Full Policy Wording

Transport Services While Traveling

If you are hospitalized as an inpatient due to an illness or injury while traveling more than 150 miles from home, whether domestically or internationally, Air Ambulance Card will provide you with air medical transportation, medical evacuation, and repatriation services to the hospital of your choice in the United States or Canada.

Transport Services to Specialty Hospitals

If you are hospitalized as an inpatient in your hometown hospital and require admission to a specialty hospital located more than 150 miles away, and you are unable to travel without continuous medical care, Air Ambulance Card will provide air medical transportation to the specialty hospital, provided that the receiving physician and our Medical Director agree that the transport to the specialty hospital is medically necessary.

Medical Monitoring and Consultation

When Air Ambulance Card is notified that you have been hospitalized while traveling, our Medical Director will communicate with the attending physician and will continue to monitor your condition. If requested we will communicate with your family during transport or until the medical condition is resolved.

Transport of Mortal Remains

If a member dies while traveling internationally we will arrange and pay for all necessary government authorization, provide a container appropriate for airline transport, and return the remains to the member’s place of residence.

Full Policy Wording

Transport Services While Traveling

If you are hospitalized as an inpatient due to an illness or injury while traveling more than 150 miles from home, whether domestically or internationally, Air Ambulance Card will provide you with air medical transportation, medical evacuation, and repatriation services to the hospital of your choice in the United States or Canada.

Transport Services to Specialty Hospitals

If you are hospitalized as an inpatient in your hometown hospital and require admission to a specialty hospital located more than 150 miles away, and you are unable to travel without continuous medical care, Air Ambulance Card will provide air medical transportation to the specialty hospital, provided that the receiving physician and our Medical Director agree that the transport to the specialty hospital is medically necessary.

Medical Monitoring and Consultation

When Air Ambulance Card is notified that you have been hospitalized while traveling, our Medical Director will communicate with the attending physician and will continue to monitor your condition. If requested we will communicate with your family during transport or until the medical condition is resolved.

Transport of Mortal Remains

If a member dies while traveling internationally we will arrange and pay for all necessary government authorization, provide a container appropriate for airline transport, and return the remains to the member’s place of residence.

Full Policy Wording

DESCRIPTION OF 24-HOUR EMERGENCY ASSISTANCE SERVICES
(PROVIDED BY CSA’S DESIGNATED PROVIDER)
AVAILABLE SERVICES

Various 24-Hour Emergency Assistance Services are provided along with the CSA Travel Protection® plans. A description of all 24-Hour Emergency Assistance Services are contained in this document. The 24-Hour Emergency Assistance Services are only available to persons whose primary residence is in the United States or Canada. This plan is administered by CSA Travel Protection and Insurance Services.

HOW TO CALL THE 24-HOUR EMERGENCY HOTLINE

If you need emergency help for an available service, you can call toll-free 24 hours a day to (877) 243-4135 from within the United States, or call collect to (240) 330-1529 from around the world.

When calling, you should have available your Policy/Reference number and Plan Code, your location, a local telephone number, and details of the situation. After your coverage has been verified, the assistance provider will assist you. If you cannot call collect from your location, dial direct and give the assistance provider your telephone number and location and they will call you back.

To call collect from a foreign country you may first need to reach a live operator on the line. In some cases, that operator may not understand how to process collect calls to the United States. To be prepared, please visit www.consumer.att.com/global/english/away/directservice.html for information on how to reach an English-speaking operator. If you were unable to reach CSA collect and paid for your call, we will ask you for a number to call you back so you will pay no further charges.

In the event of a life-threatening emergency, please first call the local emergency authorities to receive immediate assistance and then contact the assistance provider.

There may be times when circumstances beyond the assistance provider’s control hinder their endeavors to provide help services; however, they will make all reasonable efforts to provide services and help resolve your problem.

The assistance provider cannot be held responsible for failure to provide, or for delay in providing services when such failure or delay is caused by conditions beyond its control, including but not limited to flight conditions, labor disturbance and strike, rebellion, riot, civil commotion, war or uprising, nuclear accidents, natural disasters, acts of God or where rendering service is prohibited by local law or regulations.

The assistance provider’s staff will do their best to refer you to the appropriate providers. However, the assistance provider and CSA cannot be held responsible for the quality or results of any services provided by these independent practitioners.

AVAILABILITY OF SERVICES
You are eligible for informational and concierge services at any time after you purchase this plan.

The Emergency Assistance Services become available when you actually start your trip.

Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when you reach your return destination; or when you complete your trip.

The Identity Theft Resolution Services become available on your scheduled departure date for your trip. Services end 180 days (six months) from the date of your scheduled departure date for your trip.

Identity Theft Resolution does not guarantee that its intervention on behalf of you will result in a particular outcome or that its efforts on behalf of you will lead to a result satisfactory to you.

Identity Theft Resolution does not include, and Identity Theft Resolution shall not assist you for thefts involving non-US bank accounts.

INFORMATIONAL SERVICES
The assistance provider offers a wide range of informational services before you leave home and during your trip, including: Visa, Passport, Inoculation and Immunization Requirements, Cultural Information, Temperature, Weather Conditions, Embassy and Consulate Referrals, Foreign Exchange Rates, and Travel Advisories.

EMERGENCY ASSISTANCE SERVICES

Consult A Doctor TM
Consult A Doctor offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate.

Medical Referral
If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local qualified doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest.

No Out-of-Pocket Medical Expense
If you develop an acute illness while on your trip that requires treatment by a physician, you should first call the Emergency Hotline to obtain the name of a local qualified physician in the assistance provider’s network. If an in-network physician is available, the assistance provider will schedule the medical visit and guarantee payment to the physician for a one-time medical visit not to exceed $1000. This service is only available provided there is coverage for the acute illness under the Medical or Dental Expense coverage and is subject to all restrictions, limitations and exclusions provided in the policy. This service is not applicable to expenses for emergency dental treatment.

Traveling Companion Assistance
If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home.

Emergency Cash Transfer
If your cash or traveler’s checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler’s checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you.

Legal Referral
The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees.

Locating Lost or Stolen Items
The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions.

Replacement of Medication and Eyeglasses
The assistance provider will arrange to fill a prescription that has been lost, stolen or requires a refill, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription refill, etc. are your responsibility. The refill may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician.

Embassy and Consular Services
The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates.

Worldwide Medical Information
The assistance provider can provide necessary inoculation and vaccination information, and detailed general health and medical descriptions of destinations around the world.

Interpretation/Translation
The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents.

Emergency Message Relay
Emergency messages can be relayed to and from friends, relatives, personal physicians and employers.

Pet Return
The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency.

Vehicle Return
The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle.

CONCIERGE SERVICES
City profiles provide travelers access to information on over 10,000 destinations worldwide, including a complete report on local entertainment, social customs, and health advisories.
Epicurean needs arranges the delivery of specialized foods and beverages to your home or office, including gourmet meats and fine wine.
Event ticketing provides tickets to virtually any sporting, theater or concert event worldwide.
Flowers and gift baskets include the purchase and shipment of flowers and gift baskets to friends, family members, and business associates.
Golf outings and tee times provide referrals and tee times at golf courses around the world.
Hotel accommodations offers research and recommendations on hotels worldwide and book reservations if requested by you.
Meet-and-greet services include the pick-ups of friends; family members or business associates at airports or other common carrier destinations by limousine personnel.
Personalized retail shopping assistance includes purchasing selected retail items at your request.
Pre-trip assistance provides information on travel destinations, city profiles, weather, special events, ATM locations, currency exchange rates, immunization and passport requirements, and related services.
Procurement of hard-to-find items ensures our associates will use every means possible to obtain an obscure or exotic item at your request.
Restaurant reviews and reservations provides you with information on restaurants worldwide and the ability to book reservations from anywhere, anytime.
Rental car reservations provide worldwide reservations through most major rental car agencies.
Airline reservations provide full-service air travel accommodations to destinations worldwide.
Pet Services Locator helps travelers find pet-related services such as veterinarians and pet sitters.
DESCRIPTION OF IDENTITY THEFT RESOLUTION SERVICES
(PROVIDED BY CSA’S DESIGNATED PROVIDER)
If you believe you are victim of Identity Theft, please contact our assistance provider at (877) 243-4135. A description of the service and terms of use are provided below. The assistance provider treats each “Identify Theft” as an emergency and, subject to the limitations set forth in this Program Description, performs, for you any or all of the following steps necessary to attempt to undo or prevent further damage upon receipt, by you, of a duly completed and executed “Authorization Form”.
• Obtain all pertinent credit information and history from you on the phone to determine if a fraud or theft has occurred.
• Educate you on how Identity Theft occurs and inform you of protective measures to take to avoid further occurrences.
• Provide you with a helpful ID Theft Resolution Kit.
• Provide you with a uniform ID Theft Affidavit (“Affidavit”), answer any question with regard to completing the Affidavit and submit the Affidavit to the proper authorities, credit bureaus, and creditors.
• Obtain list of creditors to be contacted and contact them with separate itemized fraudulent account statements for each fraudulent occurrence.
• Report or assist you in reporting the fraudulent activity to the local authorities and forward a report of the said fraudulent activity to your creditors.
• Notify all three major credit-reporting agencies to obtain a free credit report for you and place an alert on your records with the agencies, and obtain a list of additional creditors from you.
• If the Identity Theft Affidavit proves that you are a victim of Identity Theft, the assistance provider shall provide access via postal mail to credit monitoring to you for one year.
• Place a “security freeze” on your credit records, in states where such law was passed.
• Submit “Authorization Form” and Affidavit to your creditors requesting cancellation of your card(s) and an issuance of a new one(s).
• If other forms of identification were stolen or missing, such as an ATM card, Driver’s License, Social Security Card, Passport and so forth, notify or assist you in notifying the appropriate bank or agency of the situation so that you may take appropriate action and reissue a new form of identification.
• Provide you with assistance in filing or submitting paperwork for special ID Theft Protective measures, specific to your state of residence.
• On a weekly basis, until file is closed, contact you with an updated status report.
• When needed, follow up with creditors to ensure that the matter has been properly handled.

