|
| Travel Insurance The following is provided as a synopsis of coverage for residents of New York State. Coverage for your specific state and your specific travel package can be found in your "Certificate of Insurance". Travel With Ease BCS INSURANCE COMPANY Executive Office: Chicago, Illinois (A Stock Insurance Company, Herein Called the Company, We, Our, or Us) AGREES with the Policyholder (Herein Called You or Your) as named on the application attached, in consideration of the payment of the premium and subject to the limits of liability, exclusions, conditions and other terms of this Policy TO PAY the benefits described herein. This is a legal contract between You and the Company. IMPORTANT NOTICE Please check to make sure that Your Letter of Confirmation, which is attached, is correct for the coverage You have purchased. You should write to Access America at 6600 West Broad Street, Richmond, VA 23230 or call (800) 284-8300 within 10 days of Your receipt of this Policy if any information is incorrect. THIS IS A LIMITED POLICY. PLEASE READ IT CAREFULLY. INDIVIDUAL TRAVEL POLICY THIS POLICY IS NONRENEWABLE AND PROVIDES TRAVEL ACCIDENT & SICKNESS, TRAVEL DELAY, TRIP INCONVENIENCE, VACATION DELAY, MISSED CRUISE CONNECTION, BAGGAGE, BAGGAGE DELAY, FLIGHT INSURANCE, COLLISION DAMAGE WAIVER AND TRIP CANCELLATION/TRIP INTERRUPTION INSURANCE. New York Residents Please Note: Please refer to Your Letter of Confirmation for Your coverage level information Form #50.221A(NY Certificate) PART I. DEFINITIONS "Accident" means an unexpected, unintended, unforeseeable event causing Injury or property damage. "Active Military Duty" means serving in the United States Armed Forces on a full-time basis, not including the United States Armed Forces Reserves. "Actual Cash Value" means the amount an item is determined to be worth based on its market value, age and condition at the time of loss. "Alcoholism Treatment Facility" means a facility which is primarily engaged in providing detoxification and rehabilitation treatment for alcoholism. "Common Carrier" means any vehicle operated by a Common Carrier licensed to carry passengers for hire on land or water (excluding rental vehicles). "Coverage Period" means the time during which benefits are payable under this Policy, beginning on the effective date and ending on the termination date. The Coverage Period is extended to provide Emergency Medical Care coverage for any Covered Services rendered for Injury or illness which is first treated during the Coverage Period. The extension is for 52 weeks from the date of first treatment. This extension does not apply to Emergency Dental Care. "Covered Service" means a service or supply specified in the Policy for which benefits will be provided . "Deductible" means a specified dollar amount that You must incur before We will assume any liability for all or part of the remaining Covered Services. "Dentist" means a licensed Dentist. "Due Diligence" means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect against, avoid or diminish any loss, theft or damage. "Emergency Dental Care" means the services or supplies provided by a Dentist, Hospital or other provider which are medically and immediately necessary to treat dental problems resulting from Injury, infection, breakage to tooth surface or loss of filling. "Emergency Medical Care" means the services or supplies provided by a Physician, Hospital or other provider which are medically and immediately necessary to treat any illness or other covered condition which is acute (onset is sudden and unexpected), considered life threatening, and one which, if left untreated, could deteriorate resulting in serious and irreparable harm, even death. "Family Coverage" is the insurance plan under which You and Your Traveling Family Members are covered if You have selected this on Your application. "Family Member" means Your spouse; parent; child(ren), including children who are, or are in the process of becoming, adopted; sibling; grandparent or grandchild(ren); step-parent; step-child; or step-sibling; in-laws (parent, son, daughter, brother or sister); aunt; uncle; niece; nephew; legal guardian; ward; or business partner; whether or not they travel with You. "Felonious Assault" is an act of violence against You or a Traveling Companion requiring medical treatment in a Hospital. "Hospital" means a provider that is a short-term, acute, general Hospital which: 1) is a duly licensed institution; 2) in return for compensation from its patients, is primarily engaged in providing Inpatient diagnostic and therapeutic services for the diagnosis, treatment, and care of injured and sick persons by or under the supervision of Physicians; 3) has organized departments of medicine and major surgery; 4) provides 24-hour nursing service by or under the supervision of registered graduate nurses; 5) is not other than incidentally a skilled nursing facility, nursing home, custodial care home, health resort, spa or sanitarium, place for rest, place for the aged, place for the provision of rehabilitation care; place for the treatment of mental illness; place for the treatment of alcoholism or drug abuse, place for the provision of hospice care ;or a place for the treatment of pulmonary tuberculosis. "Individual Coverage" is the insurance plan under which only You are covered if You have selected this on Your application. "Injury" means bodily Injury caused by an Accident, directly and independently of all other causes and sustained on or after the effective date of this coverage and before the termination date. Benefits for Injury will not be paid for any loss caused by sickness or other bodily diseases or infirmity. "Inpatient" means a person who is treated as a registered bed patient in a Hospital or other facility and for whom a room and board charge is made. "Medically Necessary" or "Medical Necessity" means the services or supplies provided by a Hospital, Physician or other provider that are required to identify or treat Your illness or Injury and which, as determined by Us are: 1) consistent with the symptom or diagnosis and treatment of Your condition, disease, ailment or Injury; 2) appropriate with regard to standards of good medical practice; 3) not solely for the convenience of You, a Physician or other provider; 4) the most appropriate supply or level of service which can be safely provided to You. When applied to the care of an Inpatient, it further means that Your medical symptoms or condition requires that the services cannot be safely provided to You as an Outpatient. "Mental or Nervous Health Disorders" means an emotional or mental disorder which, according to generally accepted medical professional standards, is susceptible to treatment. "Normal Pregnancy or Childbirth" means a pregnancy or Childbirth which