24 Hour Assistance Service

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.

Contacting On 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: 0925

On Call 24 Hour Assistance Services
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 ON CALL INTERNATIONAL may be held responsible for the availability, quality or results of any medical treatment or your failure to obtain medical treatment.

The 24 Hour Assistance Services are provided by:
On Call International, LLC

One Call 24-Hour Travel Solutions
We provide 24-Hour assistance for your travel needs before, during and after your Trip. You can travel with peace of mind knowing that our professional help is just one phone call away.

Contacting On 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: 901B

24-HOUR LIVETRAVEL ASSISTANCE
Provides 24-hour assistance for emergency travel needs. Allows You to make emergency travel changes such as rebooking flights, making hotel reservations, tracking lost luggage, and replacing lost credit cards. Call 1.800.826.8597 for assistance.

Live Messaging – Relay of e-mail or phone message to family, friends, or business associates. Emergency Cash Transfer – Assistance in coordinating an emergency cash advance. Pre-trip Travel Advice – Around-the-clock access to passport, visa, inoculation, and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information – all for Your planned Destination.

CONCIERGE SERVICES
Restaurant Referrals and Reservations – AIG Travel Assist will supply a restaurant referral based on Your needs and desires. Additionally AIG Travel Assist will arrange for reservations at the recommended restaurant. Based on availability.

Ground Transportation – AIG Travel Assist will locate and arrange for a transportation service to pick You up and deliver You to Your desired destination.

Event Ticketing – AIG Travel Assist will assist with the purchase of tickets to such events as sporting events, theatre, and concerts. Based on availability.

Tee Times and Course Recommendations – AIG Travel Assist will facilitate the reservation of tee times at available courses and recommend alternatives in case of a booked course. Based on availability.

Floral Services – AIG Travel Assist will facilitate the ordering of flowers for such events as birthdays, anniversaries, holidays, and other special occasions.

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.

One Call
Worldwide Travel Services Network

We provide 24-Hour assistance for your travel needs before, during and after your Trip. You can travel with peace of mind knowing that our professional help is just one phone call away.

Contacting On 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: 0925F

TRAVEL ASSISTANCE SERVICES 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. * Payment reimbursement to the Assistance Company is Your responsibility.

24/7 Worldwide Assistance Services
Travel Assistance, Medical Emergency, Concierge Service and ID Theft Service
CALL TOLL FREE: (Within the United States and Canada)
800-494-9907
OR CALL COLLECT
202-659-7775 (From all other locations).

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
• Hospital admission guarantee
• Translation service
• Lost Baggage retrieval
• Inoculation information
• Passport / visa information
• Emergency cash advance *
• Prescription drug / eyeglass replacement *
• Bail bond *

* Payment reimbursement to the Assistance Company is Your responsibility.

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.

TRAVEL ASSISTANCE
You can access a wide-range of valuable services, through a toll-free telephone call, 24-hours a day, 7 days a week. Travel Assistance provides a variety of travel related services, including:

• Medical evacuation/repatriation
• Repatriation of remains
• Medical or legal referral
• Hospital admission guarantee
• Emergency cash transfer *
• Translation service
• Prescription drug-eyeglass replacement
• Passport/visa information
• Bail bond *
• Lost baggage retrieval
• Inoculation information

* Benefit reimbursement to the Assistance Company is your responsibility.

For Travel Assistance contact details, please refer to your Confirmation of Coverage.

The following benefits are service benefits only, not insurance benefits. Any costs incurred for these services will be the responsibility of the Insured, unless specifically covered elsewhere under the Policy.

24-HOUR MEDICAL ASSISTANCE

24-Hour Medical Monitoring: Physicians monitor your condition by maintaining close contact with the attending Physicians, your family Physician and Immediate Family Members.

Medical Evacuation: Arrangements for any and all means necessary to transport you back home when medically necessary.

Emergency Medical Payments: If a Hospital demands cash deposit or settlement prior to leaving, arrangements will be made for the advancement of funds to cover on-site medical expenses.

Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier.

Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with you to be flown home with an attendant, if necessary.

Family Visit: If you are hospitalized for more than 7 days, arrangements will be made for transportation of an Immediate Family Member or close friend to visit you.

Transportation of Mortal Remains: In the event of death while traveling, arrangements and payment for the return of remains to the place of burial.

