Provides assistance with the services and costs associated with recovering your identity and credit.
Identity Theft
- No coverage
What is Identity Theft?
What am I covered for?
There is no Identity Theft coverage with this plan.
Definitions
“Accidental or Accident” means an unexpected and unforeseen incident, including a Terrorist Incident.
“Baggage” means luggage and personal possessions, whether owned, borrowed or rented, that is taken or purchased by You on the Covered Trip.
“Business Partner” means an individual who owns at least 10% of the same business as You and is actively involved in the day-to-day management of that business, and there are no more than three partners together who own the same business.
“Certificate” means an outline of the terms of coverage and provisions of the Policy, which includes this document and Your application.
“Common Carrier” means any land, water, or air conveyance operated under a license for the transportation of passengers for hire.
“Covered Trip” means any travel and sojourn to a Destination more than 120 miles from the starting point of the Covered Trip and not exceeding 30 consecutive days.
“Departure Date” means the scheduled date to begin the Covered Trip as referenced on Your coverage verification letter for this Certificate.
“Destination” means one or more cities to which You are scheduled to travel on a Covered Trip.
“Emergency” means a sudden, unexpected, unforeseen occurrence demanding immediate action.
“Family Member” means Your spouse, children, brothers or sisters (including in-laws), parents (including in-laws), grandparents (including in-laws), grandchildren, aunts, uncles, nieces, nephews, legal guardians, and legal wards.
“Financial Default” means the complete suspension of operations due to financial circumstances whether or not a bankruptcy petition is filed, or a partial suspension of operation following a filing of a bankruptcy petition in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the U.S. Bankruptcy Code.
“Hospital” means an institution or medical facility that meets all of the following requirements:
1. Properly accredited and where required by law, holds a license as a Hospital;
2. Operates mainly for the care and treatment of sick or injured persons as inpatients;
3. Provides twenty-four hours a day nursing care by registered nurses;
4. Has a staff of one or more Physicians available at all times;
5. Provides organized facilities for diagnosis and surgical procedures;
6. Not primarily a clinic, nursing home or convalescent home or similar place of business; and
7. Not mainly a place for treating alcoholics or drug addicts.
With respect to outpatient surgery or diagnostic testing, an ambulatory surgical center or a clinic will be considered a Hospital. Such facility must be properly accredited and, where required by law, hold a license allowing the facility to operate as such.
“Illness” means a sickness, impairment or physical condition that involves inpatient care in a Hospital, or requires Emergency treatment by a qualified Physician.
“Injury” means trauma or damage to any part of the body caused solely by Accident and not contributed to by any other cause.
“Insured” means the Member who arranged to take the Covered Trip, completed the application, paid the premium in full, and whose coverage under the Policy has become effective and has not terminated.
“Locality” means an area large enough to represent a reasonable cross section of providers giving the type of service or supplies for which the charge was made.
“Member” means any person who belongs to the Policyholder’s association.
“Necessary” means medical treatment that is vital and required for the treatment of a covered Injury or Illness.
“Organized Labor Strike” means any stoppage of work: (a) as a result of a combined effort of workers which was unannounced and unpublished at the time a Covered Trip was purchased; and (b) which interferes with the normal departure and arrival of a Common Carrier. An Organized Labor Strike is no longer unannounced and unpublished beginning with the first day of an announced “cooling off period.”
“Physician” means a person, other than You, a Travel Companion or a Family Member, who is licensed as a medical doctor in the healing arts, and acting within the scope of his or her license for the service or treatment given.
“Policy” means the Group Travel Insurance Policy issued to the Policyholder by Us. As the underwriting insurance carrier, We are solely liable and responsible for the coverage and benefits provided under the Policy.
“Policyholder” means the National Small Business Travel & Health Association.
“Pre-Existing Condition” means an Injury or Illness which manifests itself during the 60 days immediately before and including the date Your coverage became effective, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60 day period.
An Illness or Injury has manifested itself when:
1. Medical care or treatment has been given; or
2. There exist symptoms which would cause a reasonably prudent person to seek diagnosis, care, or treatment; or
3. Prescription medication has been altered or changed.
“Reasonable Expenses” means the normal and customary charge of the provider, incurred by You for a service or supply, but not more than the prevailing charge in the Locality for a like service by a provider with similar training or experience; or for a supply which is identical or substantially equivalent.
“Return Date” means the scheduled date on which You are to arrive at Your Return Destination as shown on the coverage verification letter for the Certificate.
“Return Destination” means the place to which You are scheduled to return from a Covered Trip.
“Scheduled Airline” (including scheduled charters) means an airline with a license for civil scheduled air transport issued by the country in which its aircraft are registered. Such airline must file and publish schedules and fares for regular passenger service between cities.
“Terrorist Incident” means any violent act or an act that is dangerous to human life, property or infrastructure, that is committed within 120 miles of a Destination, by any person or persons who appear to be part of an effort to coerce a civilian population or affect the conduct of any government by coercion “Travel Companion” means a person who accompanies you and shares accommodations with You on a Covered Trip, and a physical cross-reference entry exists within a computerized reservation system, a global distribution system or Travel Supplier reservation system that references Travel Companions to each other.