is free of any complications or problems if such are indicated and supported by a Physician's statement. "Outpatient" means someone who receives services or supplies while not an Inpatient. "Other Licensed Providers" means any person or entity other than a Hospital or Physician which is licensed, where required, to render medical or dental services. "Physician" means a person who is licensed and legally entitled to practice medicine in the applicable field for which services are delivered. "Pre-existing Conditions" means 1) Any injury occurring prior to and including the effective date of Your insurance; and 2) Any illness occurring during the sixty days prior to and including the effective date of Your Insurance for which medical treatment has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment. However, if the condition is controlled (that is, not exhibiting symptoms or requiring the adjustment of treatment or medication) throughout the sixty-day period by the taking of prescription drugs or medications and travel restrictions are not advised by a Physician, then the medical condition will not be considered as pre-existing. For the purposes of determining any Pre-existing Conditions, the effective date of Your Insurance will be Your Trip Cancellation Insurance effective date, if Trip Cancellation Insurance is purchased. "Reasonable and Customary Charge" means a charge in an amount consistently made by other vendors/providers for a given service in the same geographic area and which reflects the complexity of the service taking into account availability of experienced personnel, availability of services or parts, and with respect to Collision Damage Insurance, reflects the effort of the vendor/provider to repair the damaged vehicle (as measured by the ratio of total repair time to total time the vehicle is in the vendor/provider's possession). "Rental Car" means a land motor vehicle with four or more wheels, which is designed for use mainly on public roads and which You have rented for the period of time shown on the Rental Car Agreement. It does not include: 1) vehicles not required to be licensed; 2) trucks, campers, jeep-type vehicles, trailers, off-road vehicles, motorbikes, recreational vehicles, vans or minivans mounted on a truck chassis; 3) antique cars (meaning cars which are over 20 years old or have not been manufactured for 10 or more years); 4) limousines; 5) expensive or exotic cars (except when rented outside the United States), nor; 6) vehicles used for commercial or livery use whether or not licensed for such use (commercial use includes hauling or transporting material goods necessary to or reasonably considered to be engaged in a commercial or livery use). "Rental Car Agreement" means the entire contract You receive when renting a car from a rental car agency which describes in full all of the terms and conditions of the rental, as well as the responsibilities of all parties under the Rental Car Agreement. "Scheduled Departure Date" means the date You selected to begin travel as shown on Your application and for which paid travel arrangements have been made. "Terrorist Incident" means a terrorist act committed by an organized terrorist group (recognized as such by the U. S. State Department) that results in property damage, Injury or loss of life. The incident must take place in a foreign city in which You are scheduled to arrive within 10 days following the incident. "Traveling Companion" is a person traveling with You who must be listed on Your application or who shares the same accommodations as You. "Traveling Companion's Family Member" is a Family Member of a Traveling Companion, as defined. "Traveling Family Member" is Your spouse, and any of Your unmarried children under age 18, including stepchildren, legally adopted children or grandparents and grandchildren when traveling together without a parent. Any unmarried dependent child, regardless of age, who is incapable of self-sustaining employment by reason of mental illness, developmental disability, mental retardation or physical handicap and who became so incapable prior to age 18 shall, be eligible for coverage. PART II. EFFECTIVE DATE Insurance shall be effective at 12:01 A.M. on the date the scheduled trip begins. Trip Cancellation coverage, if purchased, begins the day after Your application is postmarked, Your telephone order is placed, or Your faxed order is received, and Your application is accepted. In no event will coverage be effective if all premiums due have not been received prior to the Scheduled Departure Date or prior to the trip cancellation date if You cancel Your trip or it is canceled for any reason. PART III. TERMINATION DATE Coverage ends at midnight on the date of return selected, or upon return to Your city of residence or when the trip is canceled, whichever is earliest. If return is delayed for any covered reason, coverage is extended until You are able to return to Your city of residence. The day You depart and the day You return are counted and included as separate days when determining duration of coverage. PART IV. FAMILY COVERAGE If Family Coverage is purchased, as reflected on Your application, the Family Members eligible for coverage under this Policy are those defined as Traveling Family Members. PART V. DESCRIPTION OF COVERAGE The following insurance benefits are designed to protect You against situations or losses which result from sudden and unexpected conditions or events. The benefits do not cover conditions or events which, on the date of purchase, are either known to You or are likely to occur. A. Emergency Medical and Dental Care Expense: A maximum benefit of up to the amount listed in the Letter of Confirmation is provided for covered Emergency Medical or Dental expenses incurred as a result of accidental Injury or illness occurring during the Coverage Period. Coverage is subject to the Deductible amount shown in Your Letter of Confirmation. Covered expenses are those incurred for healthcare services or supplies provided by licensed Physicians, Dentists, Hospitals, and Other Licensed Providers, which are Medically Necessary for: 1) Emergency Medical Care to treat any medical condition which is acute (onset is sudden and unexpected) and considered life-threatening or, if left unattended, could deteriorate resulting in serious and irreparable harm, even death. If You received covered emergency medical treatment during the trip, additional medical expenses resulting from this accidental Injury or illness will be covered if incurred within one year following the date of first treatment. 