24-HOUR TRAVEL ASSISTANCE

Travel Documents Assistance: Help retrieve, report, and reissue lost or stolen travel documents.

Emergency Cash Transfer: Coordinate with you and/or a wire agency for emergency cash advances to obtain funds in local currency for medical or travel emergencies.

Emergency Message Center : Transmission of emergency messages to family and business associates.

Interpretation Services: Provide emergency language support or referral to the appropriate local services.

Live Messaging: Relay of e-mail or phone message to family, friends, or business associates.

Pre-trip Travel Advice: Around-the-clock access to passport, visa, inoculation, and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information – all for your planned Destination.

24-Hour Legal Assistance: In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.

CONCIERGE SERVICES (If purchased)

Restaurant Referrals and Reservations: Provides restaurant recommendations based on your needs and desires, and then makes reservations at the recommended restaurant. Based on availability.

Ground Transportation: Locates and arranges for a transportation service to pick you up and deliver you to your desired destination.

Event Ticketing: Assists with the purchase of tickets to sporting events, theatre, concerts, etc. Based on availability.

Tee Times and Course Recommendations: Makes tee time reservations at available golf courses and recommends alternatives in case of an over booked course. Based on availability.

Floral Services: Orders flowers for such events as birthdays, anniversaries, holidays, and other special occasions.

The above services provided by the Worldwide Assistance Center are non-insurance services through AIG Travel Assist.

Preferred Provider Network - Make sure you call the Worldwide Assistance Center at 1-866-346-1803 or 1-715-342-3541 (collect) 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.

The following benefits are service benefits only, not insurance benefits. Any costs incurred for these services will be the responsibility of the Insured, unless specifically covered elsewhere under the Policy.

24-HOUR MEDICAL ASSISTANCE

24-Hour Medical Monitoring: Physicians monitor your condition by maintaining close contact with the attending Physicians, your family Physician and Immediate Family Members.

Medical Evacuation: Arrangements for any and all means necessary to transport you back home when medically necessary.

Emergency Medical Payments: If a Hospital demands cash deposit or settlement prior to leaving, arrangements will be made for the advancement of funds to cover on-site medical expenses.

Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier.

Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with you to be flown home with an attendant, if necessary.

Family Visit: If you are hospitalized for more than 7 days, arrangements will be made for transportation of an Immediate Family Member or close friend to visit you.

Transportation of Mortal Remains: In the event of death while traveling, arrangements and payment for the return of remains to the place of burial.

24-HOUR TRAVEL ASSISTANCE

Travel Documents Assistance: Help retrieve, report, and reissue lost or stolen travel documents.

Emergency Cash Transfer: Coordinate with you and/or a wire agency for emergency cash advances to obtain funds in local currency for medical or travel emergencies.

Emergency Message Center : Transmission of emergency messages to family and business associates.

Interpretation Services: Provide emergency language support or referral to the appropriate local services.

Live Messaging: Relay of e-mail or phone message to family, friends, or business associates.

Pre-trip Travel Advice: Around-the-clock access to passport, visa, inoculation, and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information – all for your planned Destination.

24-Hour Legal Assistance: In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.

24-HOUR LIVETRAVEL® SERVICES

Provides 24-hour assistance for emergency travel arrangements by a certified travel agent, to help you make emergency travel changes; such as rebooking flights, making hotel reservations, tracking lost luggage, and replacing lost credit cards. Call the Worldwide Assistance Center at 1-866-346-1803 or 1-715-342-3541 (collect) for assistance.

CONCIERGE SERVICES (If purchased)

Restaurant Referrals and Reservations: Provides restaurant recommendations based on your needs and desires, and then makes reservations at the recommended restaurant. Based on availability.

Ground Transportation: Locates and arranges for a transportation service to pick you up and deliver you to your desired destination.

Event Ticketing: Assists with the purchase of tickets to sporting events, theatre, concerts, etc. Based on availability.

Tee Times and Course Recommendations: Makes tee time reservations at available golf courses and recommends alternatives in case of an over booked course. Based on availability.

Floral Services: Orders flowers for such events as birthdays, anniversaries, holidays, and other special occasions.

The above services provided by the Worldwide Assistance Center are non-insurance services through AIG Travel Assist.

Preferred Provider Network - Make sure you call the Worldwide Assistance Center at 1-866-346-1803 or 1-715-342-3541 (collect) 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.

