of his/her license. The treating Physician may not be the Insured, a Traveling Companion, or a Family Member. Plan is designed by Travel Guard International. This Insurance, under Policy #AIC-TRVL-P (2/03) is underwritten by: Arch Insurance Company, One Liberty Plaza, New York, NY 10006. Policy terms and conditions are briefly outlined in this Description of Coverage. Complete provisions pertaining to this insurance are contained in the Master Policy on file with American Group Travel Trust, BankNewport as Trustee. The use of a Trustee is not permitted In Kansas or New York. In the event of any conflict between this Description of Coverage and the Master Policy, the Policy will govern. Arch Insurance Company |