2) Emergency Dental Care to treat any dental condition resulting from Injury, infection, breakage of tooth surface, or loss of filling. Only dental expenses incurred during the trip are covered. A medical or dental visit or examination by a licensed provider must take place during the trip. Benefits can be assigned at the Company's discretion up to the maximum amount and may be coordinated with any other secondary coverage applicable to You. Please read Part VI for what is not covered under this Policy. B. Trip Cancellation/Trip Interruption, Travel Delay, Missed Cruise Connection, Baggage Insurance, Baggage Delay, Trip Inconvenience, Vacation Delay, Collision Damage Insurance, Accidental Death and Dismemberment, Flight Insurance and Lost Ticket Coverages B. 1. Trip Cancellation/Trip Interruption Trip Cancellation coverage provides benefits for covered expenses You incur for trips canceled up to the time of Your Scheduled Departure Date. Trip Interruption coverage provides benefits for expenses You incur for trips canceled after Your departure. A maximum benefit of up to the amount indicated in Your Letter of Confirmation is provided to cover certain expenses listed below which are associated with cancellation or interruption of Your trip due to: 1) an Injury or medical condition (whether or not death results) requiring You, a Family Member, Traveling Companion or Traveling Companion's Family Member to receive treatment by a licensed Physician who advises cancellation or interruption of the trip. This licensed Physician may not be You, a member of Your or Your Traveling Companion's immediate family, or an immediate family member of the person whose condition caused the cancellation or interruption; an actual examination or visit must take place before the cancellation or interruption is made; and You must notify the appropriate travel supplier(s) of cancellation or interruption within 72 hours, unless the condition prevents it, and then as soon as possible. Failure to do so will result in a claims payment which is less than the penalty imposed for cancellation if the amount of the penalty was increased by your failure to notify the appropriate travel supplier within the required time frame; 2) Financial default of a tour operator, airline or cruise line provided that: a. On the date Your Trip Cancellation coverage commences, the tour operator, airline or cruise line was approved for the financial default coverage by the Company. For a current list of approved suppliers refer to www.accessamerica.com, or call 1-800-284-8300; and b. The insurance was purchased within 14 calendar days of the initial trip deposit or payment; and c. The financial default must result in a complete cessation of services. The Company will not cover losses resulting from a financial default of the person, organization, agency or tour operator, or their affiliated companies, that solicited this coverage, and/or Your insured travel arrangements to You. Financial default occurring on or before Your Trip Cancellation coverage commences or less than 7 days after Your Trip Cancellation coverage commences is not covered. The Company reserves the right to substitute a trip of similar value in lieu of cash payment. 3) bad weather, strikes or natural disasters resulting in a complete cessation of travel services for at least 24 consecutive hours; 4) You, a Traveling Family Member or Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, or having his or her home made uninhabitable by fire or flood; 5) You, a Traveling Family Member or Traveling Companion being directly involved in a traffic Accident while en route to departure; 6) a Terrorist Incident in a foreign city to which You are scheduled to arrive within 10 days following The Terrorist Incident and, for Trip Interruption coverage, if Your Tour Operator (if applicable) does not offer a substitute itinerary; 7) You or a Traveling Companion, who are on Active Military Duty in the United States Armed Forces: a) having Your personal leave revoked within 10 days prior to Your departure date (as long as such revocation is in writing by a superior officer and is not due to war-related situations, invocation of the War Power Act, base or unit mobilization, unit reassignment for any reason, or disciplinary action); or b) personal reassignment within 10 days prior to Your departure date, whether temporary or permanent; 8) You or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to Your departure date; 9) You or a Traveling Companion, after having been with the same employer for at least three continuous years, are terminated or laid off, through no fault of Your own, after Your effective date of insurance. Coverage is for: a) non-refundable trip payments or deposits made by You or a Traveling Family Member if the trip is canceled; b) the additional cost incurred resulting from a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion's trip is canceled or interrupted for a covered reason under this Policy and Your trip is not; c) reasonable, additional accommodations and transportation expenses, up to $100 per day, if a Covered Traveling Family Member or Traveling Companion must remain hospitalized; d) reasonable, additional travel costs for You or a Traveling Family Member to reach the original destination if Your trip is delayed for a covered reason and Your departure occurs after the Scheduled Departure Date; e) reasonable, additional transportation expenses incurred in order to reach the return destination or to travel from the place the trip was interrupted to the place where the trip can be rejoined and the unused portion of any non-refundable land and sea arrangements that were paid as part of the trip. The benefits provided under (d) and (e) above will not exceed the cost of economy airfare by the most direct route on the next available carrier, less any refunds paid. Benefits will not be paid under this Policy for any costs for which You have received full or partial reimbursement from another party. When a Physician advises You to cancel Your trip, You must notify the appropriate travel supplier(s) of Your cancellation within 72 hours, unless the condition prevents it, and then as soon as possible. Please read Part VI for what is not covered under this Policy. B. 2. Travel Delay: Benefits are limited to $100 per day per policy up to the amount shown in Your Letter of Confirmation on a one-time basis for reasonable, additional accommodations and traveling expenses incurred if Your travel arrangements are delayed for twelve (12) hours or more due to: 1) You, a Traveling Family Member or Traveling Companion being delayed by, but not directly involved in, a traffic Accident while en route to a departure; 2) carrier caused delay (including bad weather); 3) lost or stolen passports, money or travel documents; 4) quarantine; 5) hijacking; 6) unannounced strike; 7) natural disaster; 8) civil commotion or riot. Please read Part VI for what is not covered under this Policy. B. 3. Missed Cruise Connection: