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

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.

INSURANCE BENEFITS

"Baggage" means luggage and personal possessions, whether owned, borrowed, or rented, taken by the Insured on the trip.
"Common Carrier" means an air conveyance operating under a license for the transportation of passengers for hire.
"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.
"Destination" means the place where the Insured expects to travel on his/her trip.
“Doctor” means a government-licensed practitioner of the healing arts including accredited Christian Science Practitioners, acting within the scope of his/her license. The treating Doctor may not be the Insured, Family Member or a Traveling Companion.
"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 Doctors 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, drug addicts, alcoholics, or persons with mental or nervous disorders.
"Immediate Family Member" means children, children-in-law, parents, parents-in-law, siblings, siblings-in-law, grandparents, grandchildren, legal or common-law spouse, aunts, uncles, nieces, and nephews of the Insured or the Insured's Traveling Companion.
"Injury" means a bodily Injury, caused by an accident and resulting directly and independently of all other causes in loss covered by the policy. The accident must happen while the Insured is covered under this policy. Also requires treatment by a Doctor.
"Insured" means the person named by the travel provider as a participant in this insurance program.
“Insurer” means American Home Assurance Company.
"Medical Expenses" means Reasonable and Necessary costs of treatment for Injury or Sickness which are provided by a medical Doctor, dentist, or professional nurse on an emergency or urgent basis which are actually incurred by the Insured.
"Premium" means a scheduled per-person payment for insurance coverage separate from trip costs.
"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, disease, or Injury which requires treatment by a Doctor.
"Traveling Companion" means a person whose name appears with the Insured on the same Trip arrangement and who, during the entire Trip will share accommodations with the Insured in the same room, cabin, condominium unit, apartment unit, or other lodging.
"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 trip.
"Unforeseen" means not anticipated or expected and occurring after the effective date of the policy.

INDIVIDUAL INSURANCE:

Persons eligible for insurance under the policy are any traveler(s) who makes enrollment for coverage and pays the Premium providing they have not already departed on their trip.
All coverages are aggregate amounts and diminish in value per paid claim.
Effective Date: After premium is paid by the Insured and the Enrollment Form is completed and signed, TRIP CANCELLATION BENEFIT (and Change of Mind benefit, if applicable) will be effective: (a) at 12:01 a.m. on the date after the Enrollment Form is postmarked to Insure America if coverage is purchased by mail; (b) at 12:01 a.m. on the day after the Enrollment Form is phoned in to Insure America if coverage is purchased via phone; (c) at 12:01 a.m. on the day after the Enrollment Form is faxed to Insure America 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. Annual coverage terminates 365 days following the effective date. Coverage is valid for any travel 100 miles or more from their primary residence (not applicable to Trip Cancellation & Interruption coverage.)
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; (d) cancellation of the trip covered by the policy. The policy covers trips up to 90 days in length.
Extension of Coverage: The duration of coverage shall be extended under the following conditions: (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 trip was scheduled to be completed.

GENERAL EXCLUSIONS:

The following exclusions apply to all coverages:
THIS INSURANCE DOES NOT COVER ANY LOSS CAUSED BY OR RESULTING FROM: suicide or attempted suicide while sane; intentionally self-inflicted injuries, Sickness, or disease except as provided for in the policy; war or any act of war whether declared or not; terrorism; civil disorder; while serving as a member of the Armed Services; while or as a result of riding in any device for aerial navigation other than as provided for in the policy; participation in any professional, semi-professional, or inter-scholastic team sports, motor sports or motor racing, including training or practice for the same; hernia unless resulting from a covered accident; being under the influence of drugs or intoxicants unless prescribed by a duly licensed Physician; participation in any felonious act or attempt threat; skydiving, scuba, or deep sea diving; snowskiing; hang gliding; parachuting; contest of speed; dental treatment except as a result of Injury to sound natural teeth; elective abortion; normal pregnancy or childbirth; mental, psychological, or nervous disorders including anxiety, depression, neurosis, or psychosis; loss or damage caused by detention, confiscation, or destruction by customs; nuclear reaction, radiation, or radioactive contamination; if the Trip Departure and Trip Completion Date does not reflect the Insured's intent to start and end his/her trip on those dates; if the Insured's tickets do not contain specific travel dates (open tickets).
The following exclusions apply to Loss of Documents and Baggage Delay coverage:
ANY LOSS OR DAMAGE TO: animals; automobiles and their equipment; boats; motors; motorcycles; other conveyances and their equipment (except bicycles while checked as Baggage with a Common Carrier); household furniture; eyeglasses and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; money and securities; tickets and documents; sporting equipment if loss or damage results from the use thereof.
ANY LOSS CAUSED BY OR RESULTING FROM: breakage of brittle or fragile articles, cameras, musical instruments, radios, and similar property; gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; terrorism; theft or pilferage while left unattended in any vehicle; mysterious disappearance; lost or stolen passport, travel documents, or credit cards

