Accident & Sickness Insurance Information for

Partner Comprehensive Ultimate Plan

This will provide travel/medical insurance underwritten by Crum & Forster SPC and administered by Fairmont Specialty Trust; with emergency

services coordinated by International Medical Group (“IMG”) and claims administration by Co-ordinated Benefit Plans, LLC. The policy is designed

for the traveler who may not have primary insurance or has limited coverage overseas. These plans provide extensive insurance coverage rich in

medical benefits. The policy also offers Emergency Medical Evacuation coverage with options for the addition of Security Evacuation coverage

and Trip Cancellation/Interruption coverage.

(“IMG”) and Crisis24. These policies are appropriate for travelers who may not have primary insurance or a primary insurance policy with

limited or no coverage overseas, and where they represent the best value for shorter duration trips due to their daily (10 -day minimum

purchase) and monthly rates.

In contrast to the Supplemental plans, the iNext Comprehensive plans offer primary coverage.

Benefits, you will be asked to provide the following: Name, address, phone number, iNext plan name and policy number.

Your insurance coverage is valid in any country outside of the 50 United States and the District of Columbia as well as outside one’s

Under the Trip Delay benefit, if you are unable to depart your destination on your scheduled flight due to a mandated quarantine you may be

eligible for up to $250 per day for up to 10-days for food and lodging expenses. You must be symptomatic for COVID with a positive COVID test

and under the care of a physician who certifies that due to a medically mandated quarantine you are unable to return on your scheduled flight. It

must provide the length of the quarantine.

Asymptomatic testing or testing for flights or country requirements are not covered under the iNext plans.

A complete list of exclusions can be found in the policy description.

No, however, you are strongly encouraged to contact International Medical Group at 463-274-2241 if you are hospitalized, require surgery or

treatment for a serious medical condition. Treatment by any licensed doctor or medical facility meets eligibility requirement s.

You should simply go to any doctor of your choice, pay the doctor, and then submit a claim for reimbursement. In outpatient scenarios, the

customary procedure is to pay first and then submit a claim for reimbursement. In certain covered emergency situations requiring inpatient

hospitalization International Medical Group (“IMG”) can issue a guarantee of payment for up to $5,000 to facilitate cashless access while a direct

Standard Evac: In the event of a covered Security or Natural Disaster scenario, Crisis 24 will, on a best-effort basis, arrange for your evacuation

from a safe departure point they designate to a safe haven of their selection. They will pay for your evacuation up to seven (7) days from the

date of the official disaster declaration issued by the relevant host country. They will assist with and pay for ground, water and/or air

transportation, as may be warranted, to a safe haven. There is an additional provision for Kidnapping/Ransom Negotiation. If evacuation becomes

impractical due to hostile or dangerous conditions, they will maintain contact with you and advise until evacuation becomes viable or the natural

disaster situation has passed. The decision to evacuate will be made by security personnel in consultation with local governments and security

analysts and in accordance with the definition of Emergency Political Repatriation outlined in the policy.

Enhanced Evac: Provides all coverages included in the Standard variant and adds numerous benefits. These include (but are not limited to) Pre-

Emptive Evacuation; Temporary Lodging/Forward Transit; Terrorism, Wrongful Detention; Extortion; Disappearance; Violent Crime , Man-Made

prevented from taking your trip for the following covered reasons:

Sudden and unexpected sickness, accidental injury, or death of the insured, traveling companion, or family member which

results in medically imposed restrictions as certified by a physician.

Weather which causes complete cessation of services of the Common Carrier for at least 18 consecutive hours and prevents the

insured from reaching their destination.

Unannounced Strike that causes complete cessation of services for at least 18 consecutive hours.

A Terrorist Incident that occurs within 30 days of your Scheduled Departure Date In a city listed on the itinerary of Your Trip.

Felonious Assault of You or Traveling Companion within 10 days of Schedule Departure Date.

*Please note that Trip Cancellation/Interruption coverage is non-refundable after purchase*

You should have the following information available to file a claim:

Program Reference Number (listed on the back of the iNext Travel Card or Confirmation of Insurance) for your plan.

What coverage type or benefit category the claim is under (e.g. Medical Expense, Baggage Loss, etc.)

The date the covered treatment or loss occurred.

The amount that was paid (if applicable).

You should complete the claim form for accuracy, sign the form, and return it to Co-ordinated Benefit Plans along with any requested supporting

documentation, such as original receipts, diagnosis, proof of travel (e.g., a copy of a flight itinerary), and primary insurance information.

It is important to remember to keep your receipts from doctor’s visits, pharmacy prescriptions and diagnosis records. These will be required by