$99 PER PERSON (Tour Value Under $1999)
$139 PER PERSON (Tour Value Above $2000)
Trip Cancellation and Interruption
Travel Delay
Baggage & Travel Documents
Baggage Delay
Medical Expense
Emergency Medical Transportation
Accidental Death and Dismemberment
TRAVEL GUARD Assistance
$139 PER PERSON
We strongly recommend the purchase of the travel protection plan in order to protect you and your investment before and
during your trip. The above insurance premium is not included in your fare.
Insurance is by INSURE AMERICA
DESCRIPTION OF COVERAGE
Schedule of Benefits
Trip Cost Trip Cancellation & Interruption
$ 500 Travel Delay ($100 maximum per day)
$ 1,000 Baggage & Personal Effects
$ 100 Baggage Delay
$ 10,000 Medical Expense
$ 20,000 Emergency Medical Transportation
$ 25,000 Accidental Death & Dismemberment
Included TRAVEL GUARD® Assist
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
If insurance is purchased within 24 hours of initial Trip payment, the Pre-Existing Medical Condition Exclusion will be waived. This
is applicable to all coverages contained in the policy. The Insured must be medically able to travel when you pay your premium.
In the event a claim is filed, the Injury or illness must be substantiated to our Claims Department.
IMPORTANT — Exclusions apply to certain medical conditions.
- Coverage is valid only if premium has been paid -
PRODUCT NUMBER: 007453-P1 12/00
In the event of a claim, please refer to the above Product Number.
For coverage questions or to request a claim form, call toll-free 1.866.385.4839.
For emergency help while on your Trip, see the information and phone numbers on the reverse side.
Blanket Travel Accident Insurance
This document describes the benefits and basic provisions of the policy. You should read it
with care so you will understand the coverage. The policy is the only contract under which benefits are paid.
PLEASE READ THIS DOCUMENT CAREFULLY!
Insurance Coverage
Underwritten by the National Union Fire Insurance Company of Pittsburgh, PA, a member of AIG Companies, with its principal
place of business at 70 Pine Street, New York, New York 10270. It is currently authorized to transact business in all states and
the District of Columbia. NAIC No. 19445.
This is only a brief description of the insurance coverage(s) available under policy series T30253NUFIC. 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.
Definitions
“Baggage” means luggage and personal possessions, whether owned, borrowed, or rented, taken by the Insured on the Trip.
“Business Partner” means an individual who a) is involved with the Insured or the Insured’s Traveling Companion in a legal
partnership; and b)is actively involved in the daily management of the business.
“Common Carrier” means any conveyance operated under a license for the transportation of passengers for hire.
“Complication of Pregnancy” means a condition in which the 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 classifiably distinct Complication of Pregnancy.
“Contracted Departure Date” means the date on which the Insured is originally scheduled to leave on his/her Trip.
“Contracted Return Date” means the date on which the Insured is scheduled to return to the point where the Trip started, or to a
different specified Return Destination.
“Default” means any failure of a provider of travel-related services (including any tour operator) to provide the bargained-for
travel services or to refund money due the Insured.
“Destination” means the place where the Insured expects to travel on his/her Trip.
“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.
“Hospital” means a place that: (a) holds a valid license; (b) is run mainly for the care and treatment of sick or injured persons as
inpatients; (c) has a staff of one or more Physicians available at all times; (d) provides 24-hour nursing service and has at least
one registered nurse on duty at all times; (e) has organized diagnostic and surgical facilities, either on the premises or on a
contract basis with another Hospital; and (f) is not mainly a clinic, or facility for nursing, rest or convalescence, or a place for the
aged.
“Immediate Family Member” means a person’s spouse, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother,
father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt,
uncle, niece, nephew, legal guardian, or legal ward.
“Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
“Injury” means a bodily Injury caused by an accident occurring while this Policy is in force as to the Insured whose Injury is the
basis of a claim, and resulting directly and independently of all other causes of loss covered by this Policy. The Injury must be
verified by a Physician.