Full Policy Wording

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains – In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your Home.

24 Hour Legal Assistance – If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline – Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer you to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide Travel Services Network may be held responsible for the availability, quality or results of any medical treatment or your failure to obtain medical treatment.

One Call Travel Solutions
24-Hour Worldwide Travel Services

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

One Call Concierge Services

• Restaurant, shopping, hotel recommendations/ reservations
• Local transport (rental car/limousine, etc.) information and reservations
• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• Golf course information, referrals, recommendations and tee times
• Tracking and assisting with the return of lost or delayed baggage

Access Your Medical Records Online
With our exclusive Free Global Xpi Service, you can assure that your important medical records are available to you or any Physician chosen by you, at any time, anywhere in the world, quickly, wherever there is internet access available. Register at www.globalxpi.com or call, toll free: 1-800-379-9887 Use Program Code 875

These Services are Provided by: Global Xpi, Inc.

Business Services

• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print/ copy services
• assistance with or arrangements for telephone and web conferencing
• emergency messaging to customers, associates, and others (phone, fax, e-mail, text, etc.)
• real time weather, travel delay and flight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

CONTACTING ONE CALL’S 24-HOUR SERVICE CENTER

When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.

• Within U.S.A. & Canada 1-800-555-9095
• Outside U.S.A. & Canada 1-603-894-4710

Your Plan number: 875

The 24-Hour Assistance Services are provided by: One Call Worldwide Travel Services Network, Inc.

Full Policy Wording

Atlas plans include valuable travel and medical assistance services, which are available to you 24 hours a day, 7 days a week. Contact HCCMIS to access any of these services.

Pre-Trip Destination Information — Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country

Medical Monitoring — Consultations with attending medical professionals during your hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding your medical status

Provider Referrals — Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken

Travel Document Replacement – Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents

Lost Luggage Assistance – Tracking service to assist in locating luggage or other items lost in transit

Other travel and medical assistance services available include:
Prescription Drug Replacement
Emergency Travel Arrangements
Dispatch of Physician
Translation Assistance
Credit Card/Traveler Check Replacement

For a complete list of available assistance services or for more information, please contact HCCMIS.

Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

• Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
• Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
• Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
• Access to Travel News, critical health and security news from around the globe.
• Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
• Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

• Access to contracted doctors in more than 150 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
• Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 590 destinations worldwide.
• Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
• Access to Travel News, critical health and security news from around the globe.
• Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
• Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

• Access to contracted doctors in more than 150 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
• Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 590 destinations worldwide.
• Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
• Access to Travel News, critical health and security news from around the globe.
• Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
• Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

• Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
• Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
• Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
• Access to Travel News, critical health and security news from around the globe.
• Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
• Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

Full Policy Wording

Various 24-Hour Emergency Assistance Services are provided along with the HTH Worldwide plans. A description of all 24-Hour Emergency Assistance Services are contained in this document. The 24-Hour Emergency Assistance Services are only available to persons whose primary residence is in the United States or Canada. This plan is administered by HTH Worldwide Insurance Services.

HOW TO CALL THE 24-HOUR
EMERGENCY HOTLINE

If you need emergency help for an available service, you can call toll-free 24 hours a day to (866) 922-0278 from within the United States, or call collect to (202) 974-6480 from around the world.

When calling, you should have available your Policy/Reference number and Plan Code, your location, a local telephone number, and details of the situation. After your coverage has been verified, the assistance provider will assist you. If you cannot call collect from your location, dial direct and give the assistance provider your telephone number and location and they will call you back.

To call collect from a foreign country you may first need to reach a live operator on the line. In some cases, that operator may not understand how to process collect calls to the United States. To be prepared, please visit www.consumer.att.com/global/english/away/directservice.html for information on how to reach an English-speaking operator. If you were unable to reach HTH collect and paid for your call, we will ask you for a number to call you back so you will pay no further charges.

In the event of a life-threatening emergency, please first call the local emergency authorities to receive immediate assistance and then contact the assistance provider.

There may be times when circumstances beyond the assistance provider’s control hinder their endeavors to provide help services; however, they will make all reasonable efforts to provide services and help resolve your problem.

The assistance provider cannot be held responsible for failure to provide, or for delay in providing services when such failure or delay is caused by conditions beyond its control, including but not limited to flight conditions, labor disturbance and strike, rebellion, riot, civil commotion, war or uprising, nuclear accidents, natural disasters, acts of God or where rendering service is prohibited by local law or regulations.

The assistance provider?s staff will do their best to refer you to the appropriate providers. However, the assistance provider and HTH cannot be held responsible for the quality or results of any services provided by these independent practitioners.

AVAILABILITY OF SERVICES

You are eligible for informational and concierge services at any time after you purchase this plan.

The Emergency Assistance Services become available when you actually start your trip.

Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when you reach your return destination; or when you complete your trip.

INFORMATIONAL SERVICES

The assistance provider offers a wide range of informational services before you leave home and during your trip, including: Visa, Passport, Inoculation and Immunization Requirements, Cultural Information, Temperature, Weather Conditions, Embassy and Consulate Referrals, Foreign Exchange Rates, and Travel Advisories.

EMERGENCY ASSISTANCE SERVICES

Traveling Companion Assistance

If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home.

Emergency Cash Transfer

If your cash or traveler?s checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler?s checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you.

Legal Referral

The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees.

Locating Lost or Stolen Items

The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions.

Replacement of Medication and Eyeglasses

The assistance provider will arrange to fill a prescription that has been lost, stolen or requires a refill, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription refill, etc. are your responsibility. The refill may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician.

Embassy and Consular Services

The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates.

Interpretation/Translation

The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents.

Emergency Message Relay

Emergency messages can be relayed to and from friends, relatives, personal physicians and employers.

Pet Return

The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency.

Vehicle Return

The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle.

CONCIERGE SERVICES

City profiles provide travelers access to information on over 10,000 destinations worldwide, including a complete report on local entertainment, social customs, and health advisories.

Epicurean needs arranges the delivery of specialized foods and beverages to your home or office, including gourmet meats and fine wine.

Event ticketing provides tickets to virtually any sporting, theater or concert event worldwide.

Flowers and gift baskets include the purchase and shipment of flowers and gift baskets to friends, family members, and business associates.

Golf outings and tee times provide referrals and tee times at golf courses around the world.

Hotel accommodations offers research and recommendations on hotels worldwide and book reservations if requested by you.

Meet-and-greet services include the pick-ups of friends; family members or business associates at airports or other common carrier destinations by limousine personnel.

Personalized retail shopping assistance includes purchasing selected retail items at your request.

Pre-trip assistance provides information on travel destinations, city profiles, weather, special events, ATM locations, currency exchange rates, immunization and passport requirements, and related services.

Procurement of hard-to-find items ensures our associates will use every means possible to obtain an obscure or exotic item at your request.

Restaurant reviews and reservations provides you with information on restaurants worldwide and the ability to book reservations from anywhere, anytime.

Rental car reservations provide worldwide reservations through most major rental car agencies.

Airline reservations provide full-service air travel accommodations to destinations worldwide.

Pet Services Locator helps travelers find pet-related services such as veterinarians and pet sitters.

Full Policy Wording

IMG offers a comprehensive range of international medical insurance and travel insurance products for every insurance need. Whether you need individual coverage for a vacation, extended coverage for a long-term stay abroad, or group coverage for employees in locations around the world, we’ve got the right plan for you. IMG’s exceptional services also provide you:

• 24/7/365 service for emergencies anywhere in the world
• Access to a global network of highly qualified providers
• Responsive medical management in the event of medical emergencies anywhere in the world
• International, multilingual customer service centers
• Access to useful, informative online tools that provide the information you need and save you time when you may need it most

Full Policy Wording

Emergency Travel Arrangements:
In the event you must return home or discontinue your trip as a result of an interruption in travel due to an illness in your immediate family (spouse, children, parents, in-laws or grandparents), we will help you make the appropriate travel arrangements. You are responsible for the cost of the travel tickets.

