Travel Guard®

T30361NUFIC-I

Thank You for Choosing Travel Guard! We are happy to be part of your trip

This document introduces you to the travel insurance policy and provides you with general information that may be helpful in understanding the policy. The policy is a legal contract between you and

National Union Fire Insurance Company of Pittsburgh, Pa which provides insurance coverage for your trip through its relationship with Travel Guard. Please be sure to read the policy thoroughly. It

includes a Schedule Page that shows the beneﬁts that are offered. It will also include a Declarations Page that shows the base policy beneﬁts and any additional beneﬁts you elected.

Requirements to Purchase a Policy

What You Should Know

And There’s More! Here’s what’s included

Be sure to read the policy carefully to understand your

coverage, and if you have any questions, let us know!

We are available 24/7 at 1.800.826.1300

TERMS OF THE INSURANCE POLICY WILL GOVERN IN THE EVENT OF A CONFLICT BETWEEN THE TERMS OF THIS DOCUMENT AND THE POLICY.

You are a U.S. resident at the time you buy the policy,

and are still a U.S. resident when you begin your Trip.

You must purchase the policy no later than 24 hours

prior to departure.

The policy covers speciﬁc Unforeseen events and

losses, and only under the conditions listed in the policy.

The policy is designed to reimburse you after a Loss is

incurred and a claim is ﬁled. The Payment of Claims

section supplies additional information on what is

needed to ﬁle a claim.

Please take note of the deﬁnitions for Trip Cost and

Cancellation Penalties. They explain how to

determine trip costs for different scenarios so you can

accurately insure the trip costs you have invested.

The policy uses the term “days” throughout the

document. With the exception of its usage with speciﬁc

times, like those used in the Effective and Termination

Dates section, e.g. 11:59 P.M. on the day before the

scheduled Departure Date, they will refer to the

actual number of days, regardless of the time of day.

For example, if you are traveling June 1st, June 2nd and

June 3rd, your trip length is 3 days, no matter what time

you leave or return.

We understand that trip plans can change. If your

dates of travel change, or you pay for additional trip

components, you must update your application with

us to include the additional trip components and/

or any other changes. You can easily do this online

at www.travelguard.com, or you can call us at

1.800.826.1300.If you travel without updating your

application and then ﬁle a claim, the beneﬁt payment

may be reduced.

Your policy may provide extra coverage, such as a

Pre-existing Medical Condition Exclusion Waiver, if you

purchase the insurance within 21 days of the initial trip

deposit. Check the Schedule or Declarations Page for a

complete list of beneﬁts and beneﬁt amounts.

If you ﬁnd that you don’t want this policy for any

reason, you can let us know by sending an email to:

refund@travelguard.com. If you do this within 15 days of

the Effective Date of the policy, we will refund the premium.

If you have a claim, you can ﬁle it online at

www.aig.com/travelclaims or contact us at

1.800.826.1300 between 7a.m. and 7p.m. Central Time.

If you need to contact Travel Guard for questions or

assistance during your trip, please call 1.715.345.0505.

You may call collect if you are calling outside of the U.S.

Schedule of Beneﬁts. This lists the base policy beneﬁts

and the amount of coverage for each beneﬁt, as well

as options you may add to your policy. Each of these

beneﬁts will pay up to the limit shown for covered losses.

Effective and Termination Dates. It’s important for

both of us to know when your coverage is active. This

section explains when each of the beneﬁts in the policy

start and when they end.

Deﬁnitions. You’ll notice that some words in this policy

are Capitalized, Bold and Italics. These are words

that have speciﬁc meanings in the policy, and it’s

important that you know exactly what they are. When

you see a capitalized, bold, italicized word, you can

ﬁnd the applicable meaning in the Deﬁnitions section.

Beneﬁts. Each beneﬁt in your policy will state the events

or losses we will cover. You will also ﬁnd an explanation

of the payments we will make if one of those events

occurs. Not every loss may be covered, and not every

expense incurred in a loss may be paid, so please read

the policy carefully.

Exclusions. The policy contains a General Exclusions

section that applies to all beneﬁts. Some beneﬁts will

include an exclusions section that will only apply to that

particular beneﬁt. The exclusions section lists the items or

types of losses that are not covered under the policy, so

be sure to read them as well to get a full understanding

of how your beneﬁts apply.

Pre-existing Medical Condition Exclusion Waiver.

If you have this coverage, it will waive the pre-existing

medical conditions exclusions in the beneﬁts where they

may otherwise not be covered. If you do not have this

coverage, please refer to the Exclusions sections to learn

how pre-existing conditions may affect your beneﬁts.

Payment of Claims. If you ﬁle a claim with us, this

section shows which documentation is required, and

how and where to send it.

General Provisions. This section explains contractual

details of the policy.

Services. In addition to the insurance coverage

provided by the policy, Travel Guard offers world-class

assistance services to our customers.

Travel Guard

TRAVEL GUARD PLUS

POLICY OF INSURANCE

Product Code: 939901 MN 11/20

Assistance Services

The following non-insurance services are provided by Travel Guard.

• Travel Medical Assistance • Worldwide Travel Assistance

• Concierge Services • Personal Security Assistance

Travel Guard

This document is only applicable to residents of Minnesota. If you are from any other state, click here to ﬁnd your

state-speciﬁc Policy, or call Travel Guard at 1.800.826.1300. To view and print a copy of our privacy notice, please

visit: www.travelguard.com/default/privacynotice.aspx

STATE AND PRIVACY NOTICE

PLEASE READ THIS DOCUMENT CAREFULLY!

This Policy is issued in consideration of your application and payment of the premium due.

This Policy describes all of the travel insurance beneﬁts underwritten by National Union Fire

Insurance Company of Pittsburgh, Pa., 175 Water Street, 15

Floor, New York, NY 10038

(herein referred to as the Company).

This Policy is a legal contract between the Insured and the Company. It is important that

you read your Policy carefully. Please refer to the Schedule or and Declarations Page. It

provides you with speciﬁc information about the insurance you purchased.

FIFTEEN DAY LOOK

You may cancel this insurance by giving the Company or the agent written notice within the

ﬁrst to occur of the following: (a) 15 days from the Effective Date of your insurance; or (b)

your scheduled Departure Date. If you do this, the Company will refund your premium paid

provided no Insured has ﬁled a claim under this Policy. After this 15 day period, the premium

is non-refundable.

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Policy.

This coverage is valid only if the appropriate cost has been paid.

Please keep this document as your record of coverage under the plan.

INDIVIDUAL TRAVEL PROTECTION POLICY

T30361NUFIC-RTP-2-MN 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

IMPORTANT

President Secretary

2 3

SECTION I

EFFECTIVE AND TERMINATION DATES

WHEN COVERAGE BEGINS

Pre-Departure Beneﬁts

Trip Cancellation coverages are effective at 12:01 A.M. Standard Time on the date following payment to the

Company of the required cost.

Post-Departure Beneﬁts

All other coverages will begin on the later of:

(a) 12:01 A.M. Standard Time on the scheduled Departure Date shown on the travel documents; or

(b) the date and time the Insured starts his/her Trip.

WHEN COVERAGE ENDS

Pre-Departure Beneﬁts

Trip Cancellation coverages end on the earlier of: (a) the cancellation of the Insured’s Trip; or (b) 11:59 P.M. on the

day before the scheduled Departure Date.

Post-Departure Beneﬁts

All other coverages end on the earliest of:

(a) the Insured’s arrival at the Return Destination, even if this occurs earlier than the scheduled Return Date; or

(b) the scheduled Return Date.

Maximum Limit Per Person

Trip Cancellation .................................................................................... 100% of Trip Cost up to a maximum of $150,000

Trip Interruption ...................................................................................... 150% of Trip Cost up to a maximum of $225,000

Trip Interruption - Return Transportation Only ............................................................................................................$1,000

Single Occupancy ....................................................................... up to 100% of Trip Cost up to a maximum of $150,000

Trip Delay .....................................................................................................up to $200 per day, to a maximum of $1,000

Missed Connection ....................................................................................................................................................... $1,000

Baggage Coverage..................................................................................................................................................... $2,500

Per-item restrictions apply, see beneﬁt wording for details.

Deductible .....................................................................................................................................................................$0

Baggage Delay ..............................................................................................up to $200 per day, to a maximum of $400

Travel Medical Expense ..........................................................................................................................................$100,000

Deductible .....................................................................................................................................................................$0

Dental ........................................................................................................................................................................$500

Physical Therapy .................................................................................................................................................. $2,000

T30363NUFIC-PT

Emergency Evacuation & Repatriation of Remains ........................................................................................... $1,000,000

Non-ﬂight Accidental Death & Dismemberment .....................................................................................................$50,000

Ancillary Evacuation Beneﬁts ......................................................................................................................................$1,000

Return Transportation .......................................................................................................................................... Included

Baggage Returm ................................................................................................................................................. Included

SCHEDULE OF BENEFITS

Extra Coverage

The following is included at no additional cost if the policy

is purchased within 21 days of Initial Trip Payment.

Pre-Existing Medical Conditions Exclusion Waiver Provides coverage otherwise excluded due to

pre-existing medical conditions

Optional Upgrades

The following will be included if elected and appropriate costs have been paid.

Cancel for Any Reason ............................................................50% of Trip Cost up to a maximum of $75,000

or ............................................................................................... 75% of Trip Cost up to a maximum of $112,500

(Can only be purchased at the time the base plan is purchased and within 21 days of Initial Trip Payment)

T30361NUFIC-CFAR

Rental Vehicle Damage Coverage ....................................................................................$35,000 or $50,000

Deductible $250

T30363NUFIC-RVDC-3

Flight Guard

................................................................................................. Amount Selected up to $500,000

T30363NUFIC-FG-MN

For Questions or Information, Contact:

24 hours a day, 7 days a week

www.TravelGuard.com

Or call National Union Fire Insurance Company of Pittsburgh, Pa. (an AIG Company) at: 1.212.458.5000

1.800.826.1300

The Insurer shall not be deemed to provide cover and the Insurer shall not be liable to pay any claim or provide any

beneﬁt hereunder to the extent that the provision of such cover, payment of such claim or provision of such beneﬁt would

expose the Insurer, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under

United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United

States of America.