“Insured” means the person named on the individual Enrollment Form.
“Insurer” means National Union Fire Insurance Company of Pittsburgh, PA.
“Medically Necessary” means that a treatment, service or supply: (1) is essential for diagnosis, treatment, or care of the Injury or
Sickness for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; (3) is ordered by a
Physician and performed under his or her care, supervision, or order; and (4) is not primarily for the convenience of the Insured,
Physician, other providers, or any other person.
“Natural Disaster” means a flood, hurricane, tornado, earthquake, or blizzard that is due to natural causes.
“Physician” means a licensed practitioner of the healing arts, acting within the scope of his/her license. The treating Physician
may not be the Insured, Immediate Family Member of the Insured or the Insured’s spouse, a Traveling Companion or Business
Partner.
“Reasonable Additional Expenses” means any expenses for meals and lodging which were necessarily incurred as the result of
a Trip Interruption or Travel 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: (a) is charged for treatment, supplies or medical services
Medically Necessary to treat the Insured’s condition; (b) does not exceed the usual level of charges for similar treatment,
supplies, or medical services in the locality where the expense is incurred; and (c) does not include charges that would not have
been made if no insurance existed. In no event will the Reasonable and Customary Charges exceed the actual amount charged.
“Return Destination” means the place to which the Insured expects to return from his/her Trip.
“Sickness” means an illness or disease which requires treatment by a Physician.
“Strike” means a stoppage of work (a) announced, organized, and sanctioned by a labor union and (b) which interferes with the
normal departure and arrival of a Common Carrier. Included in the definition of Strike are work slowdowns and sickouts.
“Travel Agent” means the Travel Agent, tour operator, or other entity from which the Insured purchases his/her coverage or
travel arrangements, and includes all officers, employees, and affiliates of the Travel Agent or tour operator.
“Travel Supplier” means the tour operator, hotel, cruise line, and/or airline that: (1) provides pre-paid travel arrangements for
the Insured's Trip; and (2) is named in the master application.
“Traveling Companion” means a person or persons with whom the Insured has coordinated travel arrangements and intend to
travel with during the Trip. A group or tour leader is not considered a Traveling Companion, unless the Insured is sharing room
accommodations with the group or tour leader.
“Trip” means a period of round-Trip 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 180 days; and the Insured’s Destination is not to
another home; travel is primarily by Common Carrier and only incidentally by private conveyance.
"Individual Eligibility, Effective & Termination Dates" Persons eligible for insurance under the policy are any travelers who
purchase coverage through the Travel Supplier, accepts, enrolls and pays the premium for coverage providing they have not
already departed on their Trip.
Effective Date: Trip Cancellation benefit will be effective at 12:01 a.m. on the day after the premium is paid to the Travel Agent.
All other coverages will begin on the later of: (a) the date and time the Insured starts his/her Trip, or (b) the scheduled
Contracted Departure Date shown on the enrollment form.
Termination Date: All coverage ends on the earliest of: (a) the date the Trip is completed; (b) the scheduled Contracted
Return Date; (c) the Insured’s arrival at the Return Destination on a round Trip, or the Destination on a one-way Trip; or (d)
cancellation of the Trip covered by the policy. The policy covers Trips up to 180 days in length.
Extension of Coverage: All coverage under the policy will be extended, if: (a) the Insured’s entire Trip is covered by the policy;
and (b) the Insured’s return is delayed by unforeseeable circumstances beyond his/her control. If coverage is extended for the
above reasons, coverage will end on the earlier of: (a) the date the Insured reaches his/her Return Destination; or
(b) seven (7) days after the date the Trip was scheduled to be completed.