Lost Passport/Travel Documents Assistance:
We will help you retrieve, report or replace lost or stolen travel documents e.g. passport, credit cards, airline tickets, etc.

Lost Luggage Assistance:
We will assist you with the return of your lost luggage by communicating with the commercial carrier.

Embassy or Consulate Referral: :
We will inform you of the location and contact telephone numbers for the nearest embassy or consulate, no matter where you are.

Emergency Message Relay: :
We will receive or transmit emergency messages between you, your family or your employer.

Emergency Prescription Replacement: :
We will assist you with the replacement of lost or damaged prescription medication. You are responsible for the cost of the actual medication and shipping costs, if any.

Medical Referral: :
If urgent medical advice or care is needed, we are prepared to refer you to the nearest, most appropriate care facility or provide a listing of available medical care to you. At your request, we will assist with obtaining an appointment with the medical care provider you have chosen.

24-Hour Medical Monitoring:
If you are hospitalized, we will provide medical professionals to communicate with your treating doctor(s) and help you monitor your condition. We will also communicate with your family doctor and family member(s), as you direct us. This service helps you obtain all the facts you need to make informed decisions concerning your medical care.

Emergency Cash Transfer: We will help you transfer funds, up to $500 USD, in the event you have a medical or travel emergency.

Legal Referrals: We will provide you with a referral to the nearest attorney upon your request.

Emergency Translations: We will provide personal, emergency telephone translation services upon your request. We can also refer you to a local interpreter service should you require language assistance.

Full Policy Wording

Emergency Travel Arrangements:
In the event you must return home or discontinue your trip as a result of an interruption in travel due to an illness in your immediate family (spouse, children, parents, in-laws or grandparents), we will help you make the appropriate travel arrangements. You are responsible for the cost of the travel tickets.

Lost Passport/Travel Documents Assistance:
We will help you retrieve, report or replace lost or stolen travel documents e.g. passport, credit cards, airline tickets, etc.

Lost Luggage Assistance:
We will assist you with the return of your lost luggage by communicating with the commercial carrier.

Embassy or Consulate Referral:
We will inform you of the location and contact telephone numbers for the nearest embassy or consulate, no matter where you are.

Emergency Message Relay:
We will receive or transmit emergency messages between you, your family or your employer.

Emergency Prescription Replacement:
We will assist you with the replacement of lost or damaged prescription medication. You are responsible for the cost of the actual medication and shipping costs, if any.

Medical Referral:
If urgent medical advice or care is needed, we are prepared to refer you to the nearest, most appropriate care facility or provide a listing of available medical care to you. At your request, we will assist with obtaining an appointment with the medical care provider you have chosen.

24-Hour Medical Monitoring:
If you are hospitalized, we will provide medical professionals to communicate with your treating doctor(s) and help you monitor your condition. We will also communicate with your family doctor and family member(s), as you direct us. This service helps you obtain all the facts you need to make informed decisions concerning your medical care.

Emergency Cash Transfer: We will help you transfer funds, up to $500 USD, in the event you have a medical or travel emergency.

Legal Referrals: We will provide you with a referral to the nearest attorney upon your request.

Emergency Translations: We will provide personal, emergency telephone translation services upon your request. We can also refer you to a local interpreter service should you require language assistance.

Full Policy Wording

DESCRIPTION OF TRAVEL ASSISTANCE SERVICES

MedjetAssist is an annual membership program arranging worldwide medical evacuation and emergency consultation services. Members are provided with access to both medically dedicated aircraft and commercial medical escorts capable of transferring them from domestic and interna- tional destinations to the hospital of their choice. In addition, MedjetAssist provides members with access to medical professionals for consultations, medical and legal referrals, travel medicine consultations, passport and visa services and other member services.

WORLDWIDE EVACUATION AND REPATRIATION

When a member becomes hospitalized as an inpatient due to illness or injury while traveling 150 miles or more from home, MedjetAssist will arrange for medical transportation and repatriation services to the hospital of the member’s choice.

MEDICAL MONITORING/CONSULTATION

As soon as MedjetAssist is notified of a member’s medical situation, the medical staff will establish communication with both the family and the local attending medical provider, obtain a full understanding of the situation and begin to monitor the member’s condition. Medical professionals will stay in communication with the local medical personnel and relay necessary information to the member and his or her family or employer until the situation is resolved and the member is either able to resume travel or a medical transfer is initiated.

MEDICAL REFERRALS

MedjetAssist representatives will provide contact information for doctors and hospitals in the area in which the member is traveling. The selection and payment of the medical provider remain the member’s responsibility. Telephone interpretation can be provided when necessary.

EMERGENCY MESSAGE RELAY

Members may send and receive emergency messages to and from relatives, friends, and business associates toll free, 24 hours a day through the MedjetAssist staff.

TELEPHONE INTERPRETATION

Members can receive assistance with foreign language interpretation over the telephone when they are having difficulty communicating with local medical specialists, by calling our toll-free number (800-527-7478) in the U.S., Canada or Caribbean or calling collect from anywhere in the world (205-595-6626).

TRANSFER OF MORTAL REMAINS

In the event of a member’s death while traveling 150 miles or more away from the registered membership home address, MedjetAssist will arrange and pay for the preparation and return of the members remains. This membership benefit will include:
• Domestic and international paperwork fees
• Preparation of the members remains for transfer
• Transfer container
• Ground and airline transfer from the referring funeral home to the funeral home of choice for the members remains
• 1 death certificate

LEGAL REFERRALS

MedjetAssist provides contact information for attorneys in the areas in which these members are traveling. Telephone interpretation can be provided when necessary. The selection and payment of the attorneys are the responsibility of the members.

OTHER TRAVEL RELATED INFORMATION SERVICES

· Travel, Health & Security Precautions for International Destinations
· Visa, Passport & Immunization Requirements
· Travel Security Briefings for Specific Destinations
· Cultural & Weather Information for International Destinations
· Embassy & Consular Referrals

For Additional Cost:
· Expedited Visa and Passports
· Replacement of Lost or Stolen Visas and Passports
· Comprehensive Pre-Travel Medical Consultations

Full Policy Wording

DESCRIPTION OF TRAVEL ASSISTANCE SERVICES

MedjetAssist is a membership program arranging worldwide medical evacuation and emergency consultation services. Members are provided with access to both medically dedicated aircraft and commercial medical escorts capable of transferring them from domestic and international des- tinations to the hospital of their choice. In addition, MedjetAssist provides members with access to medical professionals for consultations, medical and legal referrals, travel medicine consultations, passport and visa services and other member services.

WORLDWIDE EVACUATION AND REPATRIATION

When a member becomes hospitalized as an inpatient due to illness or injury while traveling 150 miles or more from home, MedjetAssist will arrange for medical transportation and repatriation services to the hospital of the member’s choice.

MEDICAL MONITORING/CONSULTATION

As soon as MedjetAssist is notified of a member’s medical situation, the medical staff will establish communication with both the family and the local attending medical provider, obtain a full understanding of the situation and begin to monitor the member’s condition. Medical professionals will stay in communication with the local medical personnel and relay necessary information to the member and his or her family or employer until the situation is resolved and the member is either able to resume travel or a medical transfer is initiated.

MEDICAL REFERRALS

MedjetAssist representatives will provide contact information for doctors and hospitals in the area in which the member is traveling. The selection and payment of the medical provider remain the member’s responsibility. Telephone interpretation can be provided when necessary.

EMERGENCY MESSAGE RELAY

Members may send and receive emergency messages to and from relatives, friends, and business associates toll free, 24 hours a day through the MedjetAssist staff.

TELEPHONE INTERPRETATION

Members can receive assistance with foreign language interpretation over the telephone when they are having difficulty communicating with local medical specialists, by calling our toll-free number (800-527-7478) in the U.S., Canada or Caribbean or calling collect from anywhere in the world (205-595-6626).

TRANSFER OF MORTAL REMAINS

In the event of a member’s death while traveling 150 miles or more away from the registered membership home address, MedjetAssist will arrange and pay for the preparation and return of the members remains. This membership benefit will include:
• Domestic and international paperwork fees
• Preparation of the members remains for transfer
• Transfer container
• Ground and airline transfer from the referring funeral home to the funeral home of choice for the members remains
• 1 death certificate

LEGAL REFERRALS

MedjetAssist provides contact information for attorneys in the areas in which these members are traveling. Telephone interpretation can be provided when necessary. The selection and payment of the attorneys are the responsibility of the members.