Benefits are limited to $100 per day per policy up to the amount shown in Your Letter of Confirmation on a one-time basis for reasonable, additional accommodations and traveling expenses incurred if You miss a cruise connection due to the cancellation or delay of a regularly scheduled airline flight due to bad weather. Coverage is secondary to any coverage provided by a Common Carrier. Please read Part VI for what is not covered under this Policy. B. 4. Baggage Insurance: Benefits will be paid as shown in Your Letter of Confirmation on a one-time basis for lost, damaged, or stolen baggage, provided You have exercised Due Diligence at all times; have notified appropriate local authorities within twenty-four (24) hours after the loss, damage or theft occurs, informing them of the value and description of the property; and have filed Written Proof of Loss with Us within thirty (30) days of Your return home, attaching copies of airline, cruise line or Common Carrier claim forms, police reports, available receipts for items lost or other appropriate documentation as may be required. Coverage is secondary to any coverage provided by an airline, cruise line or Common Carrier. The program will pay the lesser of: 1) the actual purchase price of the item; or 2) the Actual Cash Value of the item at the time of loss, which includes deduction for depreciation (for non-receipted items, the benefit will be up to 75% of the determined depreciated value); or 3) the cost to repair or replace the item. Please read Part VI for what is not covered under this Policy. B. 5. Baggage Delay Insurance: Benefits will be paid as shown in Your Letter of Confirmation on a one-time basis if Your baggage is delayed or misdirected for 24 or more hours for the reasonable, additional purchase of essential items. Verification of the delay by the Common Carrier and receipts for the emergency purchases must be provided. Please read Part VI for what is not covered under this Policy. B. 6. Trip Inconvenience: Benefits will be paid on a one-time $100 per policy basis if any one of the following events occur during the Coverage Period: a) You are admitted to the Hospital as an Inpatient; b) You are the victim of a Felonious Assault; c) You are involved in an automobile Accident, caused by another vehicle, while traveling in Your personal automobile (owned or rented); d) Your passport is lost or stolen during the Coverage Period; e) Your sporting equipment, which is checked with a Common Carrier, being delayed by a Common Carrier for more than 24 hours after You have reached Your trip destination. Please read Part VI for what is not covered under this Policy. B. 7. Vacation Delay: Benefits are limited to $100 per day per policy up to the amount shown in Your Letter of Confirmation on a one-time basis for reasonable, additional accommodations and traveling expenses incurred if Your travel arrangements are delayed for six (6) hours or more due to: 1) You, a Traveling Family Member or Traveling Companion being delayed by, but not directly involved in, a traffic Accident while en route to a departure; 2) carrier caused delay (including bad weather); 3) lost or stolen passports, money or travel documents; 4) quarantine; 5) hijacking; 6) unannounced strike; 7) natural disaster; 8) civil commotion or riot. Please read Part VI for what is not covered under this Policy. C. Collision Damage Insurance: Coverage is provided for up to $25,000 for a) physical damage to a Rental Car which occurs while You are driving or while the Rental Car is left unattended during the Rental Period ("You" as used in this benefit description refers to You and to any licensed drivers who are designated as an authorized driver on the Rental Car Agreement); b) Reasonable and Customary Charges which may be imposed by the car rental company while the Rental Car is being repaired, and c) any loss or damage to the Rental Car resulting from causes other than collision (for example: fire, storm, vandalism, or theft). Coverage is provided up to $25,000 for the lesser of: 1) the contractual liability assumed by You with the owner of the Rental Car; 2) the Actual Cash Value, or 3) the Reasonable and Customary Charges of repair or replacement. Rental charges for a reasonable period while the car is being repaired are also covered. At the Insurance Company's option, this coverage may pay for, repair or replace damaged property. This coverage is excess over any other collectible insurance including coverage on an automobile You own. When two or more policies cover on the same basis, either excess or primary, this coverage will pay only the amount of the covered loss not paid by the other policies. This coverage bears to the total of the limits of all the policies covering on the same basis. If no other insurance is applicable, this coverage will provide the lesser of (a) the reasonable and customary cost of repairs or, (b) the Actual Cash Value of the Rental Car. At our option, this coverage will either pay for repairs, or replace damaged property. Please read Part VI for what is not covered under this Policy. D. Accidental Death and Dismemberment: This coverage will pay the following percentage of Your Travel Accident benefit shown on Your Letter of Confirmation if You are injured in an Accident which occurs during covered travel and You suffer one of the losses shown on Your application within 365 days of the Accident. Loss of Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100% Loss of Both Hands or Both Feet . . . . . . . . . . . . . . . . . . . . 100% Loss of Entire Sight of Both Eyes . . . . . . . . . . . . . . . . . . . 100% Loss of One Hand and One Foot . . . . . . . . . . . . . . . . . . . . 100% Loss of One Hand and Entire Sight of One Eye . . . . . . . . . . 100% Loss of One Foot and Entire Sight of One Eye . . . . . . . . . . 100% Loss of One Hand or One Foot . . . . . . . . . . . . . . . . . . . . . 50% Loss of Entire Sight of One Eye . . . . . . . . . . . . . . . . . . . . 