TABLE OF CONTENTS

SECTION I EFFECTIVE AND TERMINATION DATES

SECTION II GENERAL EXCLUSIONS

SECTION III BENEFITS

SECTION IV DEFINITIONS

SECTION V PAYMENT OF CLAIMS

SECTION VI GENERAL PROVISIONS

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Extension of Coverage – Early Departure:

All coverages except Trip Cancellation will begin up to 2 days prior to the originally scheduled Departure Date if, due

to Inclement Weather or any of the Unforeseen events listed in Trip Cancellation, Trip Interruption or Trip Delay:

(a) the Insured changes the Departure Date to an earlier date; and/or

(b) the Insured changes the location of departure.

This extension of coverage will begin on the date and time the Insured begins travel. Beneﬁts will terminate as shown in

“When Coverage Ends: Post Departure Beneﬁts” above.

Extension of Coverage – Late Return:

All coverages except Trip Cancellation will be extended, if:

(a) the Insured’s entire Trip is covered by the plan; and

(b) the Insured’s return is delayed by Inclement Weather or any of the Unforeseen events listed in Trip

Cancellation, Trip Interruption or Trip Delay.

This extension of coverage will end on the earlier of:

(a) the date the Insured reaches his/her Return Destination; or

(b) 7 days after the date the Trip was scheduled to be completed.

If, due to restrictions by a Common Carrier or a Physician, the Insured cannot return home before this extension

ends, coverage will be extended for an additional 30 days, or until the ﬁrst time such restrictions are removed (whichever

is earlier), and will remain effective while the Insured travels to the Return Destination.

Extension of Coverage – Baggage Coverage: Baggage Coverage is extended if the Insured’s Baggage

is in the charge of a Common Carrier and delivery is delayed. This extension will terminate when the Common

Carrier delivers the property to the Insured, or when the Common Carrier documents the property as lost.

This

extension does not apply to the Baggage Delay beneﬁts.

SECTION II

GENERAL EXCLUSIONS

In addition to any applicable beneﬁt-speciﬁc exclusions, the following exclusions apply to all losses and all beneﬁts.

Unless otherwise shown below, these exclusions apply to the Insured, Traveling Companion, Family Member or

Business Partner. This Policy does not cover any loss for, caused by or resulting from:

(a) any loss that occurs at a time when the applicable beneﬁt is not in effect, as outlined in the Effective and Termination

Dates section; or

(b) war or act of war, whether declared or not; or

(d) commission of or attempt to commit a felony by the Insured, a Family Member, a Traveling Companion, or

Business Partner; or

(e) being under the inﬂuence of drugs or narcotics, unless administered upon the advice of a Physician as prescribed;

(f) intoxication above the legal limit at the Insured’s location at the time of loss; or

(g) any Trip taken by the Insured or Traveling Companion outside the advice of a Physician; or

(h) the release, escape, or dispersal of: nuclear or radioactive contamination; pathogenic, poisonous biological or

chemical materials.

EXCESS INSURANCE LIMITATION

The insurance provided by this Policy for Single Occupancy, Trip Delay, Missed Connection, Baggage Coverage,

Baggage Delay, Ancillary Evacuation Beneﬁts, Travel Medical Expense, Emergency Evacuation and Repatriation of

Remains and Non-ﬂight Accidental Death & Dismemberment beneﬁts shall be in excess of all other valid and collectible

insurance or indemnity. If at the time of the occurrence of any Loss payable under this Policy there is other valid and

collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of Loss, over

the amount of such other insurance or indemnity.

PRIMARY INSURANCE

The insurance provided by this Policy for Trip Cancellation, Trip Interruption and Trip Interruption- Return Transportation

Only will be paid on a Primary basis. This is subject to recovery. The Company will pay the claim ﬁrst then seek to

recover any payments made by a third party.

SECTION III

BENEFITS

TRIP CANCELLATION

The Company will pay a beneﬁt to reimburse the Insured for covered expenses up to the Maximum Limit shown in

the Schedule or Declarations Page, if an Insured cancels his/her Trip due to any of the following Unforeseen

events:

(a) Sickness, Injury, or death of an Insured, Family Member, Traveling Companion, Business Partner,

Host at Destination. Sickness or Injury must be certiﬁed by a Physician;

(1) Sickness or Injury of an Insured, Traveling Companion, Family Member traveling with the Insured,

which results in medically imposed travel restrictions as certiﬁed by a Physician at the time of Loss;

(2) Sickness or Injury of a Family Member not traveling with the Insured must be because their condition is

life-threatening or because they require the Insured’s immediate care;

(3) Sickness or Injury of the Business Partner must be so disabling as to reasonably cause the Insured to

cancel the Trip to assume daily management of the business;

(b) the Insured or Traveling Companion is hijacked, quarantined, subpoenaed, required to serve on a jury, or

required to appear as a witness in a legal action; provided the Insured or Traveling Companion is not a party

to the legal action or appearing as a law enforcement ofﬁcer;

service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must be

approved prior to the effective date of coverage;

(d) the Insured or Traveling Companion, (or, if the Insured is a Child, the Insured’s parent or legal guardian), is

involuntarily terminated or laid off from their employment. The termination notice must occur at least 30 days after the

Insured’s effective date of coverage. The employee must have been an active employee with the same employer

for at least 1 continuous year. This provision is not applicable to temporary employment, seasonal employment,

independent contractors or self-employed persons;

(e) the Insured or Traveling Companion (or, if the Insured is a Child, the Insured’s parent or legal guardian),

has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary

6 7

Residence to be relocated; provided that he or she has been an active employee with the same employer for at

least 1 continuous year. Notiﬁcation of the transfer by the employer to the Insured must occur after the effective date

of coverage;

(f) the Insured’s Primary Residence is made Uninhabitable, or the Destination is made Uninhabitable or

Inaccessible, by Natural Disaster (other than a hurricane), ﬁre, vandalism, or burglary;

(g) a named hurricane making the Insured’s Primary Residence Uninhabitable, or making the Destination

Inaccessible or Uninhabitable. Coverage for a hurricane applies only if insurance was purchased prior to the

tropical storm ﬁrst being upgraded to a hurricane. The Company will only pay the beneﬁts for Losses occurring

within 30 days after the named hurricane makes the Insured’s Destination Uninhabitable or Inaccessible;

(h) the Insured or Traveling Companion is delayed due to a trafﬁc accident while en route to the Insured’s

Destination. The trafﬁc accident must be substantiated by a police report;

(i) the Insured or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide

proof of requirement to work, such as a notarized statement signed by an ofﬁcer of his/her employer. In the situation

of self-employment, proof of self-employment and a notarized statement conﬁrming that the Insured is unable to

travel due to his or her job obligations will be required. The Insured or Traveling Companion must be employed

by the company at the time the Policy is purchased, and must have vacation approved for the dates of travel prior to

the effective date of coverage;

(j) the Insured or Traveling Companion is a full-time teacher, other full-time employee, or a student at a primary

or secondary school and is required to complete an extended school year that falls on or beyond the Departure

Date.

(k) the Insured or Traveling Companion is required to take an academic examination on a date that has been ﬁxed

after the effective date of coverage, and the date falls during the Trip;

(l) the Insured’s required participation in a scholastic sporting, theatrical, or musical event on a date that has

been ﬁxed after the Trip Cancellation coverage effective date and falls during the Trip. This requirement must be

documented in writing by a school representative;

(m) Strike causing cancellation or delay of the Insured’s pre-arranged travel services;

(n) Inclement Weather causing cancellation or delay of the Insured’s Trip;

(o) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;

(p) mechanical/equipment failure of a Common Carrier which results in a delay of the Insured’s Trip for at least

72 consecutive hours.

Trip Cancellation Beneﬁts: The Company will pay a beneﬁt to reimburse the Insured for any of the following

applicable expenses, up to the Maximum Limit shown in the Schedule or Declarations Page, for Trips that are

canceled prior to the scheduled Departure Date due to any of the Unforeseen events listed above.

(a) Cancellation Penalties for Unused travel arrangements; and

(b) Travel Supplier change fees; and

There is no coverage for the increased cost of a reservation if the Insured changes the Trip dates.

Trip Cancellation Exclusions

In addition to the General Exclusions, the following exclusions apply to the Trip Cancellation beneﬁt. Unless otherwise

speciﬁed below, these exclusions apply to the Insured, Traveling Companion, Family Member or Business

Partner. This beneﬁt will not cover any loss for, caused by, or resulting from:

(a) intentionally self-inﬂicted Injury, suicide, or attempted suicide of the Insured; or

(b) the Insured or Traveling Companion traveling for the purpose of securing medical treatment; or

Pregnancy are not excluded; or

(d) Mental or Psychological Disorder of the Insured, unless hospitalized at least overnight; or

(e) costs for the Trip paid using loyalty rewards points, frequent travel miles, or other non-monetary redeemable points

or rewards through similar programs; or

(f) maintenance/exchange/membership/association fees for timeshare reservations; or

(g) trip payments that are insured under a different policy; or

(h) payments made for this policy and any other insurance; or

(i) Pre-Existing Medical Conditions.

