Travel Guard

ProtectAssist: Description of Coverage      

SCHEDULE OF BENEFITS
All coverages are per person.

Blanket Travel Accident Insurance

PLEASE READ THIS DOCUMENT CAREFULLY!

Insurance Coverage

Underwritten by the American Home Assurance Company, a New York insurance company, 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. 19380. Collision Damage Waiver underwritten by the National Union Fire Insurance Company of Pittsburgh, PA, 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 T30253AHAC. 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.

INDIVIDUAL ELIGIBILITY, EFFECTIVE & TERMINATION DATES
Persons 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 premium, providing he/she has not already departed on his/her Trip.
Effective Date: After premium is paid by the Insured and the Enrollment Form is completed and signed, TRIP CANCELLATION BENEFIT will be effective: (a) at 12:01 a.m. on the date after the Enrollment Form is postmarked to TRAVEL GUARD® if coverage is purchased by mail; (b) at 12:01 a.m. on the day after the Enrollment Form is phoned in to TRAVEL GUARD® if coverage is purchased via phone; (c) at 12:01 a.m. on the day after the Enrollment Form is faxed to TRAVEL GUARD® if coverage is purchased by facsimile; or (d) at 12:01 a.m. on the day after the online purchase confirmation date. All other coverages will begin on the later of: (a) the date and time the Insured starts his/her Trip, or (b) the scheduled Trip Departure Date shown on the Enrollment Form.
Termination Date: All coverage ends on the earlier of: (a) the date the Trip is completed; (b) the scheduled Trip Completion 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.
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 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) intentionally self-inflicted Injury, suicide, or attempted suicide while sane or insane;
(b) pregnancy or childbirth, or elective abortion, other than the Complications of Pregnancy;
(c) participation in 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 disturbance, riot, or insurrection;
(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, Immediate Family Member, or a Traveling Companion, whether insured or not;
(k) civil disorder;
(l) if the Insured's tickets do not contain specific travel dates (open tickets);
(m) use of drugs, narcotics, or alcohol, unless administered upon the advice of a Physician; or
(n) mental, psychological, or nervous disorders including, but not limited to, anxiety, depression, neurosis, or psychosis.

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 Program Policies (TGP Policies). 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 TGP policies. The Insurer will pay no more than $250,000 per occurrence, under the TGP policies, to or on account of any person insured under the TGP policies.

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 for the Insured due to any of the following unforeseen circumstances:

(a) Sickness (see definition), 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. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of an Immediate Family Member, it must be because their condition is life-threatening, and because the Immediate Family Member requires the Insured's care. Cancellations due to the death of an Immediate Family Member or Traveling Companion are covered;
(b) Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Excluded is the organization from which the Insured purchased his/her Trip and this coverage. Financial Default occurring on or before the Insured's coverage effective date or less than fourteen days after the Insured's coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of “initial trip payment.” “Initial trip payment” means the date the first deposit is made to the Insured's Travel Agent toward the cost of his/her Trip;
(c) Inclement Weather causing delay or cancellation of travel;
(d) Strike resulting in complete cessation of travel services at the point of departure and Destination;
(e) the Insured's principal residence or Destination being made uninhabitable by fire, flood, vandalism, or Natural Disaster;
(f) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined; or
(g) a Terrorist Incident in a City listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival. “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace.

Trip Cancellation Benefits: The Insurer will reimburse this benefit up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled before the scheduled Trip Departure Date due to the reasons shown at the beginning of this section. The Insurer will reimburse for the following:
(a) forfeited, non-refundable prepaid deposits or payments, or unused prepaid payments or deposits;
(b) the charge for a single supplement if the Insured's Traveling Companion or traveling Immediate Family Member's Trip is canceled but the Insured's is not.