50% If You suffer more than one loss from an Accident, benefits will be paid for only one loss, that being the greatest amount. "Loss" as above used with reference to hand or foot means the actual, complete and permanent severance through or above the wrist or ankle joint; and as used with reference to eye means irrecoverable loss of entire sight thereof. If You are not found within one year after the disappearance, forced landing, stranding, sinking or wrecking of a conveyance in which You are riding at the time an Accident occurred, Accidental Death benefits will be payable. Please read Part VI for what is not covered under this Policy. E. Flight Insurance (Optional): Coverage is effective for the flights for which this program was purchased. Coverage applies: While You are riding, boarding or alighting as a ticketed passenger on a certified passenger aircraft provided by a regularly scheduled airline on any regularly scheduled trip or charter. If a loss occurs within 180 days of a covered Accident, the program will pay the full amount (as listed in Your Letter of Confirmation), in lump sum, for loss of life or loss of both hands or both feet, or loss of both eyes. One-half of the full amount will be payable for loss of one hand or one foot or one eye. Loss of hand or foot means actual complete and permanent severance through or above the wrist or ankle joint; and with respect to the eye, means irrecoverable loss of entire sight. Benefits will be payable for only one loss, that being the greatest amount. The aggregate limit of benefits for any one air travel Accident is $10,000,000. Loss of life benefits are payable to the first of the following: spouse, children, parents, estate. All other benefits will be payable to You. Please read Part VI for what is not covered under the Policy. F. Lost Ticket Coverage: The Company will reimburse the insured up to the maximum amount shown in Your Letter of Confirmation for penalties charged by an airline for a reissued ticket, if the insured's airline ticket is lost or stolen while on a covered trip. Please read Part VI for what is not covered under the Policy. PART VI. EXCLUSIONS GENERAL PROGRAM EXCLUSIONS: Coverage will not be provided under this Policy for any loss, Injury or illness due to: 1) intentionally self-inflicted harm, or suicide or any attempt thereat; 2) Normal Pregnancy or Childbirth, as defined; 3) Mental or Nervous Health Disorders, as defined; 4) alcohol, substance abuse, or related illnesses; 5) war (whether declared or undeclared), acts of war, active duty in the armed forces (except as provided for under Trip Cancellation/Trip Interruption), civil disorder or unrest; 6) participation in professional athletic events or motor competition, including training; 7) losses due to expected or foreseeable events. A. Emergency Medical and Dental Expense: In addition to the General Program Exclusions, no benefits will be provided for services, supplies or charges: 1) for non-emergency services, supplies, or charges; 2) for services, supplies or charges rendered by a member of Your immediate family; 3) for Pre-existing Conditions, as defined in this Policy; 4) not prescribed by or performed by or upon the direction of a Physician or Dentist; 5) not Medically Necessary; 6) rendered by other than Hospitals and Physicians or Dentists; 7) which are experimental/investigative in nature; for any illness or bodily Injury which occurs in the course of employment if benefits or compensation is provided, in whole or in part, under the provisions of any legislation of any governmental unit (this exclusion applies whether or not You claim the benefits or compensation and whether or not You recover losses from a third party); 8) to the extent benefits are provided by any governmental agency or unit (except Medicare); 9) for which You would have no legal obligation to pay in the absence of this or any similar coverage; 10) rendered prior to the Coverage Period; 11) provided by a Traveling Companion. B. Trip Cancellation/Trip Interruption, Travel Delay, Missed Cruise Connection, Baggage Insurance, Baggage Delay, Trip Inconvenience, Vacation Delay, Collision Damage Insurance, Accidental Death and Dismemberment, Flight Insurance and Lost Ticket Coverages B. 1.Trip Cancellation/Trip Interruption: In addition to the General Program Exclusions, no coverage will be provided for losses due to 1) Injury or illness to You, a Family Member, Traveling Companion or Traveling Companion's Family Member resulting from a Pre-existing Condition. If you purchased a program where Pre-existing conditions are waived, We will cover these Pre-existing Conditions provided: a. The insurance was purchased within fourteen calendar days of the initial trip payment; b. The amount of Trip Cancellation coverage originally purchased equals the full cost of all trip arrangements; c. On the date of purchase of insurance, You were medically stable and You had not filed a claim for Trip Cancellation due to a pre-existing illness within 60 days prior to the purchase of insurance. If You do not meet the above criteria, You may still be covered for Trip Cancellation or Trip Interruption caused by reasons other than those related to the Pre-existing Condition. 2) You, a Family Member, Traveling Companion or Traveling Companion's Family Member: making changes to personal plans; having a business or contractual obligation; being unable to obtain necessary travel documents (passports, visa, etc.); being detained or having property confiscated by any Customs authority; 3) carrier caused delays (including bad weather); 4) prohibition or regulation by any government; 5) the issuance of travel advisories, bulletins or alerts; war or acts thereof; civil disorder, riot or unrest; bomb scares or threats of terrorist activity; or terrorist acts against any Common Carrier (e.g., airline or cruise line) are not covered; 6) a Felonious Assault inflicted by You, a Family Member, Traveling Companion or Traveling Companion's Family Member. B. 2. Travel Delay: In addition to the General Program Exclusions, no coverage will be provided for losses resulting from delays of less than twelve (12) hours duration, pre-paid expenses, nor will coverage be provided for any reasons other than those stated herein. B. 3. Missed Cruise Connection: In addition to the General Program Exclusions, no coverage will be provided for losses resulting from delays of less than three (3) hours duration or because You canceled the trip even though You were able to make the cruise connection. B. 4. Baggage Insurance: In addition to the General Program Exclusions, no coverage will be provided for defective materials or workmanship, ordinary wear and tear and normal deterioration. Benefits will not be paid for the following property: 1) animals; 2) automobiles and equipment, motorcycles and motors; 3) bicycles, skis, and snowboards (except when checked with a Common Carrier); 4) aircraft, boats or any other vehicles or conveyances; 5) eyeglasses, sunglasses, contact lenses, hearing aids, artificial teeth and limbs; 6) tickets, keys, money, securities, bullion, stamps, credit cards, documents (travel or otherwise) and deeds; 7) property shipped as freight or shipped prior to Your Scheduled Departure Date; 8) more than $1,000 for all jewelry, watches, gems, furs, cameras and camera equipment, camcorders, sporting equipment, computers, radios and other electronic items; 9) perishables and consumables 10) medicines; 11) cosmetics. B. 5. Baggage Delay: No coverage will be provided for losses due to any General Program Exclusion nor will coverage be provided for any reasons