TRIP INTERRUPTION

The Company will pay a beneﬁt to reimburse the Insured for covered expenses, up to the Maximum Limit shown in

the Schedule or Declarations Page, if an Insured is unable to continue on his/her Trip due to any of the following

Unforeseen events:

(a) Sickness, Injury, or death of an Insured, Family Member, Traveling Companion, Business Partner, or

Host at Destination. Sickness or Injury must be certiﬁed by a Physician;

(1) Sickness or Injury of an Insured, Traveling Companion, Family Member traveling with the Insured,

which results in medically imposed travel restrictions as certiﬁed by a Physician at the time of Loss;

(2) Sickness or Injury of a Family Member not traveling with the Insured must be because their condition is

life-threatening or because they require the Insured’s immediate care;

(3) Sickness or Injury of the Business Partner must be so disabling as to reasonably cause the Insured to

interrupt the Trip to assume daily management of the business;

(b) the Insured or Traveling Companion is hijacked, quarantined, subpoenaed, required to serve on a jury, or

required to appear as a witness in a legal action provided the Insured or a Traveling Companion; is not a party

to the legal action or appearing as a law enforcement ofﬁcer;

service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must be

approved prior to the effective date of coverage;

(d) the Insured’s Primary Residence is made Uninhabitable, or the Destination is made Uninhabitable or

Inaccessible, by Natural Disaster (other than a hurricane), ﬁre, vandalism, or burglary;

(e) a named hurricane making the Insured’s Primary Residence Uninhabitable, or making the Destination

Inaccessible or Uninhabitable. Coverage for a hurricane applies only if insurance was purchased prior to the

8 9

tropical storm ﬁrst being upgraded to a hurricane. The Company will only pay the beneﬁts for Losses occurring

within 30 days after the named hurricane makes the Insured’s Destination Uninhabitable or Inaccessible;

(f) the Insured or Traveling Companion is delayed due to a trafﬁc accident while en route to the Insured’s

Destination. The trafﬁc accident must be substantiated by a police report;

(g) Strike causing cancellation or delay of the Insured’s pre-arranged travel services;

(h) Inclement Weather causing cancellation or delay of the Insured’s Trip;

(i) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;

(j) mechanical/equipment failure of a Common Carrier which results in a delay of the Insured’s Trip for at least

72 consecutive hours.

Trip Interruption Beneﬁts: The Company will pay a beneﬁt to reimburse the Insured for any of the following

applicable expenses, up to the Maximum Limit shown in the Schedule or Declarations Page for Trips that are

interrupted due to any of the Unforeseen events listed above:

(a) Cancellation Penalties for Unused travel arrangements, and

(b) additional transportation expenses incurred by the Insured (not to exceed the same class as the Insured’s original

ticket or the cost of economy airfare, less any refunds paid or payable) for travel by the most direct route to:

(1) the Return Destination; or

(2) the Insured’s Destination, or to a place where the Insured can continue their Trip.

Payment under letter (b) above will not duplicate any amounts paid under the Trip Interruption – Return Transportation

Only beneﬁt.

Trip Interruption – Return Transportation Only: The Company will pay a beneﬁt to reimburse the Insured up

to the Maximum Limit shown in the Schedule or Declarations Page, for additional transportation expenses incurred to

reach the Return Destination for Trips that are interrupted due to the Unforeseen events listed in the Trip Interruption

section.

The beneﬁt payable will not exceed the cost of the same class as the Insured’s original ticket or economy airfare less any

refunds paid or payable for travel by the most economical route. This beneﬁt cannot be combined with the Trip Interruption

beneﬁt. If both beneﬁts apply to the same covered Loss, payment will be made under the higher paying beneﬁt.

When possible, reimbursement to the Insured for Trip Interruption and Trip Interruption-Return Transportation Only will

be made in the same form of payment used to purchase the travel arrangements; for example, restoring loyalty points or

rewards miles.

Trip Interruption and Trip Interruption – Return Transportation Only Exclusions:

In addition to the General Exclusions, the following exclusions apply to the Trip Interruption and Trip Interruption-Return

Transportation Only beneﬁts. Unless otherwise speciﬁed below, these exclusions apply to the Insured, Traveling

Companion, Family Member or Business Partner. This beneﬁt does not cover any loss for, caused by, or resulting

from:

(a) intentionally self-inﬂicted Injury, suicide, or attempted suicide of the Insured; or

(b) the Insured or Traveling Companion traveling for the purpose of securing medical treatment; or

Pregnancy are not excluded; or

(d) Mental or Psychological Disorder of the Insured, unless hospitalized at least overnight; or

(e) the Insured’s participation in Adventure Activities, Extreme Activities or Dangerous Activities, except

as a spectator.

(f) costs for the Trip paid using loyalty rewards points, frequent travel miles, or other non-monetary redeemable points

or rewards through similar programs; or

(g) maintenance/exchange/membership/association fees for timeshare reservations; or

(h) trip payments that are insured under a different policy; or

(i) payments made for this policy and any other insurance; or

(j) Pre-Existing Medical Conditions.

SINGLE OCCUPANCY BENEFIT

The Company will pay a beneﬁt to reimburse the Insured, up to the Single Occupancy Maximum Limit shown in the

Schedule or Declarations Page, for the additional costs charged by the Travel Supplier for the Trip as a result of

a change in the per-person occupancy rate if a person booked to share accommodations with the Insured has his or her

Trip cancelled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation or Trip Interruption

section, and the Insured does not cancel or interrupt. The Trip Cancellation and/or Trip Interruption exclusions will also

apply to this beneﬁt.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify Travel Guard or the agent as soon as reasonably possible in the event of a Trip

Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe,

the Insured must provide proof of the circumstance that prevented timely notiﬁcation.

TRIP DELAY

The Company will pay a beneﬁt to reimburse the Insured up to the Maximum Limit shown in the Schedule or

Declarations Page for Reasonable Additional Expenses until travel becomes possible to the originally scheduled

Destination if the Insured’s Trip is delayed. If the Insured is separated from their Baggage during the trip delay,

the Company will also reimburse the Insured for Necessary Personal Effects.

The Insured’s Trip must be delayed 12 or more consecutive hours due to a cancellation or delay for one of the

Unforeseen events listed below which prevents the Insured from reaching his/her intended Destination:

(a) the Insured being delayed due to a trafﬁc accident while en route to a departure as substantiated by a police

report;

(b) the Insured’s or Traveling Companion’s lost or stolen passports, travel documents, or money;

(d) Natural Disaster;

(e) Injury, Sickness, or death of the Insured or Traveling Companion;

(f) Civil Disorder;

(g) hijacking;

(h) Common Carrier delay;

(i) reasons listed under Trip Cancellation and Interruption.

This beneﬁt is payable for only one delay per Insured, per Trip.

If the Insured incurs more than one delay in the same Trip, the Company will reimburse the Insured for the delay with

the largest beneﬁt up to the Maximum Limit shown in the Schedule or Declarations Page.

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MISSED CONNECTION

If, while on a Trip, the Insured misses a departure resulting from a delay of the Insured’s scheduled Common

Carrier transportation due to Inclement Weather or Common Carrier delay, the Company will pay a beneﬁt to

reimburse the Insured up to the Maximum Limit shown in the Schedule or Declarations Page for:

(a) additional transportation expenses incurred by the Insured to join the departed Trip; and

(b) Unused, prepaid, nonrefundable Trip Costs for missed portions of the Trip.

This beneﬁt does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections,

or the Insured’s international travel arrangements allow less than 2 hours between connections.

BAGGAGE COVERAGE

The Company will pay a beneﬁt to reimburse the Insured up to the Maximum Limit shown in the Schedule or

Declarations Page and subject to the special limitations shown below, for loss, theft or damage to the Insured’s

Baggage during the Insured’s Trip. The Company will also pay for fees incurred to ship the Insured’s Baggage

to the Insured’s location if the lost items are recovered.

Special Limitations:

The Company will reimburse the Insured up to:

(a) $500 for the ﬁrst item and;

(b) $250 for each subsequent item; and

(1) jewelry, watches, and furs; and

(2) electronic devices, including but not limited to: personal computers, cameras and camera equipment,

camcorders, cell phones, smartphones, portable music players, tablet devices, and other wireless handheld

devices.

Items over $150 must be accompanied by original receipts. If receipts are not provided, the maximum amount payable

will be $150.

The Company will pay the lesser of:

(a) the original purchase price of the item; or

(b) the cost to repair the item.

In the event of a Loss to a pair or set of items, the Company will pay the lesser of:

(a) the cost to repair or purchase the individual item(s) needed to complete the set or pair; or

(b) the original purchase price of the set or pair.

In the event of a Loss of the Insured’s prescription medication, the Company will reimburse the Insured only for the

cost to replace the amount of prescriptions drugs that were lost, stolen, or damaged. The prescribing Physician must

authorize the replacement and it must be legally permissible to replace the prescription at the Insured’s location.

The Baggage Coverage Maximum Limit shown in the Schedule or Declarations Page also includes:

(a) Losses due to unauthorized use of the Insured’s credit cards if they are lost or stolen during the Trip. However,

this beneﬁt will not apply if the Insured has failed to comply with all requirements imposed by the issuing credit card

companies and

(b) the cost to replace the Insured’s passport or visa if it is lost, stolen or damaged during the Trip. The loss, theft or

damage must be documented by a police report.

The Insured must: (a) report theft Losses to police or other local authorities as soon as possible; and (b) send sworn

proof of Loss as soon as possible from date of Loss; and (c) take reasonable steps to protect his/her Baggage from

further damage and make necessary and reasonable temporary repairs. The Company will reimburse the Insured for

those expenses, but will not pay for further damage if the Insured fails to protect his/her Baggage.

BAGGAGE DELAY

The Company will pay a beneﬁt to reimburse the Insured for the purchase of Necessary Personal Effects, up

to the Maximum Limit shown in the Schedule or Declarations Page, if the Insured’s Baggage is delayed or

misdirected by the Common Carrier for more than 12 hours while on a Trip.

