|
Please note that a printable copy of this page is available.
DEFINITIONS
“Accident” means an unexpected, unintended, unforeseeable event causing Injury
or property damage. The Accident must happen while the Insured is covered
under the Policy.
“Baggage” means luggage and personal possessions, whether owned, borrowed,
or rented, taken by the Insured on the trip.
“Complication of Pregnancy” means a condition requiring Hospital confinement,
the diagnosis of which is distinct from pregnancy but adversely affected or
caused by pregnancy, such as: (a) acute nephritis or nephrosis; (b) cardiac decompensation;
(c) missed abortion; and (d) similar medical and surgical conditions of
comparable severity. Complications of Pregnancy will also include: (a) nonelective
cesarean section; (b) termination of ectopic pregnancy; and (c) spontaneous
termination of pregnancy, occurring during a period of gestation in which
a viable birth is not possible. However, the term Complication of Pregnancy
WILL NOT include: (a) false labor, occasional spotting, or morning sickness; (b)
Doctor prescribed rest; (c) hyperemesis gravidarum; (d) pre-eclampsia; or any
similar condition associated with the management of a difficult pregnancy not
consisting of a nosologically distinct Complication of Pregnancy.
“Default” means any failure of a provider of travel related services (including any
tour operator) to provide the bargained-for travel services or to refund money
due the Insured.
“Destination” means the place where the Insured expects to travel on his/her trip.
“Doctor” means a licensed practitioner of the healing arts, acting within the
scope of his/her license. The treating Doctor may not be the Insured, Family
Member or Traveling Companion.
“Family Member” means a Traveling Companion(s), and the Insured’s or Traveling
Companion’s spouse, child, spouse’s child, daughter-in-law, son-in-law, brother, sister,
mother, father, grandparents, grandchild, step-brother, step-sister, step-parents,
parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal
guardian, or legal ward. It also means the Insured’s business partner. (“Business
Partner” means someone who is a majority stockholder, managing officer, or
majority owner of the company.)
“Hospital” means a place that: (a) holds a valid license; (b) is run mainly for the
care and treatment of sick or injured persons as inpatients; (c) has a staff of one
or more Doctors available at all times; (d) provides 24-hour nursing service and
has at least one registered nurse on duty at all times; (e) has organized diagnostic
and surgical facilities, either on the premises or on a contract basis with another
Hospital; and (f) is not mainly a clinic, or facility for nursing, rest or convalescence,
or a place for the aged, drug addicts, alcoholics, or persons with mental or
nervous disorders.
“Initial Trip Payment” means the date the first deposit is made to the Insured’s
Travel Agent toward the cost of his/her trip.
“Injury” means a bodily Injury, caused by an Accident and resulting directly and independently
of all other causes in loss covered by the policy.The Accident must happen
while the Insured is covered under this policy.Also requires treatment by a Doctor.
“Insured” means the person named by the tour operator as a participant in this
insurance program.
“Insurer” means Insurance Company of North America.
“Medical Expenses” means reasonable and necessary costs of treatment for
Injury or Sickness which are provided by a medical Doctor, dentist, or professional
nurse on an emergency or urgent basis which are actually incurred by the Insured.
“Reasonable and Customary Expenses” means the prevailing charge made by
most providers of a given service in the geographic area where the service is
received. In no event will the Reasonable and Customary Expenses exceed the
actual amount charged.
“Return Destination” means the place to which the Insured expects to return
from his/her trip.
“Sickness”means an illness,disease,or Injury which requires treatment by a Doctor.
“Strike” means a stoppage of work (a) announced, organized, and sanctioned by a
Labor Union and (b) which interferes with the normal departure and arrival of a
common carrier. Included in the definition of Strike is work slowdowns and sickouts.
“Travel Agent” means the Travel Agent, tour operator, or other entity from which
the Insured purchases his/her coverage or travel arrangements, and includes all
officers, employees, and affiliates of the Travel Agent or tour operator.
