The table below shows you at a glance which company provides the most comprehensive coverage for the 24 Hour AD&D element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

View full coverage summary for 24 Hour AD&D for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of: Percentage of Principal Sum:
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 Either hand or foot 50%
Sight of one eye 50%
Speech and hearing in both ears Speech 100%
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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

5

VIP Plan
APRIL Travel Protection

24 Hour AD&D Benefits
$50,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of: Percentage of Principal Sum:
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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

6

Trip Cancellation Plan
APRIL Travel Protection

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

7

Multi-Trip Plan Universal
APRIL Travel Protection

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of: Percentage of Principal Sum:
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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

8

Multi-Trip Plan Elite
APRIL Travel Protection

24 Hour AD&D Benefits
$50,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of: Percentage of Principal Sum:
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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

9

Choice
APRIL Travel Protection

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of: Percentage of Principal Sum:
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:

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;

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

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of: Percentage of Principal Sum:
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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

11

Gold
AXA Assistance USA

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of: Percentage of Principal Sum:
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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

12

Platinum
AXA Assistance USA

24 Hour AD&D Benefits
$50,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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%
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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

24 Hour AD&D Benefits
$30,000 per adult $6,000 per child

Quote

Full Policy Wording

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)

14

Beacon International excl US
Azimuth Risk Solutions, LLC

24 Hour AD&D Benefits
$30,000 per adult $6,000 per child

Quote

Full Policy Wording

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)

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will reimburse the Insured for this benefit for one of the Losses shown in the Table of Losses below if the Insured is 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 or Declarations Page. 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 an Insured 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 an Insured 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 the Insured’s body cannot be located one year after a disappearance due to an accident during the Trip.

CSA Travel Protection
CSA Travel Protection

16

Custom
CSA Travel Protection

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

GeoBlue
GeoBlue

17

Voyager Choice
GeoBlue

24 Hour AD&D Benefits
$50,000 per person

Quote

Full Policy Wording

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 within 365 days after the date the Injury is sustained:

Loss Benefit
Loss of life 100% of the Principal Sum
Loss of one hand 50% of the Principal Sum
Loss of one foot 50% of the Principal Sum
Loss of sight in one eye 50% of the Principal Sum

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.

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

18

Voyager Essential
GeoBlue

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

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 within 365 days after the date the Injury is sustained:

Loss Benefit
Loss of life 100% of the Principal Sum
Loss of one hand 50% of the Principal Sum
Loss of one foot 50% of the Principal Sum
Loss of sight in one eye 50% of the Principal Sum

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.

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

19

Trekker Choice excl US
GeoBlue

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

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 within 365 days after the date the Injury is sustained:

Loss Benefit
Loss of life 100% of the Principal Sum
Loss of one hand 50% of the Principal Sum
Loss of one foot 50% of the Principal Sum
Loss of sight in one eye 50% of the Principal Sum

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.

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

20

Trekker Essential excl US
GeoBlue

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

Global Alert
Global Alert

21

Essentials
Global Alert

24 Hour AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

This coverage is Optional and must be shown on Your Confirmation of Benefits.

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of – Percentage of Principal Sum

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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

22

Preferred
Global Alert

24 Hour AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

This coverage is Optional and must be shown on Your Confirmation of Benefits.

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of – Percentage of Principal Sum

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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

23

Preferred Plus
Global Alert

24 Hour AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

This coverage is Optional and must be shown on Your Confirmation of Benefits.

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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

Loss of – Percentage of Principal Sum

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; or

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

HCC Medical Insurance Services
HCC Medical Insurance Services

24

Atlas International excl US
HCC Medical Insurance Services

24 Hour AD&D Benefits
$50,000 per adult $5,000 per child

Quote

Full Policy Wording

ELIGIBLE EXPENSESACCIDENTAL DEATH AND DISMEMBERMENT

1. Death – Underwriters will pay the amount indicated in the Schedule of Benefits, to the Beneficiary

2. Loss of 2 or more Limbs or eyes – Underwriters will pay the amount indicated in the Schedule of Benefits, to the Member

3. Loss of 1 Limb or eye – Underwriters will pay one-half of the amount indicated in the Schedule of Benefits, to the Member

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy and the following are met:

a. The Accident giving rise to the Accidental Death must not be a Common Carrier Accident; and

b) Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by Illness or disease; and

c. In no event will Underwriters’ payment under this benefit total more than the Principal Sum; and

d. The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.

OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT RIDER

Subject to the Limits set forth below and subject to the Conditions and Restrictions contained in this policy, Underwriters will pay the following Optional Accidental Death and Dismemberment benefit if elected by the Member and subject to the payment of premium and age restrictions outlined below:

Optional Accidental Death is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical Injury to the Member and subsequently death of the Member. 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.

1) Underwriters will pay the Principal Sum of $50,000, $150,000, $450,000, or $950,000 as selected by the Member for the Member’s Accidental Death.

2) Optional Accidental Dismemberment

a. Loss of 2 or more Limbs or eyes – Underwriters will pay the Principal Sum, as indicated in item 1 of this section, to the Member.

b) Loss of 1 Limb or eye – Underwriters will pay one-half of the Principal Sum, as indicated in item 1 of this section, to the Member.

Conditions and Restrictions:

a) The Member must be age 18 and younger than age 70; and

b) Member must be in compliance with all conditions and provisions of this insurance; and

c) The Accident giving rise to the Optional Accidental Death or Dismemberment must be covered under this insurance; and

d) The Accident giving rise to the Optional Accidental Death must not be a Common Carrier Accident; and

e) In no event will Underwriters’ payment under this benefit total more than the Principal Sum.

f) Optional Accidental Death and Dismemberment Insurance benefits under this provision are not payable if the loss is caused or contributed to by any activity listed under Exclusion 55 of this Master Policy.

All other provisions of the Master Policy remain unchanged.

HTH Travel Insurance
HTH Travel Insurance

25

TravelGap Voyager excl US
HTH Travel Insurance

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

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 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
Loss of: Percentage of Principal Sum:
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;

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.

26

TripProtector Preferred
HTH Travel Insurance

24 Hour AD&D Benefits
$50,000 per person

Quote

Full Policy Wording

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 toan 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.

27

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

28

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

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 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.

Loss of: Percentage of Principal Sum:

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;

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.

29

TravelGap Excursion excl US
HTH Travel Insurance

24 Hour AD&D Benefits
$50,000 per person

Quote

Full Policy Wording

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 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
Loss of – Percentage of Principal Sum
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;

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.

30

TripProtector Economy
HTH Travel Insurance

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

31

TripProtector Classic
HTH Travel Insurance

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

iTravelInsured
iTravelInsured

32

Travel Lite
iTravelInsured

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

33

Travel SE
iTravelInsured

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

34

Travel SE
iTravelInsured

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

35

Travel LX
iTravelInsured

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

36

Travel LX
iTravelInsured

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.

37

Bronze
John Hancock Insurance Agency, Inc.

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

38

Silver
John Hancock Insurance Agency, Inc.

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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.

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 – 100%
Eye 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;

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

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

39

Gold
John Hancock Insurance Agency, Inc.

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

We 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 Covered Trip, sustain a loss shown in the Table below. The loss must occur within 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.

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;

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

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

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 which result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which 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.

MedjetAssist
MedjetAssist

40

Annual Membership
MedjetAssist

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

41

MedjetAssist Extended Stay
MedjetAssist

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

42

MedjetAssist Short Term Plan
MedjetAssist

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

43

Asset Plus
MH Ross Travel Insurance Services

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

24-HOUR 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 three hundred sixty five (365) days after the date of the Injury causing the Loss.

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.

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 180 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 180 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

44

Bridge
MH Ross Travel Insurance Services

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

24-HOUR 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 three hundred sixty five (365) days after the date of the Injury causing the Loss.

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.

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 180 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 180 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

45

Complete
MH Ross Travel Insurance Services

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

24-HOUR 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 three hundred sixty five (365) days after the date of the Injury causing the Loss.

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.