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 insurance in force, under the TGP Policies. The Insurer will pay no more than $500,000 per occurrence, under the TGP Policies, to or on account of any person insured under the TGP Policies.

Naturally, this policy does not provide duplicate payments, and is therefore secondary.

EXCESS INSURANCE PROVISION
THE INSURANCE PROVIDED UNDER LOSS OF DOCUMENTS, BAGGAGE DELAY, SICKNESS, ACCIDENT & DENTAL MEDICAL, AND EVACUATION SHALL BE IN EXCESS OF ALL OTHER VALID AND COLLECTIBLE INSURANCE OR INDEMNITY AND SHALL APPLY ONLY WHEN SUCH OTHER BENEFITS ARE EXHAUSTED.

SICKNESS, ACCIDENT & DENTAL MEDICAL:

The Insurer will pay benefits up to the maximum shown on the Schedule of Benefits if the Insured incurs necessary Covered Medical Expenses as a result of an Injury or Sickness. The Injury must occur while the Insured is covered under the policy, and the Sickness must first manifest itself during the Trip. Initial treatment must be received during the trip. All services, supplies, or treatment must be received within 52 weeks of the date of the accident or the onset of the Sickness.
Covered Expenses are necessary services and supplies which are recommended by the attending Physician. They include the services of a legally qualified Physician, surgeon, graduate nurse, dentist (Injury only), or osteopath; charges for Hospital confinement and use of operating rooms; charges for anesthetics (including administration), x-ray examinations or treatments, and laboratory tests; ambulance service, drugs, medicines, and therapeutic services and supplies. The Insurer will not pay benefits in excess of the Reasonable and Necessary charges commonly used by providers of medical care in the locality in which the care is furnished. The Insurer will not pay for hotel accommodations and extra living expenses for the Insured or his/her Traveling Companion incurred while being hospitalized or treated on an outpatient basis. Maximum dental benefit is $500. Benefits for dental coverage are only valid while the insured is on his/her trip.

The Insurer will pay benefits for Covered Expenses up to the maximum shown on the Schedule of Benefits if any Injury or Sickness commencing during the Tour results in the Insured's necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of the Insured's Injury or Sickness warrants an Emergency Evacuation.
Emergency Evacuation means: (a) the Insured's medical condition warrants immediate transportation from the place where he/she is injured or sick to the nearest Hospital where adequate medical treatment can be obtained. 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 Insured's Doctor 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 a Doctor; (c) up to $5,000 per person for special air transportation costs to return home if the Insured's Doctor advises in writing that the Insured's condition require a stretcher, oxygen, or other special medical arrangement; (d) Reasonable and Necessary 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 the Insurer. Timely notification by the Insured to the Insurer's designated provider is required.
Covered Expenses are Reasonable and Necessary expenses, up to the maximum shown on the Schedule of Benefits, for transportation, medical services and medical supplies necessarily incurred in connection with the Insured's Emergency Evacuation. All transportation arrangements made for the Insured's evacuation must be by the most direct and economical route possible. Expenses for special transportation must be: (a) recommended by the attending Physician; (b) required by the standard regulations of the conveyance transporting the Insured; AND (c) must be verified and approved in advance by Insure America. Expenses for medical services and supplies must be recommended by the attending Physician.
Transportation means any land, water, or air conveyance required to transport the Insured during an Emergency Evacuation. Special transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles.
The Insurer will not cover any expenses provided by another party at no cost to the Insured or already included in the cost of the Trip. This coverage is limited to one incident per year. The Insurer may require autopsy where lawful.

