What is 24 Hour AD&D?

24-Hour AD&D provides a cash payment in the event of accidental loss of life or limb during a covered trip.

This benefit typically provides the smallest payout compared to the other forms of AD&D coverage: Common Carrier AD&D and Flight Only AD&D. Only a few travel insurance providers have 24-Hour AD&D coverage for the entire trip.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer 24 Hour AD&D coverage.

Looking for a policy with 24 Hour AD&D coverage?

Enter your trip information on our custom search form. Once you receive your results, select the 24 Hour AD&D filter to find the best policy for your trip with the coverage that you need.

Search & Compare Travel Insurance Policies
All policies provide worldwide coverage unless stated prior to purchase.
Step 1 of 3
April Travel Protection
April Travel Protection
Policy Name and Summary of Coverage
1

Choice

$10,000 per person
$50,000 policy limit

ACCIDENTAL DEATH AND DISMEMBERMENTTRAVEL ACCIDENT

We will pay this benefit, up to the amount on the Schedule, if you are injured in an Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Accident. The principal sum is the benefit amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:

Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Both Hands; Both Feet or Sight of Both Eyes . . . . 100%
One Hand and One Foot. . . . . . . . . . . . . . . . . . . . . 100%
One Hand and Sight of One Eye. . . . . . . . . . . . . . . 100%
One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Hand; One Foot or Sight of One Eye. . . . . . . . . 50%

Exclusions

We will not pay for loss caused by or resulting from:

1. Sickness of any kind;

2. service in the armed forces of any country.

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2

Choice

$10,000 per person
$50,000 policy limit

ACCIDENTAL DEATH AND DISMEMBERMENTTRAVEL ACCIDENT

We will pay this benefit, up to the amount on the Schedule, if you are injured in an Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Accident. The principal sum is the benefit amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:

Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Both Hands; Both Feet or Sight of Both Eyes . . . . 100%
One Hand and One Foot. . . . . . . . . . . . . . . . . . . . . 100%
One Hand and Sight of One Eye. . . . . . . . . . . . . . . 100%
One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Hand; One Foot or Sight of One Eye. . . . . . . . . 50%

Exclusions

We will not pay for loss caused by or resulting from:

1. Sickness of any kind;

2. service in the armed forces of any country.

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3

Annual Plan

$10,000 per person
$50,000 policy limit

ACCIDENTAL DEATH AND DISMEMBERMENTTRAVEL ACCIDENT

We will pay this benefit, up to the amount on the Schedule, if you are injured in an Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Accident. The principal sum is the benefit amount shown on the Schedule.

Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Both Hands; Both Feet or Sight of Both Eyes . . . . 100%
One Hand and One Foot. . . . . . . . . . . . . . . . . . . . . 100%
One Hand and Sight of One Eye. . . . . . . . . . . . . . . 100%
One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Hand; One Foot or Sight of One Eye. . . . . . . . . 50%

Exclusions

We will not pay for loss caused by or resulting from:

1. Sickness of any kind;

2. service in the armed forces of any country.

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4

Pandemic Plus

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay a percentage of the Principal Sum listed in the Schedule of Benefits when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table of Losses below.

The loss must occur within 365 days after the date of the Accident causing the loss.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%

Loss with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints;

b) eye means an entire and irrecoverable loss of sight; and

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular or cardiovascular Accident or event, myocardial infarction (heart attack), coronary thrombosis or aneurysm.

EXPOSURE: We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event that caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

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Arch RoamRight
Arch RoamRight
Policy Name and Summary of Coverage
5

Preferred

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage indicated in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits when You, as a result of an Injury caused by an Accident occurring during Your Trip, sustain a Loss shown in the Table of Losses below. The Loss must occur within one hundred eighty (180) days after the date of the Injury causing the Loss.

OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage indicated in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You sustain an Injury caused by an Accident occurring during Your Trip while riding solely as a passenger in or on, boarding or alighting from any aircraft operated under a license for the transportation of passengers for hire of a regularly scheduled airline or regularly scheduled charter company that results in a Loss shown in the Table of Losses below. The Loss must occur within one hundred eighty (180) days after the date of the Injury causing the Loss.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One Hand and One Foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%

“Loss” with regard to: 1) hand or foot means actual complete severance through and above the wrist or ankle joints; and 2) eye means an entire and irrecoverable Loss of sight.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

Exposure and Disappearance:

We will pay benefits for covered Losses that result from You being unavoidably exposed to the elements because of an Accident occurring during Your Trip. The Loss must occur within 365 days after the event that caused the exposure.

If, while on Your Trip, You are in an Accident resulting in the disappearance, sinking or damaging of a covered air or water conveyance on which You are traveling, and if Your body has not been found within 365 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

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AXA Assistance USA
AXA Assistance USA
Policy Name and Summary of Coverage
6

Silver

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. An Aggregate Limit of $15,000,000 is the maximum amount payable by the Company for all Losses sustained for all persons insured under the Policy that are caused by any one Accident that occurs while the Policy is in force. If this limit is not sufficient to pay the total of all such claims, then the amount the Company pays for the Loss of any one Insured will be the proportional share of this amount.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of the same hand – 25%

“Loss” with regard to:

1) hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2) eye means an entire and irrecoverable Loss of sight; and

3) speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4) thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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7

Gold

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. An Aggregate Limit of $15,000,000 is the maximum amount payable by the Company for all Losses sustained for all persons insured under the Policy that are caused by any one Accident that occurs while the Policy is in force. If this limit is not sufficient to pay the total of all such claims, then the amount the Company pays for the Loss of any one Insured will be the proportional share of this amount.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight; and

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred-sixty five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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8

Platinum

$50,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. An Aggregate Limit of $15,000,000 is the maximum amount payable by the Company for all Losses sustained for all persons insured under the Policy that are caused by any one Accident that occurs while the Policy is in force. If this limit is not sufficient to pay the total of all such claims, then the amount the Company pays for the Loss of any one Insured will be the proportional share of this amount.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight; and

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred-sixty five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC
Policy Name and Summary of Coverage
9

Beacon America incl US

$30,000 per adult
$6,000 per child

32.11 Accidental Death (Participating Members age 18 and older) — The Scheme Administrator will pay the Principal Sum of $30,000 for the Participating Member. The Scheme Administrator will pay the Principal Sum of $20,000 for the Participating Member’s spouse. The Scheme Administrator will pay the Principal Sum of $6,000 for Dependent Child(ren). The Scheme Administrator will pay a reduced benefit of fifty (50) percent to any Participating Member age seventy to seventy-four (70-74) ($15,000); and for ages seventy-five (75) and older, a further reduction of fifty (50) percent ($7,500). The Maximum benefit is $250,000 for any one (1) Family.

32.12 Accidental Death (Participating Members under the age 18) — The Scheme Administrator will pay the Principal Sum of $6,000 for the Participating Member.

32.13 Accidental Dismemberment Schedule (Participating Members age 18 and older):

32.13.1 Loss of two (2) or more limbs or loss of vision in both eyes – Principal Sum ($30,000); and

32.13.2 Loss of one (1) limb or loss of vision in one (1) eye – one-half of Principal Sum ($15,000);

32.13.3 The Principal Sums for Accidental Dismemberment shall reduce by fifty (50) percent for Participating Members age seventy to seventy-four (70-74) and by an additional fifty (50) percent for Participating Members seventy-five (75) and older. The Maximum benefit is $250,000 for any one (1) Family.

32.13 ACCIDENTAL DISMEMBERMENT SCHEDULE (Participating Members under the age 18) –

32.14.1 Loss of two (2) or more limbs or loss of vision in both eyes – Principal Sum ($6,000)

32.14.2 Loss of one (1) limb or loss of vision in one (1) eye – Principal Sum ($3,000)

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10

Beacon International excl US

$30,000 per adult
$6,000 per child

32.11 Accidental Death (Participating Members age 18 and older) — The Scheme Administrator will pay the Principal Sum of $30,000 for the Participating Member. The Scheme Administrator will pay the Principal Sum of $20,000 for the Participating Member’s spouse. The Scheme Administrator will pay the Principal Sum of $6,000 for Dependent Child(ren). The Scheme Administrator will pay a reduced benefit of fifty (50) percent to any Participating Member age seventy to seventy-four (70-74) ($15,000); and for ages seventy-five (75) and older, a further reduction of fifty (50) percent ($7,500). The Maximum benefit is $250,000 for any one (1) Family.

32.12 Accidental Death (Participating Members under the age 18) — The Scheme Administrator will pay the Principal Sum of $6,000 for the Participating Member.

32.13 Accidental Dismemberment Schedule (Participating Members age 18 and older):

32.13.1 Loss of two (2) or more limbs or loss of vision in both eyes – Principal Sum ($30,000); and

32.13.2 Loss of one (1) limb or loss of vision in one (1) eye – one-half of Principal Sum ($15,000);

32.13.3 The Principal Sums for Accidental Dismemberment shall reduce by fifty (50) percent for Participating Members age seventy to seventy-four (70-74) and by an additional fifty (50) percent for Participating Members seventy-five (75) and older. The Maximum benefit is $250,000 for any one (1) Family.

32.13 ACCIDENTAL DISMEMBERMENT SCHEDULE (Participating Members under the age 18) –

32.14.1 Loss of two (2) or more limbs or loss of vision in both eyes – Principal Sum ($6,000)

32.14.2 Loss of one (1) limb or loss of vision in one (1) eye – Principal Sum ($3,000)

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battleface
battleface
Policy Name and Summary of Coverage
11

Travel Medical Single Trip

$50,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay you for this benefit for one of the losses shown in the Table of Losses below if you are injured during the covered trip. The loss must occur within three hundred sixty-five (365) days of the date of the accident that caused the injury. We will pay the percentage shown below of the maximum limit shown in the schedule of benefits.

If more than one loss is sustained as the result of one accident, only one benefit, the largest, shall be payable for all losses due to the same accident. We will not pay more than 100% of the maximum limit for all losses due to the same accident.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%

Loss with regard to:

a. Hand or foot, means actual complete severance through and above the wrist or ankle joints; and

b. Sight means an entire and irrecoverable loss of sight in that eye.

EXPOSURE

We will pay a benefit for covered losses as specified above which result from you being unavoidably exposed to the elements due to an accidental injury during the covered trip. The loss must occur within three hundred sixty-five (365) days after the event which caused the exposure.