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 (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 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.

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

Medical Referral
Traveling Companion Assistance
Emergency Cash Transfer
Legal Referral
Locating Lost or Stolen Items
Replacement of Medication and Eyeglasses
Embassy and Consular Services
Worldwide Medical Information
Interpretation/Translation
Emergency Message Relay
Pet Return
Vehicle Return

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)

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)

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).

TRAVEL ASSISTANCE & CONCIERGE SERVICES 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 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.

24 HOUR TRAVEL ASSISTANCE SERVICES

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.

24 HOUR NURSE HELP LINE - On Call International 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 symptoms reported and/or health care questions asked by or on behalf of You). Nurses shall not diagnose Your ailments.

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

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.

All benefits provided are service benefits, not financial benefits. Any costs associated with benefits not purchased will be paid by the named Insured.

24-Hour Medical Assistance
24-Hour Medical Monitoring: Physicians monitor the Insured’s condition by maintaining close contact with the attending physicians, his/her family Physician, and Immediate Family Members.
Medical Evacuation:
Arrangements for any and all means necessary to transport the Insured back home when medically necessary. Emergency Medical Payments: If a Hospital demands a cash deposit or settlement prior to leaving, Travel Guard will assist in arranging the advancement of funds to cover on-site Medical Expenses.
Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier. Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with the Insured to be flown home.
Family Visit: If the Insured is hospitalized for ten or more days, Travel Guard will arrange transportation for an Immediate Family Member or close friend to visit him/her.
Transportation of Mortal Remains: In the event of death while traveling, arrangements and payment for the return of remains to the place of burial.

24-Hour Legal Assistance
In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.

24-Hour Travel Assistance
Travel Documents Assistance: Travel Guard will help retrieve, report, and reissue lost or stolen travel documents.
Emergency Cash Transfer: Travel Guard will, whenever possible, coordinate with the Insured and a wire agency, in obtaining funds in local currency for medical or travel emergencies
. Emergency Message Center: Transmission of emergency messages to family and business associates.
Interpretation Services: Travel Guard will provide emergency language support or referral to the appropriate local services.24-Hour Emergency Assistance Telephone Numbers
Continental USA………1.877.248.8992
International.………1.715.345.0505
LiveTravel 24-Hour Assistance.………1.800.826.8597
Be sure to use the appropriate country and city codes when calling.
- KEEP THESE NUMBERS WITH YOU WHEN YOU TRAVEL -

Contacting On 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: 0925

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.

TRAVEL GUARD ASSIST • 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

Golf Concierge Services
Our Golf Concierge Service is available to you 24 hours a day, anywhere in the world so you can make the most of your golf travels.
Our services include:
• Golf course recommendations
• Slope and ratings information
• Golf course driving directions
• Tee time reservations (based on availability)
• PGA-Professional referral service
• Find-A-Foursome service
• Golf club retrieval (assistance to locate and return lost clubs)
• Assistance with golf club pickup, delivery & shipping (service only, insured responsible for fees)
• Rental club reservations
• Assistance with ground transportation (limousines, shuttle buses, car rentals)
• Event ticketing assistance for PGA, LPGA & Senior PGA events
• Restaurant referrals/reservations
• Airport transportation

Hole-in-One Celebration: Reimburses Your receipted bar expenses or beverages purchased (up to $250) if You make a hole-in-one. Club verification of hole-in-one required and bar expenses must be a clubhouse affiliated with golf course where hole-in-one took place.

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.

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

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.

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.

All benefits provided are service benefits, not financial benefits. Any costs associated with benefits not purchased will be paid by the named Insured.

24-Hour Medical Assistance
24-Hour Medical Monitoring: Physicians monitor the Insured’s condition by maintaining close contact with the attending physicians, his/her family Physician, and Immediate Family Members.
Medical Evacuation:
Arrangements for any and all means necessary to transport the Insured back home when medically necessary. Emergency Medical Payments: If a Hospital demands a cash deposit or settlement prior to leaving, Travel Guard will assist in arranging the advancement of funds to cover on-site Medical Expenses.
Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier. Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with the Insured to be flown home.
Family Visit: If the Insured is hospitalized for ten or more days, Travel Guard will arrange transportation for an Immediate Family Member or close friend to visit him/her.
Transportation of Mortal Remains: In the event of death while traveling, arrangements and payment for the return of remains to the place of burial.