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 180 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 180 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

46

Asset
MH Ross Travel Insurance Services

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

24-HOUR 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 three hundred sixty five (365) 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 180 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 180 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

RoamRight
RoamRight

47

Essential
RoamRight

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

48

Essential
RoamRight

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

49

Preferred
RoamRight

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the maximum limit 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 180 days after the date of the Accident causing the Loss.

The Maximum Limit is shown on Your Confirmation 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

Loss of: Percentage 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%
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 which result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

50

Preferred
RoamRight

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

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.

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.

51

Elite
RoamRight

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the maximum limit 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 180 days after the date of the Accident causing the Loss. The Maximum Limit is shown on Your Confirmation 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.

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER (AIR ONLY)

The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within 180 days after the date of the Accident causing the Loss. The Principal Sum is shown Your Confirmation of Benefits. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

TABLE OF LOSSES

Loss of: Percentage 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%
Speech and hearing in both ears 50%
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 which result from You being unavoidably exposed to the elements due to an Accident or due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year after Your disappearance due to an Accident or due to forced landing, stranding, sinking, or wrecking of an air conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

52

Elite
RoamRight

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

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.

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.

53

Active
RoamRight

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the maximum limit 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 180 days after the date of the Accident causing the Loss.

The Maximum Limit is shown on Your Confirmation 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

Loss of: Percentage 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%
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 which result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

54

Active
RoamRight

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

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.

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.

55

Adventure
RoamRight

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the maximum limit 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 180 days after the date of the Accident causing the Loss. The Maximum Limit is shown on Your Confirmation 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

Loss of: Percentage 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%
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 which result from You being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

56

Adventure
RoamRight

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

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.

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.

57

Multi-Trip
RoamRight

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

58

Multi-Trip Medical excl US
RoamRight

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

59

Medical excl US
RoamRight

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

Accidental Death and Dismemberment Insurance is afforded to You which shall apply only to Injury, as defined in Definitions section, sustained by You during the course of coverage. Such Insurance includes such Injury which occurs during the course of time You are covered under the policy.

The Company shall pay an indemnity determined from the Table of Losses, if You sustain a Loss stated therein resulting from Injury, provided that:
1) such Loss occurs within 365 days after the date of Accident causing such Loss; and
2) the indemnity payable for any such Loss shall be the Principal Sum stated in Your Schedule of Coverage and Service, Accidental Death and Dismemberment, Principal Sum, as applicable to You and this Insurance; and
3) if more than one Loss stated in said Table is sustained as the result of one Accident, only one of the amounts so stated in said Table, the largest, shall be payable.

Table of Losses

Loss of: Percentage of Maximum Limit Per Person Per Trip
Life 100%
Both Hands or Both Feet or Sight of Both Eyes or Speech and Hearing in Both Ears 100%
One Hand and One Foot 100%
Either Hand or Foot and Sight of One Eye 100%
Either Hand or Foot or Sight of One Eye 50%
Speech or Hearing in Both Ears 50%
Thumb and Index Finger of Same Hand 25%

Exposure: If by reason of an Accident covered by the policy You are unavoidably exposed to the elements and as a result of such exposure suffers a Loss for which the Maximum Limit is otherwise payable hereunder such Loss will be covered under the terms of the policy.

Disappearance: If Your body has not been found within one year of the disappearance then it shall be deemed, subject to all other terms and provisions of the policy, that You shall have suffered Loss of life within the meaning of the policy.

Beneficiary Designation and Change: Your beneficiary or beneficiaries shall be that person or those persons designated by You and filed with the Company. If You have not made an irrevocable designation of beneficiary may designate a new beneficiary at any time, without the consent of the beneficiary, by filing with the Company a written request for such change but such change shall become effective only upon receipt of such request at the office of the Company. When such request is received by the Company, whether You be then living or not, the change of beneficiary shall relate back to and take effect as of the date of execution of the written request, but without prejudice to the Company on account of any payment theretofore made by it.