TRAVEL DOCUMENT PROTECTION:

PET CARE HOME ALONE:

HOTEL OVERBOOKING:

CREDIT CARD PROTECTION:

COLLISION DAMAGE WAIVER:

The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits, minus a $500 deductible. The Insurer will pay this secondary benefit for collision and comprehensive damage to the rental car for which the car rental contract holds the Insured responsible. In addition, the Insurer will pay the cost of repairs, for direct loss due to accidental damages of a rental car and loss of use while the rental car is being repaired. The car must be rented from a recognized licensed auto rental company.
Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay for any obligation the Insured assumes under any agreement. The Insurer will not cover use of the rental car in violation of the rental car agreement. Excluded are rentals of trucks, campers, trailers, off-road vehicles, motorbikes, or recreational vehicles. The Insurer also exclude any liability, personal Injury, and property damage that the car rental contract may or may not hold the Insured responsible for.
Claims Procedures for Collision Damage Waiver: The Insured must submit to the Insurer a copy of the Accident Report and an itemized statement of repairs made. The Insured must cooperate with the Insurer in their efforts to investigate the accident and settle any claims against him/her. If the Insured fails to cooperate, or fails to send the Insurer any of the requested documentation, the Insurer reserves the right to refuse any further protection for the accident.

OPTIONAL TRIP CANCELLATION AND INTERRUPTION:

Insurer will pay benefits, to the maximum shown on the Schedule of Benefits, in the event the Insured is prevented from taking his/her Trip because: (a) the Insured, an Immediate Family Member, or a Traveling Companion suffers an Injury, Sickness, or Death. Injury or Sickness must be so disabling as to reasonably cause a trip to be delayed, canceled, or interrupted. (b) The following Unforeseen circumstances: subpoenaed, summoned for jury duty, quarantined, has a primary residence made uninhabitable; the Insured or a Traveling Companion has a documented traffic accident while en route to departure, or is hijacked.
This coverage does not cover loss caused by: (i) carrier-caused delays; (ii) 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, cancellations, or changes, by the airline, tour operator, or supplier of travel-related services or lodging; (vii) any government regulation or prohibition; (viii) strike; (ix) a loss, Injury, or Sickness occurring on or before the effective date.
Trip Cancellation: Non-refundable cancellation charges imposed by the Tour Operator and/or airfare cancellation charges due to the reasons shown at the beginning of this section. In no event shall the amount reimbursed exceed the amount prepaid for the Insured's Trip.
Special Conditions: The Insured must advise the Travel Provider as soon as possible in the event of a claim. The Insurer will not pay benefits for any additional charges incurred that would not have been charged if the Insured notified the Travel Provider of his/her cancellation as soon as reasonably possible.
Trip Interruption: Unused, non-refundable land or sea expenses prepaid to the Travel Provider and/or the airfare paid, less the value of applied credit from and unused return travel ticket, to return home or rejoin the original Land/Sea Arrangements (limited to the cost of one-way economy class airfare or first class, if the Insured's original tickets were business or first class, by scheduled carrier, from the point of Destination to the point of origin shown on the original travel tickets).

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. The Insurer will complete the claim form and send it to the Insured for his/her review/signature. This completed form should be returned to Insure America, 1145 Clark Street, Stevens Point, Wisconsin 54481. (Telephone 1-715-345-0505 or 1-800-826-7791) Insurer will then send the Insured claim forms. All California claims will be administered by Mercury Claims Administrator 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 this certificate must be submitted to Insure America 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.
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 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 at 1-888-826-1300.

