Pack 'N Go
$ 500 Missed Connection
$ 1,000 Travel Delay
$ 1,000 Baggage & Travel Documents
$ 200 Baggage Delay
$ 25,000 Medical Expense
$300,000 Emergency Medical Transportation
TRAVEL GUARD® Assistance
Livetravel
Live Messaging
Pre-trip Travel Advice
Emergency Cash Transfer
Bag Trak®
Concierge Services
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 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.
This is only a brief description of the 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.
-
Coverage is valid only if premium has been paid PRODUCT NUMBER: 007814 In
the event of a claim, please refer to the above Product Number.
SCHEDULE OF BENEFITS
The benefits are described in detail under “Description of Coverages.” All
coverages are per person. All coverages are Primary.The benefits are only
applicable if the appropriate premium has been paid and are payable based on
the limits reflected on the Schedule of Benefits page. (Please see
attachment.)
DEFINITIONS
“Baggage” means luggage and personal possessions, whether owned,
borrowed, or rented, taken by the Insured on the Trip.
“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.
“Common Carrier” means any conveyance operated under a
license for the transportation of passengers or hire.
“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, as shown on the Enrollment Form.
“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 the Insured’s spouse; child;
parent; sibling; grandparent or child; step-parent, child or sibling; son- or
daughter-in-law; parents-in-law; brother- or sister-in-law; aunt; uncle; niece
or nephew; legal guardian; 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 the 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 the Policy.The injury must be verified by a Physician.
“Insured” means the person named on the individual
Enrollment Form.
“Insurer” means American Home Assurance Company.
“Medical Expenses”means Reasonable and Necessary Expenses
of treatment for Injury or Sickness which are provided by a medical Physician,
dentist, or professional nurse on an emergency or urgent basis which are
actually incurred by the Insured.
“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, an Immediate Family Member, or Traveling Companion.
“Primary” means the Insurer will pay first.
“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 Necessary Expenses” means the prevailing
charge made by most providers of a given service in the geographic area where
the service is received. In no event will the Reasonable and Necessary
Expenses 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 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 is 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.
“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 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 365 days; and the Insured’s
destination is not to another Home; travel is primarily by Common Carrier and
only incidentally by private conveyance.
“Trip Completion 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.
“Trip Departure Date” means the date on which the Insured
is originally scheduled to leave on his/her Trip. This date is shown on the
Individual Enrollment Form.
INDIVIDUAL ELIGIBILITY & 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 is completed and signed,TRIP CANCELLATION BENEFIT and Change Your
Mind Benefit ( If applicable) will be effective: (a) at 12:01 a.m. on the day
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; or (c) at
12:01 a.m. on the day after the Enrollment Form is completed online.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 as shown on the
Individual Enrollment Form; (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 (7) days after the date the Trip was scheduled to be
completed.
GENERAL EXCLUSIONS — APPLICABLE TO ALL COVERAGES
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 harm, suicide,
or attempted suicide while sane or insane; (b) pregnancy, childbirth, or
elective abortion, other than 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 or insurrection; (f) operating or
learning to operate any aircraft, as student, pilot or crew; (g) air travel on
any air-supported device, other than a regularly scheduled airline or air
charter company; (h) loss or damage caused by detention, confiscation, or
destruction by customs; (i) any unlawful acts, committed by the Insured, an
Immediate Family Member or a Traveling Companion,whether insured or not; (j)
civil disorder or riot; (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 (n) financial default.
PRE-EXISTING MEDICAL CONDITION EXCLUSION APPLICABLE TO ALL COVERAGES Insurer will not pay for loss or expense incurred as the result of Injury or Sickness of an Insured or Immediate Family Member which manifests itself during the 60 days immediately preceding the Insured’s coverage effective date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60-day period. A Sickness has manifested itself when medical care, treatment, or diagnosis has been given.
DESCRIPTION OF COVERAGES TRIP INTERRUPTION The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits if a Trip is delayed or interrupted due to any of the following unforeseen reasons: (a) unforeseen Sickness, Injury, or death Insured or Immediate Family Member. Injury or Sickness must be disabling as to reasonably cause a Trip to be delayed or interrupted; (b)Inclement Weather conditions causing delay or cancellation of travel; (c)the Insured’s principal residence or destination being made uninhabitable by fire, flood, vandalism, burglary or Natural Disaster; (d) the Insured being subpoenaed, required to serve on jury duty, hijacked or quarantined; (e) being involved in or delayed due to a traffic accident en to departure; (f) military duty (the Insured having their leave revoked or being reassigned within 10 days of departure date); (g) an employer-initiated transfer of employment within the same organization 250 miles or more; (h) a documented theft of passports or visas.
Additional Exclusions: This coverage does not cover loss caused by: (i) carrier caused delays including an announced, organized, sanctioned labor 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 bad weather; (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 and purchased his/her travel arrangements; (vii) any government regulation or prohibition; (viii) an event or circumstance which occurs prior to the Insured’s effective date of coverage.
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 additional transportation expenses incurred by the Insured to return him/her home (However, the benefit payable 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.
The Insured must: Contact Livetravel (1-800-826-8597) as soon as the Insured knows his/her Trip is going to be interrupted. 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 causes cancellation or delay of all regularly scheduled airline flights for three to less than twelve hours to your point of departure. The Insured can collect up to $500 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.