60

Evacuation
RoamRight

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

Seven Corners Inc
Seven Corners Inc

61

RoundTrip
Seven Corners Inc

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH & 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 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on the Confirmation of Coverage. The Maximum Benefits for any one single Accident is limited to $15,000,000 for all persons insured under the Policy. 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 Your being unavoidably exposed to the elements due to an Accident. The Loss must occur within 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 one (1) year after Your disappearance due to an Accident.

62

RoundTrip Choice
Seven Corners Inc

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH & 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 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on the Confirmation of Coverage. The Maximum Benefits for any one single Accident is limited to $15,000,000 for all persons insured under the Policy. 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 Your being unavoidably exposed to the elements due to an Accident. The Loss must occur within 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 one (1) year after Your disappearance due to an Accident.

63

Liaison Continent excl US
Seven Corners Inc

24 Hour AD&D Benefits
$50,000 per adult $5,000 per child

Quote

Full Policy Wording

Accidental Death & Dismemberment (AD&D): The Company shall pay an indemnity determined from the Table if an Insured Person sustains a Loss stated therein resulting from Injury and subject to the limitations contained in EXCLUSIONS AND LIMITATIONS, provided that: a) such Loss occurs within 365 days after the date of Accident causing such Loss; and b) the indemnity payable for any such Loss shall be the Principal Sum stated on the ID Card, as applicable to such Insured Person and this Insurance; and c) if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, shall be payable.

For Loss of: Insured or Spouse Each Child
Loss of Life Principal Sum $5,000
Loss of two Members Principal Sum $5,000
Loss of one Member 50% of Principal Sum $2,500
Quadriplegia Principal Sum $5,000 (total paralysis of both upper and lower limbs)
Paraplegia 75% of the Principal Sum $3,750 (total paralysis of both lower limbs)
Hemiplegia 50% the Principal Sum $2,500 (total paralysis of both upper and lower limbs of 1 side of the body)
Uniplegia 25% of the Principal Sum $1,250 (total paralysis of one limb)

The term “Principal Sum” as used herein shall mean the amount stated on the ID Card.
In the event of a Common Carrier Accidental Death, benefits will be paid once at the higher amount as specified in the SCHEDULE OF BENEFITS for Common Carrier Accidental Death, and benefits will not be paid for Accidental Death & Dismemberment.

Common Carrier Accidental Death: Benefits will be paid to You as per the SCHEDULE OF BENEFITS if You sustain an Accidental Death. Death must occur during the Period of Coverage while the Insured Person is riding as a passenger (but not a pilot, operator or member of the crew) in or on a Common Carrier.

64

Liaison Majestic excl US
Seven Corners Inc

24 Hour AD&D Benefits
$25,000 per adult $5,000 per child

Quote

Full Policy Wording

Accidental Death & Dismemberment (AD&D): The Company shall pay an indemnity determined from the Table if an Insured Person sustains a Loss stated therein resulting from Injury and subject to the limitations contained in EXCLUSIONS AND LIMITATIONS, provided that: a) such Loss occurs within 365 days after the date of Accident causing such Loss; and b) the indemnity payable for any such Loss shall be the Principal Sum stated on the ID Card, as applicable to such Insured Person and this Insurance; and c) if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, shall be payable.

For Loss of: Insured or Spouse Each Child
Loss of Life Principal Sum $5,000
Loss of two Members Principal Sum $5,000
Loss of one Member 50% of Principal Sum $2,500
Quadriplegia Principal Sum $5,000 (total paralysis of both upper and lower limbs)
Paraplegia 75% of the Principal Sum $3,750 (total paralysis of both lower limbs)
Hemiplegia 50% the Principal Sum $2,500 (total paralysis of both upper & lower limbs of one side of the body)
Uniplegia 25% of the Principal Sum $1,250 (total paralysis of one limb)

The term “Principal Sum” as used herein shall mean the amount stated on the ID Card. “Member” means hand, foot or eye. Only one amount, the largest to which you are entitled is payable for all losses resulting from one accident. In the event of a Common Carrier Accidental Death benefits will be paid once at the higher amount as specified in the SCHEDULE OF BENEFITS for Common Carrier Accidental Death.