DISAPPEARANCE

We will pay for loss of life as shown above if your body cannot be located within one (1) year after a disappearance due to an accident during the covered trip.

Accidental Death and Dismemberment Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

a. Death caused by or resulting directly or indirectly from sickness or disease of any kind; or

b. Stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm;

c. Intentionally self-inflicted injury,suicide, or attempted suicide by you;

d. You or your traveling companion traveling for the purpose of securing medical treatment;

e. Your participation in adventure activities, winter activities or dangerous activities, except as a spectator;

f. Normal pregnancy or childbirth, or elective abortion. However, unforeseen complications of pregnancy are not excluded; or

g. Your mental, nervous or psychological disorder.

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12

Explorer

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay you for this benefit for one of the losses shown in the Table of Losses below if you are injured during the covered trip. The loss must occur within three hundred sixty-five (365) days of the date of the accident that caused the injury. We will pay the percentage shown below of the maximum limit shown in the schedule of benefits.

If more than one loss is sustained as the result of one accident, only one benefit, the largest, shall be payable for all losses due to the same accident. We will not pay more than 100% of the maximum limit for all losses due to the same accident.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%

Loss with regard to:

a. Hand or foot, means actual complete severance through and above the wrist or ankle joints; and
b. Sight means an entire and irrecoverable loss of sight in that eye.

EXPOSURE

We will pay a benefit for covered losses as specified above which result from you being unavoidably exposed to the elements due to an accidental injury during the covered trip. The loss must occur within three hundred sixty-five (365) days after the event which caused the exposure.

DISAPPEARANCE

We will pay for loss of life as shown above if your body cannot be located within one (1) year after a disappearance due to an accident during the covered trip.

Accidental Death and Dismemberment Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

a. Death caused by or resulting directly or indirectly from sickness or disease of any kind; or
b. Stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm;
c. Intentionally self-inflicted injury,suicide, or attempted suicide by you;
d. You or your traveling companion traveling for the purpose of securing medical treatment;
e. Normal pregnancy or childbirth, or elective abortion. However, unforeseen complications of pregnancy are not excluded;
f. Your mental, nervous or psychological disorder; or
g. Pre-existing medical conditions.

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Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
13

ExactCare

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while You are on the Trip and are covered under this Policy.

If more than one Loss is sustained by You as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Life – 100%
Both Hands or Both Feet – 100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
Either Hand or Foot and Sight of One Eye – 100%
Either Hand or Foot – 50%
Sight of One Eye – 50%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints;

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from You being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if Your body cannot be located one year after a disappearance due to an accident during the Trip.

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14

LuxuryCare

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury.

The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while You are on the Trip and is covered under this Policy.

If more than one Loss is sustained by You as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Life …………………………………………………………………… 100%
Both Hands or Both Feet …………………………………….. 100%
Sight of Both Eyes………………………………………………. 100%
One Hand and One Foot……………………………………… 100%
Either Hand or Foot and Sight of One Eye……………… 100%
Either Hand or Foot ……………………………………………. 50%
Sight of One Eye…………………………………………………. 50%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints;

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from You being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if Your body cannot be located one year after a disappearance due to an accident during the Trip.

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15

ExactCare Lite

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while You are on the Trip and are covered under this Policy.

If more than one Loss is sustained by You as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Life – 100%
Both Hands or Both Feet -100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
Either Hand or Foot and Sight of One Eye – 100%
Either Hand or Foot – 50%
Sight of One Eye – 50%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints;

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from You being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if Your body cannot be located one year after a disappearance due to an accident during the Trip.

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Cat 70
Cat 70
Policy Name and Summary of Coverage
16

Travel Plan

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay a percentage of the Principal Sum listed in the Schedule of Benefits when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table of Losses below. The loss must occur within 365 days after the date of the Accident causing the loss.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Life 100%
Both hands or both feet 100%
Sight of both eyes 100%
One hand and one foot 100%
Either hand or foot and sight of one eye 100%
Either hand or foot 50%
Sight of one eye 50%
Speech and hearing in both ears 100%
Speech 50%
Hearing in both ears 50%

Loss with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints;

b) eye means an entire and irrecoverable loss of sight; and

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular or cardiovascular Accident or event, myocardial infarction (heart attack), coronary thrombosis or aneurysm.

EXPOSURE: We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event that caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

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Generali Global Assistance
Generali Global Assistance
Policy Name and Summary of Coverage
17

Preferred

$25,000 per person
$50,000 policy limit

ACCIDENTAL DEATH AND DISMEMBERMENTTRAVEL ACCIDENT

We will pay this benefit, up to the amount on the Schedule, if you are injured in an Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Accident. The principal sum is the benefit amount shown on the Schedule.

Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Both Hands; Both Feet or Sight of Both Eyes . . . . 100%
One Hand and One Foot . . . . . . . . . . . . . . . . . . . . 100%
One Hand and Sight of One Eye . . . . . . . . . . . . . . 100%
One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Hand; One Foot or Sight of One Eye. . . . . . . . 50%

Exclusions

We will not pay for loss caused by or resulting from:

1. Sickness of any kind;

2. service in the armed forces of any country.

The information provided is for informational purposes. See a state specific Description of Coverage/Policy for full terms and conditions.

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18

Premium

$50,000 per person
$100,000 policy limit

ACCIDENTAL DEATH AND DISMEMBERMENTTRAVEL ACCIDENT

We will pay this benefit, up to the amount on the Schedule, if you are injured in an Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Accident. The principal sum is the benefit amount shown on the Schedule.

Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Both Hands; Both Feet or Sight of Both Eyes . . . . 100%
One Hand and One Foot . . . . . . . . . . . . . . . . . . . . . 100%
One Hand and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Hand; One Foot or Sight of One Eye. . . . . . . 50%

Exclusions

We will not pay for loss caused by or resulting from:

1. Sickness of any kind;

2. service in the armed forces of any country.

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GeoBlue
GeoBlue
Policy Name and Summary of Coverage
19

Voyager Choice

$50,000 per person

Accidental Death and Dismemberment Benefit

The Insurer will pay the benefit stated below if an Insured Person sustains an Injury resulting in any of the losses stated below while covered under this Policy:

Life – 100%
Both Hands or Both Feet – 100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
One Hand and the Sight of One Eye – 100%
One Foot and the Sight of One Eye – 100%
Speech and Hearing in Both Ears – 100%
One Hand or One Foot – 50%
The Sight of One Eye – 50%
Speech or Hearing in Both Ears – 50%
Hearing in One Ear – 25%
Thumb and Index Finger of Same Hand – 25%

Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.

If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Insured Person due to any one Accident.

The Principal Sum is stated in Benefit Overview Matrix.

Exposure. If by reason of an Accident covered by the Certificate a Covered Person is unavoidably exposed to the elements and as a result of such exposure suffers a Loss for which the Principal Sum is otherwise payable hereunder such Loss will be covered under the terms of this Certificate.

Disappearance. If the body of a Covered Person has not been found within one year of the disappearance, forced landing, stranding, sinking, or wrecking of a conveyance in which such Covered Person was an occupant, then it shall be deemed, subject to all other terms and provisions of the Certificate, that such Covered Person shall have suffered Loss of life within the meaning of the Certificate.

Special Limitations/Expenses Not Covered
In addition to general exclusions listed in Section VI., “Exclusions and Limitations: What the Plan does not pay for”, of this Certificate of Coverage, benefits will not be provided for the following:

1. For loss of life or dismemberment due to a Sickness, disease or infection.

2. For any loss of life or dismemberment before the effective date of coverage or after coverage ends.

3. There is no coverage for loss of life or dismemberment for or arising from an Accident in the Covered Person’s Home Country.

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20

Voyager Essential

$25,000 per person

Accidental Death and Dismemberment Benefit

The Insurer will pay the benefit stated below if an Insured Person sustains an Injury resulting in any of the losses stated below while covered under this Policy:

Life – 100%
Both Hands or Both Feet – 100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
One Hand and the Sight of One Eye – 100%
One Foot and the Sight of One Eye – 100%
Speech and Hearing in Both Ears – 100%
One Hand or One Foot – 50%
The Sight of One Eye – 50%
Speech or Hearing in Both Ears – 50%
Hearing in One Ear – 25%
Thumb and Index Finger of Same Hand – 25%

Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.

If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Insured Person due to any one Accident.

The Principal Sum is stated in Benefit Overview Matrix.

Exposure. If by reason of an Accident covered by the Certificate a Covered Person is unavoidably exposed to the elements and as a result of such exposure suffers a Loss for which the Principal Sum is otherwise payable hereunder such Loss will be covered under the terms of this Certificate.

Disappearance. If the body of a Covered Person has not been found within one year of the disappearance, forced landing, stranding, sinking, or wrecking of a conveyance in which such Covered Person was an occupant, then it shall be deemed, subject to all other terms and provisions of the Certificate, that such Covered Person shall have suffered Loss of life within the meaning of the Certificate.

Special Limitations/Expenses Not Covered
In addition to general exclusions listed in Section VI., “Exclusions and Limitations: What the Plan does not pay for”, of this Certificate of Coverage, benefits will not be provided for the following:

1. For loss of life or dismemberment due to a Sickness, disease or infection.

2. For any loss of life or dismemberment before the effective date of coverage or after coverage ends.

3. There is no coverage for loss of life or dismemberment for or arising from an Accident in the Covered Person’s Home Country.

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21

Trekker Choice excl US

$25,000 per person

Accidental Death and Dismemberment Benefit

The Insurer will pay the benefit stated below if an Insured Person sustains an Injury resulting in any of the losses stated below while covered under this Policy:

Life – 100%
Both Hands or Both Feet – 100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
One Hand and the Sight of One Eye – 100%
One Foot and the Sight of One Eye – 100%
Speech and Hearing in Both Ears – 100%
One Hand or One Foot – 50%
The Sight of One Eye – 50%
Speech or Hearing in Both Ears – 50%
Hearing in One Ear – 25%
Thumb and Index Finger of Same Hand – 25%

Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.

If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Covered Person due to any one Accident.

The Principal Sum is stated in Benefit Overview Matrix.

Exposure. If by reason of an Accident covered by the Certificate a Covered Person is unavoidably exposed to the elements and as a result of such exposure suffers a Loss for which the Principal Sum is otherwise payable hereunder such Loss will be covered under the terms of this Certificate.

