This is only a brief description of the coverage

This is only a brief description of the coverage(s) available under policy series Travel Guard Program Policies (TGP policies). 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.

Blanket Travel Accident Insurance

This document describes the benefits and basic provisions of the policy. The Insured should read it with care so he/she will understand the coverage. The policy is the only contract under which benefits are paid.

PLEASE READ THIS DESCRIPTION OF COVERAGE CAREFULLY!
Insurance Coverage
Underwritten by 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.

Effective Date: The insurance will be effective when premium is received by Travel Guard.

If additional per trip coverage was purchased, premium must be paid by the Insured and received by Travel Guard for coverage to go into effect. Coverage will be in effect for all flights within your original travel period.

Exclusions:
The Insurer will pay this benefit if the insured is injured while riding as a passenger in or boarding or alighting from a certified passenger aircraft provided by a regularly scheduled airline operated by a properly certified pilot.

The Insurer will pay the Flight Accident Benefit for loss of life, two limbs, sight of both eyes, or loss of one limb and the sight of one eye when such double losses are the result of the same accident. One-half of the benefit is payable for the loss of one limb or the sight of one eye. If multiple losses result from the same accident, the total amount the Insurer will pay will be limited to the Flight Accident Benefit. Loss must be within 365 days of the accident. The Insurer will pay for loss of life if your body has not been found within one year of the accident. Our maximum total liability resulting from the same occurrence will be $10,000,000. The Insurer will pay up to the maximum amount purchased, not to exceed $500,000 per occurrence to or on account of any person insured through Travel Guard International.

Losses We Don't Cover:
The Insurer will not pay for any loss caused by or resulting from intentionally self-inflicted harm, acts of war, service in the armed forces, taking part in a felony, ingestion of food or drink, bacterial infection (unless caused by an accidental cut, wound or food poisoning), illness, disease or bodily infirmity.

What To Do If A Loss Occurs: Notify Travel Guard, 1145 Clark Street, Stevens Point, WI 54481. Telephone: 1-800-437-6142.

Payment of Claims: All California claims will be adminstered by Mercury Claims Adminstrator Services, LLC.
To Whom Paid: Benefits paid on account of 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/sisters, 5) If there are none, to his/her estate. If you wish to designate a different beneficiary, this designation must be in writing and filed with us, or filed with you or your administrator if The Insurer has agreed in advance.

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 $500 to a relative or other person who has assumed care or custody of the Insured. Any payment The Insurer makes in good faith fully discharges us to the extent of that payment. All other benefits will be payable to the Insured. However, if he/she has assigned his/her benefits, The Insurer will honor the assignment, if The Insurer has a signed copy of the assignment. The Insurer is not responsible for the assignment's validity or sufficiency.