OTHER TRAVEL RELATED INFORMATION SERVICES

· Travel, Health & Security Precautions for International Destinations
· Visa, Passport & Immunization Requirements
· Travel Security Briefings for Specific Destinations
· Cultural & Weather Information for International Destinations
· Embassy & Consular Referrals

For Additional Cost:
· Expedited Visa and Passports
· Replacement of Lost or Stolen Visas and Passports
· Comprehensive Pre-Travel Medical Consultations

Full Policy Wording

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

One Call Concierge Services
• Restaurant, shopping, hotel recommendations/ reservations
• Local transport (rental car/limousine, etc.) information and reservations
• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• Golf course information, referrals, recommendations and tee times
• Tracking and assisting with the return of lost or delayed baggage

Business Services
• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print/ copy services
• assistance with or arrangements for telephone and web conferencing
• emergency messaging to customers, associates, and others (phone, fax, e-mail, text, etc.)
• real time weather, travel delay and flight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

Full Policy Wording

Upon enrollment into Liaison Worldwide Plan, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the Plan Summary. open 24 hours / day, 365 days a year. Multilingual personnel – Physicians / Nurses on staff – Locate local facilities – Help with emergency situations.

Full Policy Wording

TRAVEL ASSISTANCE

The Travel Assistance feature provides a variety of travel related services. Services offered include: Medical evacuation / repatriation · Repatriation of remains · Medical or legal referral · Hospital admission guarantee · Emergency cash advance* · Translation service · Prescription drug / eyeglass replacement* Passport / visa information · Bail bond* · Lost Baggage retrieval · Inoculation information

Payment reimbursement to the Assistance Company is Your responsibility

For travel assistance services only

CALL TOLL FREE: 800-690-6295 (within the United States and Canada) OR
CALL COLLECT: 317-818-2808 (from all other locations)

Travel assistance services are provided by an independent organization and not by Nationwide Mutual Insurance Company or it’s affiliated companies or Seven Corners, Inc.

There may be times, when circumstances beyond the Assistance Company’s control, hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help you resolve your emergency situation.

Full Policy Wording

Contact information for Seven Corners Assist is provided below and on the back of Your virtual ID Card. Our multilingual representatives are available 24/7 to help you. Contact us immediately for Emergency Medical Evacuation, Return of Remains, Emergency Reunion, and Return of Minor Child(ren).

A listing of network providers can be found at www.sevencorners.com/networkproviders or by contacting Seven Corners Assist.

In addition, WellAbroad.com provides a complete listing of providers as well as other important and varied up-to-date travel information.

Seven Corners Assist
Inside the United States: 1-800-690-6295
Outside the United States: 0-317-818-2808 (Collect)
Fax: 1-317-815-5984
E-mail: assist@sevencorners.com

Wellabroad.com

In our ever changing world, Seven Corners’ WellAbroad® seeks to prepare individuals and groups with the advanced tools for successful travel. WellAbroad® offers medical, political and cultural information and includes many benefits and educational resources, such as:
• Text messaging alerts – Registered users receive updates regarding weather emergencies, security issues, custom alerts, and health care or pandemic warnings.
• Provider network directory – Clients and travelers can create customized country profiles which allow instant access to providers in the specified regions to which they are traveling.
• Online forums – Fellow travelers and Seven Corners’ staff post experiences and travel tips which can be accessed at any time.

Full Policy Wording

Contact information for Seven Corners Assist is provided below and on the back of Your virtual ID Card. Our multilingual representatives are available 24/7 to help you. Contact us immediately for Emergency Medical Evacuation, Return of Remains, Emergency Reunion, and Return of Minor Child(ren).

A listing of network providers can be found at www.sevencorners.com/networkproviders or by contacting Seven Corners Assist.

In addition, WellAbroad.com provides a complete listing of providers as well as other important and varied up-to-date travel information.

Seven Corners Assist
Inside the United States: 1-800-690-6295
Outside the United States: 0-317-818-2808 (Collect)
Fax: 1-317-815-5984
E-mail: assist@sevencorners.com

Wellabroad.com

In our ever changing world, Seven Corners’ WellAbroad® seeks to prepare individuals and groups with the advanced tools for successful travel. WellAbroad® offers medical, political and cultural information and includes many benefits and educational resources, such as:
• Text messaging alerts – Registered users receive updates regarding weather emergencies, security issues, custom alerts, and health care or pandemic warnings.
• Provider network directory – Clients and travelers can create customized country profiles which allow instant access to providers in the specified regions to which they are traveling.
• Online forums – Fellow travelers and Seven Corners’ staff post experiences and travel tips which can be accessed at any time.

Full Policy Wording

Upon enrollment into Liaison Worldwide Plan, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the Plan Summary. open 24 hours / day, 365 days a year. Multilingual personnel – Physicians / Nurses on staff – Locate local facilities – Help with emergency situations.

Full Policy Wording

travel assistance services

assistance with travel

pre-trip information: Provide information concerning inoculation and visa requirements for countries worldwide

weather information: Concerning local weather conditions

exchange rate information: Present-Day currency rates, etc.

embassy referral: Providing contact information for the nearest embassies around the world

interpreter referral: Contact information for interpreters around the world

lost passport: Provide directions for lost passport recovery to insureds while traveling outside of their home country

emergency message: In the event of a medical emergency, assistance in relaying urgent messages to family, friends, or business associates at the insured’s request

hotel accommodation: In case of insured’s hospitalization outside of their home country, assistance in locating hotel accommodation for insured’s traveling companion

medical assistance while traveling

24-hour telephone contact: Should medical emergencies arise, there is help in locating medical care

conference calls: Arranging telephone conferences between your attending and home physicians

second opinions: Arranging second medical opinions in hospital cases

emergency messages: Relaying emergency messages to family and employer during medical emergencies

payment guarantee: Guarantee or payment of medical bills or authorizing medical benefits according to the program for eligible benefits only.

ticketing services: 24-hour ticketing service to arrange emergency family visits

medical evacuations: Arranging emergency medical evacuation from medically underserved areas

repatriation: Arranging medical transportation home after treatment

medical / travel escorts: Arranging escorts and transportation for unaccompanied children

medical records: Arranging transfer of medical records

remains return: Arranging repatriation of remains for deceased travelers

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Assistance with repatriation of mortal remains
• Return travel arrangements
• Assistance with emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or consulate referral
• Currency conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel® Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Assistance with rental vehicle return
• Guaranteed hotel check-in
• Missed connection coordination

*Non-insurance services are provided by Travel Guard.

Full Policy Wording

Travel Guard Assist

All Travel Guard Assist services provided are services, and are not insurance benefits and are not provided by the Insurer.

Travel Medical Assistance

• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Repatriation of mortal remains
• Return travel arrangements
• Emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Medical equipment rental/replacement

Worldwide Travel Assistance

• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or Consulate Referral
• Currency Conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel Emergency Assistance

• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental Vehicle Return
• Guaranteed hotel check-in
• Missed connections coordination

Adventure Traveler?s 24-Hr Hotline

This valuable 24/7 hotline provides a one-stop source for information that adventure travelers may need, including:

• Weather reports and travel advisories
• Assistance locating the nearest crag, whitewater or trail
• Information on access issues
• Construction and detour information
• Locations of nearby gear shops, guides and outfitters

Roadside Assistance*

• Towing Assistance When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer.
• Flat Tire Assistance Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. Towing assistance will be provided if needed.
• Oil, Fluid, and Water Delivery Service An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for costs of the fluids if there is one.
• Fuel Delivery Service An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the costs of the fluids if there is one.
• Lock-out Assistance Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside.
• Battery Assistance Battery assistance (jump-start) will be provided to any covered customer in immediate need.
• Collision Assistance If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility.

*Roadside Assistance provided by Coach-Net Services Inc., 900 N Lake Havasu Ave, Lake Havasu City, AZ 86403. $50 limit per occurrence. The authorized service providers contracted to perform the service are independent contractors and not agents or employees of Coach-Net. To activate the roadside assistance benefit, customer must contact Travel Guard directly for services to be rendered and for the benefit to apply. No reimbursement will be made unless Travel Guard makes all roadside assistance arrangements.

Business Assistant
(Available only with Cancel for Work Reasons Option)

• Emergency dictation and business correspondence assistance.
• Business Service location assistance (quick printers, internet cafes, overnight delivery, etc).
• 411 Global Directory Service.
• Wireless Accessory Replacement Assistance.
• Business Conference Call Coordination.
• Urgent Messaging to clients, colleagues & family members.
• Up-to-the-minute travel delay and departure reports.
• Driving and walking directions worldwide.
• Emergency return travel arrangements.

Non-insurance services are provided by Travel Guard Assist. Make sure you call Travel Guard Assist(1.800.826.1300 or collect 1.715.345.0505) before you seek medical care while traveling. Where available, we can arrange direct payment to a member of our Preferred medical network, saving you the time and paperwork associated with reimbursement of medical expenses. Our assistance coordinators also can help you locate the nearest and most appropriate medical provider, monitor your care, and provide updates to your family and/or employer.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer.Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Assistance with repatriation of mortal remains
• Return travel arrangements
• Assistance with emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports • Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or consulate referral
• Currency conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel® Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Assistance with rental vehicle return
• Guaranteed hotel check-in
• Missed connection coordination

Business Assistant
• Business service location assistance (quick printers, internet cafes, overnight delivery, etc).
• “411” global directory service.
• Wireless accessory replacement assistance.
• Business conference call coordination.
• Urgent messaging to clients, colleagues & family members.
• Up-to-the-minute travel delay and departure reports.
• Driving and walking directions worldwide.
• Emergency return travel arrangements.