other than those stated herein. B. 6. Trip Inconvenience: No coverage will be provided for losses due to any General Program Exclusion nor will coverage be provided for any reasons other than those stated herein. B. 7. Vacation Delay: In addition to the General Program Exclusions, no coverage will be provided for losses resulting from delays of less than six (6) hours duration, pre-paid expenses, nor will coverage be provided for any reasons other than those stated herein. C. Collision Damage Insurance: In addition to the General Program Exclusions, no coverage will be provided for: 1) any obligation You assume under any agreement (other than the deductible obligation under Your personal automobile insurance policy); 2) the rental of a vehicle which does not meet this Policy's definition of a "Rental Car"; 3) any collision that occurs while You are in violation of the Rental Car Agreement; 4) losses covered by any insurance coverage and/or collision damage insurance purchased through the car rental agency; 5) rentals or any leases exceeding 30 consecutive days; 6) any loss due to the lack or absence of Due Diligence; 7) wear and tear, freezing, mechanical or electrical breakdown unless caused by other loss covered by this Policy; or 8) blowouts, punctures or other road damage to tires unless caused by other loss covered by this Policy. Coverage is not available to individuals who have personal automobile insurance and live in a state under whose law such coverage automatically provides coverage of rental autos, including waiver of any collision damage deductible, or where generally prohibited by law. The coverage provided by this Policy is subject to the following conditions: 1.Duties After Accident or Loss: You must notify the hotline center immediately of any loss. The Company must be told how, when and where the loss occurred. Additionally, You must do the following: i. Report the loss to the police; ii. Permit the Company to inspect and appraise the damaged property before its repair or disposition; iii. Do what is reasonably necessary after loss at the Company's expense to protect the Rental Car from further loss; iv. Submit a proof of loss as required. 2.The Company's Right to Recover From Others: If payments are made, We are entitled to recover what was paid from other parties or persons. Any party or person to or for whom We make payment must transfer to us his or her rights of recovery against any other party or person. This party or person must do everything necessary to secure these rights and must do nothing that would jeopardize them. 3.Transfer of Interest in this Policy: Your rights and duties under this Policy may not be assigned without Our written consent. D. Accidental Death and Dismemberment Insurance: In addition to the General Program Exclusions, no coverage will be provided for loss caused by or resulting from: 1) Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation except as specifically provided in this Policy; 2) insurrection, rebellion, or active participation in a riot; 3) service with or in the armed forces of any country. E. Flight Insurance: (Optional): In addition to the General Program Exclusions, no coverage will be provided for losses resulting from: 1) Intentionally self-inflicted injuries or any attempt thereat while sane or insane; 2) Suicide while sane or insane; 3) Disease or illness; 4) War, whether declared or undeclared; 5) Terrorism; 6) Military duty, civil disorder or unrest; 7) Commission of or attempt to commit an illegal act by or on behalf of the covered person or his beneficiaries; or 8) Travel on any device for aerial navigation except as specially provided for in this coverage. F. Lost Ticket Coverage: In addition to the General Program Exclusions, no coverage will be provided for penalties charged for changes to travel itineraries or changes in ticket grades (upgrades, etc.). PART VII. CLAIM PROVISIONS Notification of and Payment of Claims: If any covered loss occurs, official notice must be provided to Us within 45 days of the loss, or as soon after that as is reasonably possible. This notice should state Your name. Notice given by or on behalf of You to the Company or to any authorized agent of the Company, with information sufficient to identify You shall be deemed notice to the Company. Claim Forms: Upon receipt of a notice of claim, We will furnish to You such forms as are usually furnished for filing proof of loss. If such forms are not furnished within 15 days after the giving of such notice, You shall be deemed to have complied with the requirements of this Policy as to proof of loss upon submitting, within the time fixed in the Policy for filing proof of loss, written proof covering the occurrence, the character and the extent of the loss for which the claim is made. Proof of Loss: Written Proof of Loss including any required information necessary to support a claim must be furnished to the Company at its said location within 90 days after the date of such loss. Failure to file such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible. With respect to Baggage Insurance, action for the recovery of any baggage claim at law or equity must be started within 30 days of Your return home and fully substantiated within 12 months after Your discovery of the loss; provided, however, that if the laws of Your state invalidate this limitation, then any such claims shall be void unless such action starts within the shortest limit of time permitted by the laws of Your state. Time of Payment of Claims: Benefits payable under this Policy for any loss will be paid immediately upon receipt of due written proof of such loss. Payment of Claims: All benefits payable will be paid to the Covered Person or, in the case of death, to the beneficiary as stated herein. Beneficiary: Your beneficiary or beneficiaries shall be as designated in writing by You at the time of Your application for this Policy. If no designation has been made, then Your estate will be the beneficiary. Legal Actions: No action at law or in equity shall be brought to recover on this Policy prior to the expiration of sixty days after Written Proof of Loss has been furnished in accordance with the requirements of this Policy. No such action shall be brought after the expiration of three years after the time Written Proof of Loss is required to be furnished. Release of Information: You agree that any person or entity having information relating to any loss for which benefits are claimed under this Policy may furnish to Us upon Our request, any information (including copies of records) relating to the loss. We may furnish similar information to others providing similar benefits. Company's Right to Recover from Others: If payments are made to You for any loss which is also payable under the Collision