General Exclusions
These exclusions apply to all benefits. In addition to any exclusions which apply to a particular benefit (called “Additional
Exclusions”), the policy does not cover loss caused by: (a) suicide, or attempted suicide, or intentionally self-inflicted Injury or
any attempt at intentionally self-inflicted Injury by the Insured, Immediate Family Member, Traveling Companion or Business
Partner (while sane, in Colorado and Missouri); (b) pregnancy or childbirth, or elective abortion, other than Complications of
Pregnancy; (c) professional athletic events, motor sport, or motor racing, including training or practice for the same; (d)
mountain climbing; (e) war or act of war, whether declared or not, civil commotion, insurrection or riot; (f) military duty or service;
(g) operating or learning to operate any aircraft, as student, pilot or crew; (h) air travel on any air-supported device, other than a
regularly scheduled airline or air charter company; (i) loss or damage caused by detention, confiscation, or destruction by
customs; (j) any unlawful acts, committed by the Insured, a Traveling Companion, or an Immediate Family Member,
whether insured or not; (k) mental, psychological, or nervous disorders including, but not limited to, anxiety, depression,
neurosis, or psychosis; (l) if the Insured’s tickets do not contain specific travel dates (open tickets); (m) alcohol or substance
abuse or treatment for same; (n) medical treatment during or arising from a Trip undertaken for the purpose or intent of
securing medical treatment or traveling expressly for the purpose of obtaining medical treatment; (o) elective or non-emergency
treatment or surgery, except for any necessary treatment or surgery due to covered Injury; (p) Experimental or Investigative
treatment or procedures; or (q) an Injury or Sickness which occurs at a time when this coverage is not in effect.
PRE-EXISTING MEDICAL CONDITION EXCLUSION APPLICABLE TO ALL COVERAGES
The Insurer will not pay for loss or expense incurred as the result of an Injury, Sickness or other condition of the Insured, a
Traveling Companion, or an Immediate Family Member of the Insured or Traveling Companion which, within the 60 day period
before the Insured's coverage began: (a) first manifested itself, worsened, became acute, or had symptoms which would have
prompted a reasonable person to seek diagnosis, care or treatment; (b) 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 (c) required treatment by a Physician or treatment had been recommended by a Physician.
MAXIMUM LIMIT OF LIABILITY: All limits are applied per Trip. The Insurer’s maximum limit of liability resulting from the same
occurrence will be $10,000,000 under the Travel Guard Policies Underwritten by National Union. If loss for all Insureds from such
an occurrence exceeds $10,000,000, the Insurer will pay each Insured that proportion of the Benefits stated which $10,000,000
bears to the total loss of all persons the Insurer insures under all travel and flight insurance in force, under the Travel Guard
Policies Underwritten by National Union. The Insurer will pay no more than $250,000 per occurrence, under the Travel Guard
Policies Underwritten by National Union, to or on account of any person insured under the Travel Guard Policies Underwritten by
National Union.
Trip Cancellation and Interruption
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits if a Trip is canceled or interrupted
due to any of the following unforeseen reasons: (a) Sickness, Injury, or death of an Insured, Immediate Family Member,
Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be delayed,
canceled, or interrupted; (b) Inclement Weather conditions causing delay or cancellation of travel; (c) the Insured’s principal
residence being made uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary; (d) the Insured being
subpoenaed, required to serve on jury duty, hijacked, or quarantined; (e) being involved in or delayed due to an automobile
accident en route to departure; (f) Strike, resulting in the complete cessation of travel services at the point of departure or
Destination. This coverage does not cover loss caused by: (i) carrier-caused delays including an announced, organized,
sanctioned labor union Strike that affects public transportation, unless the Insured’s coverage effective date is prior to when the
Strike is foreseeable. A Strike is foreseeable on the date labor union members vote to approve a Strike; (ii) travel arrangements
canceled or changed by an airline, cruise line, or tour operator, unless the cancellation is the result of a Natural Disaster; (iii)
changes in plans by the Insured, an Immediate Family Member, or Traveling Companion, for any reason; (iv) financial
circumstances of the Insured, an Immediate Family Member, or a Traveling Companion; (v) any business or contractual
obligations of the Insured, an Immediate Family Member or a Traveling Companion; (vi) Default by the person, agency, or tour
operator from whom the Insured bought his/her coverage or purchased his/her travel arrangements; (vii) any government
regulation or prohibition; (viii) an event or circumstance which occurs prior to the Insured’s coverage effective date.