Concierge Services
• Restaurant referrals and reservations
• Ground transportation
• Event ticketing
• Tee times and course recommendations
• Floral services

Identity Theft
• Assist identity theft victim with ordering and reviewing credit bureau records
• Assist identity theft victim with investigating financial accounts where identity theft is suspected
• Assist identity theft victim with communications with creditors to help make the creditors aware of the victim’s identity theft issues
• Assist identity theft victim in identifying proper law enforcement to pursue prosecution of criminals
• Assist identity theft victim in reviewing account activity to identify any suspicious activities
• Obtain additional resources for reviewing and resolution of victim’s issues

*Non-insurance services are provided by Travel Guard.

Full Policy Wording

Assistance Services*

All Assistance Services listed below are not insurance benefits and are not provided by the Company.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Arrangement for repatriation of mortal remains
• Return travel arrangements
• Arrangement for emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or Consulate Referral
• Currency Conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental Vehicle Return assistance
• Guaranteed hotel check-in
• Missed connection coordination

Business Assistant (Available only if Cancel For Work Reasons purchased)
• Emergency dictation and business correspondence assistance.
• Business Service location assistance (quick printers, internet cafes, overnight delivery, etc).
• “411” Global Directory Service.
• Wireless Accessory Replacement Assistance.
• Business Conference Call Coordination.
• Urgent Messaging to clients, colleagues & family members.
• Up-to-the-minute travel delay and departure reports.
• Driving and walking directions worldwide.
• Emergency return travel arrangements.

Concierge Services
• Restaurant Referrals and Reservations
• Ground Transportation
• Event Ticketing
• Tee Times and Course Recommendations
• Floral Services

Identity Theft
• Assist identity theft victim with ordering and reviewing credit bureau records
• Assist identity theft victim with investigating financial accounts where identity theft is suspected
• Assist victim in communications with creditors to help make the creditors aware of the victim’s identity theft issues
• Assist identity theft victim in identifying proper law enforcement to pursue prosecution of criminals
• Assist identity theft victim in reviewing account activity to identify any suspicious activities
• Obtain additional resources for reviewing and resolution of victim’s issues

*Non-insurance services are provided by Travel Guard.

Full Policy Wording

TRAVEL GUARD ASSIST*
All Assistance Services listed below are not insurance benefits and are not provided by the Insurer.

Travel Medical Assistance

• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Repatriation of mortal remains
• Return travel arrangements
• Emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Medical equipment rental/replacement

Worldwide Travel Assistance

• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or Consulate Referral
• Currency Conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

Live Travel Emergency Assistance

• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental Vehicle Return
• Guaranteed hotel check-in
• Missed connection coordination

Business Assistant

• Emergency dictation and business correspondence assistance.
• Business Service location assistance (quick printers, internet cafes, overnight delivery, etc).
• “411” Global Directory Service.
• Wireless Accessory Replacement Assistance.
• Business Conference Call Coordination.
• Urgent Messaging to clients, colleagues & family members.
• Up-to-the-minute travel delay and departure reports.
• Driving and walking directions worldwide.
• Emergency return travel arrangements.

Concierge Services

• Restaurant Referrals and Reservations
• Ground Transportation
• Event Ticketing
• Tee Times and Course Recommendations
• Floral Services

Identity Theft

• Assist identity theft victim with ordering and reviewing credit bureau records
• Assist identity theft victim with investigating financial accounts where identity theft is suspected
• Assist victim in communications with creditors to help make the creditors aware of the victim?s identity theft issues
• Assist identity theft victim in identifying proper law enforcement to pursue prosecution of criminals
• Assist identity theft victim in reviewing account activity to identify any suspicious activities
• Obtain additional resources for reviewing and resolution of victim?s issues
• Non-insurance services are provided by Travel Guard Assist.

Make sure you call Travel Guard Assist (1.800.826.1300 or 1.715.345.0505) before you seek medical care while traveling. Where available, we can arrange direct payment to a member of our Preferred medical network, saving you the time and paperwork associated with reimbursement of medical expenses. Our assistance coordinators also can help you locate the nearest and most appropriate medical provider, monitor your care, and provide updates to your family and/or employer.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Assistance with repatriation of mortal remains
• Return travel arrangements
• Emergency prescription replacement assistance
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits • Coordinate shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or consulate referral
• Currency conversion or purchase assistance
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information • Legal referrals/bail bond assistance • Worldwide public holiday information

LiveTravel® Emergency Assistance • Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental vehicle return assistance
• Assistance with guaranteed hotel check-in
• Missed connections coordination

Concierge Services
• Restaurant referrals and reservations
• Ground transportation arrangements
• Event ticketing arrangements
• Tee times and course recommendations
• Floral services

Personal Security Assistance
• Security evacuation assistance
• Immediate 24-hour support services
• Security and safety advisories, global risk analysis, and consultation specialist
• Urgent message alert and relay

Identity Theft
• Assist identity theft victim with ordering and reviewing credit bureau records
• Assist identity theft victim with investigating financial accounts where identity theft is suspected
• Assist identity theft victim in communications with creditors to help make the creditors aware of the victim’s identity theft issues
• Assist identity theft victim in identifying proper law enforcement to pursue prosecution of criminals
• Assist identity theft victim in reviewing account activity
• Obtain additional resources for reviewing and resolution of victim’s issues

*Non-insurance services are provided by Travel Guard.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Assistance with repatriation of mortal remains
• Return travel arrangements
• Assistance with emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information • Embassy or consulate referral
• Currency conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel® Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental vehicle return
• Assistance with guaranteed hotel check-in
• Missed connections coordination

Business Assistant
• Business service location assistance (quick printers, internet cafes, overnight delivery, etc).
• “411” global directory service.
• Wireless accessory replacement assistance.
• Business conference call coordination.
• Urgent messaging to clients, colleagues & family members.
• Up-to-the-minute travel delay and departure reports.
• Driving and walking directions worldwide.
• Emergency return travel arrangements.

Concierge Services
• Restaurant referrals and reservations
• Ground transportation
• Event ticketing
• Tee times and course recommendations
• Floral services Identity Theft (Not available to NY residents)
• Assist identity theft victim with ordering and reviewing credit bureau records
• Assist identity theft victim with investigating financial accounts where identity theft is suspected
• Assist victim in communications with creditors to help make the creditors aware of the victim’s identity theft issues
• Assist identity theft victim in identifying proper law enforcement to pursue prosecution of criminals
• Assist identity theft victim in reviewing account activity to identify any suspicious activities
• Obtain additional resources for reviewing and resolution of victim’s issues

Roadside Assistance
24-Hour Roadside Assistance Services**
Towing Assistance — When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer.
Flat Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. Towing assistance will be provided if needed.
Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for costs of the fluids if there is one.
Fuel Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the costs of the fluids if there is one.
Lock-out Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside.
Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need.
Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility.

*Non-insurance services are provided by Travel Guard.

**Roadside Assistance Provided by Coach-Net Services Inc., 130 E John Carpenter Freeway, Irving, TX 75062. $50 limit per occurrence. The authorized service providers contracted to perform the service are independent contractors and not agents or employees of Coach-Net. Neither Coach-Net nor its affiliates can assume any liability for any damages resulting from the acts of the service provider. Any personal injury, or damage to a member’s property must be filed against the service facility.

Full Policy Wording

Assistance Services*

All Assistance Services listed below are not insurance benefits and are not provided by the Company.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Arrangement for repatriation of mortal remains
• Return travel arrangements
• Arrangement for emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or Consulate Referral
• Currency Conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental Vehicle Return assistance
• Guaranteed hotel check-in
• Missed connection coordination

Business Assistant (available only if Cancel For Work Reasons is purchased)
• Emergency dictation and business correspondence assistance.
• Business Service location assistance (quick printers, internet cafes, overnight delivery, etc).
• “411” Global Directory Service.
• Wireless Accessory Replacement Assistance.
• Business Conference Call Coordination.
• Urgent Messaging to clients, colleagues & family members.
• Up-to-the-minute travel delay and departure reports.
• Driving and walking directions worldwide.
• Emergency return travel arrangements.

Concierge Services
• Restaurant Referrals and Reservations
• Ground Transportation
• Event Ticketing
• Tee Times and Course Recommendations
• Floral Services

Roadside Assistance 24-Hour Roadside Assistance Services*
Towing Assistance — When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer.
Flat Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. Towing assistance will be provided if needed.
Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for costs of the fluids if there is one.
Fuel Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the costs of the fluids if there is one.
Lock-out Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside.
Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need.
Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility.