Damage Insurance coverage provided by this Policy, the Company is entitled to recover what was paid from other parties or persons. Any party or person to or for whom the Company makes payment must transfer to the Company his or her rights of recovery against any other party or person. This party or person must do everything necessary to secure these rights and must do nothing that would jeopardize them. PART VIII. STANDARD POLICY PROVISIONS Entire Contract; Changes: This Policy, including any endorsements and attached papers, constitutes the entire contract of insurance. No change in this Policy shall be valid until approved by an executive officer of the Company and unless such approval is endorsed and attached hereto. No agent has authority to change this Policy or to waive any of its provisions. Time Limit on Certain Defenses: After two (2) years from the date of issue of this Policy no misstatements, except fraudulent misstatement, made by You in the application for this Policy shall be used to void the Policy or to deny a claim for loss incurred commencing after the expiration of such two (2) year period. Assignment: The insurance provided hereunder is not assignable, but benefits may be assigned. Conformity with State Statutes: Any provision of this Policy which, on its effective date, is in conflict with the statutes of the state in which this Policy was delivered or issued for delivery is hereby amended to conform to the minimum requirements of such statutes. Other Insurance With Us: If You have insurance with this Company at any one time for the same or similar coverage, Our responsibility will be for only one Policy and We will return any premiums paid for any other coverages or Policies. Concealment or Misrepresentation: This entire Policy will be void if, before or after a loss, You have concealed or misrepresented any material fact or circumstances relating to this Policy. Cancellation: You may cancel this Policy by sending Us advance written notice stating the date You want it to be canceled. We may cancel this Policy by mailing written notice to You at least 30 days (10 days if Your contract has been in effect for less than 60 days) before the effective date of the Cancellation. We will mail the notice to You at the address shown on Your application. Notice sent by Registered or Certified Mail, Return Receipt Requested to You at that address will be considered sufficient notice. Delivery of the notice will be considered the same as mailing. When You cancel, We will retain as much of the premium as would have been charged for the shorter period which the Policy remains in force. We will return the rest of the premium to You. When We cancel, We will return premium pro rata within 15 days of notice of cancellation; if an investigation is necessary, return will be made as soon as practicable. Extension: If the insured property is under check of a Common Carrier and delivery is delayed, this Policy will continue until such property is delivered to You. No Benefit to Bailee: This Policy shall in no way inure directly or indirectly to the benefit of any carrier or other bailee. PART IX. SCHEDULE OF BENEFITS DESCRIPTION OF TRAVEL ASSISTANCE SERVICES Our goal is to provide immediate help for common travel problems almost everywhere in the world. However, despite our best efforts, situations arise which are beyond our control and under these circumstances we can only promise to make every reasonable effort to help you resolve your problems. The hotline center staff will do their best to refer you to appropriate medical and legal providers. However, we cannot be held responsible for the quality or results of any medical or legal services provided by these independent practitioners. If you are in trouble and need help: 1. Call the hotline. In the U.S., Canada, Puerto Rico and U.S. Virgin Islands, call (800) 654-1908. From all other locations call collect (519) 741-5549. If your emergency is immediate and life-threatening, seek local emergency assistance at once and contact the hotline as soon as possible. 2. Have the following information ready for the hotline coordinator: your name and confirmation number; your location and local telephone number. The hotline coordinator will confirm your enrollment and provide you with assistance. Note: In some countries it may not be possible to call collect. If you must phone the hotline directly, give your location and phone number to the hotline coordinator who will call you back. Medical Assistance: If you have medical problems and are unable to find local care, we will refer you to a local physician, dentist, hospital, medical facility or other appropriate resource, when available. Medical Consultation and Monitoring: If you are hospitalized, the hotline center medical staff will maintain contact with you and your local physician to get information on the care you are receiving and to determine the need for further assistance. We will also contact your personal physician and family at home, if necessary. On-Site Hospital Payments: We will guarantee payments up to the amount provided in medical expense coverage (see Emergency Medical and Dental Benefits) for covered medical conditions, if needed, to secure your medically-necessary admission to a hospital. Emergency Medical Transportation: All medical transportation services must be authorized in advance and organized by the Access America Hotline Center. In the event that the medical transportation services are not authorized in advance and organized by the Access America Hotline Center, we will only pay up to $5,000. We will arrange and pay for medical transportation services (specified below) required by you as a result of an injury or illness which occurs during the coverage period and requires medical evacuation and/or repatriation. A medical evacuation is defined as you being transported to the nearest appropriate medical facility as a result of our consulting physician and the local attending physician's determination that adequate treatment is not available locally. A medical repatriation takes place once you have received medical care and the local attending physician and our consulting physician determine you are able to return home. All medical transportation services are provided only if they are determined to be medically necessary by the hotline center medical staff in consultation with the local attending physicians. We will arrange and pay, up to the amount indicated in your Letter of Confirmation, unless otherwise specified below, for the following services and expenses: a) reasonable and necessary medical services required for your medical evacuation to an appropriate facility nearest to the place where the injury or illness occurred; b) reasonable and necessary escort expenses required by you during a