Incurred expenses must be accompanied by receipts.

This beneﬁt does not apply if Baggage is delayed after the Insured has reached their Return Destination.

Baggage Coverage Exclusions

In addition to the General Exclusions, the following exclusions apply to the Baggage Coverage beneﬁt. No beneﬁts will

be paid for:

(a) loss caused by animals, rodents, insects or vermin; or

(b) loss of, or damage to, bicycles (except when checked with a Common Carrier); or

(d) loss of, or damage to, artiﬁcial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses,

or hearing aids; or

(e) loss of, or damage to, keys, notes, securities, accounts, deeds, food stamps, bills, or other evidences of debt,

money, stamps, stocks and bonds, postal or money orders, and tickets; or

(f) loss of, or damage to, property shipped as freight, or shipped prior to the Departure Date or

(g) loss of, or damage to, contraband; or

(h) loss of, or damage to, items seized by any government ofﬁcial or customs ofﬁcial; or

(i) damage caused by any process of repair; or

(j) loss resulting from defective materials or craftsmanship; or

(k) damage caused by radioactive contamination; or

(l) loss resulting from mysterious disappearance; or

(m) loss resulting from normal wear and tear or deterioration.

(n) any loss that occurs on a Trip with a Destination less than 100 miles from the Insured’s Primary Residence,

or on a Trip that is not overnight in length.

ANCILLARY EVACUATION BENEFITS

Return Transportation

In addition to the Emergency Evacuation covered expenses, the Company will pay a beneﬁt to reimburse the Insured

his/her airfare costs, less refunds from the Insured’s Unused transportation tickets, from that facility to the Insured’s

Return Destination or home, within one year from the Insured’s original Return Date if the Company has

previously evacuated an Insured to a medical facility. Airfare costs will be for the same class as the Insured’s original

tickets, or based on medical necessity.

Baggage Return

If the Insured has been evacuated to a medical facility, the Company will pay a beneﬁt to reimburse the Insured,

up to the Maximum Limit shown in the Schedule or Declarations Page, for any costs associated with transporting the

Insured’s Baggage from the place where the Insured was transported from, to:

12 13

(a) the location the Insured was evacuated to; or

(b) the Insured’s Return Destination or Primary Residence.

Travel Guard must make all arrangements and authorize all expenses in advance for this beneﬁt to be payable. In the event

the Company or the Company’s authorized representative could not be contacted to arrange for Baggage Return,

beneﬁts are limited to the amount the Company would have paid had the Company or its authorized representative

been contacted.

TRAVEL MEDICAL EXPENSE BENEFIT

The Company will pay a beneﬁt to reimburse the Insured for the Reasonable and Customary Charges, up to

the Maximum Limit shown in the Schedule or Declarations Page (and after satisfaction of the Deductible) if the

Insured suffers an Injury or Sickness on the Trip that requires treatment by a Physician. The Injury must occur or

the Sickness must ﬁrst begin while on a Trip. The initial documented treatment must be given by a Physician during

the Trip.

Travel Medical Covered Expenses:

The Company will pay a beneﬁt to reimburse the Insured the Medically Necessary expenses incurred for:

(a) services of a Physician or registered nurse (R.N.), and related tests or treatment; and

(b) Hospital charges; and

(d) artiﬁcial limbs, artiﬁcial eyes, artiﬁcial teeth, or other prosthetic devices.

The Company will not pay for any expenses incurred after the Coverage Termination Date as shown in the Effective and

Termination Dates section of this Policy, regardless of the reason.

Emergency Dental

If, while on a Trip, the Insured suffers an Injury or Sickness that requires emergency dental treatment by a Physician,

the Company will pay a beneﬁt to reimburse the Insured for covered expenses up to the Maximum Limit shown in the

Schedule or Declarations Page.

Emergency dental covered expenses:

(a) services and supplies for the relief of dental pain; and

(b) the repair or replacement of teeth or dental implants , due to an Injury or Sickness which ﬁrst occurs during the

Trip.

Coverage for emergency dental treatment does not apply if treatment or expenses are incurred after the Insured has

reached his/her Return Destination, regardless of the reason. The treatment must be given by a Physician or dentist.

This coverage is inclusive of the Maximum Limit for the Travel Medical Expense beneﬁt.

Advance Payment

The Company will pay up to $5,000 directly to the provider if, while on a Trip, the Insured suffers an Injury or

Sickness which requires admission to a Hospital, and the Hospital requires payment prior to admission. This amount

will be deducted from the Travel Medical Expense beneﬁt limit shown in the Schedule or Declarations Page. The

Insured agrees to reimburse this payment to the Company if: (a) the Insured does not complete the claims process

as outlined in the Payment of Claims section; or (b) it is determined that the Insured’s Travel Medical Expense claim is

not covered.

The Company will provide advance payment when required and requested by the Insured. However:

(a) The Company reserves the right to deny a request for advance payment if the Company conﬁrms that the

Insured’s claim is not covered under the Policy; and

(b) An advance payment made by the Company is not a guarantee of claim approval.

Travel Medical Expense Exclusions

In addition to the General Exclusions, the following exclusions apply to the Travel Medical Expense Beneﬁt. No beneﬁts

will be paid for any loss for, caused by, or resulting from:

(a) routine physical examinations or routine dental care; or

(b) any treatment or medication which, at the time of departure, is required to be continued during the Trip; or

artiﬁcial teeth and prosthetics; or

(d) any service provided by the Insured, a Family Member, or Traveling Companion; or

(e) alcohol or substance abuse or treatment for the same; or

(f) Experimental or Investigative treatment or procedures; or

(g) care or treatment which is not Medically Necessary, except for related reconstructive surgery resulting from

trauma, infection or disease; or

(h) physical therapy or occupational therapy; or

(i) intentionally self-inﬂicted Injury, suicide, or attempted suicide of the Insured; or

(j) the Insured or Traveling Companion traveling for the purpose of securing medical treatment; or

(k) Normal Pregnancy or Childbirth, or elective abortion. However, Unforeseen Complications of

Pregnancy are not excluded; or

(l) expenses incurred by any Child born during the Trip; or

(m) Mental or Psychological Disorder of the Insured; or

(n) the Insured’s participation in Adventure Activities, Extreme Activities or Dangerous Activities, except

as a spectator.

(o) any loss that occurs on a Trip with a Destination less than 100 miles from the Insured’s Primary Residence or

to another residence of the Insured or Traveling Companion, or on a Trip that is not at least overnight in length;

(p) Pre-Existing Medical Conditions.

EMERGENCY EVACUATION and REPATRIATION OF REMAINS

The Company will pay a beneﬁt to reimburse the Insured, up to the Maximum Limit shown in the Schedule or

Declarations Page, for Covered Emergency Evacuation Expenses incurred due to an Insured’s Injury or Sickness

that occurs while on a Trip.



Covered Emergency Evacuation Expenses are the Reasonable and Customary Charges for Medically

Necessary Transportation, related medical services, and medical supplies incurred in connection with the Emergency

Evacuation of the Insured.The Transportation must be:

(a) ordered by the onsite attending Physician, who must certify that the severity of the Insured’s Injury or Sickness

warrants the Emergency Evacuation; and

(b) authorized in advance by Travel Guard. In the event the Insured’s Injury or Sickness prevents prior authorization

of the Emergency Evacuation, Travel Guard must be notiﬁed as soon as reasonably possible; and

The Company will also pay a beneﬁt for Reasonable and Customary Charges incurred for an Escort’s or

contracted Attendant’s services, and the Escort’s or Attendant’s transportation and accommodations, if an

attending Physician recommends that an Escort or Attendant accompany the Insured. This coverage is inclusive of

the Maximum Limit of the Emergency Evacuation beneﬁt.



14 15

Transportation will be provided:

(a) from the place where the Insured is injured or sick to the nearest adequate licensed medical facility where

appropriate medical treatment can be obtained; and

(b) from a local medical facility to the nearest adequate licensed medical facility to obtain appropriate medical

treatment if the onsite attending Physician certiﬁes that additional Medically Necessary treatment is needed but

not locally available; and the Insured is medically able to travel; and

Residence, to obtain further medical treatment or to recover after being treated at a local licensed medical facility,

if the onsite attending Physician determines that the Insured is medically able to be transported and that the

Transportation is Medically Appropriate.

Special Limitation: In the event the Company or the Company’s authorized representative could not be contacted

to arrange for Covered Emergency Evacuation Expenses, beneﬁts are limited to the amount the Company would have

paid had the Company or its authorized representative been contacted.

REPATRIATION OF REMAINS



The Company will pay a beneﬁt to reimburse the Insured for Repatriation Covered Expenses up to the Maximum

Limit shown in the Schedule or Declarations Page to return the Insured’s remains if he/she dies while on the Trip.



Repatriation Covered Expenses are limited to the Reasonable and Customary Charges for the expenses

listed below. Travel Guard must make all arrangements and authorize all expenses in advance.



Repatriation Covered Expensesinclude the Reasonable and Customary Charges for:

(a) embalming or cremation; and

(b) associated temporary storage costs for up to 15 days, or until local authorities will permit further transportation of the

body, whichever is later; and

(d) transportation of the remains, by the most direct and economical conveyance and route possible, to:

(1) the nearest location where the body can be embalmed or cremated, if not locally available; and

(2) the receiving funeral home or morgue, the Return Destination, or a different place of burial within the

Insured’s country of residence; and

(3) the cost for creation and transmission of necessary documentation to transport the body, such as a death

certiﬁcate, autopsy or police report, up to ﬁve copies per document.

Special Limitation:

In the event the Company or the Company’s authorized representative could not be contacted to arrange for

Repatriation Covered Expenses, beneﬁts are limited to the amount the Company would have paid had the Company

or its authorized representative been contacted.