24-Hour Legal Assistance
In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.

24-Hour Travel Assistance
Travel Documents Assistance: Travel Guard will help retrieve, report, and reissue lost or stolen travel documents.
Emergency Cash Transfer: Travel Guard will, whenever possible, coordinate with the Insured and a wire agency, in obtaining funds in local currency for medical or travel emergencies
. Emergency Message Center: Transmission of emergency messages to family and business associates.
Interpretation Services: Travel Guard will provide emergency language support or referral to the appropriate local services.24-Hour Emergency Assistance Telephone Numbers
Continental USA………1.877.248.8992
International.………1.715.345.0505
LiveTravel 24-Hour Assistance.………1.800.826.8597
Be sure to use the appropriate country and city codes when calling.
- KEEP THESE NUMBERS WITH YOU WHEN YOU TRAVEL -

Travel Assistance 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

TRAVEL ASSISTANCE
You can access a wide-range of valuable services, through a toll-free telephone call, 24-hours a day, 7 days a week. Travel Assistance provides a variety of travel related services, including:

• Medical evacuation/repatriation
• Repatriation of remains
• Medical or legal referral
• Hospital admission guarantee
• Emergency cash transfer *
• Translation service
• Prescription drug-eyeglass replacement
• Passport/visa information
• Bail bond *
• Lost baggage retrieval
• Inoculation information

* Benefit reimbursement to the Assistance Company is your responsibility.

For Travel Assistance contact details, please refer to your Confirmation of Coverage.

TRAVEL ASSISTANCE
You can access a wide-range of valuable services, through a toll-free telephone call, 24-hours a day, 7 days a week. Travel Assistance provides a variety of travel related services, including:

• Medical evacuation/repatriation
• Repatriation of remains
• Medical or legal referral
• Hospital admission guarantee
• Emergency cash transfer *
• Translation service
• Prescription drug-eyeglass replacement
• Passport/visa information
• Bail bond *
• Lost baggage retrieval
• Inoculation information

* Benefit reimbursement to the Assistance Company is your responsibility.

For Travel Assistance contact details, please refer to your Confirmation of Coverage.

Travel Guard Assist
All benefits provided are service benefits, not financial benefits. Any costs associated with benefits not purchased will be paid by the named Insured.

24-HOUR MEDICAL ASSISTANCE
24-Hour Medical Monitoring: Physicians monitor the Insured's condition by maintaining close contact with the attending Physicians, his/her family Physician and Immediate Family Members.

Medical Evacuation: Arrangements for any and all means necessary to transport the Insured back Home when Medically Necessary.

Emergency Medical Payments: If a Hospital demands a cash deposit or settlement prior to leaving, Travel Guard Assist will assist in arranging the advancement of funds to cover on-site Medically Necessary expenses.

Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier. Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with the Insured to be flown Home.

Family Visit: If the Insured is hospitalized for ten or more days, Travel Guard Assist will arrange transportation for an Immediate Family Member or close friend to visit him/her.

Transportation of Mortal Remains: In the event of death while traveling, arrangements and payment for the return of remains to the place of burial.

24-HOUR LEGAL ASSISTANCE
In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.

24-HOURTRAVEL ASSISTANCE
Travel Documents Assistance: Travel Guard Assist will help retrieve, report, and reissue lost or stolen travel documents.

Emergency Cash Transfer: Travel Guard Assist will, whenever possible, coordinate with the Insured and a wire agency, in obtaining funds in local currency for medical or travel emergencies.

Emergency Message Center: Transmission of emergency messages to family and business associates.

Interpretation Services: Travel Guard Assist will provide emergency language support or referral to the appropriate local services.

24-HOUR LIVETRAVEL ASSISTANCE
Provides 24-hour assistance for emergency travel needs. Allows you to make emergency travel changes such as rebooking flights, making hotel reservations, tracking lost luggage, and replacing lost credit cards. Call 1.800.826.8597 for assistance.

LIVE MESSAGING
Relay of e-mail or phone message to family, friends or business associates.

EMERGENCY CASH TRANSFER
Assistance in coordinating an emergency cash advance.

PRE-TRIPTRAVEL ADVICE
Around-the-clock access to passport, visa, inoculation and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information - all for the Insured's planned Destination.