“Traveling Companion” means a person who accompanies the Insured on the
entire trip and is named on the Insured’s application for coverage and shares
accommodations with him/her for the entire trip.
“Trip Completion Date” means the date on which the Insured is scheduled to
return to the point where the trip started, or to a different specified Return
Destination.
“Trip Departure Date” means the date on which the Insured is originally scheduled to leave on his/her trip.
“Unforeseen” means not anticipated or expected and occurring after the effective
date of the policy.
INDIVIDUAL INSURANCE
Persons eligible for insurance under this policy are any traveler(s) who is a U.S. or
Canadian resident who makes application for coverage and pays the premium providing
they have not already departed on their trip.
Effective Date: Trip Cancellation Benefit will be effective on the earliest of: (a)
the date the premium is paid; or (b) if purchased by phone via INSURE AMERICA
®, at 12:01 a.m. on the date after the telephone date; or (c) if purchased by mail
via INSURE AMERICA®, at 12:01 a.m. on the date after the postmark date.
All other coverages will begin on the latest of: (a) the date the premium is paid;
or (b) the date and time the Insured starts his/her trip; or (c) the scheduled Trip
Departure Date.
Termination Date: All coverage ends on the earlier of: (a) the date the trip is completed;
(b) the scheduled Trip Completion Date; (c) the Insured’s arrival at the
Return Destination on a round trip, or the Destination on a one-way trip; or (d)
cancellation of the trip covered by the policy.
This policy covers trips up to 180 days in length.
Extension of Coverage: All coverage under the policy will be extended, if: (a) the
Insured’s entire trip is covered by the policy; and (b) the Insured’s return is
delayed by unforeseeable circumstances beyond his/her control.
If coverage is extended for the above reasons, coverage will end on the earlier of:
(a) the date the Insured reaches his/her Return Destination; or (b) seven (7) days
after the date the trip was scheduled to be completed.
GENERAL EXCLUSIONS
These exclusions apply to all benefits. In addition to any exclusions which apply to
a particular benefit (called “Additional Exclusions”), this policy does not cover loss
caused by:
(a) intentionally self-inflicted harm, suicide, or attempted suicide while sane or
insane; (b) pregnancy or childbirth, or elective abortion, other than Complications
of Pregnancy; (c) participation in professional athletic events, motor sport, or
motor racing, including training or practice for the same; (d) mountain climbing;
(e) acts of war; (f) terrorism; (g) military duty or service; (h) operating or learning
to operate any aircraft, as pilot or crew; (i) air travel on any air-supported
device, other than a regularly scheduled airline or air charter company; (j) loss or
damage caused by detention, confiscation, or destruction by customs; (k) any
unlawful acts, committed by the Insured, a Traveling Companion, or a Family
Member, whether insured or not; (l) nuclear reaction, radiation, or radioactive
contamination; (m) civil disorder; (n) mental, psychological, or nervous disorders
including anxiety, depression, neurosis, or psychosis; (o) if the Trip Departure Date
and Trip Completion Date does not reflect the Insured’s intent to start and end
his/her trip on those dates; (p) if the Insured’s tickets do not contain specific travel
dates (open tickets); or (q) alcohol or substance abuse.
PRE-EXISTING MEDICAL CONDITION
EXCLUSION APPLICABLE TO ALL COVERAGES
The Insurer will not pay for loss or expense incurred as the result of Injury or
Sickness of an Insured or Family Member which manifests itself during the 60
days immediately preceding and including the Effective Date, unless the condition
is controlled through the taking of prescription drugs or medication and
remains controlled throughout the 60 day period. A Sickness has manifested
itself when: (a) medical care or treatment has been given; or (b) there exist
symptoms which would cause a reasonably prudent person to seek diagnosis,
care, or treatment.
MAXIMUM LIMIT OF LIABILITY:All limits are applied per trip.