Trip Cancellation Benefits: The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits for Trips
that are delayed or canceled before the scheduled Contracted Departure Date. The Insurer will pay forfeited, non-refundable,
unused prepaid payments or deposits if the Insured’s Trip is canceled due to the reasons shown at the beginning of this section.
The Insurer will pay the Insured’s additional cost as a result of a change in the per-person occupancy rate for prepaid travel
arrangements if a Traveling Companion’s Trip is canceled due to reasons shown at the beginning of this section, and the
Insured’s Trip is not canceled.
Trip Interruption Benefits: The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits for
Trips that have been interrupted or delayed, due to the reasons shown at the beginning of this section. The Insurer will pay for
the following: (a) unused prepaid payments or deposits for the Insured’s Trip if the Insured’s Trip is interrupted; or (b) additional
transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left
the Trip to the place that the Insured may rejoin the Trip; (c) additional transportation expenses incurred by the Insured to reach
the original Trip Destination if the Insured is delayed, and leaves after the Contracted Departure Date. However, the benefit
payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured’s original tickets were
first class) by the most direct route, less any refunds paid or payable; (d) the Insured’s additional cost as a result of a change in
the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted, and the
Insured’s Trip is continued.
Travel Delay
The 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 12 or more 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. Travel Delay must be caused by: (a)
carrier delay; or (b) lost or stolen passport, travel documents, or money; or (c) quarantine; or (d) Natural Disaster; or (e) Injury
or Sickness of the Insured or Traveling Companion.
Loss of Baggage and Personal Effects
The Insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will pay for loss, theft, or
damage to the Insured’s Baggage, passports, and visas during the Insured’s Trip. The Insurer will also pay for loss due to
unauthorized use of the Insured’s credit cards, if the Insured has complied with all credit card conditions imposed by the credit
card companies.
Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a charter or Common Carrier,
and delivery is delayed, this coverage 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: (a) animals; (b) property used in trade, business, or for
the production of income; (c) motor vehicles, aircraft, and other conveyances; (d) artificial limbs, false teeth, any type of
eyeglasses, sunglasses, contact lenses, or hearing aids; (e) tickets, except for administrative fees required to reissue tickets; (f)
money, stamps, stocks and bonds, postal or money orders; (g) property shipped as freight, or shipped prior to the Contracted
Departure Date; (h) credit cards, except as noted above; (i) contraband.
Special Limitation: The Insurer will not pay more than $500 for the first item and, thereafter, no more than $250 per item up to
the limit of coverage as shown in the Schedule of Benefits. Items over $150 should be accompanied by original receipts. If
receipts are not provided, benefits may be reduced.
Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay this benefit for loss due to: (a) defective
materials or craftsmanship; or (b) normal wear and tear; or (c) deterioration; or (d) rodents, animals, or insects.
Payment of Loss: The Insurer will pay, the lesser of, cash value (original cash value) less depreciation determined by the
Insurer or replacement. The Insurer will notify the Insured within 30 days after the Insurer receives his/her proof of loss. The
Insurer may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a loss to a pair or set of
items, the Insurer may at the Insurer’s option: (a) repair or replace any part to restore the pair or set to its value before the loss;
or (b) pay the difference between the value of the property before and after the loss.
Baggage Delay
The Insurer will reimburse incurred expenses up to the Maximum Limit shown on the Schedule of Benefits for Baggage which is
delayed or misdirected more than 24 hours for the cost of necessary personal effects. Incurred expenses must be accompanied
by receipts. This does not apply if Baggage is delayed after the Insured reaches his/her Return Destination.