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of

Remains Beneﬁt. No beneﬁts will be paid for any loss for, caused by, or resulting from:

(a) Transportation taken against the advice of the attending Physician; or

(b) intentionally self-inﬂicted Injury, suicide, or attempted suicide of the Insured; or

(d) Normal Pregnancy or Childbirth, or elective abortion. However, Unforeseen Complications of

Pregnancy are not excluded; or

(e) the Insured’s participation in Adventure Activities, Extreme Activities or Dangerous Activities, except

as a spectator.

(f) Mental or Psychological Disorder of the Insured; or

(g) expenses incurred by any Child born during the Trip; or

(h) any loss that occurs on a Trip with a Destination less than 100 miles from the Insured’s Primary Residence or

to another residence of the Insured or Traveling Companion, or on a Trip that is not at least overnight in length;

(i) Pre-Existing Medical Conditions.

NON-FLIGHT ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the Insured for this beneﬁt for one of the Losses shown in the Table of Losses below if the

Insured is Injured during the Trip OTHER THAN while riding as a passenger in or boarding or alighting from or

being struck or run down by a certiﬁed passenger aircraft provided by a Common Carrier and operated by a properly

certiﬁed pilot. The Loss must occur within 365 days of the date of the accident that caused the Injury. The Company

will pay the percentage shown below of the Maximum Limit shown in the Schedule or Declarations Page.

If more than one Loss is sustained by an Insured as a result of the same accident, only one amount, the largest

applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for

all Losses due to the same accident.

Table of Losses

Loss of % of Maximum Limit

Life ..........................................................................................................................................................................................100%

Both Hands or Both Feet ......................................................................................................................................................100%

Sight of Both Eyes .................................................................................................................................................................100%

One Hand and One Foot .....................................................................................................................................................100%

Either Hand or Foot, and Sight of One Eye ........................................................................................................................100%

Either Hand or Foot .................................................................................................................................................................50%

Sight of One Eye ..................................................................................................................................................................... 50%

“Loss” with regard to:

(a) hand or foot means actual severance through or above the wrist or ankle joints;

(b) sight means entire and irrecoverable loss of sight in that eye.

Exposure

The Company will pay a beneﬁt for covered Losses as speciﬁed above which result from an Insured being

unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days

after the event which caused the exposure.

Disappearance

The Company will pay for loss of life as shown above if the Insured’s body cannot be located within one year after a

disappearance due to an accident during the Trip.

16 17

Non-Flight Accidental Death and Dismemberment Exclusions:

In addition to the General Exclusions, the following exclusions apply to the Accidental Death and Dismemberment Beneﬁt.

No beneﬁts will be paid for any loss for, caused by, or resulting from:

(a) death caused by or resulting directly or indirectly from Sickness or disease of any kind; or

(b) stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack;

coronary thrombosis; aneurysm; or

(d) the Insured’s participation in Adventure Activities, Extreme Activities or Dangerous Activities, except

as a spectator.

(e) Normal Pregnancy or Childbirth, or elective abortion. However, Unforeseen Complications of

Pregnancy are not excluded; or

(f) Mental or Psychological Disorder of the Insured; or

(g) any loss that occurs on a Trip with a Destination less than 100 miles from the Insured’s Primary Residence or

to another residence of the Insured or Traveling Companion, or on a Trip that is not at least overnight in length.

SECTION IV

DEFINITIONS

Terms within this Policy which are Capitalized, Bold and Italicized are deﬁned below.

Adventure Activities means bungee jumping, hot air ballooning, parachuting, skydiving, Mountain Climbing,

motor sport or motor racing, multi-sport endurance competitions, Professional Athletic Event, scuba diving, and any

activities materially similar to the above.

Attendant means a Traveling Companion, Family Member, close friend, or a person contracted by the

Company if there is no one else available, who, on the advice of the Physician (not required for Return of Child

beneﬁt), accompanies the Insured while being transported.

Baggage means luggage, passports, visas, travel documents, and personal possessions which are owned, borrowed,

or rented, and are taken by the Insured on the Trip.

Business Partner means a person who: (1) is involved with the Insured or the Insured’s Traveling Companion

in a legal partnership; and (2) is actively involved in the daily management of the business.

Cancellation Penalties means Trip Costs:

(a) which are not refunded or refundable by the Travel Supplier, or are subject to restrictions; and

(b) which are paid by or on behalf of the Insured prior to the Insured’s Trip Departure Date, or which the

Insured is obligated, or later becomes obligated, to pay as a result of cancelling or interrupting the Trip; and

(d) for which insurance was purchased.

These will also include any subsequent pre-paid payments or deposits paid by or on behalf of the Insured for the same

Trip, after application for coverage under this plan; however, the Insured must notify the Company of these payments

and pay the additional cost.

Caregiver means an individual employed for the purpose of providing assistance with activities of daily living to the

Insured or to the Insured’s Family Member who has a physical or mental impairment. The caregiver must be

employed by the Insured or the Insured’s Family Member. A caregiver is not a babysitter, childcare service, or

any facility or provider.

Children/Child means a person under age 18. The age limit does not apply to a child who is incapable of self-

sustaining employment by reason of mental or physical incapacity.

City means an incorporated municipality having deﬁned borders and does not include the high seas, uninhabited areas

or airspace.

Civil Disorder means a group of people acting in revolt, coup, rebellion or resistance against an established government

or civil authority.

Common Carrier means an air, land, or sea conveyance operated under a license for the transportation of passengers

for hire.

Company means National Union Fire Insurance Company of Pittsburgh, Pa.

Complications of Pregnancy means conditions whose diagnoses are distinct from pregnancy but are adversely

affected by pregnancy or are caused by pregnancy. These conditions include hyperemesis gravidarum, preeclampsia,

eclampsia, gestational diabetes, gestational hypertension, acute nephritis, nephrosis, cardiac decompensation, missed

abortion, and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include

non-elective cesarean section, ectopic pregnancy, and spontaneous miscarriage.

Complications of pregnancy do not include Physician-prescribed rest during the period of pregnancy (except due to

the conditions noted above), false labor, occasional spotting, morning sickness, elective abortion, and similar conditions

associated with the management of a difﬁcult pregnancy, not constituting a categorically distinct complication of

pregnancy.

Dangerous Activities means air travel on a privately owned aircraft (whether as a pilot or a passenger), bull riding,

running of the bulls, free diving, Mountain Climbing (over 6,000 meters), rock climbing without equipment, scuba

diving (beyond 50 meters), or any activity materially similar to the above.

Declarations Page means the document showing the Insured’s travel dates and insurance beneﬁts.

Deductible means the amount of charges that must be incurred by an Insured before beneﬁts become payable. The

amount of the deductible is shown in the Schedule or Declarations Page for each beneﬁt to which a deductible

applies.

Departure Date means the date on which the Insured is originally scheduled to leave on his/her Trip. This date is

speciﬁed in the travel documents.

Destination means any place the Insured expects to travel to on his/her Trip, as shown on the travel documents.

Domestic Partner means an opposite or a same-sex partner who is at least 18 years of age and who:

(a) resided with the Insured for at least 6 months; and

(b) shared ﬁnancial assets and obligations with the Insured for at least 6 months; and

(d) neither the Insured nor domestic partner is married to anyone else, nor has any other domestic partner.

The Company may require proof of the domestic partner relationship in the form of a signed and completed afﬁdavit of

domestic partnership.

Escort means a medically trained professional who is approved by the Company, and is contracted to accompany and

provide medical care to an ill or Injured person while they are being transported.

18 19

Extreme Activities means BASE jumping, cliff diving, ﬂy-by-wire, hang gliding, heli-skiing, heli-snowboarding,

wingsuit ﬂying, Mountain Climbing (over 3,000 meters), parkour, scuba diving (beyond 40 meters), and any activity

materially similar to the above.

Experimental or Investigative means treatments, devices or prescription medications which are recommended by

a Physician, but are not considered by the medical community as a whole to be safe and effective for the condition

for which the treatments, devices or prescription medications are being used. This includes any treatments, procedures,

facilities, equipment, drugs, drug usage, devices, or supplies not recognized as accepted medical practice, and any

of those items requiring federal or other governmental agency approval not received at the time services are rendered.

Family Member means the Insured’s, or Traveling Companion’s spouse, child, parent, brother, sister,

grandparent, grandchild, daughter/son-in-law, brother/sister-in-law, step-child/sister/brother/parent, parent-in-law,

civil union partner, Domestic Partner, step-grandparent/grandchild, aunt, uncle, step-aunt/uncle, niece, nephew,

legal guardian, Caregiver, foster child, ward, or legal ward; and the spouse, civil union partner, or Domestic Partner

of any of the above. Family Member also includes these relations to the Insured’s or Traveling Companion’s

spouse, civil union partner, or Domestic Partner.

Hospital means a facility that:

(a) is licensed to operate according to law for the care and treatment of sick or Injured people; and

(b) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis;

and

(d) is supervised by one or more Physicians available at all times.

A hospital does not include:

(a) a nursing, convalescent or geriatric unit of a hospital when a patient is conﬁned mainly to receive nursing care; or

(b) a facility that is, other than incidentally, a rest home, nursing home, convalescent home, home health care, or home

for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes.

Host at Destination means the person the Insured intends to visit at the Destination during a covered Trip.

Inaccessible means the Insured cannot reach his/her Destination by the original mode of transportation.

Inclement Weather means any severe weather condition which delays the scheduled arrival or departure of a

Common Carrier or causes closure of public roadways by government authorities and the Insured is traveling in an

Owned or Rented Vehicle.

Injury/Injured means a bodily injury caused by an accident occurring while the Insured’s coverage under this

Policy is in force and resulting directly and independently of all other causes of Loss covered by this Policy. The injury

must be veriﬁed by a Physician.