Disappearance. If the body of a Covered Person has not been found within one year of the disappearance, forced landing, stranding, sinking, or wrecking of a conveyance in which such Covered Person was an occupant, then it shall be deemed, subject to all other terms and provisions of the Certificate, that such Covered Person shall have suffered Loss of life within the meaning of the Certificate.

Special Limitations/Expenses Not Covered

In addition to general exclusions listed in Section VI., “Exclusions and Limitations: What the Plan does not pay for”, of this Certificate of Coverage, benefits will not be provided for the following:

1. For loss of life or dismemberment due to a Sickness, disease or infection.

2. For any loss of life or dismemberment before the effective date of coverage or after coverage ends.

3. There is no coverage for loss of life or dismemberment for or arising from an Accident in the Covered Person’s Home Country.

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Global Underwriters
Global Underwriters
Policy Name and Summary of Coverage
22

Diplomat America

$25,000 per person

Accidental Death and Dismemberment (AD&D)

If within 1 year after the date of the Accident or Injury, the Plan Participant’s Injury results in death or dismemberment, this Plan provides the following benefits for loss of:

Life: Principal Sum

Both Hands or Both Feet or Sight of Both Eyes or One Hand and One Foot or Either Hand or Foot and Sight of One Eye: Principal Sum

Speech and Hearing in both Ears: Principal Sum

Speech or Hearing in both Ears: One-Half the Principal Sum

Either Hand or Foot or Sight of One Eye: One-Half the Principal Sum

Thumb and index finger of same hand: One-Quarter of the Principal Sum

The amount of the Principal Sum is $25,000 unless the Enhanced AD&D Benefit is purchased.

Exposure To The Elements Or Disappearance

Subject to all other terms and conditions of the Plan Document, We will:

1) Pay the applicable benefit under Benefits For Accidental Death And Dismemberment for a Plan Participant’s loss specified therein, which results from unavoidable exposure to the elements or disappearance due to:

a) The forced landing; stranding; sinking; or wrecking of a vehicle in which a Plan Participant was traveling; and

b) Such Occurrence occurs from an Accident for which the Plan Document provides coverage; or

2) Presume that a Plan Participant has died if:

a) A vehicle in which he is traveling disappears; sinks; is stranded; or is wrecked; as a result of an Accident for which the Plan Document provides coverage; and

b) His body is not found within one year of the Occurrence the of (2)(a) above.

Enhanced AD&D Benefit (If Benefit Purchased)

The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage. The Enhanced AD&D Benefit is not available to children under 18 years of age.

Designation Or Change Of Beneficiary

Each Plan Participant may designate a beneficiary to whom loss of life benefits are payable. The designation shall be as follows in descending order:

• Beneficiaries designated in writing by the Plan Participant for the Plan Document on file with the Participation Organization, if any, otherwise;

• Beneficiaries as designated in writing for any group life insurance plan or its renewals in force for the Participation Organization, if any, otherwise;

• In equal shares to the members of the first surviving class of those that follow, if any:

a) a Plan Participant’s lawful spouse, if not legally separated or divorced, or Domestic Partner or Civil Union Partner;

b) a Plan Participant’s natural Child, adopted Child, foster Child, stepchild, or other Child for whom the Plan Participant has or had legal guardianship (proof will be required); or

c) a Plan Participant’s parents, whether natural, step or adoptive; or

d) a Plan Participant’s Sisters or Brothers, otherwise.

4)The estate of the Plan Participant.

Paralysis Benefit:

If the Accident or Injury renders an Plan Participant Paralyzed within 365 days of the date of the Injury, in any one of the types of paralysis specified below, The Company will pay up to a maximum of $25,000 as follows:

Type of Paralysis (Loss) Indemnity
Quadriplegia ………………………………………………………. $25,000
Paraplegia…….……………………………………..………….……….…$18,750
Hemiplegia……………………………………………………………….$12,500
Uniplegia………………………………………………………………….$6,250

Quadriplegia means the complete and irreversible paralysis of both upper and both lower limbs.

Paraplegia means the complete and irreversible paralysis of both lower limbs.

Hemiplegia means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body.

Uniplegia means the complete and irreversible paralysis of one limb (Limb means entire arm or entire leg).

If the Plan Participant suffers more than one type of paralysis as a result of the same accident, only one amount, the largest, will be paid.

Coma Benefit:

If a covered Injury renders a Plan Participant Comatose within 90 days of the date of the accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, The Company will pay a monthly benefit of $250. No benefit is provided for the first 30 days of the Coma. The benefit is payable monthly as long as the Plan Participant remains Comatose due to that Injury, but ceases on the earliest of

• the date the Plan Participant ceases to be Comatose due to the Injury;

• the date the Plan Participant dies;

• the date the total amount of monthly Coma Benefit paid for all Injuries caused by the same accident equals $25,000.

The Company will pay benefits calculated at a rate of 1/30 of the monthly benefit for each day for which The Company is liable when the Plan Participant is Comatose for less than a full month. Only one benefit is provided for any one month of Coma, regardless of the number of Injuries causing the Coma. The Company reserves the right, at the end of the first 30 consecutive days of Coma and as often as it may reasonably require thereafter, to determine on the basis of all the facts and circumstances, that the Plan Participant is Comatose, including but not limited to, requiring an independent medical examination provided at the Expense of The Company.

Seat Belt and Airbag Benefit:

We will pay benefits of $25,000 when the Plan Participant suffers Accidental Death or Dismemberment or Coma or Paralysis which benefits are payable and if the accident occurs while the Plan Participant is operating, or riding in a Private Passenger Car and: 1) The car is equipped with seat belts; (2) The seat belt was in actual use and properly fastened and properly installed by a factory authorized dealer (2) the Plan Participant was positioned in a seat protected by a properly functioning supplemental restraint system (airbags), properly installed by a factory authorized dealer that inflates on impact. Verification of the actual use of the seat belt at the time of the Accident, and that the supplemental restraint system inflated properly upon impact must be part of an official report of the accident or be certified in writing by the investigating officer(s). This benefit is in addition to any other benefit of the plan.

In the case of a child, seat belt means a child restraint device, approved by the National Highway Traffic Safety Administration, which is secured and being used as recommended by its manufacturer for children of like age and weight, at the time of the Accident.

“Private Passenger Car” means a validly registered four-wheel private passenger car, station wagon, jeep, pick-up truck, and van-type car. The Seat belt Benefit will not be paid for an Accident which occurs while the Plan Participant is participating in a race, speed or endurance test.

Felonious Assault Benefit:

We will pay benefits of $25,000 when the Plan Participant suffers from an Accidental Death or Dismemberment or Coma or Paralysis if the accident is a result of a Felonious Assault: 1) that is not a moving violation as defined under the applicable government motor vehicle laws; and 2) that is not an act of an Immediate Family Member, another Plan Participant or an individual who resides with the Plan Participant on a permanent basis. Only one benefit is payable for all losses as a result of the same Felonious Assault. This benefit is in addition to any other benefit of the program. “Felonious Assault” means: (1) An act of violence against the Plan Participant; or (2) An act which reasonably puts the Plan Participant in fear of physical violence to his person.

Home Alteration and Vehicle Modification:

We will pay benefits when the Plan Participant suffers an a Accidental Death or Dismemberment or Coma or Paralysis which benefit are payable as a result of;

1) the Plan Participant did not, prior to the date of the Accident causing such loss(es), require the use of a wheelchair to be ambulatory; and

2) as a direct result of such loss(es) is now required to use a wheelchair to be ambulatory.

Covered Home Alteration And Vehicle Modification Expenses As used in this provision, means one-time Expenses that:

1) are charged for: (a) alterations to the Plan Participant’s residence that are necessary to make the residence accessible and habitable for a wheelchair-confined person; or (b) modifications to a motor vehicle owned or leased by the Plan Participant or modifications to a motor vehicle newly purchased for the Plan Participant that are necessary to make the vehicle accessible to and/or drivable by the Plan Participant; and

2) do not include charges that would not have been made if no insurance existed; and

3) do not exceed the usual level of charges for similar alterations and modifications in the locality where the Loss is incurred; but only if the alterations to the Plan Participant’s residence and the modifications to his or her motor vehicle are: 1) made on behalf of the Plan Participant; 2) recommended by a nationally-recognized organization providing support and assistance to wheelchair users; 3) carried out by individuals experienced in such alterations and modifications; and 4) in compliance with any applicable laws or requirements for approval by the appropriate government authorities.

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23

Diplomat International

$25,000 per person

Accidental Death and Dismemberment (AD&D)

If within 1 year after the date of the Accident or Injury , the Plan Participant’s Injury results in death or dismemberment, this Plan provides the following benefits for loss of:

Life: Principal Sum

Both Hands or Both Feet or Sight of Both Eyes or One Hand and One Foot or Either Hand or Foot and Sight of One Eye: Principal Sum

Speech and Hearing in both Ears: Principal Sum

Speech or Hearing in both Ears: One-Half the Principal Sum

Either Hand or Foot or Sight of One Eye: One-Half the Principal Sum

Thumb and index finger of same hand: One-Quarter of the Principal Sum

The amount of the Principal Sum is $25,000 unless the Enhanced AD&D Benefit is purchased.

Exposure To The Elements Or Disappearance

Subject to all other terms and conditions of the Plan Document, We will:

1) Pay the applicable benefit under Benefits For Accidental Death And Dismemberment for a Plan Participant’s loss specified therein, which results from unavoidable exposure to the elements or disappearance due to:

a) The forced landing; stranding; sinking; or wrecking of a vehicle in which a Plan Participant was traveling; and

b) Such Occurrence occurs from an Accident for which the Plan Document provides coverage; or

2) Presume that a Plan Participant has died if:

a) A vehicle in which he is traveling disappears; sinks; is stranded; or is wrecked; as a result of an Accident for which the Plan Document provides coverage; and

b) His body is not found within one year of the Occurrence the of (2)(a) above.

Enhanced AD&D Benefit (If Benefit Purchased)

The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage. The Enhanced AD&D Benefit is not available to children under 18 years of age.