“Travel Companion’s Family Member” means a Travel Companion’s spouse, children, parents or grandparents.
“Travel Supplier” means a travel agent, Scheduled Airline, cruise line, tour operator, bus line, or other licensed provider of travel.
“We, Us, Our” means Delos Insurance Company.
“You or Your” means the Insured.
Common Carrier Accidental Death & Dismemberment Definitions:
“Loss of Hand or Foot” means the complete and permanent severance through or above the wrist or ankle joint.
“Loss of Sight” means the total and permanent loss of entire sight. Such loss correctable by surgery or lenses is not considered total and permanent.
“Principal Sum” means the limit as specified in the Schedule of Benefits.
Exclusions
Baggage and Personal Possessions
The following limitations will apply:
1. We will not pay for damage to or loss of or theft of Baggage which has been paid by a Common Carrier, hotel, Travel Supplier, or is otherwise payable under any other insurance.
2. We will pay no more than $500 for the first item of Baggage and, thereafter, no more than $250 per item of Baggage up to the maximum benefit shown on the Schedule of Benefits.
3. We will not pay for damage to or loss of:
a) Animals;
b) Property used in trade, business or for the production of income;
c) Motor vehicles, aircraft, and other conveyances or equipment or parts pertaining to such conveyances;
d) Artificial limbs, false teeth, any type of eyeglasses or contact lenses;
e) Tickets, except for administrative fees required to reissue tickets;
f) Money, stamps, stocks and bonds, postal or money orders;
g) Property shipped as freight, or shipped prior to the Departure Date;
h) Credit cards;
i) Contraband; or
j) Hearing aids.
4. We will not pay for loss due to:
a) Defective materials or craftsmanship;
b) Normal wear and tear;
c) Deterioration; or
d) Rodents, animals or insects.
This coverage does not include loss caused by Baggage delay.
Baggage Delay
The following limitations will apply:
1. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.
2. We will cover only one Baggage Delay per Covered Trip.
3. This benefit is in excess of any reimbursable costs paid by a Common Carrier.
Emergency Medical / Dental Expense
We will not pay for:
1. Hernia, however caused;
2. Services or treatment given by a Family Member or any person employed or
retained by You;
3. Experimental procedures;
4. Cosmetic surgery or procedure that is not reconstructive surgery which is incidental to or follows surgery resulting from trauma, infection or other disease of You;
5. Benefits which are payable under any worker’s compensation or similar law;
6. Any surgical or medical treatment which can reasonably be delayed until You return to Your primary residence;
7. Any treatment or medication which at the time of departure You know is required to be continued during a Covered Trip;
8. The cost of dentures, dental appliances, false limbs, hearing aids, cochlear implants, contact or corneal lenses or spectacles (prescription or otherwise);
9. Any repatriation costs not authorized by Us;
10. The additional cost of a single or private room at a Hospital, except when the treating Physician considers it Necessary; or
11. Services or Covered Expenses incurred as a result of a Pre-Existing Condition.
This Pre-Existing Condition exclusion is waived if You are under the age of 70 and coverage is purchased within 14 days from the date Your initial deposit for the Covered Trip was paid to the Travel Supplier, and all Insureds are medically able to travel on the date the coverage is purchased.
Emergency Medical Evacuation/Repatriation
We will not pay for any services or Covered Expenses incurred without Our prior consent or approval. We will not pay for any services or Covered Expenses incurred as a result of a Pre-Existing Condition. This Pre-Existing Condition exclusion is waived if You are under the age of 70 and coverage is purchased within 14 days from the date Your initial deposit for the Covered Trip was paid to the Travel Supplier, and all Insureds are medically able to travel on the date the coverage is purchased.
Emergency Reunion and Return of Mortal Remains
We will not pay for any services or expenses incurred without Our prior consent or approval.
General exclusions
We will not pay for any Illness, Injury or loss caused by or as a result of:
1. A Pre-Existing Condition, except as waived by Us under the terms of the
Policy.
2. War or any act of war (whether declared or undeclared), civil disturbance, riot or insurrection.
3. Serving in one of the armed forces of any country or international authority.
4. Operating, learning to operate, piloting or riding in or on any aircraft or flying device, other than riding as a passenger in a licensed commercial aircraft.
5. Suicide or attempted suicide, while sane; intentionally self-inflicted Injury or Illness.
6. Being under the influence of any intoxicant, drug or narcotic unless prescribed by a Physician.
7. Training, practicing or participating in any motor sport or motor racing.
8. Parachuting, hang gliding, parasailing, hot air ballooning, scuba diving below 135 feet or any type of scuba diving without the proper diving training and certification from a professional organization, rock or mountain climbing, or hunting.
9. Pregnancy or childbirth when You are expected to give birth within two months from the date of a Covered Trip or an elective abortion.
10. Traveling against the advice of a Physician, traveling while on a waiting list for inpatient Hospital or clinic treatment, or traveling for the purpose of obtaining medical treatment abroad.
11. Taking part in any scheduled athletic event or competition.
12. Any emotional, psychological, mental or nervous disorder.
13. Any potentially fatal condition which was diagnosed before the date Your coverage became effective, or any condition for which You are traveling to seek treatment.
14. Dental treatment due to normal wear and tear or the normal maintenance of dental health.