Medical Expense Benefit
The Insurer will pay this benefit, up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will pay for medical
expenses incurred by the Insured within one year from the date of Injury or Sickness provided initial treatment was received
during the Trip. The Injury must occur or Sickness must begin while the Insured is covered by the policy.
Covered Expenses: The Insurer will pay the Insured’s Reasonable and Customary Charges for medical and surgical
expenses. The Insurer will pay emergency dental treatment only during a Trip. Dental coverage does not apply if treatment or
expenses are incurred after the Insured has reached his or her Destination, in the case of a one-way ticket, or Return
Destination regardless of the reason. The treatment must be given by a Physician or dentist. The Insurer will pay for
professional nursing, Hospital charges, X-ray, ambulance services, and prosthetic devices.
If the Insured is covered by any other group, blanket health, accident insurance, or assistance plan, and would, as a result,
receive total benefits in excess of the expenses actually incurred, the benefits will be reduced by such excess.
Additional Exclusions: In addition to the General Exclusions, coverage is not provided for: (a) routine physical examinations;
(b) replacement of hearing aids, eye glasses, contact lenses, sunglasses, and artificial teeth; (c) routine dental care; (d) any
service provided by the Insured, an Immediate Family Member or Traveling Companion.
Payment of Loss: The Insured must provide the Insurer with: (a) all medical bills and reports for medical expenses claimed; and
(b) a signed patient authorization to release medical information to the Insurer.
Make sure you call Travel Guard (1.866.385.4839 or 1.715.295.5452) 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.
Emergency Medical Transportation
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits. Mercury International will arrange
for emergency medical transportation services required by the Insured as the result of an Injury or emergency Sickness during a
Trip.
Covered Expenses: The Insurer will pay: (a) Reasonable and Customary Charges for medical services required for
evacuation to the nearest adequate medical facility or home if medically required. This service will be arranged only if the
Insured’s Physician determines that adequate medical treatment is not locally available; (b) up to $5,000 for reasonable and
necessary charges for escort expenses required by Insured, if the Insured is disabled during a Trip, and an escort is
recommended, in writing, by the attending Physician; (c) reasonable and necessary charges for services for transportation of
the Insured’s remains to his/her place of residence if he/she dies during a Trip. Services must be provided by a provider
designated by Mercury International.
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 Contracted 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. This benefit is available only if it is not provided under
another coverage in the policy.
Additional Exclusions: In addition to the General Exclusions, the Insurer also will not pay for services arranged without the
Insurer’s prior consent or approval. Timely notification by the Insured to the Insurer’s designated provider is required, with
regard to Emergency Evacuation.
Accidental Death and Dismemberment
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits if: (a) the Insured is Injured in an
accident which happens while he or she is on a Trip and covered under the Policy; and (b) he or she suffers one of the losses
listed below, within 180 days of the accident.
The Principal Sum is shown on the Schedule of Benefits.
Percentage of Loss: Principal Sum Payable
Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Both hands or feet, or sight of both eyes . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
One hand and one foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
One hand or one foot and sight of one eye . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Speech and Hearing in Both Ears . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
One hand . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
One foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
Sight of One Eye . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
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 principal sum for all losses due to the same accident.
Loss of a hand or foot means complete severance at or above the wrist or ankle joint.
Loss of sight of an eye means complete and irrecoverable
loss of speech or hearing means entire and irrecoverable loss of speech or hearing in both ears.
Disappearance: If the Insured’s body is not found within one year of the disappearance, forced landing, stranding, wrecking, or
sinking of a conveyance in which he/she was an occupant, he/she will be presumed dead.
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.
Payment of Claims
Claim Procedures: Notice of Claim: The Insured must call Travel Guard as soon as reasonably possible, and be prepared with
what coverage the loss was under (i.e., Medical Expense), 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. Travel Guard will complete the claim form
and send it to the Insured for his/her review/signature.