Insured means a person:

(a) for whom any required application form has been completed; and

(b) for whom any required cost has been paid; and

Loss means ﬁnancial or physical damage sustained by the Insured as a consequence of one or more of the events

against which the Company has undertaken to compensate the Insured.

Medically Appropriate means an adequate and acceptable course of treatment or Transportation in the opinion

of the onsite attending Physician.

Medically Necessary means that a treatment, service, or supply:

(a) is essential for diagnosis, treatment, or care of the Injury or Sickness for which it is prescribed or performed; and

(b) meets generally accepted standards of medical practice; and

(d) is not primarily for the convenience of the Insured, Physician, other providers, or any other person.

Mental or Psychological Disorder means a mental health condition including, but not limited to: anxiety, depression,

neurosis, phobia, psychosis; or any related physical manifestation.

Mountain Climbing means the ascent or descent of a mountain requiring the use of specialized equipment, including,

but not limited to, ropes, belay devices, pick-axes, anchors, bolts, crampons, carabiners, and lead or top-rope anchoring

equipment.

Natural Disaster means a ﬂood (due to natural causes), tsunami, hurricane, tornado, earthquake, mudslide,

avalanche, landslide, volcanic eruption, sandstorm, sinkhole, wildﬁre or blizzard.

Necessary Personal Effects means items to replace belongings such as clothing and toiletry items, which are

included in the Insured’s Baggage and are required for the Insured’s Trip, and will also include expenses incurred

to clean the clothing items purchased. Necessary Personal Effects do not include jewelry, perfume or alcohol.

Normal Pregnancy or Childbirth means a pregnancy or childbirth that is free of complications or problems.

Owned or Rented Vehicle means a self-propelled private passenger motor vehicle which is of a type both designed

and required to be licensed for use on the highways of any state or country, which is rented or owned by the Insured.

Owned or Rented Vehicle does not include any motor vehicle which is used in mass or public transit.

Physician means a licensed practitioner of medical, surgical or dental services acting within the scope of their license. The

treating physician cannot be the Insured, a Traveling Companion, a Family Member, or a Business Partner.

Pre-Existing Medical Condition means the Company will not pay for any loss or expense incurred as the result of

an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling

Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and

including the Insured’s coverage effective date medical advice or treatment was recommended by, or received from a

provider of health care services.

Primary means the Company will pay before any other insurance or indemnity.

Primary Residence means the Insured’s ﬁxed and permanent home for legal and tax purposes.

Professional Athletic Event means a sporting contest in which the Insured participates under contract in exchange

for an agreed-upon salary. This does not include athletes participating in exchange for a scholarship or tuition.

Reasonable Additional Expenses means expenses for meals, essential telephone calls, local transportation (taxi

fares, mass transit, rental vehicle, etc.), parking costs, internet usage fees, and lodging which are necessarily incurred as

the result of a trip delay and which are not provided by the Common Carrier or any other party free of charge.

20 21

Reasonable and Customary Charges means expenses which:

(a) are charged for treatment, supplies, or medical services Medically Necessary to treat the Insured’s condition;

and

(b) do not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the

expenses are incurred; and

In no event will the reasonable and customary charges exceed the actual amount charged.

Return 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. This date is shown in the travel documents.

Return Destination means the Insured’s Primary Residence, or a different ﬁnal Destination as shown in the

travel documents.

Riot means three or more people violently disturbing the peace causing immediate danger, damage, or injury to others

or to property.

Schedule means the Schedule of Beneﬁts shown in the front of this Policy.

Sickness means an illness or disease diagnosed and/or treated by a Physician after the effective date of coverage

of the Policy.

Standard Time means the local time zone at the Insured’s location.

Strike means a stoppage of work, work slowdown, or sickout which:

(a) is announced, organized, and sanctioned by a labor union or other organized association of workers, in a trade or

profession, formed to protect and further their rights and interests; and

(b) interferes with the normal departure and arrival of a Common Carrier.

The Insured’s coverage must be effective prior to when a strike is foreseeable. A strike is foreseeable on the earliest of:

(a) the date labor union members vote to approve a strike; or

(b) the date a strike takes place; or

A strike is considered to be ongoing, and therefore foreseeable, until a documented resolution is reached on the issues

causing the labor dispute, or the stoppage of work ceases to interfere with the normal departure and arrival of a

Common Carrier for at least 60 consecutive days.

Terrorist Incident means an act of violence that is deemed terrorism by the U.S. Department of State, or that is

committed by any person acting on behalf of, or in connection with, any organization which is classiﬁed as a Foreign

Terrorist Organization by the U.S. Department of State. The following are not considered terrorist incidents: an act of war

(declared or undeclared), Civil Disorder, or Riot.

Transportation means any land, sea or air conveyance required to transport the Insured during an Emergency

Evacuation.

Travel Supplier means the company or Common Carrier that provides travel arrangements for the Insured’s Trip.

Traveling Companion means a person or persons with whom the Insured has coordinated travel arrangements and

intends to travel with during the Trip. A group or tour leader is not considered a traveling companion unless the Insured

is sharing room accommodations with the group or tour leader.

Trip means a period of travel away from home to a Destination outside the Insured’s City of residence taken during

the coverage term; The trip has a deﬁned Departure Date and Return Date; and does not exceed 364 days.

Trip Cost means the Insured’s share of the cost of a Trip. This dollar amount is based on the following criteria, as

applicable:

• If the Insured is not sharing the cost with, or not paying the cost on behalf of, other travelers, the Trip Cost will

include the full dollar amount paid by the Insured for the Trip.

• If the Insured is sharing the cost with other travelers, the Trip Cost will include the portion of the full dollar amount

actually paid for the Trip by the Insured (even if this amount differs from the Travel Supplier invoice).

• If the Insured’s Trip is paid for by someone else, the Trip Cost will include the dollar amount designated by the

Travel Supplier for the Insured’s portion of the Trip.

• If the Insured is paying for the costs of the Trip for himself or herself, as well as other travelers, the Trip Cost will

include the dollar amount designated by the Travel Supplier for the Insured’s portion of the Trip. The cost for

other travelers will not be included in the Trip Cost for the Insured.

• For a Trip that is not priced on a per-person basis (such as multiple occupancy hotel rooms and vacation rentals), or

for Trips where the Travel Supplier does not provide a per-person cost, the dollar amount paid for the Trip will

be assumed to be split equally between all travelers participating in the booking, and the Trip Cost will include the

Insured’s portion.

Unforeseen means not known, anticipated or reasonably expected, and occurring after the effective date of the beneﬁt

under which the claim is being made.

Uninhabitable means: (1) the building structure itself is unstable and there is a risk of collapse in whole or in part; or

(2) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or ﬂood; or (3) immediate

safety hazards have yet to be cleared, such as debris or downed electrical lines; or (4) the property is without electricity,

gas, sewer service or water; or (5) local government authorities have issued a mandatory evacuation.

Unused means the Insured’s ﬁnancial Loss of any whole, partial or prorated prepaid nonrefundable components of

a Trip that are not depleted or exhausted.

SECTION V

PAYMENT OF CLAIMS

Claim Procedures: Notice of Claim: The Insured must contact Travel Guard or an authorized agent as soon as

reasonably possible, and be prepared to describe details regarding the Loss and the insured Trip. AIG Claims, Inc. will

provide the claim form to the Insured for his or her review and signature.

The Insured may initiate the claim online at www.aig.com/travelclaims. Utilizing this method will allow the Insured to

view the status of the claim in real time.

Claims may also be initiated by telephone.

The completed claim forms can be sent back to AIG Claims, Inc. via website, mail, fax, or email.

22 23

Contact information:

• Online: www.aig.com/travelclaims

• Mail: PO Box 47, Stevens Point, WI 54481

• Telephone: 1.800.826.1300

• E-mail: [email protected]

• Fax: 1.715.345.1141

AIG Claims, Inc. will accept electronic copies of claim submissions, except as expressly stated elsewhere. However, AIG

Claims, Inc. may, at its discretion, require original documentation to be sent.

Notice of claim: The Insured must provide notiﬁcation of the claim to AIG Claims, Inc. or an authorized agent no

later than 1 year after the date of the Loss, or as soon as is reasonably possible. Failure by the Insured to make such

notiﬁcation may result in no beneﬁts being paid.

Claim Procedures: Proof of Loss: The claim forms must be sent back to AIG Claims, Inc. no more than 90 days after

a covered Loss occurs or ends, or as soon after that as is reasonably possible. Failure to furnish such proof within such

time will not invalidate nor reduce any claim if it shall be shown not to have been reasonably possible to furnish such proof

during that time. All claims under this Policy must be submitted to AIG Claims, Inc. no later than one year after the date of

Loss or as soon as reasonably possible. All claims require the Insured to provide AIG Claims, Inc. with the following:

(a) the beneﬁt-speciﬁc documentation shown below; and

(b) a trip invoice, itinerary or conﬁrmation showing details of the Trip (dates of travel, destination, etc.); and

AIG Claims, Inc. will notify the Insured of the acceptance or denial of a claim within 60 days after receipt of an acceptable

Proof of Loss.

Trip Cancellation Trip Interruption Proof of Loss: The Insured must provide AIG Claims, Inc. with the following:

(a) documentation to support the reason for the cancellation or interruption of the Trip. Claims involving Loss due

to Sickness or Injury will require signed patient (or next of kin) authorization to release medical information,

a completed Medical Certiﬁcate form (provided by AIG Claims, Inc.), and may require medical records. Claims

involving Loss due to death may require all of the above, and will require a legible copy of the death certiﬁcate; and

(b) copies of any accident, police, or incident reports that were ﬁled, if the claim was due to an accident; and

(d) proof of payment for claimed expenses (paid trip invoice, credit card or bank statement, etc.); and

(e) documentation showing any received or expected settlements, refunds or credits for this Loss from any other party.