Identity Theft
• Assist identity theft victim with ordering and reviewing credit bureau records
• Assist identity theft victim with investigating financial accounts where identity theft is suspected
• Assist victim in communications with creditors to help make the creditors aware of the victim’s identity theft issues
• Assist identity theft victim in identifying proper law enforcement to pursue prosecution of criminals
• Assist identity theft victim in reviewing account activity to identify any suspicious activities
• Obtain additional resources for reviewing and resolution of victim’s issues

• Roadside Assistance provided by Coach-Net Services Inc., 130 E John Carpenter Freeway, Irving, TX 75062. $50 limit per occurrence. The authorized service providers contracted to perform the service are independent contractors and not agents or employees of Coach-Net. Neither Coach-Net nor its affiliates can assume any liability for any damages resulting from the acts of the service provider. Any personal injury, or damage to a member’s property must be filed against the service facility. No reimbursement will be made unless Travel Guard makes all roadside assistance arrangements.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Assistance with Repatriation of mortal remains
• Return travel arrangements
• Assistance with emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or Consulate Referral
• Currency Conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel ® Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental Vehicle Return
• Assistance with guaranteed hotel check-in
• Missed connections coordination

Concierge Services
• Restaurant Referrals and Reservations
• Ground Transportation
• Event Ticketing
• Tee Times and Course Recommendations
• Floral Services

Roadside Assistance
24-Hour Roadside Assistance Services**
Towing Assistance — When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer.
Flat Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. Towing assistance will be provided if needed.
Oil, Fluid, and Water Delivery Service —An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for costs of the fluids if there is one.
Fuel Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the costs of the fluids if there is one.
Lock-out Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside.
Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need.
Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility.

*Non-insurance services are provided by Travel Guard.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Assistance with repatriation of mortal remains
• Return travel arrangements
• Emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information • Embassy or consulate referral
• Currency conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel® Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Assistance with rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental vehicle return
• Guaranteed hotel check-in
• Missed connection coordination

Concierge Services
• Restaurant referrals and reservations
• Ground transportation
• Event ticketing
• Tee times and course recommendations
• Floral services

*Non-insurance services are provided by Travel Guard.

Full Policy Wording

TRAVEL GUARD ASSIST

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer

Travel Medical Assistance

• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Repatriation of mortal remains
• Return travel arrangements
• Emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Medical equipment rental/replacement

Worldwide Travel Assistance

• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or Consulate Referral
• Currency Conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel Emergency Assistance

• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental Vehicle Return
• Guaranteed hotel check-in
• Missed connection coordination

Concierge Services

• Restaurant Referrals and Reservations
• Ground Transportation
• Event Ticketing
• Tee Times and Course Recommendations
• Floral Services

Non-insurance services are provided by Travel Guard Assist.

Make sure you call Travel Guard Assist (1.800.826.1300 or 1.715.345.0505) before you seek medical care while traveling. Where available, we can arrange direct payment to a member of our Preferred medical network, saving you the time and paperwork associated with reimbursement of medical expenses. Our assistance coordinators also can help you locate the nearest and most appropriate medical provider, monitor your care, and provide updates to your family and/or employer.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Assistance with repatriation of mortal remains
• Return travel arrangements
• Emergency prescription replacement assistance
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Coordinate shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or consulate referral
• Currency conversion or purchase assistance
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel® Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental vehicle return assistance
• Assistance with guaranteed hotel check-in
• Missed connections coordination

Concierge Services
• Restaurant referrals and reservations
• Ground transportation arrangements
• Event ticketing arrangements
• Tee times and course recommendations
• Floral services

Personal Security Assistance
• Security evacuation assistance
• Immediate 24-hour support services
• Security and safety advisories, global risk analysis, and consultation specialist
• Urgent message alert and relay

Identity Theft
• Assist identity theft victim with ordering and reviewing credit bureau records
• Assist identity theft victim with investigating financial accounts where identity theft is suspected
• Assist identity theft victim in communications with creditors to help make the creditors aware of the victim’s identity theft issues
• Assist identity theft victim in identifying proper law enforcement to pursue prosecution of criminals
• Assist identity theft victim in reviewing account activity
• Obtain additional resources for reviewing and resolution of victim’s issues

*Non-insurance services are provided by Travel Guard.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and
are not provided by the Insurer.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Repatriation of mortal remains assistance
• Return travel arrangements
• Emergency prescription replacement assistance
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or Consulate Referral
• Currency Conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel® Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental Vehicle Return assistance
• Guaranteed hotel check-in
• Missed connection coordination

*Non-insurance services are provided by Travel Guard.

Where available, we can arrange direct payment to a member of our Preferred medical network, saving you the time and paperwork associated with reimbursement of medical expenses. Our assistance coordinators also can help you locate the nearest and most appropriate medical provider, monitor your care, and provide updates to your family and/or employer.

Any payments under the policy will only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”). Therefore, any expenses incurred or claims made involving travel that is in violation of such sanctions, laws and regulations will not be covered under the policy. For more information, you may consult the OFAC internet website at: www.treas.gov/offices/enforcement/ofac/ or a Travel Guard representative.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer.

Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance

• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Assistance with repatriation of mortal remains
• Return travel arrangements
• Assistance with emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance

• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or consulate referral
• Currency conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive
measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel® Emergency Assistance

• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Assistance with rental vehicle return
• Guaranteed hotel check-in
• Missed connection coordination

Outdoor Traveler’s Hotline

This valuable 24/7 hotline provides a one-stop source for information that traveling oudoorsmen may need, including:

• Up-to-the-minute weather, fishing, and hunting reports
• Local hunting regulations and locations of game registration stations
• Construction and detour information if driving to destination
• Locations of nearby bait, tackle, and sporting goods stores

Identity Theft

• Assist identity theft victim with ordering and reviewing credit bureau records
• Assist identity theft victim with investigating financial accounts where identity theft is suspected
• Assist identity theft victim with communications with creditors to help make the creditors aware of the victim’s identity theft issues
• Assist identity theft victim in identifying proper law enforcement to pursue prosecution of criminals
• Assist identity theft victim in reviewing account activity to identify any suspicious activities
• Obtain additional resources for reviewing and resolution of victim’s issues

Roadside Assistance
24-Hour Roadside Assistance Services**

Towing Assistance — When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer.

Flat Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. Towing assistance will be provided if needed.

Oil, Fluid, and Water Delivery Service —An emergency supply of oil,fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for costs of the fluids if there is one.

Fuel Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the costs of the fluids if there is one.

Lock-out Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside.

Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need.

Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility.

*Non-insurance services are provided by Travel Guard.

**Roadside Assistance Provided by Coach-Net Services Inc., 130 E
John Carpenter Freeway, Irving, TX 75062.

$50 limit per occurrence. The authorized service providers contracted to perform the service are independent contractors and not agents or employees of Coach-Net. Neither Coach-Net nor its affiliates can assume any liability for any damages resulting from the acts of the service provider. Any personal injury, or damage to a member’s property must be filed against the service facility.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer.Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Assistance with repatriation of mortal remains
• Return travel arrangements
• Assistance with emergency prescription replacement
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Assistance with medical equipment rental/replacement

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or consulate referral
• Currency conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel® Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Assistance with rental vehicle return
• Guaranteed hotel check-in
• Missed connection coordination

Outdoor Traveler’s Hotline
This valuable 24/7 hotline provides a one-stop source for information that traveling oudoorsmen may need, including:
• Up-to-the-minute weather, fishing, and hunting reports
• Local hunting regulations and locations of game registration stations
• Construction and detour information if driving to destination
• Locations of nearby bait, tackle, and sporting goods stores

Concierge Services
• Restaurant referrals and reservations
• Ground transportation
• Event ticketing
• Tee times and course recommendations
• Floral services Identity Theft
• Assist identity theft victim with ordering and reviewing credit bureau records
• Assist identity theft victim with investigating financial accounts where identity theft is suspected
• Assist identity theft victim with communications with creditors to help make the creditors aware of the victim’s identity theft issues
• Assist identity theft victim in identifying proper law enforcement to pursue prosecution of criminals
• Assist identity theft victim in reviewing account activity to identify any suspicious activities
• Obtain additional resources for reviewing and resolution of victim’s issues

Roadside Assistance
24-Hour Roadside Assistance Services**
Towing Assistance — When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer.
Flat Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. Towing assistance will be provided if needed.
Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for costs of the fluids if there is one.
Fuel Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the costs of the fluids if there is one.
Lock-out Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside.
Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need.
Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility.

*Non-insurance services are provided by Travel Guard.