The Insurer’s maximum limit of liability resulting from the same occurrence will
be $10,000,000 under the TGP policies. If loss for all Insureds from such an occurrence
exceeds $10,000,000, the Insurer will pay each Insured that proportion of
the Benefits stated which $10,000,000 bears to the total loss of all persons the
Insurer insures under all travel and flight insurance in force, under the TGP policies.
The Insurer will pay no more than $250,000 per occurrence, under the TGP
policies, to or on account of any person insured under the TGP policies.
TRIP CANCELLATION
AND INTERRUPTION
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule
of Benefits if a trip is delayed, canceled or interrupted due to any of the following
unforeseen reasons: (a) unforeseen Sickness, Injury, or death of an Insured or
Family Member. Injury or Sickness must be so disabling as to reasonably cause a
trip to be delayed, canceled or interrupted; (b) weather conditions causing delay
or cancellation of travel; (c) the Insured’s home being made uninhabitable by fire,
flood, vandalism, burglary or natural disaster; (d) the Insured being subpoenaed,
required to serve on jury duty, hijacked or quarantined; or (e) being involved in
or delayed due to a traffic accident en route to departure. This coverage does not
cover loss caused by: (i) carrier-caused delays including an announced, organized,
sanctioned union labor Strike that affects public transportation, unless the policy
effective date is prior to when the Strike is foreseeable.A Strike is foreseeable on
the date labor union members vote to approve a Strike; (ii) travel arrangements
canceled or changed by an airline, cruise line, or tour operator, unless the cancellation
is the result of bad weather; (iii) changes in plans by the Insured, a Family
Member or Traveling Companion, for any reason; (iv) financial circumstances of
the Insured, a Family Member, or a Traveling Companion; (v) any business or contractual
obligations of the Insured, a Family Member or a Traveling Companion;
(vi) Default by the person, agency, or tour operator from whom the Insured
bought his/her coverage or purchased his/her travel arrangements; (vii) any government
regulation or prohibition; (viii) an event or circumstance which occurs
prior to the effective date of coverage.
Trip Cancellation Benefits: The Insurer will pay this benefit up to the Maximum
Limit shown on the Schedule of Benefits for trips that are delayed or canceled
before the scheduled Trip Departure Date.
The Insurer will pay forfeited, non-refundable prepaid deposits or payments, or
unused prepaid payments or deposits if the Insured’s trip is canceled due to the
reasons shown at the beginning of this section.
The Insurer will pay the Insured’s additional cost as a result of a change in the per
person occupancy rate for prepaid travel arrangements if a Traveling Companion’s
trip is canceled due to reasons shown at the beginning of this section, and the
Insured’s trip is not canceled.
Trip Interruption Benefits: The Insurer will pay this benefit up to the Maximum Limit
shown on the Schedule of Benefits for trips that have been interrupted or delayed,
due to the reasons shown at the beginning of this section.The Insurer will pay for
the following: (a) forfeited, non-refundable prepaid deposits or payments, or
unused prepaid payments or deposits for the Insured’s trip if the Insured’s trip is
interrupted; or (b) additional transportation expenses incurred by the Insured,
either (i) to the Return Destination; or (ii) from the place that the Insured left the
trip to the place that the Insured may rejoin the trip; (c) additional transportation
expenses incurred by the Insured to reach the original Trip Destination if the
Insured is delayed, and leaves after the Trip Departure Date. However, the benefit
payable under (b) and (c) above will not exceed the cost of economy airfare (or
first class if the Insured’s original tickets were first class) by the most direct route,
less any refunds paid or payable; (d) the Insured’s additional cost as a result of a
change in the per person occupancy rate for prepaid travel arrangements if a
Traveling Companion’s trip is interrupted, and the Insured’s trip is continued.