Designation Or Change Of Beneficiary

Each Plan Participant may designate a beneficiary to whom loss of life benefits are payable. The designation shall be as follows in descending order:

1) Beneficiaries designated in writing by the Plan Participant for the Plan Document on file with the Participation Organization, if any, otherwise;

2) Beneficiaries as designated in writing for any group life insurance plan or its renewals in force for the Participation Organization, if any, otherwise;

3) In equal shares to the members of the first surviving class of those that follow, if any:

a) a Plan Participant’s lawful spouse, if not legally separated or divorced, or Domestic Partner or Civil Union Partner;

b) a Plan Participant’s natural Child, adopted Child, foster Child, stepchild, or other Child for whom the Plan Participant has or had legal guardianship (proof will be required); or

c) a Plan Participant’s parents, whether natural, step or adoptive; or

d) a Plan Participant’s Sisters or Brothers, otherwise.

4) The estate of the Plan Participant.

Paralysis Benefit:

If the Accident or Injury renders an Plan Participant Paralyzed within 365 days of the date of the Injury, in any one of the types of paralysis specified below, The Company will pay up to a maximum of $25,000 as follows:

Type of Paralysis (Loss) Indemnity

Quadriplegia……………………………………………………….$25,000
Paraplegia…………………………………………………………….$18,750
Hemiplegia……………………………………………………………….$12,500
Uniplegia………………………………………………………………….$6,250

Quadriplegia means the complete and irreversible paralysis of both upper and both lower limbs.
Paraplegia means the complete and irreversible paralysis of both lower limbs.
Hemiplegia means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body.
Uniplegia means the complete and irreversible paralysis of one limb (Limb means entire arm or entire leg).

If the Plan Participant suffers more than one type of paralysis as a result of the same accident, only one amount, the largest, will be paid.

Coma Benefit:

If a covered Injury renders a Plan Participant Comatose within 90 days of the date of the accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, The Company will pay a monthly benefit of $250. No benefit is provided for the first 30 days of the Coma. The benefit is payable monthly as long as the Plan Participant remains Comatose due to that Injury, but ceases on the earliest of

1) the date the Plan Participant ceases to be Comatose due to the Injury;
2) the date the Plan Participant dies;
3) the date the total amount of monthly Coma Benefit paid for all Injuries caused by the same accident equals $25,000.

The Company will pay benefits calculated at a rate of 1/30 of the monthly benefit for each day for which The Company is liable when the Plan Participant is Comatose for less than a full month. Only one benefit is provided for any one month of Coma, regardless of the number of Injuries causing the Coma. The Company reserves the right, at the end of the first 30 consecutive days of Coma and as often as it may reasonably require thereafter, to determine on the basis of all the facts and circumstances, that the Plan Participant is Comatose, including but not limited to, requiring an independent medical examination provided at the Expense of The Company.

Seat Belt and Airbag Benefit:

We will pay benefits of $25,000 when the Plan Participant suffers Accidental Death or Dismemberment or Coma or Paralysis which benefits are payable and if the accident occurs while the Plan Participant is operating, or riding in a Private Passenger Car and: 1) The car is equipped with seat belts; (2) The seat belt was in actual use and properly fastened and properly installed by a factory authorized dealer (2) the Plan Participant was positioned in a seat protected by a properly functioning supplemental restraint system (airbags), properly installed by a factory authorized dealer that inflates on impact. Verification of the actual use of the seat belt at the time of the Accident, and that the supplemental restraint system inflated properly upon impact must be part of an official report of the accident or be certified in writing by the investigating officer(s). This benefit is in addition to any other benefit of the plan.

In the case of a child, seat belt means a child restraint device, approved by the National Highway Traffic Safety Administration, which is secured and being used as recommended by its manufacturer for children of like age and weight, at the time of the Accident. “Private Passenger Car” means a validly registered four-wheel private passenger car, station wagon, jeep, pick-up truck, and van-type car.

The Seat belt Benefit will not be paid for an Accident which occurs while the Plan Participant is participating in a race, speed or endurance test.

Felonious Assault Benefit:

We will pay benefits of $25,000 when the Plan Participant suffers from an Accidental Death or Dismemberment or Coma or Paralysis if the accident is a result of a Felonious Assault: 1) that is not a moving violation as defined under the applicable government motor vehicle laws; and 2) that is not an act of an Immediate Family Member, another Plan Participant or an individual who resides with the Plan Participant on a permanent basis. Only one benefit is payable for all losses as a result of the same Felonious Assault. This benefit is in addition to any other benefit of the program. “Felonious Assault” means: (1) An act of violence against the Plan Participant; or (2) An act which reasonably puts the Plan Participant in fear of physical violence to his person.

Home Alteration and Vehicle Modification:

We will pay benefits when the Plan Participant suffers an Accidental Death or Dismemberment or Coma or Paralysis which benefit are payable as a result of;

1) the Plan Participant did not, prior to the date of the Accident causing such loss(es), require the use of a wheelchair to be ambulatory; and

2) as a direct result of such loss(es) is now required to use a wheelchair to be ambulatory.

Covered Home Alteration And Vehicle Modification Expenses As used in this provision, means one-time Expenses that:

1) are charged for: (a) alterations to the Plan Participant’s residence that are necessary to make the residence accessible and habitable for a wheelchair-confined person; or (b) modifications to a motor vehicle owned or leased by the Plan Participant or modifications to a motor vehicle newly purchased for the Plan Participant that are necessary to make the vehicle accessible to and/or drivable by the Plan Participant; and

2) do not include charges that would not have been made if no insurance existed; and

3) do not exceed the usual level of charges for similar alterations and modifications in the locality where the Loss is incurred; but only if the alterations to the Plan Participant’s residence and the modifications to his or her motor vehicle are: 1) made on behalf of the Plan Participant; 2) recommended by a nationally-recognized organization providing support and assistance to wheelchair users; 3) carried out by individuals experienced in such alterations and modifications; and 4) in compliance with any applicable laws or requirements for approval by the appropriate government authorities.

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24

Diplomat LT excl US

$25,000 per person

Accidental Death and Dismemberment (AD&D)

If within 1 year after the date of the Accident or Injury , the Plan Participant’s Injury results in death or dismemberment, this Plan provides the following benefits for loss of:

Life: Principal Sum

Both Hands or Both Feet or Sight of Both Eyes or One Hand and One Foot or Either Hand or Foot and Sight of One Eye: Principal Sum

Speech and Hearing in both Ears: Principal Sum

Speech or Hearing in both Ears: One-Half the Principal Sum

Either Hand or Foot or Sight of One Eye: One-Half the Principal Sum

Thumb and index finger of same hand: One-Quarter of the Principal Sum

The amount of the Principal Sum is $25,000 unless the Enhanced AD&D Benefit is purchased.

Exposure To The Elements Or Disappearance

Subject to all other terms and conditions of the Plan Document, We will:

1) Pay the applicable benefit under Benefits For Accidental Death And Dismemberment for a Plan Participant’s loss specified therein, which results from unavoidable exposure to the elements or disappearance due to:

a) The forced landing; stranding; sinking; or wrecking of a vehicle in which a Plan Participant was traveling; and

b) Such Occurrence occurs from an Accident for which the Plan Document provides coverage; or

2) Presume that a Plan Participant has died if:

a) A vehicle in which he is traveling disappears; sinks; is stranded; or is wrecked; as a result of an Accident for which the Plan Document provides coverage; and

b) His body is not found within one year of the Occurrence the of (2)(a) above.

Enhanced AD&D Benefit (If Benefit Purchased):

The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage. The Enhanced AD&D Benefit is not available to children under 18 years of age.

Designation Or Change Of Beneficiary:

Each Plan Participant may designate a beneficiary to whom loss of life benefits are payable. The designation shall be as follows in descending order:

1) Beneficiaries designated in writing by the Plan Participant for the Plan Document on file with the Participation Organization, if any, otherwise;

2) Beneficiaries as designated in writing for any group life insurance plan or its renewals in force for the Participation Organization, if any, otherwise;

3) In equal shares to the members of the first surviving class of those that follow, if any:

a) a Plan Participant’s lawful spouse, if not legally separated or divorced, or Domestic Partner or Civil Union Partner;
b) a Plan Participant’s natural Child, adopted Child, foster Child, stepchild, or other Child for whom the Plan Participant has or had legal guardianship (proof will be required); or
c) a Plan Participant’s parents, whether natural, step or adoptive; or
d) a Plan Participant’s Sisters or Brothers, otherwise.

4) The estate of the Plan Participant.

Paralysis Benefit:

If the Accident or Injury renders an Plan Participant Paralyzed within 365 days of the date of the Injury, in any one of the types of paralysis specified below, The Company will pay up to a maximum of $25,000 as follows:

Type of Paralysis (Loss) Indemnity

Quadriplegia……………………………………………………….$25,000
Paraplegia…….………………….……………………………….…….…$18,750
Hemiplegia……………………………………………………………….$12,500
Uniplegia………………………………………………………………….$6,250

Quadriplegia means the complete and irreversible paralysis of both upper and both lower limbs.

Paraplegia means the complete and irreversible paralysis of both lower limbs.

Hemiplegia means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body.

Uniplegia means the complete and irreversible paralysis of one limb (Limb means entire arm or entire leg).

If the Plan Participant suffers more than one type of paralysis as a result of the same accident, only one amount, the largest, will be paid.

Coma Benefit:

If a covered Injury renders a Plan Participant Comatose within 90 days of the date of the accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, The Company will pay a monthly benefit of $250. No benefit is provided for the first 30 days of the Coma. The benefit is payable monthly as long as the Plan Participant remains Comatose due to that Injury, but ceases on the earliest of

1) the date the Plan Participant ceases to be Comatose due to the Injury;
2) the date the Plan Participant dies;
3) the date the total amount of monthly Coma Benefit paid for all Injuries caused by the same accident equals $25,000.

The Company will pay benefits calculated at a rate of 1/30 of the monthly benefit for each day for which The Company is liable when the Plan Participant is Comatose for less than a full month. Only one benefit is provided for any one month of Coma, regardless of the number of Injuries causing the Coma. The Company reserves the right, at the end of the first 30 consecutive days of Coma and as often as it may reasonably require thereafter, to determine on the basis of all the facts and circumstances, that the Plan Participant is Comatose, including but not limited to, requiring an independent medical examination provided at the Expense of The Company.