The Insured must provide AIG Claims, Inc. with all Unused air, rail, cruise, or other tickets if he/she is claiming the

value of those Unused tickets.

Trip Delay Proof of Loss: The Insured must provide AIG Claims, Inc. with the following:

(a) receipts for the expenses being claimed. If receipts are unavailable, other sufﬁcient documentation such as a credit

card statement; and

(b) a list of the expenses incurred; and

and

(d) documentation from the Common Carrier or other applicable party which veriﬁes the cause and duration of the

delay.

Baggage Coverage Proof of Loss: The Insured must provide AIG Claims, Inc. with the following:

(a) an accident, police, incident or irregularity report providing details of the incident; and

(b) receipts for all items being claimed; and

(d) documentation showing any received or expected settlements, refunds or credits for this Loss from any other party.

Baggage Delay Proof of Loss: The Insured must provide AIG Claims, Inc. with the following:

(a) an irregularity or incident report ﬁled with the Common Carrier conﬁrming the delay; and

(b) receipts for the expenses being claimed. If receipts are unavailable, other sufﬁcient documentation such as a credit

card statement; and

Travel Medical Expense, Emergency Evacuation and Repatriation of Remains and Non-Flight

Accidental Death & Dismemberment Proof of Loss: The Insured must provide AIG Claims, Inc. with the

following:

(a) signed patient (or next of kin) authorization to release medical information; and

(b) medical, treatment, emergency room, admission, and/or discharge records detailing the condition that was treated;

and

expenses; and

(d) a copy of the Explanation of Beneﬁts from any other health insurance in which the Insured is enrolled, or a notarized

statement conﬁrming that the Insured does not have any other medical insurance, if applicable; and

(e) for claims due to Injury, a police, accident, incident or emergency room report which provides details of the event.

Payment of Claims: When Paid: Payable claims will be paid within ﬁve business days of agreement on the amount.

Payment of Claims: To Whom Paid: Beneﬁts are payable to the Insured who purchased this Policy. Any beneﬁts

payable due to that Insured’s death will be payable in accordance with the beneﬁciary designation and the provisions

respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or

provision is then effective, such indemnity shall be payable to the estate of the insured. Any other accrued indemnities

unpaid at the insured’s death may, at the option of the insurer, be paid either to such beneﬁciary or to such estate. All other

indemnities will be payable to the insured.

If any indemnity of this policy shall be payable to the estate of the insured, or to an insured or beneﬁciary who is a minor

or otherwise not competent to give a valid release, the insurer may pay such indemnity, up to an amount not exceeding

$1,000, to any relative by blood or connection by marriage of the insured or beneﬁciary who is deemed by the insurer to

be equitably entitled thereto. Any payment made by the insurer in good faith pursuant to this provision shall fully discharge

the insurer to the extent of such payment.

Disagreement Over Size of Loss. If there is a disagreement about the amount of the Loss, either the Insured or

the Company can make a written demand for an appraisal and notify the other of the appraiser selected within ten

days of the demand. After the demand, the Insured and the Company each select their own competent appraiser.

After examining the facts, each of the two appraisers will give an opinion on the amount of the Loss. If they do not

agree, they will select an arbitrator. Any ﬁgure agreed to by 2 of the 3 (the appraisers and the arbitrator) will be binding.

The appraiser selected by the Insured is paid by the Insured. The Company will pay the appraiser it chooses. The

Insured will share with the Company the cost for the arbitrator and the appraisal process.

Beneﬁt to Bailee. This insurance will in no way inure directly or indirectly to the beneﬁt of any carrier or other bailee.

24 25

The following provision applies to all beneﬁts:

Recovery - In the event of a payment under this Policy, the Company 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

Company any legal papers relating to that recovery, do whatever is necessary to help the Company exercise those

rights, and do nothing after the Loss to harm the Company’s rights. The Company will not act to recover against

another person who is insured for the same Loss under a policy issued by the Company. 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 Company by the Insured and reimbursed to the Company the extent of the Company’s payment.

SECTION VI

GENERAL PROVISIONS

Entire Contract: Changes: This Policy, Schedule or Declarations Page, application form and any attachments are

the entire contract of insurance. No agent may change it in any way. Only an ofﬁcer of the Company may approve a

change. Any such change must be shown in this Policy or its attachments.

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 the Company’s behalf nor to alter, modify, or waive any of the provisions of this Policy.

Physical Examination and Autopsy. The Company at its own expense has the right and opportunity to examine

the person of any Insured whose Loss is the basis of claim under this Policy when and as often as it may reasonably

require during the pendency of the claim and to perform an autopsy in case of death where it is not forbidden by law.

Beneﬁciary Designation and Change. The Insured’s beneﬁciaries are the persons designated by the Insured

and on ﬁle with Travel Guard or the beneﬁciaries as shown in the Payment of Claim: To Whom Paid provision.

An Insured over the age of majority and legally competent may change his or her beneﬁciary designation at any time,

without the consent of the designated beneﬁciaries, unless an irrevocable designation has been made, by providing

Travel Guard with a written request for change. When the request is received, whether the Insured is then living or not,

the change of beneﬁciary will relate back to and take effect as of the date of execution of the written request, but without

prejudice to the Company on account of any payment made by it prior to receipt of the request.

Assignment. An Insured may not assign any of his or her rights, privileges or beneﬁts under this Policy without the

prior consent of the Company.

Misstatement of Age. If premiums for the Insured are based on age and the Insured has misstated his or her age,

there will be a fair adjustment of premiums based on his or her true age. The Company may require satisfactory proof

of age before paying any claim.

Legal Actions. No action at law or in equity may be brought to recover on this Policy prior to the expiration of 60 days

after written proof of Loss has been furnished in accordance with the requirements of this Policy. No such action may be

brought after the expiration of 5 years after the time written proof of Loss is required to be furnished.

Arbitration. Notwithstanding anything in this coverage to the contrary, any claim arising out of or relating to this

contract, or its breach, may be settled by arbitration, if mutually acceptable. Arbitration will be administered by the

American Arbitration Association in accordance with its Commercial rules except to the extent provided otherwise in this

clause. Judgment upon the award rendered in such arbitration may be entered in any court having jurisdiction thereof. All

fees and expenses of the arbitration shall be borne by the parties equally. However, each party will bear the expense

of its own counsel, experts, witnesses, and preparation and presentation of proofs. The arbitrators are precluded from

awarding punitive, treble or exemplary damages, however so denominated. If more than one Insured is involved in

the same dispute arising out of the same Policy and relating to the same Loss or claim, all such Insureds will constitute

and act as one party for the purposes of the arbitration. Nothing in this clause will be construed to impair the rights of the

Insureds to assert several, rather than joint, claims or defenses.

Concealment or Fraud. The Company does not provide coverage if the Insured has intentionally concealed or

misrepresented any material fact or circumstance relating to this Policy or claim.

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.

Transfer of Coverage. Coverage under this Policy cannot be transferred by the Insured to anyone else.

Controlling Law: Any part of this Policy that conﬂicts with the state law where this Policy is issued is changed to meet

the minimum requirements of that law.

T30361NUFIC-RTP-2-MN

26 27

TRIP CANCELLATION - AWARD PROGRAM RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

The following is added to the Trip Cancellation Beneﬁts:

When possible, reimbursement to the Insured will be made in the same form of payment used to purchase the travel

arrangements; for example, restoring loyalty points or rewards miles. The amount reimbursed will not exceed the Trip

Cost.

The following exclusion is removed from the TRIP CANCELLATION Exclusions:

costs for the Trip paid using loyalty rewards points, frequent travel miles, or other non-monetary redeemable points or

rewards through similar programs.

T30363NUFIC-TCAW 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

TRIP INTERRUPTION AWARDS PROGRAM RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of the deﬁnitions, exclusions, limitations

and provisions of the plan.

The following exclusion is removed from the TRIP INTERRUPTION Exclusions:

Costs for the Trip paid using loyalty rewards points, frequent travel miles, or other non-monetary redeemable points or

rewards through similar programs.

T30363NUFIC-TIAW 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

28 29

TRIP CANCELLATION FINANCIAL DEFAULT RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

The following Unforeseen event is added to the TRIP CANCELLATION beneﬁt:

Financial Default of a Travel Supplier; provided the Financial Default occurs more than 14 days following

the Insured’s effective date for the Trip Cancellation beneﬁt. There is no coverage for the Financial Default of any

person, organization, agency, or ﬁrm from whom the Insured purchased travel arrangements supplied by others.

Financial Default means the cessation or partial suspension of operations due to insolvency, with or without the ﬁling of

a bankruptcy petition, by a tour operator, cruise line, airline, resort, rental company, or other Travel Supplier.

Travel Supplier means the company or Common Carrier that provides travel arrangements for the Insured’s Trip.

T30363NUFIC-TCFD-1 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

TRIP INTERRUPTION FINANCIAL DEFAULT RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

The following Unforeseen event is added to the TRIP INTERRUPTION beneﬁt:

Financial Default of a Travel Supplier; provided the Financial Default occurs more than 14 days following the

Insured’s effective date for the Trip Interruption beneﬁt. There is no coverage for the Financial Default of any person,

organization, agency, or ﬁrm from whom the Insured purchased travel arrangements supplied by others.

Financial Default means the cessation or partial suspension of operations due to insolvency, with or without the ﬁling of

a bankruptcy petition, by a tour operator, cruise line, airline, resort, rental company, or other Travel Supplier.

Travel Supplier means the company or Common Carrier that provides travel arrangements for the Insured’s Trip.

