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Travel Guard Essential Expandedschedule of benefitsNot available to Washington Residents. PRE-EXISTING MEDICAL condition exclusion:The Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of you, traveling companion, business partner or Immediate Family Member which, within the 180 day period immediately preceding and including your coverage effective date:
Continental USA..........1.800.826.1300 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 - Blanket Travel Accident InsuranceThis document describes the benefits and basic provisions of the Policy. Read it with care. The Policy is the only contract under which benefits are paid.PLEASE READ this DOCUMENT CAREFULLY!Insurance CoverageUnderwritten by National Union Fire Insurance Company of Pittsburgh, PA, NAIC No. 19445, a member of the AIG Companies® with their principal place of business at 70 Pine Street, New York, NY 10270 and currently authorized to transact business in all states and the District of Columbia. This is only a brief description of the insurance coverage(s) available under policy series T30253NUFIC; (in NC: 52735MO, in NY: 52735). The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern. - Coverage may not be available in all states. -Definitions"Actual Cash Value" means purchase price less depreciation."Baggage" means luggage and personal possessions, whether owned, borrowed, or rented, taken by the Insured on the Trip. "Business Partner" means an individual who:
"Complication of Pregnancy" means a condition whose diagnosis is distinct from pregnancy but adversely affected or caused by pregnancy. It does not include any condition associated with the management of a difficult pregnancy not consisting of a classifiable distinct Complication of Pregnancy. "Deductible" means the amount of charges that must be incurred by the Insured before benefits become payable. The amount of the Deductible is the Deductible shown in the Schedule of Benefits for each coverage to which a Deductible applies. "Destination" means the place where the Insured expects to travel on his/her Trip, as shown on the Enrollment Form. "Domestic Partner" means an opposite or a same-sex partner who is at least 18 years of age and has met all of the following requirements for at least 6 months:
"Exotic Vehicle" means any vehicle with an original manufacturer's suggested retail price greater than $50,000 and antique cars meaning cars that are over 20 years old or have not been manufactured for 10 or more years. "Experimental or Investigative" means treatment, a device or prescription medication which is recommended by a Physician, but is not considered by the medical community as a whole to be safe and effective for the condition for which the treatment, device, or prescription medication is being used, including any treatment, procedure, facility, equipment, drugs, drug usage, devices, or supplies not recognized as accepted medical practice, and any of those items requiring federal or other governmental agency approval not received at the time services are rendered. "Financial Default" means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline provided the Financial Default occurs more than 14 days following an Insured's effective date for the Trip Cancellation Benefits. There is no coverage for the Financial Default of any person, organization, agency or firm from whom you purchased travel arrangements supplied by others. "Hospital" means a facility that:
"Inclement Weather" means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier. With respect to an Insured who is traveling via private/non-commercial automobile transportation, any severe weather condition which prevents an Insured from reaching the Destination. "Injury" means a bodily injury caused by an accident occurring while the Insured's coverage under the Policy is in force, and resulting directly and independently of all other causes of loss covered by the Policy. The Injury must be verified by a Physician. "Insured" means the person(s) named on the individual Enrollment Form and for whom the plan cost has been paid. "Insurer" means National Union Fire Insurance Company of Pittsburgh, PA. "Medically Necessary" means that a treatment, service, or supply:
"Physician" means a licensed practitioner of the healing arts including accredited Christian Science Practitioners, acting within the scope of his/her license. The treating Physician may not be the Insured, Immediate Family Member, or a Traveling Companion. "Reasonable Additional Expenses" means any expenses for meals, taxi fares, essential telephone calls, and lodging which were necessarily incurred as the result of a Trip Delay and which are not provided by the Common Carrier or any other party free of charge. "Reasonable and Customary Charges" means an expense which:
"Sickness" means an illness or disease diagnosed or treated by a Physician. "Strike" means a stoppage of work