**Roadside Assistance Provided by Coach-Net Services Inc., 130 E John Carpenter Freeway, Irving, TX 75062. $50 limit per occurrence. The authorized service providers contracted to perform the service are independent contractors and not agents or employees of Coach-Net. Neither Coach-Net nor its affiliates can assume any liability for any damages resulting from the acts of the service provider. Any personal injury, or damage to a member’s property must be filed against the service facility. No reimbursement will be made unless Travel Guard makes all roadside assistance arrangements.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Repatriation of mortal remains assistance
• Return travel arrangements
• Emergency prescription replacement assistance
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Medical equipment rental/replacement assistance

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or consulate referral
• Currency conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

Optional Concierge Services
• Restaurant referrals and reservations
• Ground transportation
• Event ticketing
• Tee times and course recommendations
• Floral services

*Non-insurance services are provided by the Worldwide Travel Assistance Center.

Full Policy Wording

ASSISTANCE SERVICES*

All Assistance Services listed below are not insurance benefits and are not provided by the Insurer.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/hospital/dental/vision referrals
• Repatriation of mortal remains assistance
• Return travel arrangements
• Emergency prescription replacement assistance
• Dispatch of doctor or specialist
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Arrangements of visitor to bedside of hospitalized Insured
• Eyeglasses and corrective lens replacement assistance
• Medical payment arrangements
• Medical cost containment/expense recovery and overseas investigation
• Medical bill audits
• Shipment of medical records
• Medical equipment rental/replacement assistance

Worldwide Travel Assistance
• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or consulate referral
• Currency conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

LiveTravel® Emergency Assistance
• Flight rebooking
• Hotel rebooking
• Rental vehicle booking
• Emergency return travel arrangements
• Roadside assistance
• Rental vehicle return assistance
• Guaranteed hotel check-in
• Missed connection coordination

Optional Concierge Services
• Restaurant referrals and reservations
• Ground transportation
• Event ticketing
• Tee times and course recommendations
• Floral services

*Non-insurance services are provided by the Worldwide Travel Assistance Center.

Full Policy Wording

The Travel Assistance feature provides a variety of travel related services. Services offered include:

• Medical Evacuation
• Medically Necessary Repatriation
• Repatriation of Remains
• Medical or Legal Referral
• Inoculation Information
• Hospital Admission Guarantee
• Translation Service
• Lost Baggage Retrieval
• Passport/Visa Information
• Emergency Cash Advance*
• Bail Bond*
• Prescription Drug/Eyeglass Replacement*
• ID Theft Resolution Service
• Concierge Service

• Payment reimbursement to the Assistance Company is Your responsibility.

24/7 Worldwide Assistance Services
Travel Assistance, Medical Emergency, Concierge Service and ID Theft Resolution Service CALL TOLL FREE: (Within the United States and Canada) 800-494-9907 OR CALL COLLECT 603-328-1707 (From all other locations)

Travel assistance services are provided by an independent organization and not by Arch Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation.

AVAILABILITY OF SERVICES

You are eligible for informational and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your trip. Services are provided only for an Identity Theft event which occurs while on Your Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts.

IDENTITY THEFT RESOLUTION SERVICES

In the event of an Identity Theft event while on Your Trip, Travel Insured’s designated provider will research and investigate potential damage to Your identity and make best effort to restore Your identity to pre-event status. Assistance includes online secure email to report the event; notify the three major credit bureaus, affected creditors, financial institutions, and utility providers; provide fraud alerts; create and maintain a case file and ultimately to receive documentation that the fraudulent transaction has been expunged.

CONCIERGE SERVICES

Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items. Services offered include:

• Destination Profiles
• Epicurean Needs
• Event Ticketing
• Floral Services
• Tee Time Reservations
• Hotel Accommodations
• Meet-And-Greet Services
• Shopping Assistance Services
• Pre-Trip Assistance
• Procurement Of Hard-To-Find Items
• Restaurant Referrals and Reservations
• Rental Car Reservations
• Airline Reservations

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by Travelex’s designated provider

When outside the USA or Canada, call us collect through a local operator (you will fi rst have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.
Within U.S.A. & Canada 1-855-892-6495
Outside U.S.A. & Canada 603-328-1373
Your Plan Number: SFP 0911

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact You and Your treating physician to monitor your condition to assure You are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of Your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by On Call International. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure Your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip. Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services

• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services

• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print and copy services
• assistance with or arrangements for telephone and web conferencing
• emergency messaging to customers, associates, and others (phone, fax, e-mail, text, etc.)
• real time weather, travel delay and fl ight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by Travelex’s designated provider

When outside the USA or Canada, call us collect through a local operator (you will fi rst have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.
Within U.S.A. & Canada 1-855-892-6495
Outside U.S.A. & Canada 603-328-1373
Your Plan Number: SFP 0911

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact You and Your treating physician to monitor your condition to assure You are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of Your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by On Call International. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure Your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip. Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services

• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services

• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print and copy services
• assistance with or arrangements for telephone and web conferencing
• emergency messaging to customers, associates, and others (phone, fax, e-mail, text, etc.)
• real time weather, travel delay and fl ight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by Travelex’s designated provider

When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.

Within U.S.A. & Canada 1-855-892-6495
Outside U.S.A. & Canada 603-328-1373
Your Plan Number: STM-NTL 0811

MEDICAL SERVICES

NURSE ASSIST SERVICES

Travelex’s designated provider shall provide you with clinical assessment, education and general health information. This service shall be performed by a registered nurse counselor to assist in identifying the appropriate level and source(s) of care for you (based on your symptoms reported and/or health care questions asked by or on behalf of you). Nurses shall not diagnose your ailments.

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact You and Your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact Your personal physician and family at home when necessary or requested to keep them informed of Your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by Travelex’s designated provider. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person You choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you fi nd a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help You when airline or other travel tickets are lost or stolen. We will assist you with reporting Your loss, reissuing tickets and obtaining the money required for this purpose (You are responsible for providing the funds).

Concierge Services
• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services
• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print and copy services
• assistance with or arrangements for telephone and web conferencing • emergency messaging to customers, associates, and others (phone, fax, e-mail, text, etc.)
• real time weather, travel delay and flight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by Travelex’s designated provider

When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.

Within U.S.A. & Canada 1-855-892-6495
Outside U.S.A. & Canada 603-328-1373
Your Plan Number: STS-NTL 0811

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help You locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If You are hospitalized, we will contact You and Your treating physician to monitor Your condition to assure You are receiving appropriate care and assess the need for further assistance. We will also contact Your personal physician and family at home when necessary or requested to keep them informed of Your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by On Call International. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist You in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure Your admission, treatment or discharge.

Prescription Assistance – We will assist You with replacing medications that are lost, stolen or spoiled during Your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If You are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person You choose to visit You.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return Your remains to Your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on Your Covered Trip You encounter legal problems, we will help You find a local legal advisor. If You are required to post bail or provide immediate payment of legal fees, we will assist You in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise You if we have difficulty delivering Your message and let You know that the message has been received. We will also relay non-emergency e-mail or phone messages on Your behalf at any time during Your Covered Trip.

Language Interpretation Services – We provide interpretation services in major languages and will refer You to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of Your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for Your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help You to secure replacements. We will also help You when airline or other travel tickets are lost or stolen. We will assist You with reporting Your loss, reissuing tickets and obtaining the money required for this purpose (You are responsible for providing the funds).

Concierge Services
• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services
• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print and copy services
• assistance with or arrangements for telephone and web conferencing
• emergency messaging to customers, associates, and others (phone, fax, e-mail, text, etc.)
• real time weather, travel delay and flight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by Travelex’s designated provider

When outside the USA or Canada, call us collect through a local operator (you will fi rst have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.

Within U.S.A. & Canada 1-855-892-6495
Outside U.S.A. & Canada 603-328-1373
Your Plan Number: SBT-NTL 1111

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by On Call International. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you fi nd a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have diffi culty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services
• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services
• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print and copy services
• assistance with or arrangements for telephone and web conferencing
• emergency messaging to customers, associates, and others (phone, fax, e-mail, text, etc.)
• real time weather, travel delay and fl ight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

Full Policy Wording

One Call
Worldwide Travel Services Network

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains – In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance – If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline – Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

One Call Travel Solutions
24-Hour Worldwide Travel Services

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

One Call Concierge Services
• Restaurant, shopping, hotel recommendations/ reservations
• Local transport (rental car/limousine, etc.) information and reservations
• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• Golf course information, referrals, recommendations and tee times
• Tracking and assisting with the return of lost or delayed baggage

Business Services
• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print/ copy services
• assistance with or arrangements for telephone and web conferencing
• emergency messaging to customers, associates, and others (phone, fax, e-mail, text, etc.)
• real time weather, travel delay and flight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

Full Policy Wording

Emergency Travel Assistance Services
Europ Assistance -Available 24 hours a day, 365 days a year
Toll free within the United States and Canada: 888-286-3768
Outside the United States and Canada, call direct or collect: 240-330-1517

Full Policy Wording

The travel assistance benefits described below are provided by Seven Corners Assist. The office is staffed 24 hours a day, 7 days a week with multilingual representatives.