Common Carrier Accidental Death: Benefits will be paid to you as per the SCHEDULE OF BENEFITS if you sustain an Accidental Death. Death must occur during the Period of Coverage while the Insured Person is riding as a passenger (but not a pilot, operator or member of the crew) in or on a Common Carrier.

65

Liaison International excl US
Seven Corners Inc

24 Hour AD&D Benefits
$25,000 per adult $5,000 per child

Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT:

If, within 364 days from the date of an Accidental Injury covered by the Policy that occurs during the Plan Participant’s Coverage Period, the Plan Participant suffers from a loss listed below, We will pay the percentage of the Principal Sum set opposite the loss in the table. If the Plan Participant sustains more than one such loss as the result of one Accident, We will pay only one amount, the largest to which he is entitled. This amount will not exceed the Principal Sum which applies for the Plan Participant. The Principal Sum is the Maximum Benefit Amount shown in Schedule of Benefit. Benefits are payable if such Injury occurs:

Description of Loss: Percent of Principal Sum

Life: 100%

Both Hands or Both Feet or 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%

Common Carrier Accidental Death: 200%

66

RoundTrip Economy
Seven Corners Inc

24 Hour AD&D Benefits
$5,000 per person

Quote

Full Policy Wording

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 Schedule of Benefits.

Table of Losses
Type of Loss Benefit Amount
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 Schedule of Benefits.

67

RoundTrip Elite
Seven Corners Inc

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

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 Schedule of Benefits.

Table of Losses
Type of Loss Benefit Amount
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 Schedule of Benefits.

68

Wander Frequent Traveler excl US
Seven Corners Inc

24 Hour AD&D Benefits
$25,000 per adult $5,000 per child

Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

The Company shall pay an indemnity determined from the Table if an Insured Person sustains a Loss stated therein resulting from Injury and subject to the limitations contained in PART IV – EXCLUSIONS, provided that: a) such Loss occurs within 365 days after the date of Accident causing such Loss; and b) the indemnity payable for any such Loss shall be the Principal Sum stated on the ID Card, as applicable to such Insured Person and this Insurance; and c) if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, shall be payable.

For Loss of: Insured or Spouse Each Child
Loss of Life Principal Sum $5,000
Loss of two Members Principal Sum $5,000
Loss of one Member 50% of Principal Sum $2,500
Quadriplegia Principal Sum $5,000 (total paralysis of both upper and lower limbs)
Paraplegia 75% of the Principal Sum $3,750 (total paralysis of both lower limbs)
Hemiplegia 50% the Principal Sum $2,500 (total paralysis of both upper & lower limbs of one side of the body)
Uniplegia 25% of the Principal Sum $1,250 (total paralysis of one limb)

The term “Loss”, in reference to quadriplegia, paraplegia, hemiplegia and uniplegia, shall mean the complete and irreversible paralysis of such limbs and with regard to hands and feet, actual severance through or above the wrist or ankle joints, and with regard to eyes, entire irrecoverable Loss of sight. The term “Principal Sum” as used herein shall mean the amount stated on the ID Card. “Member” means hand, foot or eye. Only one amount, the largest to which you are entitled is payable for all losses resulting from one accident.

Tin Leg
Tin Leg

69

Economy
Tin Leg

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

70

Standard
Tin Leg

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

71

Luxury
Tin Leg

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

Travelex Insurance Services
Travelex Insurance Services

72

Flight Insure Multi-trip - AD&D Only
Travelex Insurance Services

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

73

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS (24 Hour)

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 Covered Trip and covered under the plan, and you suffer one of the loses listed below within 180 days of the covered Accident. The Principal Sum is the benefi t amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and 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%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder.

If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

74

Flight Insure Plus - Flight AD&D Only
Travelex Insurance Services

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

75

Flight Insure Plus - Package Plan
Travelex Insurance Services

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS (24 Hour)

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 Covered Trip and covered under the plan, and you suffer one of the loses listed below within 180 days of the covered Accident. The Principal Sum is the benefi t amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and 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%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder.