Seat Belt and Airbag Benefit:

We will pay benefits of $25,000 when the Plan Participant suffers Accidental Death or Dismemberment or Coma or Paralysis which benefits are payable and if the accident occurs while the Plan Participant is operating, or riding in a Private Passenger Car and: 1) The car is equipped with seat belts; (2) The seat belt was in actual use and properly fastened and properly installed by a factory authorized dealer (2) the Plan Participant was positioned in a seat protected by a properly functioning supplemental restraint system (airbags), properly installed by a factory authorized dealer that inflates on impact. Verification of the actual use of the seat belt at the time of the Accident, and that the supplemental restraint system inflated properly upon impact must be part of an official report of the accident or be certified in writing by the investigating officer(s). This benefit is in addition to any other benefit of the plan.

In the case of a child, seat belt means a child restraint device, approved by the National Highway Traffic Safety Administration, which is secured and being used as recommended by its manufacturer for children of like age and weight, at the time of the Accident.

“Private Passenger Car” means a validly registered four-wheel private passenger car, station wagon, jeep, pick-up truck, and van-type car.

The Seat belt Benefit will not be paid for an Accident which occurs while the Plan Participant is participating in a race, speed or endurance test.

Felonious Assault Benefit:

We will pay benefits of $25,000 when the Plan Participant suffers from an Accidental Death or Dismemberment or Coma or Paralysis if the accident is a result of a Felonious Assault:

1) that is not a moving violation as defined under the applicable government motor vehicle laws; and

2) that is not an act of an Immediate Family Member, another Plan Participant or an individual who resides with the Plan Participant on a permanent basis. Only one benefit is payable for all losses as a result of the same Felonious Assault.

This benefit is in addition to any other benefit of the program. “Felonious Assault” means: (1) An act of violence against the Plan Participant; or (2) An act which reasonably puts the Plan Participant in fear of physical violence to his person.

Home Alteration and Vehicle Modification:

We will pay benefits when the Plan Participant suffers an Accidental Death or Dismemberment or Coma or Paralysis which benefit are payable as a result of;

1) the Plan Participant did not, prior to the date of the Accident causing such loss(es), require the use of a wheelchair to be ambulatory; and

2) as a direct result of such loss(es) is now required to use a wheelchair to be ambulatory.

Covered Home Alteration And Vehicle Modification Expenses As used in this provision, means one-time Expenses that:

1) are charged for: (a) alterations to the Plan Participant’s residence that are necessary to make the residence accessible and habitable for a wheelchair-confined person; or (b) modifications to a motor vehicle owned or leased by the Plan Participant or modifications to a motor vehicle newly purchased for the Plan Participant that are necessary to make the vehicle accessible to and/or drivable by the Plan Participant; and

2) do not include charges that would not have been made if no insurance existed; and

3) do not exceed the usual level of charges for similar alterations and modifications in the locality where the Loss is incurred; but only if the alterations to the Plan Participant’s residence and the modifications to his or her motor vehicle are: 1) made on behalf of the Plan Participant; 2) recommended by a nationally-recognized organization providing support and assistance to wheelchair users; 3) carried out by individuals experienced in such alterations and modifications; and 4) in compliance with any applicable laws or requirements for approval by the appropriate government authorities.

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25

Diplomat LT incl US

$25,000 per person

Accidental Death and Dismemberment (AD&D)

If within 1 year after the date of the Accident or Injury , the Plan Participant’s Injury results in death or dismemberment, this Plan provides the following benefits for loss of:

Life: Principal Sum

Both Hands or Both Feet or Sight of Both Eyes or One Hand and One Foot or Either Hand or Foot and Sight of One Eye: Principal Sum

Speech and Hearing in both Ears: Principal Sum

Speech or Hearing in both Ears: One-Half the Principal Sum

Either Hand or Foot or Sight of One Eye: One-Half the Principal Sum

Thumb and index finger of same hand: One-Quarter of the Principal Sum

The amount of the Principal Sum is $25,000 unless the Enhanced AD&D Benefit is purchased.

Exposure To The Elements Or Disappearance

Subject to all other terms and conditions of the Plan Document, We will:

1) Pay the applicable benefit under Benefits For Accidental Death And Dismemberment for a Plan Participant’s loss specified therein, which results from unavoidable exposure to the elements or disappearance due to:

a) The forced landing; stranding; sinking; or wrecking of a vehicle in which a Plan Participant was traveling; and

b) Such Occurrence occurs from an Accident for which the Plan Document provides coverage; or

2) Presume that a Plan Participant has died if:

a) A vehicle in which he is traveling disappears; sinks; is stranded; or is wrecked; as a result of an Accident for which the Plan Document provides coverage; and

b) His body is not found within one year of the Occurrence the of (2)(a) above.

Enhanced AD&D Benefit (If Benefit Purchased):

The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage. The Enhanced AD&D Benefit is not available to children under 18 years of age.

Designation Or Change Of Beneficiary:

Each Plan Participant may designate a beneficiary to whom loss of life benefits are payable. The designation shall be as follows in descending order:

1) Beneficiaries designated in writing by the Plan Participant for the Plan Document on file with the Participation Organization, if any, otherwise;

2) Beneficiaries as designated in writing for any group life insurance plan or its renewals in force for the Participation Organization, if any, otherwise;

3) In equal shares to the members of the first surviving class of those that follow, if any:

a) a Plan Participant’s lawful spouse, if not legally separated or divorced, or Domestic Partner or Civil Union Partner;
b) a Plan Participant’s natural Child, adopted Child, foster Child, stepchild, or other Child for whom the Plan Participant has or had legal guardianship (proof will be required); or
c) a Plan Participant’s parents, whether natural, step or adoptive; or
d) a Plan Participant’s Sisters or Brothers, otherwise.

4) The estate of the Plan Participant.

Paralysis Benefit:

If the Accident or Injury renders an Plan Participant Paralyzed within 365 days of the date of the Injury, in any one of the types of paralysis specified below, The Company will pay up to a maximum of $25,000 as follows:

Type of Paralysis (Loss) Indemnity

Quadriplegia……………………………………………………….$25,000
Paraplegia…….………………….……………………………….…….…$18,750
Hemiplegia……………………………………………………………….$12,500
Uniplegia………………………………………………………………….$6,250

Quadriplegia means the complete and irreversible paralysis of both upper and both lower limbs.

Paraplegia means the complete and irreversible paralysis of both lower limbs.

Hemiplegia means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body.

Uniplegia means the complete and irreversible paralysis of one limb (Limb means entire arm or entire leg).

If the Plan Participant suffers more than one type of paralysis as a result of the same accident, only one amount, the largest, will be paid.

Coma Benefit:

If a covered Injury renders a Plan Participant Comatose within 90 days of the date of the accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, The Company will pay a monthly benefit of $250. No benefit is provided for the first 30 days of the Coma. The benefit is payable monthly as long as the Plan Participant remains Comatose due to that Injury, but ceases on the earliest of

1) the date the Plan Participant ceases to be Comatose due to the Injury;
2) the date the Plan Participant dies;
3) the date the total amount of monthly Coma Benefit paid for all Injuries caused by the same accident equals $25,000.

The Company will pay benefits calculated at a rate of 1/30 of the monthly benefit for each day for which The Company is liable when the Plan Participant is Comatose for less than a full month. Only one benefit is provided for any one month of Coma, regardless of the number of Injuries causing the Coma. The Company reserves the right, at the end of the first 30 consecutive days of Coma and as often as it may reasonably require thereafter, to determine on the basis of all the facts and circumstances, that the Plan Participant is Comatose, including but not limited to, requiring an independent medical examination provided at the Expense of The Company.

Seat Belt and Airbag Benefit:

We will pay benefits of $25,000 when the Plan Participant suffers Accidental Death or Dismemberment or Coma or Paralysis which benefits are payable and if the accident occurs while the Plan Participant is operating, or riding in a Private Passenger Car and: 1) The car is equipped with seat belts; (2) The seat belt was in actual use and properly fastened and properly installed by a factory authorized dealer (2) the Plan Participant was positioned in a seat protected by a properly functioning supplemental restraint system (airbags), properly installed by a factory authorized dealer that inflates on impact. Verification of the actual use of the seat belt at the time of the Accident, and that the supplemental restraint system inflated properly upon impact must be part of an official report of the accident or be certified in writing by the investigating officer(s). This benefit is in addition to any other benefit of the plan.

In the case of a child, seat belt means a child restraint device, approved by the National Highway Traffic Safety Administration, which is secured and being used as recommended by its manufacturer for children of like age and weight, at the time of the Accident.

“Private Passenger Car” means a validly registered four-wheel private passenger car, station wagon, jeep, pick-up truck, and van-type car.

The Seat belt Benefit will not be paid for an Accident which occurs while the Plan Participant is participating in a race, speed or endurance test.

Felonious Assault Benefit:

We will pay benefits of $25,000 when the Plan Participant suffers from an Accidental Death or Dismemberment or Coma or Paralysis if the accident is a result of a Felonious Assault:

1) that is not a moving violation as defined under the applicable government motor vehicle laws; and

2) that is not an act of an Immediate Family Member, another Plan Participant or an individual who resides with the Plan Participant on a permanent basis. Only one benefit is payable for all losses as a result of the same Felonious Assault.

This benefit is in addition to any other benefit of the program. “Felonious Assault” means: (1) An act of violence against the Plan Participant; or (2) An act which reasonably puts the Plan Participant in fear of physical violence to his person.

Home Alteration and Vehicle Modification:

We will pay benefits when the Plan Participant suffers an Accidental Death or Dismemberment or Coma or Paralysis which benefit are payable as a result of;

1) the Plan Participant did not, prior to the date of the Accident causing such loss(es), require the use of a wheelchair to be ambulatory; and

2) as a direct result of such loss(es) is now required to use a wheelchair to be ambulatory.

Covered Home Alteration And Vehicle Modification Expenses As used in this provision, means one-time Expenses that:

1) are charged for: (a) alterations to the Plan Participant’s residence that are necessary to make the residence accessible and habitable for a wheelchair-confined person; or (b) modifications to a motor vehicle owned or leased by the Plan Participant or modifications to a motor vehicle newly purchased for the Plan Participant that are necessary to make the vehicle accessible to and/or drivable by the Plan Participant; and

2) do not include charges that would not have been made if no insurance existed; and

3) do not exceed the usual level of charges for similar alterations and modifications in the locality where the Loss is incurred; but only if the alterations to the Plan Participant’s residence and the modifications to his or her motor vehicle are: 1) made on behalf of the Plan Participant; 2) recommended by a nationally-recognized organization providing support and assistance to wheelchair users; 3) carried out by individuals experienced in such alterations and modifications; and 4) in compliance with any applicable laws or requirements for approval by the appropriate government authorities.