medical evacuation, if this service is deemed medically necessary by our consulting physician and the local attending physician; c) if our consulting physician and the local attending physician anticipate that you will be hospitalized for more than seven consecutive days, we will pay for either the cost of a round trip economy airline ticket over the most direct route to bring a friend or family member to your bedside, or the cost to return accompanying dependents under 23 years of age back to their home; d) the cost of an economy class ticket, or reasonable and necessary transportation costs, to repatriate you back home, less refunds from any unused return trip tickets, up to a maximum of $2,500 unless stated otherwise in your Letter of Confirmation.; e) the cost of reasonable and necessary services for the transport of your remains from the place of death to your place of residence. Vehicle Return Benefit Coverage is provided for the cost of transporting your personal automobile back to your primary residence when an unexpected illness or injury prevents completion of your trip. You must be under the direct care and attendance of a licensed physician recommending that due to the severity of your condition, it is medically necessary that you interrupt the motor vehicle trip. The automobile must be operable. An accredited professional transport company must perform transportation or contact the Access America Hotline Center and we will make the arrangements to have your vehicle transported. Vehicle Return Coverage is secondary to other insurance or indemnity covering the loss. Coverage is not provided: 1. If transport could have been performed by a family member or a traveling companion, if it were possible to do so; 2. For rental vehicles; or 3. For loss(es) incurred as a result of any General Program Exclusion. Please refer to your Letter of Confirmation to determine which benefits are specifically included within the plan you purchased and their corresponding maximum amount of coverage. Travel Document and Ticket Replacement Assistance: The programs provide you with information to assist in obtaining replacements of lost passports or other important travel documents. We also help you toe place lost airline and other travel tickets and will assist you in obtaining money for this purpose. These funds will come from your family or friends. If possible, we will make all the necessary arrangements for you, including helping you to return home if your trip is interrupted. Legal Assistance: If you have legal problems, our hotline center staff will help you find a local legal advisor. If you require the posting of bail or immediate payment of legal fees, we will help arrange a cash transfer from your family or friends. Emergency Cash Transfer: If your cash or traveler's checks are lost or stolen, or if you need funds for the immediate payment of unanticipated expenses, we will help arrange to have emergency cash (in currency, traveler's checks or any other form acceptable to us) transmitted to you in a timely fashion. These funds will come from your family or friends. Our hotline center staff will make all the necessary arrangements for you. Emergency Message Service: In the event of an emergency, call the hotline center, identify yourself by your identification or confirmation number, and give the hotline coordinator your message. We will make at least 3 attempts in 24 hours to reach your requested party, and we will provide you with an update on the disposition of our attempts to deliver the message. (We are not responsible for delivery of a message if the recipient cannot be reached.) This service can be used for trips anywhere in the world. Flight Information: If you are faced with a canceled or missed flight, our hotline center staff will help you get information about scheduled departure and arrival times for alternate, direct flights. However, we do not book reservations or pay for tickets. This service can be used on trips within the U.S., Canada, the Caribbean and Mexico only. HOW TO FILE A CLAIM Please contact us at (800) 334-7525 to obtain a claim form. Please take note to gather the information below during your trip as it will be requested if you file a claim upon returning home: A. General Documentation 1. Receipts and itemized bills for all expenses. 2. Copies of any refunds or expense allowances received from your tour operator or common carrier. B. Emergency Hospital and Medical Claims Any explanation of diagnosis(es) along with your itemized bills and receipts as well as any other insurance payment(s). C. Trip Cancellation/Interruption Claims 1. Any appropriate documentation which officially explains the cause of your trip cancellation or interruption. 2. Original unused tickets, copies of invoices, proof of payments, and other documents which substantiate the cost of the trip cancellation or interruption. 3. Documentation of refunds received from the travel supplier(s) and/or common carrier(s). 4. Copy of the supplier's literature which describes penalties. D. Travel Delay or Missed Connection Claim Copy of a police or common carrier report which verifies the cause and duration of the delay. E. Baggage Insurance Claim 1. Copy of the claim determination from the common carrier, if applicable. 2. Copy of the police report. F. Baggage Delay Claims Proof from the common carrier that personal baggage was delayed or misdirected for at least 24 hours. G. Collision/Loss Damage Insurance Claims 1. Copy of the police report. 2. Copy of the rental car agreement. 3. An itemized statement of repairs for the rental vehicle (unless our adjuster has seen the car). H. Trip Inconvenience Claims 1. If admitted to a hospital, hospital billing records. 2. If the victim of a felonious assault or involved in a car accident, a police report. 3. If passport is lost or stolen, a receipt from the consulate proving paid application for a new passport. 4. If sporting equipment checked with a common carrier is delayed for more than 24 hours, supporting documentation from the common carrier. I. Vacation Delay Claims Same requirements as Travel Delay and Missed Cruise Connection. J. Travel Accident Claims Copy of death certificate. K. Flight Insurance Claims Copy of death certificate. On November 15th, Jefferson Insurance Company will begin underwriting many Access America travel protection plans in approximately 30 states. We will continue to use BCS Insurance, our existing underwriter, in the remaining states while we await approval.
Questions? Contact Lynott Tours at 1 (800) 221-2474 USA & Canada |
Please Email Us For Information
About Us Home Page Airfare / Groups Ireland & N. Ireland South Pacific Australia & New Zealand Site Map
Great Britain, England, Scotland, Wales & U.K. Specials Order a Brochure - Ask for a Price Quote