TRAVEL DELAY The Insurer will reimburse incurred expenses up to $200 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip delayed for more than six 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 reasons listed under Trip Interruption, in addition to: (a) carrier delay; (b) lost or stolen passport, travel documents or money; (c) quarantine; (d) Natural Disaster; or (e) Injury or Sickness of the Insured, an Immediate Family member or Traveling Companion.
The Insured must: Contact Livetravel (1-800-826-8597) as soon as the Insured knows his/her Trip is going to be delayed more than six hours. Failure to do so may affect coverage.
BAGGAGE & TRAVEL DOCUMENTS
The Insurer will reimburse this Primary (see definition) 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. 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 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) motor vehicles, aircraft, and other conveyances; (c) artificial limbs, false teeth, any type of eyeglasses, sunglasses, contact lenses or hearing aids; (d) tickets,except for administrative fees required to reissue tickets; (e) money, stamps, stocks and bonds, postal or money orders; (f) property shipped as freight, or shipped prior to the Trip Departure Date; (g) credit cards, except as noted above; (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, gems, furs, cameras and camera equipment, camcorders, sporting equipment, computers, radios and other electronic items. 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: the cost to repair an item or replace with an item of like kind and quality.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 our 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 BENEFIT 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 has reached his/her Return Destination.
MEDICAL EXPENSE BENEFIT The Insurer will pay this Primary (see definition) 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 Necessary 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/her Return Destination regardless of the reason. Payment for dental expenses incurred is limited to a maximum of $500.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. Physical therapy will be covered up to 90 days after the Insured reaches his/her Return Destination.
EMERGENCY MEDICAL TRANSPORTATION BENEFIT The Insurer will pay this Primary (see definition) benefit, up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will arrange for emergency medical transportation services required by the Insured as the result of an Injury or Sickness during a Trip.
Covered Expenses: The Insurer will arrange and pay: (a) Reasonable and Necessary medical services required for evacuation to the nearest adequate medical facility or home if medically required.This service will be arranged only if the attending Physician determines that adequate medical treatment is not locally available; (b) up to $5,000 for Reasonable and Necessary escort expenses required by the Insured, if the Insured is disabled during a Trip and an escort is recommended, in writing, by the attending Physician; (c) Reasonable and Necessary services for transportation of the Insured’s remains to his/her place of residence if he/she dies during a Trip. Service must be provided by a provider designated by us. Timely notification by the Insured to our designated provider is required, with regard to Emergency Evacuation.
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 Trip Completion 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 will not pay for services arranged without our prior consent or approval.
PAYMENT OF CLAIMS
Claim Procedures: Notice of Claim: The Insured must call the Insurer 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 1-715-345-0505 or 1-800-826-7791) All California claims will be adminstered by Mercury Claims Adminstrator Services, LLC.
Claim Procedures: Proof of Loss: The claim forms must be sent back to Insurer 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 policy 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 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 claim forms would be due. This proof of loss should include written proof of 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 Insurer 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 the beneficiary he/she has chosen.The choice must be in writing and filed with Insurer, or filed with Insured or Insured’s administrator if Insurer has agreed in advance. If the Insured has not chosen a beneficiary, or if there is no beneficiary alive when he/she dies, Insurer will pay the benefit: 1) to 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 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 Insurer makes in good faith fully discharges Insurer to the extent of that payment. All other benefits will be payable to the Insured. However, if he/she has assigned his/her benefits, benefits, Insurer will honor the assignment, if Insurer has a signed copy of the assignment. A payment made pursuant to such an assignment shall discharge Insurer from further liability under the Policy to the extent of such payment. Under no circumstances shall Insurer be responsible for the validity or sufficiency of any such assignment.
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 the insurance company or agent to resolve your problem at 1145 Clark Street; Stevens Point,WI 54481 or call 1-800-826-1300.
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 our 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.
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 our 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 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 without prior written consent.
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 Doctor and 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 a 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 burial.
24-HOUR LEGAL ASSISTANCE 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 ASSISTANCE Provides 24-hour assistance for emergency travel needs. Allows you 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 passport, visa, inoculation and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information – all for the Insured’s planned Destination.
BAG TRAK® Travel Guard will provide the Insured with: personalized identification tags for the Insured’s Baggage, passport, wallet, camera, or other valuables, and two permanent identification cards. If the Insured’s Baggage or valuables are lost or stolen,Travel Guard will assist in locating them.
CONCIERGE SERVICES
Restaurant Referrals and Reservations – Travel Guard will supply a restaurant referral based on your needs and desires.Additionally Travel Guard will arrange for reservations at the recommended restaurant. Based on availability.
Ground Transportation – Travel Guard will locate and arrange for a transportation service to pick you up and deliver you to your desired destination.
Event Ticketing – Travel Guard will assist with the purchase of tickets to such events as sporting events, theatre, and concerts. Based on availability.
Tee Times and Course Recommendations – Travel Guard will facilitate the reservation of tee times at available courses and recommend alternatives in case of a booked course. Based on availability.
Flower Ordering – Travel Guard will facilitate the ordering of flowers for such events as birthdays, anniversaries, holidays, and other special occasions. Non-insurance services
through Travel Guard® Assistance are provided by Travel Guard®.
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.
Satisfaction Guaranteed - Travel Guard is committed to providing products and services that will exceed expectations. If the Insured is not completely satisfied, he/she can receive a refund of the premium minus the policy fee. Requests must be submitted to Travel Guard in writing within three days of the receipt of the policy, provided it is not past the original departure date.
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.
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.
007814-CT 9/03 TRAVEL GUARD® International 9/03