TRAVEL DELAY
The Insurer will reimburse up to $100 a day to the Maximum Limit shown on the
Schedule of Benefits if the Insured’s trip is delayed for more than 12 hours for reasonable,
additional accommodation and traveling expenses until travel becomes
possible.Incurred expenses must be accompanied by receipts.This benefit is payable
for only one delay for all Insureds.Travel Delay must be caused by: (a) carrier delay;
or (b) lost or stolen passport, travel documents, or money; or (c) quarantine; or (d)
natural disaster; or (e) Injury or Sickness of the Insured or Traveling Companion.
LOSS OF BAGGAGE
AND TRAVEL DOCUMENTS
The Insurer will reimburse up to the Maximum Limit shown on the Schedule of
Benefits. The Insurer will pay all direct loss due to Accident to the Insured’s
Baggage, passports, and visas during the Insured’s trip.The Insurer will also pay for
loss due to unauthorized use of the Insured’s credit cards, if the Insured has complied
with all credit card conditions imposed by the credit card companies.
Continuation of Coverage: If the covered Baggage, passports, and visas are in
the charge of a charter or common carrier, and delivery is delayed, this coverage
will continue until such property is delivered to the Insured.This coverage does
not include loss caused by the delay.
Property Not Covered: The Insurer will not pay for damage or loss of: (a) animals;
(b) property used in trade, business, or for the production of income; (c) motor
vehicles, aircraft, and other conveyances; (d) artificial limbs, false teeth, any type of
eyeglasses, sunglasses or contact lenses; (e) tickets, except for administrative fees
required to reissue tickets; (f) money, stamps, stocks and bonds, postal or money
orders; (g) property shipped as freight, or shipped prior to the Trip Departure Date;
(h) credit cards, except as noted above; (i) contraband; (j) hearing aids.
Special Limitation: The Insurer will not pay more than $500 for the first item and,
thereafter, no more than $250 per item up to the limit of coverage as defined in the
Schedule of Benefits. Items over $150 should be accompanied by original receipts. If
receipts are not provided, benefits may be reduced.
Additional Exclusions: The Insurer will not pay this loss due to: (a) defective
materials or craftsmanship; or (b) normal wear and tear; or (c) deterioration; or
(d) rodents, animals, or insects.
Payment of Loss: The Insurer will pay, in cash, the cost of repair or replacement
of the Insured’s damaged Baggage, less depreciation; or at the Insurer’s option the
Insurer may repair or replace the Insured’s Baggage. The Insurer will notify the
Insured within 30 days after the Insurer receive his/her proof of loss.The Insurer
may take all or part of the damaged Baggage at the appraised or agreed value. In the
event of a loss to a pair or set of items, the Insurer may at the Insurer’s option: (a)
repair or replace any part to restore the pair or set to its value before the loss; or
(b) pay the difference between the value of the property before and after the loss.
BAGGAGE DELAY
The Insurer will reimburse up to the Maximum Limit shown on the Schedule of
Benefits for the cost of reasonable, additional clothing and personal articles purchased
by the Insured during the trip, if the Insured’s Baggage is delayed for more
than 24 hours. Incurred expenses must be accompanied by receipts.This does not
apply if Baggage is delayed after the Insured reaches his/her Return Destination.
MEDICAL EXPENSE BENEFIT
The Insurer will pay this benefit, up to the Maximum Limit shown on the Schedule
of Benefits. The Insurer will pay for Medical Expenses incurred by the Insured
within one year from the date of Injury or Sickness provided initial treatment was
received during the trip.The Injury must occur or Sickness must begin while the
Insured is covered by the policy.
Covered Expenses: The Insurer will pay the Insured’s Reasonable and Customary
medical and surgical expenses.The Insurer will pay emergency dental treatment
only during a trip. Dental coverage does not apply if treatment or expenses are
incurred after the Insured has reached their Return Destination regardless of the
reason.The treatment must be given by a Doctor or dentist.The Insurer will pay
for professional nursing, Hospital charges, X-ray, and ambulance services and
prosthetic devices.