BAG TRAK
Travel Guard Assist will provide the Insured with: personalized identification tags for the Insured's Baggage, passport, wallet, camera, or other valuables, and two permanent identification cards. If the Insured's Baggage or valuables are lost or stolen, Travel Guard Assist will assist in locating them.

CONCIERGE SERVICES
Restaurant Referrals and Reservations - Travel Guard Assist will supply a restaurant referral based on your needs and desires. Additionally Travel Guard Assist will arrange for reservations at the recommended restaurant. Based on availability.
Ground Transportation - Travel Guard Assist will locate and arrange for a transportation service to pick you up and deliver you to your desired destination. Event Ticketing - Travel Guard Assist will assist with the purchase of tickets to such events as sporting events, theatre, and concerts. Based on availability. Tee Time Reservations - Travel Guard Assist will facilitate the reservation of tee times at available courses and recommend alternatives in case of a booked course. Based on availability.
Floral Services - Travel Guard Assist will facilitate the ordering of flowers for such events as birthdays, anniversaries, holidays, and other special occasions.

Non-insurance services are provided by Travel Guard Assist.

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.

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.

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.

TRAVEL MEDICAL ADVISORIES: Before the Insured leaves on his/her Trip, he/she may obtain the latest travel advisories on his/her travel Destination(s). These advisories may include country-specific information such as visa and passport requirements, inoculation and immunization requirements, foreign exchange rates, weather forecasts, embassy and consular information, and U.S. State Department travel advisories.

EMERGENCY MEDICAL TRANSPORTATION: In the event of an Injury or an illness to the Insured requiring medical treatment or hospitalization that is not adequate where he/she is traveling, Travel Guard Assist will coordinate and arrange emergency medical transportation to the nearest appropriate Hospital. Once the Insured is stabilized, and it’s medically necessary, Travel Guard Assist will also coordinate the return of the Insured to a Hospital near his/her permanent residence.

REPATRIATION OF REMAINS: In the event of the death of any Insured who is traveling, Travel Guard Assist will arrange for the return of the remains to the commercial airport nearest the Insured’s permanent residence.

LOST PASSPORT/TRAVEL DOCUMENTS: Travel Guard Assist will assist the Insured with obtaining replacements if an Insured loses important travel documents while on the road — e.g., passport, credit cards, airline tickets, etc.

EMERGENCY PRESCRIPTION REPLACEMENT: For lost, damaged or locally unavailable prescriptions, Travel Guard Assist will coordinate the dispatch of such medications, when possible and legally permissible, to the Insured upon the authorization of the prescribing Physician.

MEDICAL REFERRAL: If medical advice or care is needed, Travel Guard Assist will refer the Insured to the nearest and most appropriate care facility or provide a listing to the Insured of the available medical care. At the Insured’s request, Travel Guard Assist will assist with obtaining an appointment with the medical care provider chosen by the Insured.

MEDICAL CASE MONITORING: If the Insured is hospitalized when traveling away from home, Travel Guard Assist will monitor the case from the initial admission until discharge. Using the skills of medical professionals, the Insured is assured that all necessary information is made available to him/her to ensure that the Insured receives the essential care he/she needs.

EMERGENCY MESSAGE RELAY: Travel Guard Assist provides the Insured with the ability to receive or transmit emergency messages to his/her family, employer, or family Physician.

Make sure you call Travel Guard Assist (1.800.826.1300 or 1.715.295.5452) 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.

*Non-insurance services are provided by Travel Guard Assist.

Call Collect From Anywhere

Medical Referrals

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

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 an air medical transport is initiated.

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 (800-963-3538) or calling collect (205) 595 - 6626 from anywhere in the world.

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.

Legal Referrals

MedjetAssist provides contact information for certified attorneys in the area in which the member is traveling. Telephone interpretation can be provided when necessary. The selection and payment of the attorney are the responsibility of the member.

Visa, Passport & Immunization Requirements

MedjetAssist will provide information regarding visa, passport and immunization requirements for foreign countries in which members will be traveling. For an additional cost, members may also receive services such as expedition or replacement of lost or stolen visas and passports.

Travel, Health & Safety Precautions

In addition to providing travel, health and safety precautions for international destinations, members may also receive comprehensive pre-travel medical consultations.