"Terrorist Incident" means an act of violence, other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government. "Traveling Companion" means a person or persons with whom you have coordinated travel arrangements and intend to travel with during the Trip. A group or tour leader is not considered a Traveling Companion, unless you are sharing room accommodations with the group or tour leader. "Trip" means a period of travel away from home to a Destination outside the Insured's city of residence; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and return dates specified when the Insured applies; the Trip does not exceed 365 days; travel is primarily by Common Carrier and only incidentally by private conveyance. "Unforeseen" means not anticipated or expected and occurring after the effective date of the policy. "Uninhabitable" means
INDIVIDUAL Eligibility, Effective & Termination DatesPersons eligible for insurance under the policy are any traveler(s) who purchases his/her insurance through or from a properly licensed agent/agency located in the U.S., who enrolls for coverage and pays the plan cost, providing he/she has not already departed on his/her Trip.Effective Date: Trip Cancellation Benefit will be effective 12:01 a.m. Standard Time on the date after becoming enrolled and plan cost is paid. All other coverages will begin on the later of:
All other coverage ends on the earlier of:
In addition to any exclusions which apply to a particular benefit (called "Additional Exclusions"), the policy does not cover any loss caused by:
EXCESS INSURANCE LIMITATIONThe insurance provided for all coverages except Trip Cancellation, Trip Interruption, and Car Rental Collision Coverage shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any loss payable under the Policy there is other valid and collectible insurance or indemnity in place, the Insurer shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.Trip Cancellation and InterruptionThe Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances:
The Insured must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows the Trip is going to be cancelled or interrupted. Failure to do so may affect coverage. In addition to the General Exclusions, coverage is not provided for losses caused by or as a result of:
Trip DelayThe Insurer will reimburse up to $100 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured's Trip is delayed for more than 12 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Trip Delay must be caused by:
LOSS OF BAGGAGE and PERSONAL EFFECTSThe Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits minus a $50 Deductible (Deductible does not apply if Umbrella Package is purchased) for loss, theft, or damage to the Insured's Baggage and travel documents during the Insured's Trip.Continuation of Coverage: If the Insured has checked his or her property with a Common Carrier, and delivery is delayed, coverage for Baggage and travel documents will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay Property Not Covered: The Insurer will not pay for damage or loss of:
Excess Insurance Limitation applies. Baggage DelayThe Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured's Baggage is delayed or misdirected for more than 24 hours from the time the Insured arrives at the Destination (other than the Insured's Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased. Medical Expense Benefit The Insurer will reimburse or pay the Reasonable and Customary Charges for Medically Necessary Covered Expenses incurred by the Insured due to an Injury or Sickness within one year from the date of Injury or Sickness provided initial treatment was received during the Trip after satisfaction of a $50 Deductible (Deductible does not apply if Umbrella Package is purchased) up to the Maximum Limit shown in the Schedule of Benefits. Covered Expenses: Means charges incurred for any of the following services, supplies or treatments:
Additional Exclusions: In addition to the General Exclusions, coverage is not provided for:
Emergency Medical Transportation: The Insurer will pay up to the Maximum Limit shown on the Schedule of Benefits for Covered Emergency Evacuation Expenses incurred if the Insured suffers an Injury or emergency Sickness that warrants his or her emergency evacuation while on a Trip provided a Physician has ordered the emergency evacuation and has certified that the severity of the Insured's Injury or emergency Sickness warrants such evacuation. Covered Emergency Evacuation Expenses:
Payment of Loss: AIG Travel Assist must make all arrangements and authorize all expenses in advance for Emergency Evacuation or Repatriation of Remains benefits to be payable. The Insurer reserves the right to determine the benefit payable, including any reductions if it was not reasonably possible to contact AIG Travel Assist in advance. Additional Benefit: In addition to the above covered expenses, if the Insurer has previously evacuated an Insured to a medical facility, the Insurer will pay his/her airfare costs from that facility to the Insured's Return Destination, within one year from the Insured's original return date, less refunds from the Insured's unused transportation tickets. Airfare costs will be economy, or first class if the Insured's original tickets are first class. Limitations:
Additional Exclusion: In addition to the General Exclusions, the Insurer will not pay for loss caused by or resulting from Sickness or disease of any kind. Optional Flight Guard - Flight Accident BenefitThe Insurer will pay the percentage shown below if an Insured suffers an Injury which results in one of the losses listed below:
If the Insured suffers more than one Loss from an accident, the Insurer will pay only for the loss with the larger benefit. The Insurer will not pay more than 100% of the Maximum Limit for all losses due to the same accident Loss of a hand or foot means actual severance through or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight in that eye. "Scheduled Air Carrier" means any air carrier holding a certificate, license, or similar authorization for civilian-scheduled air transport issued by the country of the aircraft's registry, and which in accordance with that authorization flies, maintains, and publishes schedules and tariffs for regular passenger service between named cities at regular and specified times, but only if the aircraft is then being used for any regular or chartered flight operated by such carrier.Optional Car Rental Collision CoverageCoverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible:
Additional Exclusions: In addition to the General Exclusions, coverage is not provided for loss due to:
Claim Procedures: Notice of Claim: The Insured must call AIG Travel Guard as soon as reasonably possible, and be prepared with what coverage the loss was under (i.e., Medical Expenses), the name of the company that arranged the Trip (i.e., tour operator, cruise line, or charter operator), the Trip dates, and the amount that the Insured paid. AIG Travel Guard will fill in the claim form and forward it to the Insured for his or her review and signature. The completed form should be returned to AIG Travel Guard Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin 54481 (1.800.826.1300). All claims of California residents will be administered by Mercury Claims Administrator Services, LLC. All accident, health, and life claims will be administered by Mercury Claims & Assistance of WI, LLC, in those states where it is licensed. Claim Procedures: Proof of Loss: The claim forms must be sent back to Insurer no more than 90 days after a covered loss occurs. Failure to furnish proof within the time required neither invalidates nor reduces any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity of the claimant, no later than one year after the proof of loss is otherwise required. If Insurer has not provided claim forms within 15 days after the notice of claim, other proofs of loss should be sent to Insurer by the date proof of loss would be due. The proof of loss should include written proof of the occurrence, type and amount of loss, the Insured's name, the participating organization name, and the policy number. Payment of Claims: To Whom Paid: Benefits paid on account of an Insured's death will be paid to:
If a benefit is payable to a minor or other person who is incapable of giving a valid release for payment, the payment will be made to the legal guardian of the payee's property. If the payee has no legal guardian for his or her property, the Insurer may pay up to $1,000 at the Insurer's option, to a relative by blood or connection by marriage who, in the Company's opinion, has assumed care or custody of the minor or responsibility for the incompetent person's affairs. Any payment Insurer makes in good faith fully discharges Insurer to the extent of that payment. All other benefits will be payable to the Insured. Payment of Claims: When Paid: Claims will be paid as soon as Insurer receives complete proof of loss (and verification of age).Misstatement of Age: (Not applicable to FL Residents) If premiums for the Insured are based on age and the Insured has misstated his or her age, there will be a fair adjustment of premiums based on his or her true age. Payment of Claims: To Whom Paid: Benefits for Medical Expense/Emergency Medical Transportation services may be payable directly to the provider of the services. However, the provider:
Problems with the insurance? If so, do not hesitate to contact AIG Travel Guard to resolve your problem at 1145 Clark Street, Stevens Point, WI 54481, or call 1.800.826.1300. General ProvisionsAutopsy - The Insurer at its own expense, may require an autopsy where permitted by law. Concealment or Fraud - The Insurer does not provide coverage for the Insured if the Insured has intentionally concealed or misrepresented any material fact or circumstance relating to the Insured's coverage or claim. Insurer's Recovery Rights - In the event of a payment under the policy, the Insurer is entitled to all rights of recovery that the Insured, or the person to whom payment was made, has against another. The Insured must sign and deliver to the Insurer any legal papers relating to that recovery, do whatever is necessary to help the Insurer exercise those rights, and do nothing after the loss to harm the Insurer's rights. When an Insured has been paid benefits under the policy but also recovers from another policy, the amount recovered from the other policy shall be held in trust for the Insurer by the Insured and reimbursed to the Insurer the extent