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HTH Travel Insurance
HTH Travel Insurance
Policy Name and Summary of Coverage
26

TravelGap Voyager excl US

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Schedule of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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27

TripProtector Preferred

$50,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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28

TravelGap Excursion excl US

$50,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below.

The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Schedule of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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29

TripProtector Classic

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life 100%
Both hands or both feet 100%
Sight of both eyes 100%
One hand and one foot 100%
Either hand or foot and sight of one eye 100%
Either hand or foot 50%
Sight of one eye 50%
Speech and hearing in both ears 100%
Speech 50%
Hearing in both ears 50%

Thumb and index finger of same hand 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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iTravelInsured
iTravelInsured
Policy Name and Summary of Coverage
30

Travel SE

No coverage

There is no 24 Hour AD&D coverage with this plan.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
31

Essential

Optional coverage

ACCIDENTAL DEATH AND DISMEMBERMENTOPTIONAL UPGRADE

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty days (180) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. An Aggregate Limit of $15,000,000 is the maximum amount payable by the Company for all Losses sustained for all persons insured under the Policy that are caused by any one Accident that occurs while the Policy is in force. If this limit is not sufficient to pay the total of all such claims, then the amount the Company pays for the Loss of any one Insured will be the proportional share of this amount.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints;

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred-sixty five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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32

Prime

$50,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty days (180) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. An Aggregate Limit of $15,000,000 is the maximum amount payable by the Company for all Losses sustained for all persons insured under the Policy that are caused by any one Accident that occurs while the Policy is in force. If this limit is not sufficient to pay the total of all such claims, then the amount the Company pays for the Loss of any one Insured will be the proportional share of this amount.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints;

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred-sixty five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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Tin Leg
Tin Leg
Policy Name and Summary of Coverage
33

Luxury

No coverage

There is no 24 Hour AD&D coverage with this plan.

34

Adventure

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury.

The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while You are on the Trip and is covered under this Policy.

If more than one Loss is sustained by You as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Loss of % of Maximum Limit

Life ……………………………………………………………… 100%
Both Hands or Both Feet …………………………………….. 100%
Sight of Both Eyes……………………………………………… 100%
One Hand and One Foot………………………………………. 100%
Either Hand or Foot and Sight of One Eye…………………… 100%
Either Hand or Foot …………………………………………….. 50%
Sight of One Eye…………………………………………………. 50%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints;

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from You being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if Your body cannot be located one year after a disappearance due to an accident during the Trip.

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35

Gold

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay a percentage of the Principal Sum listed in the Schedule of Benefits when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table of Losses below. The loss must occur within 365 days after the date of the Accident causing the loss.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Life 100%
Both hands or both feet 100%
Sight of both eyes 100%
One hand and one foot 100%
Either hand or foot and sight of one eye 100%
Either hand or foot 50%
Sight of one eye 50%
Speech and hearing in both ears 100%
Speech 50%
Hearing in both ears 50%

Loss with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints;

b) eye means an entire and irrecoverable loss of sight; and

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular or cardiovascular Accident or event, myocardial infarction (heart attack), coronary thrombosis or aneurysm.

EXPOSURE: We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event that caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

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Travel Insured International
Travel Insured International
Policy Name and Summary of Coverage
36

Worldwide Trip Protector Plus

$10,000 per person

24-HOUR ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You, as a result of an Injury occurring during Your Trip other than while covered for Air Flight Only Benefits sustain a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Confirmation of Benefits.

Table of Losses

Loss of Life – 100%
Loss of both hands – 100%
Loss of both feet – 100%
Loss of both eyes – 100%
Loss of one hand and one foot – 100%
Loss of one hand and one eye – 100%
Loss of one foot and one eye – 100%
Loss of one hand – 50%
Loss of one foot – 50%
Loss of one eye – 50%
Loss of thumb and index finger of the same hand – 25%
Loss of Speech – 50%
Loss of Hearing Both Ears – 50%

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Loss of Speech means the loss of the ability to talk or speak as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of speech is permanent with no reasonable expectation of recovery.

Loss of Hearing means the total and complete loss of the ability to hear any sound as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of hearing is permanent with no reasonable expectation of recovery.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

The Principal Sum is shown in the Confirmation of Benefits.

EXPOSURE AND DISAPPEARANCE

We will pay benefits for covered losses that result from You being unavoidably exposed to the elements because of a Covered Accident occurring during Your Trip. The loss must occur within 365 days after the event that caused the exposure.

If, while insured under this Coverage M, You are in an Accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this Coverage, and if Your body has not been found within 52 weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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37

Worldwide Trip Protector

$10,000 per person

SECTION VII ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS
24 HOUR OTHER THAN AIR FLIGHT

We will pay the percentage of the Principal Sum indicated in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits when You, as a result of an Injury caused by an Accident occurring during Your Trip (other than while covered for air flight only benefits) sustained a Loss shown in the Table of Losses below.

Table of Loss

Life – 100%
Both Hands or Both Feet – 100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
Either Hand or Foot and Sight of One Eye – 100%
Either Hand or Foot – 50%
Sight of One Eye – 50%
Speech – 50%
Hearing in Both Ears – 50%
Thumb and Index Finger of Same Hand – 25%

The Loss must occur within 181 days of the date of the Accident, which caused Injury. The Accident must occur while You are on Your Trip and is covered under this policy.

If more than one Loss is sustained by You as a result of the same Accident, only one amount, the largest applicable to the Losses incurred, will be paid. We will not pay more than 100% of the Maximum Benefit Amount shown in the Scheduled of Benefits for all Losses due to the same Accident.

Loss with regard to:

a) hand(s), or foot/feet, means actual severance at or above a wrist joint proximal to the elbow or actual severance at or above the ankle proximal to the knee, respectively;
b) eye or eyes means total and irrecoverable Loss of entire sight thereof;
c) speech means entire and irrecoverable Loss of speech;
d) hearing means entire and irrecoverable Loss of hearing in both ears;
e) thumb and index finger means complete severance through or above the joint that meets the palm.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

EXPOSURE

We will pay for covered losses, as shown in the Table of Loss, which result from You being unavoidably exposed to the elements due to an Accident during Your Trip. The Loss must occur within 365 days after the event which caused the exposure.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

DISAPPEARANCE

We will pay for loss of life, as shown in the Table of Loss, if Your body cannot be located within 365 days after a disappearance due to an Accident during Your Trip.

Exposure and/or Disappearance Benefits are supplemental to benefits provided under Accidental Death and Dismemberment and Your Accidental Death and Dismemberment coverage may not exceed the Maximum Benefit Amount shown in the Schedule of Benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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Travelex Insurance Services
Travelex Insurance Services
Policy Name and Summary of Coverage
38

Travel Basic

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while the Insured is on the Trip and is covered under this Policy.

If more than one Loss is sustained by You as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Loss of % of Maximum Limit

Life…………………………………………………………………… 100%
Both Hands or Both Feet…………………………………….. 100%
Sight of Both Eyes……………………………………………….100%
One Hand and One Foot……………………………………… 100%
Either Hand or Foot and Sight of One Eye …………….. 100%
Either Hand or Foot……………………………………………. 50%
Sight of One Eye ………………………………………………… 50%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints;

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from You being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if Your body cannot be located one year after a disappearance due to an accident during the Trip.

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TravelSafe
TravelSafe
Policy Name and Summary of Coverage
39

Classic

$25,000 per person

24-HOUR ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You, as a result of an Injury occurring during Your Trip sustain a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Confirmation of Benefits.

Table of Losses

Loss of Life 100% of Principal Sum
Loss of both hands 100% of Principal Sum
Loss of both feet 100% of Principal Sum
Loss of both eyes 100% of Principal Sum
Loss of one hand and one foot 100% of Principal Sum
Loss of one hand and one eye 100% of Principal Sum
Loss of one foot and one eye 100% of Principal Sum
Loss of one hand 50% of Principal Sum
Loss of one foot 50% of Principal Sum
Loss of one eye 50% of Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

The Principal Sum is shown in the Confirmation of Benefits.

EXPOSURE AND DISAPPEARANCE

We will pay benefits for covered losses that result from Your being unavoidably exposed to the elements because of a Covered Accident occurring during Your Trip. The loss must occur within 365 days after the event that caused the exposure.

If, while insured under this Coverage, You are in an Accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this Coverage, and if Your body has not been found within 52 weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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40

Classic Plus

$25,000 per person

24-HOUR ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You, as a result of an Injury occurring during Your Trip sustain a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Confirmation of Benefits.

Table of Losses

Loss of Life 100% of Principal Sum
Loss of both hands 100% of Principal Sum
Loss of both feet 100% of Principal Sum
Loss of both eyes 100% of Principal Sum
Loss of one hand and one foot 100% of Principal Sum
Loss of one hand and one eye 100% of Principal Sum
Loss of one foot and one eye 100% of Principal Sum
Loss of one hand 50% of Principal Sum
Loss of one foot 50% of Principal Sum
Loss of one eye 50% of Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

The Principal Sum is shown in the Confirmation of Benefits.

EXPOSURE AND DISAPPEARANCE

We will pay benefits for covered losses that result from Your being unavoidably exposed to the elements because of a Covered Accident occurring during Your Trip. The loss must occur within 365 days after the event that caused the exposure.

If, while insured under this Coverage, You are in an Accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this Coverage, and if Your body has not been found within 52 weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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Trawick International
Trawick International
Policy Name and Summary of Coverage
41

Safe Travels International excl US

$25,000 per adult
$10,000 per child

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

Accidental Death and Dismemberment will apply to Covered Accidents incurred by a Covered Person. If Injury to the Covered Person results in any one of the losses shown below within 365 days from date of the Covered Accident, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident.

COVERED LOSS BENEFIT AMOUNT

Loss of Life – 100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye – 100% of Principal Sum
Quadriplegia – 100% of Principal Sum
Paraplegia – 75% of Principal Sum
Hemiplegia – 75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each) – 50% of Principal Sum
Uniplegia – 25% of Principal Sum
Loss of Thumb and Index Finger of the same hand – 25% of Principal Sum

Exposure and Disappearance Benefit – Benefits are payable if a Covered Person is exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which They were traveling. The Covered Person is presumed dead if They are in a vehicle that disappears, sinks or is stranded or wrecked and Their body is not found within six (6) months of the Covered Accident.