Call Collect From Anywhere

Medical Referrals

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

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 an air medical transport is initiated.

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 (800-963-3538) or calling collect (205) 595 - 6626 from anywhere in the world.

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.

Legal Referrals

MedjetAssist provides contact information for certified attorneys in the area in which the member is traveling. Telephone interpretation can be provided when necessary. The selection and payment of the attorney are the responsibility of the member.

Visa, Passport & Immunization Requirements

MedjetAssist will provide information regarding visa, passport and immunization requirements for foreign countries in which members will be traveling. For an additional cost, members may also receive services such as expedition or replacement of lost or stolen visas and passports.

Travel, Health & Safety Precautions

In addition to providing travel, health and safety precautions for international destinations, members may also receive comprehensive pre-travel medical consultations.

COVERED SERVICES
MEDICAL ASSISTANCE

1. Pre-Trip Plan
   ON CALL shall provide up-to-date information either by e-mail, fax or over the phone regarding required vaccinations, health risks, travel restrictions and weather conditions for global destinations worldwide.
2. Medical Monitoring
   ON CALL shall, via telephone, monitor the Member’s conditions when hospitalized and provide ongoing updates to the Member’s family. Depending upon the medical and/or geographical situations, ON CALL may retain the services of consulting physicians/nurses and/or other medical professionals with relevant areas of expertise to assist in the monitoring of the Member’s condition. ON CALL does not provide or control the provision of medical services to Members. The attending medical practitioner and/or the Member or their representative makes all decisions regarding medical services. The parties understand and agree that the rendering of medical services to a Member and the result thereof are solely within the control of medical practitioners and/or other providers of the services and advice. ON CALL and performance of its obligations shall not constitute any undertaking to render any medical services, to assume or guarantee the result of medical services provided on behalf of Members, or to guarantee that the medical services performed by others will be rendered in accordance with generally accepted standards or procedures.
3. 24 Hour Nurse Help Line
   ON CALL shall provide Members 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 Members (based on symptoms reported and/or health care questions asked by or on behalf of Members). Nurses shall not diagnose Member’s ailments.
4. Medical, Dental and Pharmacy Referrals
   ON CALL shall provide, at the Member’s request, referrals to medical, dental professionals and pharmacies in the given geographic area locations of western style medical facilities and English speaking doctors, dentists and other health care providers in an area served by ON CALL to the extent possible.
5. Deposits, Advances and Guarantees
   Deposits, advances and guarantees will be provided for, but not limited to, medical facilities, hotels, airlines, ground and air ambulances and other like providers to secure service for Member. Any advances of funds on behalf of the Member shall be charged to the Member’s credit card at the time of service.
6. Dispatch of Medicine Dispatch of Physician/Nurse When a Member is away from home, ON CALL may, at its sole discretion, dispatch to the Member’s location a physician or other health care professional to assist in determining the medical condition and suitability to travel to a Member who has been hospitalized.

Medical Assistance Services

• Medical Monitoring
• 24 Hour Nurse Helpline
• Medical, Dental, & Pharmacy Referrals
• Deposits, Advances, & Guarantees
• Dispatch of Medicine, Physician, or Nurse
• Joining of Hospitalized Member
• Repatriation of Deceased Remains

TRAVEL ASSISTANCE

1. Travel Assistance
   At the Member’s request, ON CALL shall assist Member once a trip has started with changing airline, hotel or car rental reservations.
2. Translation and Interpreters
   ON CALL will provide foreign language assistance over the telephone, or up to one-page translations submitted via fax. ON CALL will also provide referrals to local translators and interpreters. Fees for these types of translators are the responsibility of the Member.
3. Emergency Cash Advance Assistance
   ON CALL shall provide assistance to Members by arranging for the forwarding of funds from Member’s credit cards or family members. Any fees associated with the transfer of funds will be the responsibility of the Member.
4. Replacement of Lost Traveling Documents Assistance
   ON CALL shall provide assistance to Members by arranging for the replacement of passports, airline documents, birth certificates and other travel-related documents. Any fees required for the acquisition or forwarding of these documents is the responsibility of the Member.
5. Emergency Message Forwarding Assistance
   In the event a Member is unable to reach an employer, family member or traveling companion, ON CALL shall forward a message via telephone or fax to the intended party.
6. Lost Luggage Assistance
   ON CALL shall assist the Member with the tracking of luggage lost in transit.
7. Legal Referral
   If a Member is away from home and is arrested, or requires the services of an attorney, ON CALL shall arrange for an initial telephone consultation with an attorney without charge to Member. If needed, a Member will be referred to an attorney in the appropriate geographical area. Fees and costs charged by the referred attorney shall be the responsibility of Member.
?/ol>

