Travel Insurance

We strongly recommend you review your health insurance coverage before traveling overseas. Many policies, including Medicare, will not pay for services or hospitalization outside of the country or for emergency evacuation.

Because the unexpected does sometimes happen, we include travel insurance at no added cost on new bookings (some exceptions apply). After all, a vacation can be a big investment. Now you can travel worry-free.

Rates:

Trip Cancellation & Interruption Trip Cancellation and Interruption pays for forfeited, non-refundable, unused payments or deposits if due to:
• Sickness, Accidental Injury, or death of You, Your Traveling Companion, Family Member, or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
• You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, or having Your principal place of residence made uninhabitable by fire, flood, or other natural disaster.
• Strike that causes complete cessation of services. A Strike is foreseeable on the date labor union members vote to approve a Strike.
• Weather which causes complete cessation of services and prevents You from reaching Your destination.
• Natural disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
• Strike, resulting in the complete cessation of travel services at the point of departure and/or destination
• An Insured is terminated from employment subject to three years of continuous employment at the place of employment where terminated.
• If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 1-mile radius of the territorial city limits of the city to be visited by the program for which You have registered.
Trip Delay
Reimburses up to $100 a day for reasonable additional expenses if delayed for 12 hours or more due to:
• Carrier delay such as mechanical difficulties.
• Lost passport, money, or travel documents.
• Natural disaster.
• Injury or sickness of the Insured or Traveling Companion.

Missed Connection Reimburses up to the Maximum Benefit shown on the Schedule of Benefits if delayed for three to less than twelve hours to your point of departure due to:
• Inclement weather
• Common carrier causes cancellation or delay of all regularly scheduled airline flights. Baggage & Personal Effects
• Reimburses for loss, theft, damage, and mysterious disappearance of baggage and personal effects.
Baggage Delay
• Reimburses for the purchase of essential items if baggage is delayed or misdirected for more than 24 hours.

Emergency Medical Transportation
• Evacuation to nearest adequate medical facility or home if medically necessary.
• Transportation of remains upon death. Medical Expense
• Pays for physician, hospital, ambulance services, and prosthetic devices. Initial treatment must be received during trip. We will pay for covered expenses for up to one year from date of injury/sickness.
• Pays for emergency dental expenses during the trip.

Accidental Death & Dismemberment
• Covers death and loss of limb or eyesight within 180 days of an accident.

Travel Guard Assist* This is a non-insurance service.
• Advancement of funds to cover on-site medical expenses.
• Telephone interpretation services in major languages.
• Replacement of lost passport and other incidentals as may be required.
• Assistance to locate local physicians, dentists, or medical facilities.
• Professionals will monitor the Insured’s condition and contact their personal physician.
• Evacuation to a hospital, treatment facility, or back home.
• 24-hour emergency hotline. 24-hour LiveTravel® Assistance* LiveTravel – 24-hour hotline to make emergency travel changes once travel has commenced, such as rebooking flights, hotel reservations, tracking lost luggage and more!
Live Messaging – relay of e-mail or phone message to family, friends, or business associates. 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 your planned destination.
Emergency Cash Transfer – assistance in coordinating an emergency cash advance.
*Non insurance services are provided by Travel Guard Assist.

PRE-EXISTING MEDICAL CONDITION EXCLUSION APPLICABLE TO ALL COVERAGES “Pre-Existing Condition” means any injury, sickness or condition of the Insured, Traveling Companion, Family Member booked to travel with the Insured for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day period ending on the Effective Date. Conditions are not considered pre-existing if the condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

D E TAI L S O F C OVERAGE 4/09 P1 008526-SG 4/09
Underwritten by National Union Fire Insurance Company of Pittsburgh, PA, a Pennsylvania Insurance Company, NAIC No. 19445. This is only a brief description of the insurance coverage(s) available under Policy series T30253NUFIC-NY. 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. The policy covers trips up to 180 days in length. Effective Date: Trip Cancellation benefit will be effective at 12:01 a.m. on the day after the plan cost is paid to the travel agent. All other coverage will take effect on the date the insured leaves for their trip. Termination Date: All coverage ends on the earlier of: (a) the date the trip is completed; (b) the scheduled trip completion date; (c) the Insured’s arrival at the return destination on a round trip, or the destination on a one-way trip; or (d) cancellation of the trip covered by the policy.

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