If the Insured is covered by any other group, blanket health, Accident insurance,
or assistance plan, and would, as a result, receive total benefits in excess of the
expenses actually incurred, the benefits the Insurer will pay will be reduced by
such excess.The Insurer also will not pay for amounts paid or payable under any
workers’ compensation, disability benefit or similar law, or any services provided
by the Insured or a Family Member.
EMERGENCY MEDICAL
TRANSPORTATION
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule
of Benefits.The Insurer will arrange for emergency medical transportation services
required by the Insured as the result of an Injury or Sickness during a trip.
Covered Expenses: The Insurer will arrange and pay: (a) Reasonable and
Customary medical services required for evacuation to the nearest adequate medical
facility or home if medically required.This service will be arranged only if the
Insured’s Doctor determines that adequate medical treatment is not locally available;
(b) up to $5,000 for Reasonable and Customary escort expenses incurred by
Insured, if the Insured is disabled during a trip, and an escort is recommended, in
writing, by a Doctor; (c) Reasonable and Customary services for transportation of
the Insured’s remains to his/her place of residence if he/she dies during a trip.
Service must be provided by a provider designated by the Insurer.Timely notification
by the Insured to the Insurer’s designated provider is required.
Additional Benefit: In addition to the above Covered Expenses, if the Insurer
have previously evacuated an Insured to a medical facility, the Insurer will pay
his/her airfare costs from that facility to the Insured’s Return Destination, within
one year from the Insured’s original Trip Completion Date, less refunds from the
Insured’s unused transportation tickets. Airfare costs will be economy, or first
class if the Insured’s original tickets are first class. This benefit is available only if
it is not provided under another coverage in this policy.
Additional Exclusions: The Insurer also will not pay for services arranged without
the Insurer’s prior consent or approval. If services provided are covered under any
Worker’s Compensation, disability law, or health or Accident insurance policy, then
the Insured shall assign to the Insurer his/her rights to those benefits, to the extent
they are provided.The Insurer may require autopsy where lawful.Timely notification
by the Insured to the Insurer’s designated provider is required.
ACCIDENTAL DEATH
AND DISMEMBERMENT
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule
of Benefits if: (a) the Insured is injured in an Accident which happens while he/she
is on a trip and covered under the policy; and (b) he/she suffers one of the losses
listed below, within 180 days of the Accident.
The Principal Sum is shown on the Schedule of Benefits.
| Loss: | Percentage of Principal Sum Payable |
|---|
| Life | 100% |
| Both hands or feet, or sight of both eyes | 100% |
| One hand and one foot | 100% |
| One hand or one foot and sight of one eye | 100% |
| One hand | 50% |
| One foot | 50% |
| Sight of One Eye | 50% |
If the Insured suffers more than one loss from an Accident, the Insurer will pay
only for the loss with the larger benefit.
Loss of a hand or foot means complete severance at or above the wrist or ankle
joint. Loss of sight of an eye means complete and irrecoverable loss of sight.
Disappearance: If the Insured’s body is not found within one year of the disappearance,
forced landing, stranding, wrecking, or sinking of a conveyance in which
he/she was an occupant, he/she will be presumed dead.
Additional Exclusion: The Insurer will not pay for loss caused by or resulting
from Sickness of any kind.The Insurer may require autopsy where lawful.
TRAVEL GUARD® ASSISTANCE
All benefits provided are service benefits, not financial benefits.Any costs associated
with benefits not purchased will be paid by the named Insured.
24-HOUR MEDICAL ASSISTANCE
24-Hour Medical Monitoring: Physicians monitor the Insured’s condition by
maintaining close contact with the attending physicians, his/her family Doctor, and
Family Members.
Medical Evacuation: Arrangements for any and all means necessary to transport
the Insured back home when medically necessary.
Emergency Medical Payments: If a Hospital demands a cash deposit or settlement
prior to leaving, Travel Guard will assist in arranging the advancement of
funds to cover on-site Medical Expenses.