If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

76

Travel Basic
Travelex Insurance Services

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

77

Travel Max
Travelex Insurance Services

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

Accidental Death & Dismemberment Benefits (Common Carrier & 24 Hour) 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 Covered Trip and covered under the plan, and you suffer one of the losses listed below within 180 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 and 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%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance

If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder. If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

78

Travel Select
Travelex Insurance Services

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

24 Hour Accidental Death & Dismemberment Benefits

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 Covered Trip and covered under the plan, and you suffer one of the losses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Percentage of Principal Loss: Sum Payable:
Life 100%
Both Hands and 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%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance

If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder.

If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

TravelSafe
TravelSafe

79

Basic
TravelSafe

24 Hour AD&D Benefits
No coverage

Quote

Full Policy Wording

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

80

Classic
TravelSafe

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

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.

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.

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 a 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.

81

Classic Plus
TravelSafe

24 Hour AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

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.

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.

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 a 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.

Trawick International
Trawick International

82

Safe Travels USA
Trawick International

24 Hour AD&D Benefits
$25,000 per adult $10,000 per child

Quote

Full Policy Wording

Accidental Death & Dismemberment Benefit

Principal Sum – Insured $ 25,000; Spouse/Domestic Partner/Traveling Companion $25,000; Dependent Child $ 10,000

If Injury to the Covered Person results, within 365 days from date of Accident shown in the Schedule of Benefits, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. The Principal Sum is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount
Life, Quadriplegia or Two or more Members 100% of the Principal Sum
Hemiplegia or Paraplegia 75% of the Principal Sum
One Member 50% of the Principal Sum
Uniplegia or Thumb and Index Finger of the Same Hand 25% of the Principal Sum

“Quadriplegia” means total Paralysis of both upper and lower limbs. “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body. “Uniplegia” means total Paralysis of one lower limb or one upper limb. “Paraplegia” means total Paralysis of both lower limbs or both upper limbs. “Paralysis” means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. “Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the Same Hand” or “Loss of Four Fingers of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). “Severance” means the complete separation and dismemberment of the part from the body.

Exposure and Disappearance Benefit- 100% of the Principal Sum if you are exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you were traveling. You are presumed dead if you are in a vehicle that disappears, sinks or is stranded or wrecked and your body is not found within six months of the Covered Accident.

Hijacking and Air or Water Piracy Benefit- Covers Injury during the: 1. hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.

83

Safe Travels International excl US
Trawick International

24 Hour AD&D Benefits
$25,000 per adult $10,000 per child

Quote

Full Policy Wording

Accidental Death & Dismemberment Benefit

Principal Sum – Insured $ 25,000; Spouse/Domestic Partner/Traveling Companion $25,000 Dependent Child $ 10,000

If Injury to the Covered Person results, within 365 days from date of Accident shown in the Schedule of Benefits, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. The Principal Sum is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount
Life, Quadriplegia or Two or more Members 100% of the Principal Sum
Hemiplegia or Paraplegia 75% of the Principal Sum
One Member 50% of the Principal Sum
Uniplegia or Thumb and Index Finger of the Same Hand 25% of the Principal Sum

“Quadriplegia” means total Paralysis of both upper and lower limbs. “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body. “Uniplegia” means total Paralysis of one lower limb or one upper limb. “Paraplegia” means total Paralysis of both lower limbs or both upper limbs. “Paralysis” means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. “Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the Same Hand” or “Loss of Four Fingers of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). “Severance” means the complete separation and dismemberment of the part from the body.

Exposure and Disappearance Benefit- 100% of the Principal Sum if you are exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you were traveling. You are presumed dead if you are in a vehicle that disappears, sinks or is stranded or wrecked and your body is not found within six months of the Covered Accident.

Hijacking and Air or Water Piracy Benefit- Covers Injury during the: 1. hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.