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 this policy.
Choice of Law - The terms, conditions, and provisions of this policy are governed by the substantive law of the State of Wisconsin, and all disputes hereunder shall be governed and determined by the law of the State of Wisconsin.
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 this policy or claim.
Examination Under Oath - As often as the Insurer may require, the Insured must submit to examinations under oath, and provide us with receipts, proofs of purchases, or other records.
Legal Actions - No one may sue for benefits less than 60 days after due proof of loss is submitted, nor more than 12 months ( or the minimum period of time permitted by state law, if greater) after the date claim forms are due.
Insurer's Recovery Rights - In the event of a payment under this 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 this 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.
Payment of Premium - Coverage is not effective unless all premium due has been paid to Insure America prior to a date of loss or insured occurrence.
Satisfaction Guaranteed - The Insurer is committed to providing products and services that will exceed expectations. If the Insured is not completely satisfied, he/she can receive a refund. Requests must be submitted to Insure America in writing within three days of the receipt of the policy, provided it is not past the original departure date.
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.

NON-INSURANCE TRAVEL SERVICES

TRAVEL MEDICAL ADVISORIES:
Before the Insured leaves on his/her trip, he/she may obtain the latest travel advisories on his/her travel Destination(s). These advisories may include country-specific information such as visa and passport requirements, inoculation and immunization requirements, foreign exchange rates, weather forecasts, embassy and consular information, and U.S. State Department travel advisories.

EMERGENCY MEDICAL TRANSPORTATION:

In the event of an Injury or an illness to a the Insured requiring medical treatment or hospitalization that is not adequate where he/she is traveling, Insure America will coordinate and arrange emergency medical transportation to the nearest appropriate Hospital. Once the Insured is stabilized, and it's medically necessary, Insure America will also coordinate the return of the Insured to a Hospital near his/her permanent residence.

REPATRIATION OF REMAINS:

In the event of the death of any Insured who is traveling, Insure America will arrange for the return of the remains to the commercial airport nearest the Insured's permanent residence.

LOST PASSPORT/TRAVEL DOCUMENTS:

Insure America will assist the Insured with obtaining replacements if an Insured loses important travel documents while on the road — e.g., passport, credit cards, airline tickets, etc.

EMERGENCY PRESCRIPTION REPLACEMENT:

For lost, damaged or locally unavailable prescriptions, Insure America will coordinate the dispatch of such medications, when possible and legally permissible, to the Insured upon the authorization of the prescribing physician.

MEDICAL REFERRAL:

If medical advice or care is needed, Insure America will refer the Insured to the nearest and most appropriate care facility or provide a listing to the Insured of the available medical care. At the Insured's request, Insure America will assist with obtaining an appointment with the medical care provider chosen by the Insured.

MEDICAL CASE MONITORING:

If the Insured is hospitalized when traveling away from home, Insure America will monitor the case from the initial admission until discharge. Using "Interqual" Utilization Management criteria and the skills of medical professionals, the Insured is assured that all necessary information is made available to him/her to ensure that the Insured receives the essential care he/she needs.

EMERGENCY MESSAGE RELAY:

Insure America provides the Insured with the ability to receive or transmit emergency messages to his/her family, employer, or family physician.

EMERGENCY CLAIMS ASSISTANCE:

Insure America will assist the Insured with the coordination and processing of his/her health or travel insurance claim(s) with any responsible insurance carrier.

REFERRAL TO EMBASSY OR CONSULATE:

Insure America will inform the Insured of the location and contact numbers for the nearest embassy, consulate, lawyer, or other needed professional upon the request of the Insured.

LEGAL REFERRALS:

Insure America will refer the Insured to the nearest attorney upon request, anywhere in the world.

EMERGENCY CASH TRANSFER:

Insure America will, whenever possible, assist Insureds with obtaining cash advances up to $500 in local currency for medical or travel emergencies.

TRANSLATION OR INTERPRETATION SERVICE:

Insure America will provide emergency telephone translation services as well as referrals to interpreter services upon the Insured's request.

LIVETRAVEL
Provides 24-hour assistance for emergency travel needs. Allows the Insured 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 any 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.

Non-insurance services through the Travel Guard® Assistance is provided by Travel Guard® International.