Trip Interruption Benefits: The Insurer will reimburse 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 reimburse for the following:
(a) forfeited, non-refundable, unused prepaid payments, made prior to your Trip Departure Date or travel arrangements 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; or
(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and
leaves after the Trip 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.
The Insured Must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows the Trip is going to be canceled 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:
(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, except as provided elsewhere in the policy; (ii) travel arrangements canceled by an airline, cruise line, or tour operator, except as provided else- where in the policy; (iii) changes 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 Traveling Companion; (vi) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage and purchased his/her travel arrangements; (vii) any government regulation or prohibition; (viii) an event which occurs prior to the Insured's coverage Effective Date, whether known to the Insured or not; (ix) failure of any tour operator, Common Carrier, person, or agency to provide the bargained-for travel arrangements.

The Insured's Duties in the Event of Loss:
The Insured must provide the Insurer documentation of the cancellation, interruption, or delay and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as canceled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the loss. Claims involving loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending physician's statement. The Insured must provide the Insurer with all unused air, rail, cruise, or other tickets if he/she is claiming the value of those unused tickets.

TRAVEL DELAY
The Insurer will reimburse up to $150 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. Travel Delay must be caused by: (a) the Insured being delayed by a traffic accident while en route to a departure; or (b) carrier-caused delay; (c) lost or stolen passports, travel documents, or money; or
(d) quarantine; (e) being hijacked; (f) unannounced Strike; (g) Inclement Weather which prohibits Common Carrier departure; or (h) Natural Disaster. Payments for additional accommodation expenses will not exceed $100 per day per individual, up to the Maximum Limit of Coverage for Reasonable Additional Expenses.
The Insured Must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows his/her Trip is going to be delayed more than 12 hours. Failure to do so may affect coverage.

MISSED CONNECTIONS
The Insurer will reimburse this benefit up to the Maximum Limit shown on the Schedule of Benefits if Inclement Weather or Carrier causes cancellation or a delay of all regularly scheduled airline flights for three to less than twelve hours to your point of departure. You can collect up to $250 for additional transportation costs to join the Trip (must be same class of original tickets purchased). Reasonable accommodations and meals (up to $100 per day), and/or the non-refundable, unused portion of the prepaid expenses as long as the expense is supported by a proof of purchase and is not reimbursable by another source. Common Carrier must certify the delay of the regularly scheduled airline flight.

LOSS OF BAGGAGE AND PERSONAL EFFECTS
The Insurer will reimburse this benefit, 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. There is a maximum of $4,000 per traveling group.
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) bicycles (except when checked with a Common Carrier);
(c) motor vehicles and other conveyances;
(d) artificial limbs, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
(e) tickets, keys, money, notes, securities, accounts, bills, currency, deeds, food stamps or other evidences of debt, credit cards, and other travel documents (except passports and visas);
(f) money, stamps, stocks and bonds, postal or money orders;
(g) property shipped as freight, or shipped prior to the Trip Departure Date; or
(h) 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 defined on the Schedule of Benefits. The Insurer will not pay more than $500 aggregate on all losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, sporting equipment, computers, and other electronic devices. Items over $150 must be accompanied by original receipts. If receipts are not provided, benefits will be reduced.
Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay this loss due to: (a) defective materials or craftsmanship; (b) normal wear and tear; (c) deterioration; or (d) rodents, animals, or insects.
Payment of Loss: The Insured Must: (a) Report theft losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs. The Insurer will reimburse the Insured for those expenses. The Insurer will not pay for further damage if the Insured fails to protect his/her Baggage; (c) allow the Insurer to examine the damaged baggage and/or the Insurer may require the damaged item to be sent in the event of payment; (d) send sworn proof of loss as soon as possible from date of loss, providing amount of loss, date, time, and cause of loss, and a complete list of damaged/lost items; or (e) in the event of theft or unauthorized use of the Insured's credit cards, the Insured must notify the credit card company immediately to reduce his/her loss. Any items $150 or more must be accompanied by the original receipt. Benefits for Baggage and Personal Effects will be the excess of any amount paid or payable by a Common Carrier or other third party responsible for the loss.

BAGGAGE DELAY
The Insurer will reimburse 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. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured reaches his/her Return Destination. The Insurer will also pay the reasonable cost to return the Insured's Baggage to his/her home, up to his/her limit of coverage.
Payment of Loss: The Insured must provide documentation of the delay or misdirection of baggage by the Common Carrier and receipts for the emergency purchases.

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