The completed form should be returned to Travel Guard Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin 54481
(Telephone: 1.715.295.5452 or 1.866.385.4839). 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 Travel Guard no more than 90 days after a covered loss
occurs or ends, or as soon after that as is reasonably possible. All claims under the coverage must be submitted to Travel
Guard no later than one year after the date of loss or insured occurrence or as soon as reasonably possible. If Travel Guard
has not provided claim forms within 15 days after the Notice of Claim, other proofs of loss should be sent to the Insurer by the
date claims forms would be due. The proof of loss should include written proof of the occurrence, type and amount of loss, the
Insured’s name, the participating organization name, and the policy number.
Payment of Claims: When Paid: Claims will be paid as soon as Travel Guard receives complete proof of loss and verification of
age.
Payment of Claims: To Whom Paid: Benefits paid on account of an Insured’s death will be paid to: 1) his/her spouse, if living; 2)
if not, in equal shares to his/her living children; 3) if there are none, in equal shares to his/her living parents; 4) if there are
none, in equal shares to his/her living brothers and sisters; 5) if there are none, to his/her estate.
If a benefit is payable to the Insured’s estate, or to a minor or other person who is incapable of giving a valid release, the Insurer
may pay up to $1,000 to a relative by blood or connection by marriage who has assumed care or custody of the minor or
responsibility for the incompetent person’s affairs. Any payment the Insurer makes in good faith fully discharges the Insurer to
the extent of that payment. All other benefits will be payable to the Insured.
Benefits for Medical Expense/Emergency Medical Transportation Services may be payable directly to the provider of the
services. However, the provider: a) must comply with the statutory provision for direct payment, and b) must not have been paid
from any other sources.
Problems with your insurance? If so, do not hesitate to contact Travel Guard to resolve your problem at 1145 Clark Street,
Stevens Point, WI 54481, or call 1.866.385.4839.
General Provisions
Acts of Agents – No agent or any person or entity has authority to accept service of the required proof of loss or demand
arbitration on the Insurer’s behalf nor to alter, modify, or waive any of the provisions of the policy.
Autopsy – 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 policy 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. The provision does not apply in North Carolina.
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) after the date claim forms are due.
Payment of Premium –Coverage is not effective unless all premium due has been paid to 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 policy 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 by the law of a state other than
Florida.
Notice to North Carolina residents: In North Carolina, insurance is underwritten by National Union Fire Insurance Company of
Pittsburgh, PA, on Policy series 52735MO.
Notice to Texas residents: The policy may provide a duplication of coverage already provided by your personal auto insurance,
homeowner’s, personal liability policy, or other source of coverage.
Travel Guard® Assist*
All benefits provided are non-insurance services, not insurance benefits. Any costs associated with benefits not purchased will
be paid by the named Insured.
24-HOUR MEDICAL ASSISTANCE
24-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 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 or medical or travel emergencies.
Emergency Message Center:Transmission of emergency messages to family and business associates.
Interpretation Services:Travel Guard provides emergency language support or referral to the appropriate local services.
*Non-insurance services through Travel Guard® Assist are provided by Travel Guard®.
Program fees are non-refundable.
When calling from the U.S., 1.866.385.4839.
When calling from abroad, call collect 1.715.295.5452.
We will coordinate your assistance needs with the appropriate TGA Center.
Benefits are payable up to the amount of coverage in the insurance policy provided through TRAVEL GUARD® and/or INSURE
AMERICA®. Failure to call TRAVEL GUARD® Assist may invalidate any payments applicable on your claim. TGA shall not be
responsible for the availability, quality, or results of any medical treatment or the failure of the insured person to obtain medical
treatment. 007453-CT P1 12/00 ©TRAVEL GUARD® International 10/05
Notice to state of Washington: this is not your insurance policy. To obtain your state-specific insurance policy, visit www.
insureamerica.com, or call 1.715.346.0860.