of the Insurer's payment. This provision does not apply where prohibited by law. Legal Actions - No one may sue for benefits less than 60 days after due proof of loss is submitted, nor more than 3 years (or the minimum period of time permitted by state law, if greater, in FL 5 years) after the date claim forms are due. Payment of Premium - Coverage is not effective unless all premium due has been paid to AIG Travel Guard prior to a date of loss or insured occurrence. Termination of the Policy - Termination of the policy will not affect a claim for loss which occurs while the Insured's coverage is in force. Transfer of Coverage - Coverage under the policy cannot be transferred by the Insured to anyone else. Notice to California residents: The plan contains disability insurance benefits or health insurance benefits, or both, that only apply during your covered Trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan. Notice to Florida residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida. Notice: Your homeowners policy, if any, may provide coverage for loss of personal effects provided by any Baggage/Personal Effects coverage provided by the policy. This insurance is not required in connection with the Insured's purchase of travel tickets. The definition of "Hospital" applicable to residents of Florida includes a facility that is accredited by the Joint Commission on the Accreditation of Hospitals, the American Osteopathic Association, or the Commission on the Accreditation of Rehabilitative Facilities. For inquiries, information about coverage or for assistance in resolving complaints call: 1.800.826.1300. Notice to Texas residents: The policy may provide a duplication of coverage already provided by the Insured's personal auto insurance, homeowner's, personal liability policy, or other source of coverage. AIG Travel AssistAll AIG Travel Assist services provided are services, and are not insurance benefits and are not provided by the Insurer. 24-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, AIG Travel Assist 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, AIG Travel Assist 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 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 - AIG Travel Assist will help retrieve, report, and reissue lost or stolen travel documents. Emergency Cash Transfer - AIG Travel Assist 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: AIG Travel Assist will provide emergency language support or referral to the appropriate local services. 24-hour LiveTravel® Assistance Provides 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
CONCIERGE SERVICESRestaurant Referrals and Reservations - AIG Travel Assist will supply a restaurant referral based on your needs and desires. Additionally AIG Travel Assist will arrange for reservations at the recommended restaurant. Based on availability.Ground Transportation - AIG Travel Assist will locate and arrange for a transportation service to pick you up and deliver you to your desired destination. Event Ticketing - AIG Travel Assist will assist with the purchase of tickets to such events as sporting events, theatre, and concerts. Based on availability. Tee Times and Course Recommendations - AIG Travel Assist will facilitate the reservation of tee times at available courses and recommend alternatives in case of a booked course. Based on availability. Floral Services - AIG Travel Assist will facilitate the ordering of flowers for such events as birthdays, anniversaries, holidays, and other special occasions. Non-insurance services are provided by AIG Travel Assist. Make sure you call AIG Travel Assist (1.800.826.1300 or collect 1.715.345.0505) before you seek medical care while traveling. Where available, we can arrange direct payment to a member of our Preferred medical network, saving you the time and paperwork associated with reimbursement of medical expenses. Our assistance coordinators also can help you locate the nearest and most appropriate medical provider, monitor your care, and provide updates to your family and/or employer. Travel to sanctioned countries Federal law prohibits unlicensed travel to sanctioned countries by U.S. citizens and permanent residents. Therefore, any expenses incurred or claims made related to travel to a sanctioned country are not covered under this plan, unless the insured is traveling under a license issued by the U.S. Department of Treasury Office of Foreign Asset Control. For more information on these sanctions, please review the Office of Foreign Asset Control internet website at : www.treas.gov/offices/enforcement/ofac/ Satisfaction Guaranteed - AIG 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 cost, minus the service fee. Requests must be submitted to AIG Travel Guard in writing within 15 days of the effective date of the coverage, provided it is not past the original departure date. When calling from the U.S., 1.800.826.1300. When calling from abroad, call collect 1.715.345.0505. LiveTravel 24-Hour Assistance, Pre-Trip Advice, Live Messaging: 1.800.826.8597 We will coordinate your assistance needs with the appropriate TGA Center. 308838-CT P1 3/07 AIG TRAVEL GUARD 4/07 |