COVERED SERVICES
MEDICAL ASSISTANCE

1. Pre-Trip Plan
   ON CALL shall provide up-to-date information either by e-mail, fax or over the phone regarding required vaccinations, health risks, travel restrictions and weather conditions for global destinations worldwide.
2. Medical Monitoring
   ON CALL shall, via telephone, monitor the Member’s conditions when hospitalized and provide ongoing updates to the Member’s family. Depending upon the medical and/or geographical situations, ON CALL may retain the services of consulting physicians/nurses and/or other medical professionals with relevant areas of expertise to assist in the monitoring of the Member’s condition. ON CALL does not provide or control the provision of medical services to Members. The attending medical practitioner and/or the Member or their representative makes all decisions regarding medical services. The parties understand and agree that the rendering of medical services to a Member and the result thereof are solely within the control of medical practitioners and/or other providers of the services and advice. ON CALL and performance of its obligations shall not constitute any undertaking to render any medical services, to assume or guarantee the result of medical services provided on behalf of Members, or to guarantee that the medical services performed by others will be rendered in accordance with generally accepted standards or procedures.
3. 24 Hour Nurse Help Line
   ON CALL shall provide Members 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 Members (based on symptoms reported and/or health care questions asked by or on behalf of Members). Nurses shall not diagnose Member’s ailments.
4. Medical, Dental and Pharmacy Referrals
   ON CALL shall provide, at the Member’s request, referrals to medical, dental professionals and pharmacies in the given geographic area locations of western style medical facilities and English speaking doctors, dentists and other health care providers in an area served by ON CALL to the extent possible.
5. Deposits, Advances and Guarantees
   Deposits, advances and guarantees will be provided for, but not limited to, medical facilities, hotels, airlines, ground and air ambulances and other like providers to secure service for Member. Any advances of funds on behalf of the Member shall be charged to the Member’s credit card at the time of service.
6. Dispatch of Medicine Dispatch of Physician/Nurse When a Member is away from home, ON CALL may, at its sole discretion, dispatch to the Member’s location a physician or other health care professional to assist in determining the medical condition and suitability to travel to a Member who has been hospitalized.

Medical Assistance Services

• Medical Monitoring
• 24 Hour Nurse Helpline
• Medical, Dental, & Pharmacy Referrals
• Deposits, Advances, & Guarantees
• Dispatch of Medicine, Physician, or Nurse
• Joining of Hospitalized Member
• Repatriation of Deceased Remains

TRAVEL ASSISTANCE

1. Travel Assistance
   At the Member’s request, ON CALL shall assist Member once a trip has started with changing airline, hotel or car rental reservations.
2. Translation and Interpreters
   ON CALL will provide foreign language assistance over the telephone, or up to one-page translations submitted via fax. ON CALL will also provide referrals to local translators and interpreters. Fees for these types of translators are the responsibility of the Member.
3. Emergency Cash Advance Assistance
   ON CALL shall provide assistance to Members by arranging for the forwarding of funds from Member’s credit cards or family members. Any fees associated with the transfer of funds will be the responsibility of the Member.
4. Replacement of Lost Traveling Documents Assistance
   ON CALL shall provide assistance to Members by arranging for the replacement of passports, airline documents, birth certificates and other travel-related documents. Any fees required for the acquisition or forwarding of these documents is the responsibility of the Member.
5. Emergency Message Forwarding Assistance
   In the event a Member is unable to reach an employer, family member or traveling companion, ON CALL shall forward a message via telephone or fax to the intended party.
6. Lost Luggage Assistance
   ON CALL shall assist the Member with the tracking of luggage lost in transit.
7. Legal Referral
   If a Member is away from home and is arrested, or requires the services of an attorney, ON CALL shall arrange for an initial telephone consultation with an attorney without charge to Member. If needed, a Member will be referred to an attorney in the appropriate geographical area. Fees and costs charged by the referred attorney shall be the responsibility of Member.
?/ol>