Prescription Assistance: Replacement of lost or stolen medication, through a
local pharmacy or special courier.
Transportation of Dependents: In the event of hospitalization, arrangements
will be made for unattended minors traveling with the Insured to be flown home.
Family Visit: If the Insured is hospitalized for ten or more days, Travel Guard will
arrange transportation for a Family Member or close friend to visit him/her.
Transportation of Mortal Remains: In the event of death while traveling,
arrangements for the return of remains to the place of burial.
24-HOUR LEGAL ASSISTANCE
In a legal emergency, referral to a local legal advisor, and advance of funds for bail
and legal fees.
24-HOUR TRAVEL ASSISTANCE
Travel Documents Assistance: Travel Guard will help retrieve, report, and reissue
lost or stolen travel documents.
Emergency Cash Transfer: Travel Guard will facilitate the transfer of funds
from the Insured’s U.S. bank or credit card or from the account or credit
card of a Family Member.
Emergency Message Center:Transmission of emergency messages to family and
business associates.
Interpretation Services: Travel Guard provides emergency language support or
referral to the appropriate local services.
24-HOUR LIVETRAVEL ASSISTANCE
Provides 24-hour assistance for emergency travel needs. Allows you
to make emergency travel changes such as rebooking flights, making
hotel reservations, tracking lost luggage, and replacing lost credit
cards. Call 1-800-826-8597 for assistance.
LIVE MESSAGING
Relay of e-mail or phone message to family, friends or business associates.
EMERGENCY CASH TRANSFER
Assistance in coordinating an emergency cash advance.
PRE-TRIP TRAVEL ADVICE
Around-the-clock access to passport, visa, inoculation and vaccine
requirements; travel advisories; embassy and consulate contacts; travel
health advisories; weather and currency information – all for the
Insured’s planned Destination.
PAYMENT OF CLAIMS
Claim Procedures: Notice of Claim: The Insured must call the Insurer as soon
as reasonably possible, and be prepared with what coverage the loss was under
(i.e. Medical Expense), the name of the company that arranged the trip (i.e. tour
operator, cruise line, or charter operator), the trip dates and the amount that the
Insured paid.The Insurer will complete the claim form and send it to the Insured
for his/her review/signature. This completed form should be returned to Travel
Guard Group, Inc., 1145 Clark Street, Stevens Point,Wisconsin 54481 (Telephone:
715-345-0505 or 800-826-7791). Insurer will then send the Insured claim forms.
Claim Procedures: Proof of Loss: The claim forms must be sent back to Insurer
no more than 90 days after a covered loss occurs or ends, or as soon after that
as is reasonably possible. All claims under this certificate must be submitted to
Travel Guard no later than one year after the date of loss or insured occurrence
or as soon as reasonably possible. If Insurer has not provided claims forms within
15 days after the notice of claim, other proofs of loss should be sent to Insurer
by the date claim forms would be due.This proof of loss should include written
proof of the occurrence, type and amount of loss.
Payment of Claims: When Paid: Claims will be paid as soon as the Insurer
receives complete proof of loss and verification of age.
Payment of Claims:To Whom Paid: Benefits paid on account of an Insured’s
death will be paid to the beneficiary he/she has chosen. This choice must be in
writing and filed with Insurer, or filed with Insured or Insured’s administrator if
Insurer has agreed in advance. If the Insured has not chosen a beneficiary, or if
there is no beneficiary alive when he/she dies, Insurer will pay this benefit: 1) to
his/her spouse, if living; 2) if not, in equal shares to his/her living children; 3) if
there are none, in equal shares to his/her living parents; 4) if there are none, in
equal shares to his/her living brothers and sisters; 5) if there are none, to his/her
estate.
If a benefit is payable to the Insured’s estate, or to a minor or other person who
is incapable of giving a valid release, Insurer may pay up to $500 to a relative or
other person who has assumed care or custody of the minor. Any payment
Insurer makes in good faith fully discharges Insurer to the extent of that payment.