84

Safe Travels USA Trip Protection
Trawick International

24 Hour AD&D Benefits
$25,000 per adult $10,000 per child

Quote

Full Policy Wording

Accidental Death & Dismemberment Benefit

Principal Sum – Insured $25,000; Spouse/Domestic Partner/Traveling Companion $25,000 Dependent Child $10,000 If Injury to the Covered Person results, within 365 days from date of Accident shown in the Schedule of Benefits, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. The Principal Sum is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount
| Life, Quadriplegia or Two or more Members | 100% of the Principal Sum |
| Hemiplegia or Paraplegia | 75% of the Principal Sum |
| One Member | 50% of the Principal Sum |
| Uniplegia or Thumb and Index Finger of the Same Hand | 25% of the Principal Sum |

“Quadriplegia” means total Paralysis of both upper and lower limbs. “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body. “Uniplegia” means total Paralysis of one lower limb or one upper limb. “Paraplegia” means total Paralysis of both lower limbs or both upper limbs. “Paralysis” means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. “Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the Same Hand” or “Loss of Four Fingers of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). “Severance” means the complete separation and dismemberment of the part from the body.

Exposure and Disappearance Benefit- 100% of the Principal Sum if you are exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you were traveling. You are presumed dead if you are in a vehicle that disappears, sinks or is stranded or wrecked and your body is not found within six months of the Covered Accident. Hijacking and Air or Water Piracy Benefit- Covers Injury during the: 1. hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.

85

Safe Travels International Cost Saver excl US
Trawick International

24 Hour AD&D Benefits
$25,000 per adult $10,000 per child

Quote

Full Policy Wording

Accidental Death & Dismemberment Benefit

Principal Sum – Ages 18 and over $25,000 to $1,000,000 Ages 17 and under $10,000 or $50,000
If Injury to the Covered Person results, within 365 days from date of Accident shown in the Schedule of Benefits, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. The Principal Sum is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount

Life, Quadriplegia or Two or more Members………………………..100% of the Principal Sum

Hemiplegia or Paraplegia ……………………………………………………..75% of the Principal Sum

One Member…………………………………………………………………………50% of the Principal Sum

Uniplegia or Thumb and Index Finger of the Same Hand……….25% of the Principal Sum

“Quadriplegia” means total Paralysis of both upper and lower limbs. “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body. “Uniplegia” means total Paralysis of one lower limb or one upper limb. “Paraplegia” means total Paralysis of both lower limbs or both upper limbs. “Paralysis” means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. “Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the Same Hand” or “Loss of Four Fingers of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). “Severance” means the complete separation and dismemberment of the part from the body.

86

Safe Travels USA Cost Saver
Trawick International

24 Hour AD&D Benefits
$25,000 per adult $10,000 per child

Quote

Full Policy Wording

Accidental Death & Dismemberment Benefit

Principal Sum – $25,000 Under age 18 $10,000

If Injury to the Covered Person results, within 365 days from date of Accident shown in the Schedule of Benefits, in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. The Principal Sum is shown in the Schedule of Benefits. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount

Life, Quadriplegia or Two or more Members ………………………. 100% of the Principal Sum

Hemiplegia or Paraplegia ……………………………………………………..75% of the Principal Sum

One Member…………………………………………………………………………50% of the Principal Sum

Uniplegia or Thumb and Index Finger of the Same Hand………25% of the Principal Sum

“Quadriplegia” means total Paralysis of both upper and lower limbs. “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body. “Uniplegia” means total Paralysis of one lower limb or one upper limb. “Paraplegia” means total Paralysis of both lower limbs or both upper limbs. “Paralysis” means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. “Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the Same Hand” or “Loss of Four Fingers of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). “Severance” means the complete separation and dismemberment of the part from the body.

Exposure and Disappearance Benefit- 100% of Principal Sum if you are exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you were traveling. You are presumed dead if you are in a vehicle that disappears, sinks or is stranded or wrecked and your body is not found within six months of the Covered Accident.

Hijacking and Air or Water Piracy Benefit- Covers Injury during the: 1. hijacking of an Aircraft; 2. air or water piracy; or 3. unlawful seizure or attempted seizure of an aircraft or watercraft.

Coma Benefit- We will pay this benefit in a lump sum of $10,000 if you become Comatose within 31 days of a Covered Accident or Sickness and remain in a Coma for at least 31 days. We reserve the right, at the end of the first 31 days of Coma, to require additional proof that the Covered Person remains Comatose. This proof may include, but is not limited to, requiring an independent medical examination at Our expense. A person is deemed “Comatose” or in a “Coma” if he or she is in a profound stupor, or state of complete and total unconsciousness, as the result of a Covered Accident or Sickness.