Medical Assistance While Traveling:

24-Hour telephone contact for travel medical emergencies help in locating medical care; Arranging telephone conferences between your attending and home physicians; Arranging second medical opinions in hospital cases; Relaying emergency messages to family and employer during medical emergencies; Guarantee or payment of medical bills using your available financial resources; 24-Hour ticketing service to arrange family visits; Arranging emergency medical evacuation from medically under served areas; Arranging evacuation for catastrophic claims; Arranging medical transportation home after treatment; Arranging escorts and transportation for unaccompanied children; Arranging transfer of medical records; Arranging repatriation of remains for deceased travelers; Notify your health insurer of a claim.

Legal Assistance:

Embassies Location: Help locating Embassies or consulate offices and arranging help to locate local attorneys. Legal Referrals: Legal referrals can be provided to local qualified attorneys during regular working hours, using Embassy referrals. Provide cash advance: for legal fees with your satisfactory guarantee of reimbursement. Assistance can also be provided in obtaining bail bonds in areas where they are customarily issued. Assistance with communication in a foreign country, we will provide telephone translation or local interpreters for all major languages. Emergency Message Relay In an emergency, Seven Corners Assist can put you in touch with those at home. You can relay urgent messages to and from friends, relatives, and business associates toll-free through Seven Corners Assist Emergency Message Center. *These services may involve third party expenses, which are the responsibility of the covered member.

HOW TO OBTAIN TRAVEL ASSISTANCE

To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with your ID Number (on your USA-Assist ID Card) and Group Number LON03-031106-01TM. For Emergency Medical Evacuation, Return of Remains, Emergency Reunion, Return of Minor Child, Assistance Services, call: if in the United States or Canada: 1-800-690-6295 or if outside the United States or Canada: 1-317-818-2808 (collect)

CLAIMS SERVICES

Important Note: Claim forms and receipts for medical expenses must be sent to Seven Corners quickly. Claim submissions must be made within 90 (ninety) after the Date of Service. Should they be received after 90 (ninety) days, they may be considered ineligible. To report claims or verify eligibility, send the original bills and claim forms to Seven Corners, Inc. or call or fax to the numbers below. Be certain to include your ID# shown on the ID Card with all correspondences:

Seven Corners, Inc. 303 Congressional Blvd.; Carmel, IN 46032 800-335-0477 or 317-575-2656 FAX 317-575-2659 email: info@sevencorners.com website – www.sevencorners.com

Full Policy Wording

The travel assistance benefits described below are provided by Seven Corners Assist. The office is staffed 24 hours a day, 7 days a week with multilingual representatives.

Medical Assistance While Traveling:

24-Hour telephone contact for travel medical emergencies help in locating medical care; Arranging telephone conferences between your attending and home physicians; Arranging second medical opinions in hospital cases; Relaying emergency messages to family and employer during medical emergencies; Guarantee or payment of medical bills using your available financial resources; 24-Hour ticketing service to arrange family visits; Arranging emergency medical evacuation from medically under served areas; Arranging evacuation for catastrophic claims; Arranging medical transportation home after treatment; Arranging escorts and transportation for unaccompanied children; Arranging transfer of medical records; Arranging repatriation of remains for deceased travelers; Notify your health insurer of a claim.

Legal Assistance:

Embassies Location: Help locating Embassies or consulate offices and arranging help to locate local attorneys. Legal Referrals: Legal referrals can be provided to local qualified attorneys during regular working hours, using Embassy referrals. Provide cash advance: for legal fees with your satisfactory guarantee of reimbursement. Assistance can also be provided in obtaining bail bonds in areas where they are customarily issued. Assistance with communication in a foreign country, we will provide telephone translation or local interpreters for all major languages. Emergency Message Relay In an emergency, Seven Corners Assist can put you in touch with those at home. You can relay urgent messages to and from friends, relatives, and business associates toll-free through Seven Corners Assist Emergency Message Center. *These services may involve third party expenses, which are the responsibility of the covered member.

HOW TO OBTAIN TRAVEL ASSISTANCE

To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with your ID Number (on your USA-Assist ID Card) and Group Number LON03-031106-01TM. For Emergency Medical Evacuation, Return of Remains, Emergency Reunion, Return of Minor Child, Assistance Services, call: if in the United States or Canada: 1-800-690-6295 or if outside the United States or Canada: 1-317-818-2808 (collect)

CLAIMS SERVICES

Important Note: Claim forms and receipts for medical expenses must be sent to Seven Corners quickly. Claim submissions must be made within 90 (ninety) after the Date of Service. Should they be received after 90 (ninety) days, they may be considered ineligible. To report claims or verify eligibility, send the original bills and claim forms to Seven Corners, Inc. or call or fax to the numbers below. Be certain to include your ID# shown on the ID Card with all correspondences: Seven Corners, Inc. 303 Congressional Blvd.; Carmel, IN 46032 800-335-0477 or 317-575-2656 FAX 317-575-2659 email: info@sevencorners.com website – www.sevencorners.com

Full Policy Wording

The travel assistance benefits described below are provided by Seven Corners Assist. The office is staffed 24 hours a day, 7 days a week with multilingual representatives.

Medical Assistance While Traveling:

24-Hour telephone contact for travel medical emergencies help in locating medical care; Arranging telephone conferences between your attending and home physicians; Arranging second medical opinions in hospital cases; Relaying emergency messages to family and employer during medical emergencies; Guarantee or payment of medical bills using your available financial resources; 24-Hour ticketing service to arrange family visits; Arranging emergency medical evacuation from medically under served areas; Arranging evacuation for catastrophic claims; Arranging medical transportation home after treatment; Arranging escorts and transportation for unaccompanied children; Arranging transfer of medical records; Arranging repatriation of remains for deceased travelers; Notify your health insurer of a claim.

Legal Assistance:

Embassies Location: Help locating Embassies or consulate offices and arranging help to locate local attorneys. Legal Referrals: Legal referrals can be provided to local qualified attorneys during regular working hours, using Embassy referrals. Provide cash advance: for legal fees with your satisfactory guarantee of reimbursement. Assistance can also be provided in obtaining bail bonds in areas where they are customarily issued. Assistance with communication in a foreign country, we will provide telephone translation or local interpreters for all major languages. Emergency Message Relay In an emergency, Seven Corners Assist can put you in touch with those at home. You can relay urgent messages to and from friends, relatives, and business associates toll-free through Seven Corners Assist Emergency Message Center. *These services may involve third party expenses, which are the responsibility of the covered member.

HOW TO OBTAIN TRAVEL ASSISTANCE

To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with your ID Number (on your USA-Assist ID Card) and Group Number LON03-031106-01TM. For Emergency Medical Evacuation, Return of Remains, Emergency Reunion, Return of Minor Child, Assistance Services, call: if in the United States or Canada: 1-800-690-6295 or if outside the United States or Canada: 1-317-818-2808 (collect)

CLAIMS SERVICES

Important Note: Claim forms and receipts for medical expenses must be sent to Seven Corners quickly. Claim submissions must be made within 90 (ninety) after the Date of Service. Should they be received after 90 (ninety) days, they may be considered ineligible. To report claims or verify eligibility, send the original bills and claim forms to Seven Corners, Inc. or call or fax to the numbers below. Be certain to include your ID# shown on the ID Card with all correspondences: Seven Corners, Inc. 303 Congressional Blvd.; Carmel, IN 46032 800-335-0477 or 317-575-2656 FAX 317-575-2659 email: info@sevencorners.com website – www.sevencorners.com

Full Policy Wording

The Travel Assistance feature provides a variety of travel related services. Services offered include:

• Medical evacuation / repatriation
• Repatriation of remains
• Medical or legal referral
• Hospital admission guarantee
• Emergency cash advance*
• Translation service
• Prescription drug*
• Eyeglass replacement*
• Passport / visa information

Payment reimbursement to the Assistance Company is Your responsibility.

TRAVEL ASSISTANCE SERVICES

English/French/Others
USA and Canada:

• +1 877-298-3623 (toll free)
• +1 819-566-2608

Rest of the World:

• +1 819-566-2608 (collect calls accepted)

Español
Desde EE.UU. o Canadá:

• +1 866-566-1128 (sin costo).

Desde cualquier parte del mundo:

• +1 819-566-1128 (acepta por cobrar).

Full Policy Wording

The Travel Assistance feature provides a variety of travel related services. Services offered include:

• Medical evacuation / repatriation
• Repatriation of remains
• Medical or legal referral
• Hospital admission guarantee
• Emergency cash advance*
• Translation service
• Prescription drug*
• Eyeglass replacement*
• Passport / visa information

*Payment reimbursement to the Assistance Company is Your responsibility.

TRAVEL ASSISTANCE SERVICES

English/French/Others
USA and Canada:

• +1 877-298-3623 (toll free)
• +1 819-566-2608

Rest of the World:

• +1 819-566-2608 (collect calls accepted)

Español
Desde EE.UU. o Canadá:

• +1 866-566-1128 (sin costo).

Desde cualquier parte del mundo:

• +1 819-566-1128 (acepta por cobrar).