Accidental Death and Dismemberment Upgrade

Option 1 – Increase to $50,000 maximum AD&D benefit – All Ages
Option 2 – Increase to $100,000 maximum AD&D benefit Ages 19 to 79 only
Option 3 – Increase to $250,000 maximum AD&D benefit Ages 19 to 69 only
Option 4 – Increase to $500,000 maximum AD&D benefit Ages 19 to 69 only

FELONIOUS ASSAULT ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

We will pay the Benefit Amount for felonious assault, if Accidental Bodily Injury that results from felonious assault causes a Covered Person to suffer one of the losses shown below within 365 days from the felonious assault. The Benefit Amount for felonious assault is payable in addition to any other applicable Benefit Amounts under this policy.

Any assault by a family member is not covered under this benefit.

Loss of Life – 100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye – 100% of Principal Sum
Quadriplegia -100% of Principal Sum
Paraplegia – 75% of Principal Sum
Hemiplegia – 75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each) – 50% of Principal Sum
Uniplegia – 25% of Principal Sum
Loss of Thumb and Index Finger of the same hand – 25% of Principal Sum

HIJACKING AND AIR OR WATER PIRACY

Benefits are payable if a Covered Person suffers an Injury during 1. the hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.

COMA BENEFIT – $10,000

Benefits are payable if the Covered Person becomes comatose within 31 days of a Sickness or Injury and remain in a coma for at least 31 days.

SEATBELT AND AIRBAG ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) – 10% up to $50,000

Benefits are payable if a Covered Person dies or is dismembered directly and independently from Injuries sustained while wearing a seatbelt and operating or riding as a passenger in an Automobile.

ADAPTIVE HOME AND VEHICLE – $5,000

Benefits are payable if the Covered Person has an Injury which results in a Covered Loss under the Accidental Death and Dismemberment Benefit, We will pay an additional benefit equal to the least of the actual cost of the alterations for the one-time cost of alterations to the Covered Person’s principal residence and/or private Automobile to make the residence accessible and/or the private Automobile drivable or rideable.

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42

Safe Travels International Cost Saver excl US

$25,000 per adult
$10,000 per child

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

Accidental Death and Dismemberment will apply to Covered Accidents incurred by a Covered Person. If Injury to the Covered Person results in any one of the losses shown below within 365 days from date of the Covered Accident, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident.

COVERED LOSS BENEFIT AMOUNT

Loss of Life – 100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye – 100% of Principal Sum
Quadriplegia – 100% of Principal Sum
Paraplegia – 75% of Principal Sum
Hemiplegia – 75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each) – 50% of Principal Sum
Uniplegia – 25% of Principal Sum
Loss of Thumb and Index Finger of the same hand – 25% of Principal Sum

Exposure and Disappearance Benefit – Benefits are payable if a Covered Person is exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which They were traveling. The Covered Person is presumed dead if They are in a vehicle that disappears, sinks or is stranded or wrecked and Their body is not found within six (6) months of the Covered Accident.

OPTIONAL 24 HOUR Accidental Death and Dismemberment Upgrade – IF PURCHASED

Option 1 – Increase to $50,000 maximum AD&D benefit – All Ages
Option 2 – Increase to $100,000 maximum AD&D benefit Ages 19 to 79 only
Option 3 – Increase to $250,000 maximum AD&D benefit Ages 19 to 69 only
Option 4 – Increase to $500,000 maximum AD&D benefit Ages 19 to 69 only

HIJACKING AND AIR OR WATER PIRACY

Benefits are payable if a Covered Person suffers an Injury during 1. the hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.

COMA BENEFIT – $10,000

Benefits are payable if the Covered Person becomes comatose within 31 days of a Sickness or Injury and remain in a coma for at least 31 days.

SEATBELT AND AIRBAG ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) – 10% up to $50,000

Benefits are payable if a Covered Person dies or is dismembered directly and independently from Injuries sustained while wearing a seatbelt and operating or riding as a passenger in an Automobile.

ADAPTIVE HOME AND VEHICLE – $5,000

Benefits are payable if the Covered Person has an Injury which results in a Covered Loss under the Accidental Death and Dismemberment Benefit, We will pay an additional benefit equal to the least of the actual cost of the alterations for the one-time cost of alterations to the Covered Person’s principal residence and/or private Automobile to make the residence accessible and/or the private Automobile drivable or rideable.

FELONIOUS ASSAULT ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) – $50,000

We will pay the Benefit Amount for felonious assault, if Accidental Bodily Injury that results from felonious assault causes a Covered Person to suffer one of the losses shown below within 365 days from the felonious assault. The Benefit Amount for felonious assault is payable in addition to any other applicable Benefit Amounts under this policy.

Any assault by a family member is not covered under this benefit.

COVERED LOSS BENEFIT AMOUNT

Loss of Life – 100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye – 100% of Principal Sum
Quadriplegia – 100% of Principal Sum
Paraplegia – 75% of Principal Sum
Hemiplegia – 75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each) – 50% of Principal Sum
Uniplegia – 25% of Principal Sum
Loss of Thumb and Index Finger of the same hand – 25% of Principal Sum

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43

Safe Travels USA Cost Saver

$25,000 per adult
$10,000 per child

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

Accidental Death and Dismemberment will apply to Covered Accidents incurred by a Covered Person. If Injury to the Covered Person results in any one of the losses shown below within 365 days from date of the Covered Accident, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident.

COVERED LOSS BENEFIT AMOUNT

Loss of Life – 100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye – 100% of Principal Sum
Quadriplegia – 100% of Principal Sum
Paraplegia – 75% of Principal Sum
Hemiplegia – 75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each) – 50% of Principal Sum
Uniplegia – 25% of Principal Sum
Loss of Thumb and Index Finger of the same hand – 25% of Principal Sum

Exposure and Disappearance Benefit – Benefits are payable if a Covered Person is exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which They were traveling. The Covered Person is presumed dead if They are in a vehicle that disappears, sinks or is stranded or wrecked and Their body is not found within six (6) months of the Covered Accident.

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44

Safe Travels USA Comprehensive

$25,000 per adult
$10,000 per child

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

Accidental Death and Dismemberment will apply to Covered Accidents incurred by a Covered Person. If Injury to the Covered Person results in any one of the losses shown below within 365 days from date of the Covered Accident, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident.

COVERED LOSS BENEFIT AMOUNT

Loss of Life – 100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye – 100% of Principal Sum
Quadriplegia – 100% of Principal Sum
Paraplegia – 75% of Principal Sum
Hemiplegia – 75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each) – 50% of Principal Sum
Uniplegia – 25% of Principal Sum
Loss of Thumb and Index Finger of the same hand – 25% of Principal Sum

Exposure and Disappearance Benefit – Benefits are payable if a Covered Person is exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which They were traveling. The Covered Person is presumed dead if They are in a vehicle that disappears, sinks or is stranded or wrecked and Their body is not found within six (6) months of the Covered Accident.

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45

Safe Travels Single Trip

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below.

The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Schedule of Benefits.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and
2. eye means an entire and irrecoverable Loss of sight;
3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
4. thumb and index finger mean actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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46

Safe Travels First Class

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Schedule of Benefits.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints;

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred-sixty five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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47

Safe Travels Outbound excl US

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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48

Safe Travels Outbound Cost Saver excl US

$10,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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49

Safe Travels Annual Executive

$25,000 per trip

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You or a Traveling Companion, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five days (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints;

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You or a Traveling Companion being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body or a Traveling Companion’s body cannot be located within three hundred sixty-five (365) days after Your or the Traveling Companion’s disappearance due to an Accident.

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50

Safe Travels Annual Deluxe

$25,000 per trip

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You or a Traveling Companion, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five days (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints;

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You or a Traveling Companion being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body or a Traveling Companion’s body cannot be located within three hundred sixty-five (365) days after Your or the Traveling Companion’s disappearance due to an Accident.

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51

Safe Travels Annual Basic

$10,000 per trip

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You or a Traveling Companion, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within three hundred sixty-five days (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints;

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You or a Traveling Companion being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body or a Traveling Companion’s body cannot be located within three hundred sixty-five (365) days after Your or the Traveling Companion’s disappearance due to an Accident.

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52

Safe Travels Journey

Optional coverage

OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT

If You purchase this optional benefit, the following coverage is available to You. The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Schedule of Benefits.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and
2. eye means an entire and irrecoverable Loss of sight;
3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
4. thumb and index finger mean actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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53

Safe Travels Voyager

$25,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Schedule of Benefits.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger mean actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to an Accident.

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USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
54

Ruby

$15,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay a percentage of the Principal Sum listed in the Schedule of Benefits when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table of Losses below. The loss must occur within 365 days after the date of the Accident causing the loss.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%

Loss with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints;

b) eye means an entire and irrecoverable loss of sight; and

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis or aneurysm.

EXPOSURE: We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event that caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

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55

Diamond

$50,000 per person

ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay a percentage of the Principal Sum listed in the Schedule of Benefits when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table of Losses below. The loss must occur within 365 days after the date of the Accident causing the loss.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

TABLE OF LOSSES

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%

Loss with regard to:

a) hand or foot, means actual complete severance through and above the wrist or ankle joints;

b) eye means an entire and irrecoverable loss of sight; and

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

No benefit is payable for loss resulting from or due to stroke, cerebral vascular or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis or aneurysm.