Seatbelt and Airbag Benefit- 10% of the Principal Sum up to a maximum benefit of $50,000 if you die or are dismembered directly and independently from Injuries sustained while wearing a seatbelt and operating or riding as a passenger in an Automobile. An additional benefit is provided if you were also positioned in a seat protected by a properly- functioning and properly deployed Supplemental Restraint System (Airbag). Verification of proper use of the seatbelt at the time of the Covered Accident and that the Supplemental Restraint System properly inflated upon impact must be a part of an official police report of the Covered Accident or be certified, in writing, by the investigating officer(s) and submitted with your claim to Us. If such certification or police report is not available or it is unclear whether you were wearing a seatbelt or positioned in a seat protected by a properly functioning and properly deployed Supplemental Restraint System, We will pay a default benefit of $2,000 to you if living, if not, then to your beneficiary. In the case of a child, “seatbelt” means a child restraint, as required by state law and being used as recommended by its manufacturer.

Felonious Assault and Violent Crime Benefit- 100% of the Principal Sum applicable to the Covered Loss to a maximum of $50,000 and subject to the following conditions, when you suffer a Covered Loss resulting directly and independently of all other causes from a Covered Accident that occurs during a violent crime or felonious assault as described below. A police report detailing the felonious assault or violent crime must be provided before this benefit is payable. You must notify the police within 24 hours of the assault. The Covered Accident must occur during any of the following: 1. actual or attempted robbery or holdup; 2. actual or attempted kidnapping; 3. any other type of intentional assault that is a crime classified as a felony by the governing statute or common law in the location where the assault occurred. Benefits will not be paid for treatment of any Injury sustained or Covered Loss incurred during any: 1. violent crime or felonious assault committed by you; or 2. felonious assault or violent crime committed upon you by a Family Member, Fellow Employee, or Member of the Same Household.

Adaptive Home and Vehicle Benefit – up to a $5,000 maximum if you have an Injury which results in a Loss payable under the Accidental Death and Dismemberment Benefit, We will pay an additional benefit equal to the least of the actual cost of the alterations or $5,000 for the one-time cost of alterations to your principal residence; and/or private Automobile to make the residence accessible and/or the private Automobile drivable or rideable. The costs must be incurred within one year from the date of accident and alterations are made by a person or persons with experience in such alterations.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

87

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per adult $5,000 per child

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Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

88

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per adult $5,000 per child

Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

89

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per adult $5,000 per child

Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

90

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per adult $5,000 per child

Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

91

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per adult $5,000 per child

Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

92

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per adult $5,000 per child

Quote

Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENT

Benefits shall be paid to You if You sustain an Accidental Injury. The Injury must occur during the Period of Coverage and death or dismemberment as a result of that Accident must occur within three hundred and sixty-five (365) days from the date of Accident. Benefits payable for any such loss shall be in accordance with the following table: If You incur more than one Loss stated in the following Table as the result of one Accident, only the largest amount shall be payable.

Description of Loss………………………………. Percent of Principal Sum

Life ……………………………………………………………………………….100%
Both Hands or Both Feet or 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%
Common Carrier Accidental Death ……………………………………….200%

93

GlobalTrip Classic
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 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 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 the largest applicable amount shown above (the largest applicable) will be paid for the 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. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, 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 benefit, and 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.

94

GlobalTrip Saver
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 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 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 the largest applicable amount shown above (the largest applicable) will be paid for the 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. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, 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 benefit, and 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.

95

GlobalTrip Plus
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 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 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 the largest applicable amount shown above (the largest applicable) will be paid for the 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. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, 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 benefit, and 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.

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GlobalTrip High Medical
USA-ASSIST Worldwide Protection

24 Hour AD&D Benefits
$10,000 per person

Quote

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 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 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 the largest applicable amount shown above (the largest applicable) will be paid for the 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. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, 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 benefit, and 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.