Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

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

Full Policy Wording

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

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

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

Full Policy Wording

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

Full Policy Wording

CONCIERGE SERVICES

Concierge services are provided by RoamRight’s designated provider. There is no charge for the services provided by the 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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral; Natural Disaster Evacuation Services. *Any charges for services rendered will be billed to Your credit card at the time of service.

Full Policy Wording

CONCIERGE SERVICES

Concierge services are provided by RoamRight’s designated provider. There is no charge for the services provided by the 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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral; Natural Disaster Evacuation Services. *Any charges for services rendered will be billed to Your credit card at the time of service.

Full Policy Wording

CONCIERGE SERVICES

Concierge services are provided by RoamRight’s designated provider. There is no charge for the services provided by the 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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral; Natural Disaster Evacuation Services. *Any charges for services rendered will be billed to Your credit card at the time of service.

Full Policy Wording

CONCIERGE SERVICES

Concierge services are provided by RoamRight’s designated provider. There is no charge for the services provided by the 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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral; Natural Disaster Evacuation Services. *Any charges for services rendered will be billed to Your credit card at the time of service.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

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

Full Policy Wording

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

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

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.

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

There are no Additional Benefits with this plan.

Full Policy Wording

CONCIERGE SERVICES

Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the 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

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

Full Policy Wording

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

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

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

There are no Additional Benefits with this plan.

Full Policy Wording

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

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

There are no Additional Benefits with this plan.

Full Policy Wording

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