EXPOSURE: We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event that caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

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WorldTrips
WorldTrips
Policy Name and Summary of Coverage
56

Atlas International excl US

$25,000 per adult
$5,000 per child

ACCIDENTAL DEATH AND DISMEMBERMENT
(excludes loss due to Common Carrier Accident)

Ages 18 through 69
Lifetime Maximum – $25,000
Death – $25,000
Loss of 2 Limbs – $25,000
Loss of 1 Limb – $12,500

Under age 18
Lifetime Maximum – $5,000
Death – $5,000
Loss of 2 Limbs – $5,000
Loss of 1 Limb – $2,500

Ages 70 through 74
Lifetime Maximum – $12,500
Death – $12,500
Loss of 2 Limbs – $12,500
Loss of 1 Limb – $6,250

Ages 75 and older
Lifetime Maximum – $6,250
Death – $6,250
Loss of 2 Limbs – $6,250
Loss of 1 Limb – $3,125

YOU ARE COVERED:

1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary; or

2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits; or

3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and

2. The accident giving rise to the accidental death must not be a common carrier accident; and

3. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

YOU ARE NOT COVERED IF:

1. Accidents or loss caused by or contributed to by any of the following:

a. Terrorism, war or act of war, whether declared or undeclared;

b. Your participation in a riot, insurrection or violent disorder;

c. Your service in the armed forces of any country;

d. Suicide or attempted suicide or self-inflicted injury, while sane or insane;

e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician;

f. Committing or attempting to commit a felony;

g. Sickness, mental health disorder, or pregnancy;

h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly;

i. Myocardial infarction or cerebrovascular accident (CVA / Stroke);

j. Infection, except infection through a wound caused solely by an accident;

k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation;

l. Medical or surgical treatment for any of the above; or

m.Any non-covered sports activities.

2. Expenses arise directly or indirectly from anything in the General Exclusions.

In no event will our payment under this benefit total more than the principal sum. The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.

Optional Accidental Death & Dismemberment Rider

(only available to members age 18 through age 69)

Lifetime Maximum – $25,000
Death – $25,000
Loss of 2 Limbs – $25,000
Loss of 1 Limb – $12,500

- not subject to deductible or overall maximum limit

Subject to the Limits set in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy, we will pay the following Optional Accidental Death and Dismemberment benefit if elected by you and subject to the payment of premium and restrictions outlined below.

Optional Accidental Death is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in your physical injury and subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Optional Accidental Dismemberment is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease.

For purposes of the Accidental Death and Dismemberment benefit provided by this insurance, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle.

Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

YOU ARE COVERED:

1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary.
2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits.
3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. You must be at least age 18 and younger than age 70; and
2. The accident giving rise to the Optional Accidental Death or Dismemberment must be covered under this insurance; and
3. The accident giving rise to the accidental death must not be a common carrier accident; and
4. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

YOU ARE NOT COVERED IF:

1. Accidents or loss caused by or contributed to by any of the following:

a. Terrorism, war or act of war, whether declared or undeclared.
b. Your participation in a riot, insurrection or violent disorder.
c. Your service in the armed forces of any country.
d. Suicide or attempted suicide or self-inflicted injury, while sane or insane.
e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician.
f. Committing or attempting to commit a felony.
g. Sickness, mental health disorder, or pregnancy.
h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly,
i. Myocardial infarction or cerebrovascular accident (CVA / Stroke).
j. Infection, except infection through a wound caused solely by an accident.
k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation.
l. Medical or surgical treatment for any of the above.
m.Any non-covered sports activities.

2. Expenses arise directly or indirectly from anything in the General Exclusions.

In no event will our payment under this benefit total more than the principal sum.

All other provisions of the Master Policy remain unchanged.

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57

Atlas America incl US

$25,000 per adult
$5,000 per child

ACCIDENTAL DEATH AND DISMEMBERMENT
(excludes loss due to Common Carrier Accident)

Ages 18 through 69
Lifetime Maximum – $25,000
Death – $25,000
Loss of 2 Limbs – $25,000
Loss of 1 Limb – $12,500

Under age 18
Lifetime Maximum – $5,000
Death – $5,000
Loss of 2 Limbs – $5,000
Loss of 1 Limb – $2,500

Ages 70 through 74
Lifetime Maximum – $12,500
Death – $12,500
Loss of 2 Limbs – $12,500
Loss of 1 Limb – $6,250

Ages 75 and older
Lifetime Maximum – $6,250
Death – $6,250
Loss of 2 Limbs – $6,250
Loss of 1 Limb – $3,125

YOU ARE COVERED:

1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary; or

2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits; or

3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and

2. The accident giving rise to the accidental death must not be a common carrier accident; and

3. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

YOU ARE NOT COVERED IF:

1. Accidents or loss caused by or contributed to by any of the following:

a. Terrorism, war or act of war, whether declared or undeclared;

b. Your participation in a riot, insurrection or violent disorder;

c. Your service in the armed forces of any country;

d. Suicide or attempted suicide or self-inflicted injury, while sane or insane;

e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician;

f. Committing or attempting to commit a felony;

g. Sickness, mental health disorder, or pregnancy;

h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly;

i. Myocardial infarction or cerebrovascular accident (CVA / Stroke);

j. Infection, except infection through a wound caused solely by an accident;

k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation;

l. Medical or surgical treatment for any of the above; or

m.Any non-covered sports activities.

2. Expenses arise directly or indirectly from anything in the General Exclusions.

In no event will our payment under this benefit total more than the principal sum. The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.

Optional Accidental Death & Dismemberment Rider

(only available to members age 18 through age 69)

Lifetime Maximum – $25,000
Death – $25,000
Loss of 2 Limbs – $25,000
Loss of 1 Limb – $12,500

- not subject to deductible or overall maximum limit

Subject to the Limits set in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy, we will pay the following Optional Accidental Death and Dismemberment benefit if elected by you and subject to the payment of premium and restrictions outlined below.

Optional Accidental Death is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in your physical injury and subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Optional Accidental Dismemberment is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease.

For purposes of the Accidental Death and Dismemberment benefit provided by this insurance, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle.

Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

YOU ARE COVERED:

1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary.
2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits.
3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. You must be at least age 18 and younger than age 70; and
2. The accident giving rise to the Optional Accidental Death or Dismemberment must be covered under this insurance; and
3. The accident giving rise to the accidental death must not be a common carrier accident; and
4. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

YOU ARE NOT COVERED IF:

1. Accidents or loss caused by or contributed to by any of the following:

a. Terrorism, war or act of war, whether declared or undeclared.
b. Your participation in a riot, insurrection or violent disorder.
c. Your service in the armed forces of any country.
d. Suicide or attempted suicide or self-inflicted injury, while sane or insane.
e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician.
f. Committing or attempting to commit a felony.
g. Sickness, mental health disorder, or pregnancy.
h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly,
i. Myocardial infarction or cerebrovascular accident (CVA / Stroke).
j. Infection, except infection through a wound caused solely by an accident.
k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation.
l. Medical or surgical treatment for any of the above.
m.Any non-covered sports activities.

2. Expenses arise directly or indirectly from anything in the General Exclusions.

In no event will our payment under this benefit total more than the principal sum.

All other provisions of the Master Policy remain unchanged.

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58

Atlas Premium International excl US

$100,000 per adult
$5,000 per child

ACCIDENTAL DEATH AND DISMEMBERMENT

(excludes loss due to Common Carrier Accident)

Ages 18 through 69
Lifetime Maximum – $100,000
Death – $100,000
Loss of 2 Limbs – $100,000
Loss of 1 Limb – $50,000

Under age 18
Lifetime Maximum – $5,000
Death – $5,000
Loss of 2 Limbs – $5,000
Loss of 1 Limb – $2,500

Ages 70 through 74
Lifetime Maximum – $12,500
Death – $12,500
Loss of 2 Limbs – $12,500
Loss of 1 Limb – $6,250

Ages 75 and older
Lifetime Maximum – $6,250
Death – $6,250
Loss of 2 Limbs – $6,250
Loss of 1 Limb – $3,125

$250,000 maximum benefit any one family or group. – not subject to deductible or overall maximum limit.

YOU ARE COVERED:

1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary: or

2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits: or

3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and

2. The accident giving rise to the accidental death must not be a common carrier accident; and

3. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

YOU ARE NOT COVERED IF:

1. Accidents or loss caused by or contributed to by any of the following:

a. Terrorism, war or act of war, whether declared or undeclared:
b. Your participation in a riot, insurrection or violent disorder:
c. Your service in the armed forces of any country:
d. Suicide or attempted suicide or self-inflicted injury, while sane or insane:
e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician:
f. Committing or attempting to commit a felony:
g. Sickness, mental health disorder, or pregnancy:
h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly:
i. Myocardial infarction or cerebrovascular accident (CVA / Stroke):
j. Infection, except infection through a wound caused solely by an accident:
k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation:
l. Medical or surgical treatment for any of the above: or
m.Any non-covered sports activities.

2. Expenses arise directly or indirectly from anything in the General Exclusions.

In no event will our payment under this benefit total more than the principal sum. The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.

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59

Atlas Premium America incl US

$100,000 per adult
$5,000 per child

ACCIDENTAL DEATH AND DISMEMBERMENT

(excludes loss due to Common Carrier Accident)

Ages 18 through 69
Lifetime Maximum – $100,000
Death – $100,000
Loss of 2 Limbs – $100,000
Loss of 1 Limb – $50,000

Under age 18
Lifetime Maximum – $5,000
Death – $5,000
Loss of 2 Limbs – $5,000
Loss of 1 Limb – $2,500

Ages 70 through 74
Lifetime Maximum – $12,500
Death – $12,500
Loss of 2 Limbs – $12,500
Loss of 1 Limb – $6,250

Ages 75 and older
Lifetime Maximum – $6,250
Death – $6,250
Loss of 2 Limbs – $6,250
Loss of 1 Limb – $3,125

$250,000 maximum benefit any one family or group. – not subject to deductible or overall maximum limit.

YOU ARE COVERED:

1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary: or

2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits: or

3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and

2. The accident giving rise to the accidental death must not be a common carrier accident; and

3. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

YOU ARE NOT COVERED IF:

1. Accidents or loss caused by or contributed to by any of the following:

a. Terrorism, war or act of war, whether declared or undeclared:
b. Your participation in a riot, insurrection or violent disorder:
c. Your service in the armed forces of any country:
d. Suicide or attempted suicide or self-inflicted injury, while sane or insane:
e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician:
f. Committing or attempting to commit a felony:
g. Sickness, mental health disorder, or pregnancy:
h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly:
i. Myocardial infarction or cerebrovascular accident (CVA / Stroke):
j. Infection, except infection through a wound caused solely by an accident:
k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation:
l. Medical or surgical treatment for any of the above: or
m.Any non-covered sports activities.

2. Expenses arise directly or indirectly from anything in the General Exclusions.

In no event will our payment under this benefit total more than the principal sum. The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.

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