All other benefits will be payable to the Insured. However, if he/she has assigned
his/her benefits, Insurer will honor the assignment, if Insurer has a signed copy of
the assignment.A payment made pursuant to such an assignment shall discharge
Insurer from further liability under the Policy to the extent of such payment.
Under no circumstances shall Insurer be responsible for the validity or sufficiency
of any such assignment.
Benefits for Medical Expense/Emergency Medical Transportation Services
may be payable directly to the provider of the services. However, the provider:
a) must comply with the statutory provision for direct payment, and b) must not
have been paid from any other sources.
Problems with your insurance? If so, do not hesitate to contact the insurance
company or agent to resolve your problem at 1145 Clark Street; Stevens Point,
WI 54481 or call 1-888-826-1300.
GENERAL PROVISIONS
Acts of Agents - No agent or any person or entity has authority to accept service
of the required proof of loss or demand arbitration on our behalf nor to alter,modify
or waive any of the provisions of this policy.
Choice of Law - The terms, conditions, and provisions of this policy are governed
by the substantive law of the State of Wisconsin, and all disputes hereunder shall be
governed and determined by the law of the State of Wisconsin.
Concealment or Fraud - The Insurer does not provide coverage for the Insured
if the Insured has intentionally concealed or misrepresented any material fact or
circumstance relating to this policy or claim.
Dispute Resolution - All suits, actions or legal proceedings seeking determination
of the rights and liabilities of the parties under this policy shall be submitted to
binding arbitration in accordance with the rules maintained by the American
Arbitration Association. A written demand for arbitration hereunder must be
made by the Insured and served upon the Insurer at 1145 Clark Street, Stevens
Point, WI 54481, on or before three years from the date of the insured occurrence
or be barred. No demand for arbitration can be brought to recover benefits unless
60 days have elapsed following written submission to the Insurer of the proof of
loss information required above.
Examination Under Oath - As often as the Insurer may require, the Insured must
submit to examinations under oath, and provide us with receipts, proofs of purchases,
or other records.
Legal Actions - No one may sue for benefits less than 60 days after due proof of
loss is submitted, nor more than 12 months ( or the minimum period of time permitted
by state law, if greater) after the date claim forms are due.
Our Recovery Rights - In the event of a payment under this policy, the Insurer is
entitled to all rights of recovery that the Insured, or the person to whom payment
was made, has against another.The Insured must sign and deliver to the Insurer any
legal papers relating to that recovery, do whatever is necessary to help the Insurer
exercise those rights, and do nothing after the loss to harm our rights. When an
Insured has been paid benefits under this policy but also recovers from another policy,
the amount recovered from the other policy shall be held in trust for the Insurer
by the Insured and reimbursed to the Insurer the extent of the Insurer’s payment.
Payment of Premium - Coverage is not effective unless all premium due has been
paid to Travel Guard prior to a date of loss or insured occurrence.
Satisfaction Guaranteed - The Insurer is committed to providing products and
services that will exceed expectations. If the Insured is not completely satisfied,
he/she can receive a refund. Requests must be submitted to Travel Guard in writing
within three days of the receipt of the policy, provided it is not past the original
departure date.
Termination of the Policy - Termination of the policy will not affect a claim for
loss which occurs while the policy is in force.
Transfer of Coverage - Coverage under the policy cannot be transferred by the
Insured to anyone else without prior written consent.
Notice to Florida residents: The benefits of the policy providing your coverage
are governed by the law of a state other than Florida.
Notice to New York residents: Not subject to the filing and/or approval requirements
of New York State Insurance law and regulations with respect to policy
and/or contract forms and rates.
Notice to Texas residents: This policy may provide a duplication of coverage
already provided by your personal auto insurance, homeowner’s, personal liability
policy, or other source of coverage.
END OF CERTIFICATE
|