T30363NUFIC-TIFD-1 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

30 31

EXTREME ACTIVITIES EXCLUSION WAIVER RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

The following exclusion is amended to remove the terms Adventure Activities and Extreme Activities in each

beneﬁt which it appears:

The Insured’s participation in Adventure Activities, Extreme Activities, or Dangerous Activities, except as

a spectator.

T30363NUFIC-EAW 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

PRIMARY COVERAGE RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of the deﬁnitions, exclusins, limitations

and provisions of the plan.

The Excess Insurance Limitation provision is deleted in its entirety. All beneﬁts will be paid on a Primary basis.

T30363NUFIC-P 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

32 33

TRAVEL MEDICAL EXPENSE EXTENDED CARE RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

The following is added to the TRAVEL MEDICAL EXPENSE beneﬁt:

The Company will pay a beneﬁt to reimburse the Insured for these expenses for all treatment related to the initial Injury

or Sickness for 365 days from the date of the ﬁrst treatment during the Trip, or until the Return Date, whichever is later.

The following language is deleted.

The Company will not pay for any expenses incurred after the Coverage Termination Date as shown in the Effective and

Termination Dates section of this Policy, regardless of the reason.

T30363NUFIC-XC 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

(1) the Insured is medically able to travel when the plan is purchased; and

(2) the amount of coverage purchased equals all Trip Costs up to the maximum shown in the Schedule including any

subsequent arrangements made for the same Trip. The Insured must update the coverage to include the additional

cost of the subsequent arrangements within 21 days of payment to the Travel Supplier.

If the Insured does not insure all Trip Costs, this waiver will be terminated and the Pre -Existing Medical Conditions

exclusion will apply.

If the Insured’s Trip Costs are greater than the maximum amount shown in the Schedule, the waiver will still apply as

long as the maximum amount of coverage is purchased.

T30363NUFIC-PXW-2 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

34 35

TRAVEL MEDICAL EXPENSE PHYSICAL THERAPY RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

The following is added to the TRAVEL MEDICAL EXPENSE Covered Expenses:

physical therapy or occupational therapy up to 10 visits. Visits must occur within 90 days of the date of the Injury or

Sickness or prior to the Return Date, whichever is later. A per visit Maximum Limit applies, as shown in the Schedule

or Declarations Page.

The following is removed from the TRAVEL MEDICAL EXPENSE Exclusions:

physical therapy or occupational therapy

T30363NUFIC-PT 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

HOSPITAL OF CHOICE RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

The following is added to the Emergency Evacuation beneﬁt:

Once the initial Transportation has occurred and the Insured has been stabilized and is medically able to travel,

the Insured may request to be transported to another location or Hospital of the Insured’s choice for further care,

recovery or treatment.

Hospital means a facility that:

(a) is licensed to operate according to law for the care and treatment of sick or Injured people; and

(b) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis;

and

(d) is supervised by one or more Physicians available at all times.

A hospital does not include:

(a) a nursing, convalescent or geriatric unit of a hospital when a patient is conﬁned mainly to receive nursing care; or

(b) a facility that is, other than incidentally, a rest home, nursing home, convalescent home, home health care, or home

for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes.

Physician means a licensed practitioner of medical, surgical, or dental services acting within the scope of their license.

The treating physician cannot be the Insured, a Traveling Companion, a Family Member, or a Business

Partner.

Transportation means any land, sea or air conveyance required to transport the Insured during an Emergency

Evacuation.

T30363NUFIC-HOC 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

36 37

RENTAL VEHICLE DAMAGE COVERAGE RIDER

Under Minnesota law, a personal automobile insurance policy must:

(1) cover the rental of this motor vehicle against damage to the vehicle and against loss of use of the

vehicle; and

(2) extend the policy’s basic economic loss beneﬁts, residual liability insurance, and uninsured and

underinsured motorist coverages to the operation or use of a rented motor vehicle. Therefore,

purchase of any collision damage waiver or similar insurance effected in this policy is not

necessary.”

In addition, purchase of any additional liability insurance is not necessary if your policy was issued

in Minnesota unless you wish to have coverage for liability that exceeds the amount speciﬁed in

your personal automobile insurance policy. No collision damage waiver or other insurance offered

as part of or in conjunction with a rental of a motor vehicle may be sold unless the person renting

the vehicle provides a written acknowledgment that the above consumer protection notice has been

read and understood.

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

The Company will pay a beneﬁt to reimburse the Insured up to the Maximum Limit shown in the Schedule or

Declarations Page and subject to the Deductible if an Insured’s rented vehicle is damaged while on a Trip due

to collision, vandalism, windstorm, ﬁre, hail or ﬂood while in his/her possession. Payment will be made for the lesser of:

(a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of

use” charges); or

(b) the Actual Cash Value of the vehicle.

Coverage is provided to the Insured and Traveling Companion, if both are licensed drivers and are listed on the

rental agreement.

This coverage is Primary to other forms of insurance or indemnity. The Company will pay ﬁrst, but reserves the right to

recover from the insurance carrier(s) of any other party involved in the Loss, other than the Insured. The Company will

not take steps to recover from any policy held by the Insured.

Rental Vehicle Damage Coverage Exclusions:

In addition to the General Exclusions, the following exclusions apply to the Rental Vehicle Damage Coverage beneﬁt.

Unless otherwise speciﬁed below, these exclusions apply to the Insured, Traveling Companion, and Family

Member. This beneﬁt will not cover any loss for, caused by, or resulting from:

(a) the Insured or Traveling Companion violating the rental agreement; or

(b) rentals of heavy duty trucks, campers, trailers, off road vehicles primarily used for off-road purposes motor bikes,

motorcycles, recreational vehicles, or Exotic Vehicles; or

(d) damage to any other vehicle, structure, or person as a result of a covered Loss (i.e. liability coverage); or

(e) the decreased value of the vehicle as a result of the accident and the subsequent repairs; or

(f) participation in contests of speed, motor sport or motor racing including training or practice for the same; or

(g) gross negligence, or willful and wanton conduct by an Insured; or

(h) any loss that occurs on a Trip with a Destination less than 100 miles from the Insured’s Primary Residence,

or on a Trip that is not overnight in length.

The Insured must: (a) take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; and

(b) report the Loss to the appropriate local authorities and the rental company as soon as possible; and (c) obtain all

information on any other party involved in a trafﬁc accident, such as name, address, insurance information, and driver’s

license number.

Actual Cash Value means purchase price less depreciation.

Exotic Vehicle means a vehicle over 20 years old, or any vehicle with an original manufacturer’s suggested retail price

greater than $75,000.

Primary means the Company will pay before any other insurance or indemnity.

Rental Vehicle Damage Coverage Proof of Loss: The Insured must provide AIG Claims, Inc. with the following:

(a) a copy of the rental contract; and

(b) a police, accident or incident report which provides details of the event; and

(d) pictures of the vehicle damage, including accident scene photos, if available; and

(e) proof of any payments made to the rental agency for the damage.

T30363NUFIC-RVDC-3 2018

NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

Executive Ofﬁces: 175 Water Street, 15th Floor, New York, NY 10038

(212) 458-5000

(a capital stock company, herein referred to as the Company)

The President and Secretary of the National Union Fire Insurance

Company of Pittsburgh, Pa. witness this Rider.

President Secretary

38 39

FLIGHT GUARD® RIDER

This Rider is attached to and made part of your insurance plan. It is subject to all of its deﬁnitions, exclusions, limitations

and provisions.

The Company will pay the Insured for this beneﬁt for one of the Losses shown in the Table of Losses below if the

Insured is Injured during the Trip while riding as a passenger in, or boarding, or alighting from, or being struck or

run down by a certiﬁed passenger aircraft provided by a Common Carrier and operated by a properly certiﬁed pilot.

The Loss must occur within 365 days of the date of the accident that caused the Injury. The Company will pay the

percentage shown below of the maximum limit shown in the Schedule or Declarations Page.

If more than one Loss is sustained by an Insured as a result of the same accident, only one amount, the largest applicable

to the Losses incurred, will be paid. The Company will not pay more than 100% of the maximum limit for all Losses due

to the same accident.

Table of Losses

Loss of % of maximum limit

Life ..........................................................................................................................................................................................100%

Both Hands or Both Feet ......................................................................................................................................................100%

Sight of Both Eyes .................................................................................................................................................................100%

One Hand and One Foot .....................................................................................................................................................100%

Either Hand or Foot, and Sight of One Eye ........................................................................................................................100%

Either Hand or Foot .................................................................................................................................................................50%

Sight of One Eye ..................................................................................................................................................................... 50%

“Loss” with regard to:

(a) hand or foot means actual severance through or above the wrist or ankle joints;

(b) sight means entire and irrecoverable loss of sight in that eye.

EXPOSURE

The Company will pay a beneﬁt for covered Losses as speciﬁed above which result from an Insured being unavoidably

exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event

which caused the exposure.

DISAPPEARANCE

The Company will pay for loss of life as shown above if the Insured’s body cannot be located within one year after a

disappearance due to an accident during the Trip.

Flight Guard Exclusions:

In addition to the General Exclusions, the following exclusions apply to the Flight Guard Beneﬁt. No beneﬁts will be paid

for any loss for, caused by, or resulting from:

(a) death caused by or resulting directly or indirectly from Sickness or disease of any kind; or

(b) stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack;

coronary thrombosis; aneurysm; or

(d) the Insured’s participation in Adventure Activities, Extreme Activities, or Dangerous Activities, except

as a spectator; or

(e) elective abortion; or

(f) Mental or Psychological Disorder of the Insured; or

(g) any loss that occurs on a Trip with a Destination less than 100 miles from the Insured’s Primary Residence or

to another residence of the Insured or Traveling Companion, or on a Trip that is not at least overnight in length.

DEFINITIONS

Terms within this Rider which are Capitalized, Bold and Italicized are deﬁned below.