24 Hour Emergency & Travel Assistance Services

What is 24 Hour Assistance Service?

All travel insurance providers listed on Squaremouth offer 24-Hour Assistance Services as an insurance benefit to policyholders. These departments are dedicated to helping travelers that encounter problems or have coverage questions during a covered trip.

No matter where you are in the world, you can call your provider to get assistance with everything from a small inconvenience to larger issues that require immediate attention. Most travel assistance services can offer medical and emergency support.

What Can Emergency Assistance Services Help With?

The extent of support that a travel insurance provider offers can vary. Most companies will go above and beyond to help their policyholders get out of stressful situations and return home safely.

Examples of what a 24 Hour Assistance Service department can help with include:

Medical Assistance Services

A primary concern for travelers planning international travel is getting sick or injured in a foreign country. This can be especially stressful if you don’t speak the local language.

The best travel insurance companies will be there to assist you in the event of a medical emergency through the following services:

Medical Referrals: Can utilize their vast medical network to connect you with competent medical professionals abroad
Emergency Transportation Arrangement: Will work with air ambulances and other local medical transportation services to arrange emergency medical evacuations
Payment to Medical Facilities: Can provide payment if a hospital requires medical expenses be paid upfront before administering medical care

Travel Emergency Services

In addition to medical support, most 24 Hour Assistance Service departments can provide additional aid if you experience trouble while away from home, including:

Legal Referrals: May be able to connect you with local law professionals at your destination
Emergency Translation: Can connect you with an interpreter or other translation services to help communicate with local police, medical professionals, and more
Emergency Cash Transfers: Can arrange the transfer of cash to you if your credit cards are deactivated or you run out of money while traveling
Transportation Home: May be able to help arrange a safe return home if you encounter a natural disaster, civil unrest, or other emergency that impacts your ability to travel
Lost Travel Documents & Lost Luggage: Can help locate or replace travel documents, such as passports and visas, or personal belongings that are lost during a covered trip
Emergency Message Relay: Can transmit messages to family members back home if you’re unable to reach them

Does Travel Insurance Provide Roadside Assistance?

The vast majority of travel insurance policies do not offer roadside assistance. While rare, some providers’ 24 Hour Emergency Assistance departments may be able to help you locate auto-repair shops, connect you with local tow companies, or help facilitate rental vehicle returns.

If you are renting a car overseas and are concerned about breaking down, we recommend checking what type of support your rental car agency can provide.

Why Do Travel Insurance Providers Offer 24-Hour Emergency Assistance?

There’s no such thing as a risk-free trip. To combat the uncertainties of travel, especially abroad, travel insurance plans include an emergency hotline that can be reached at any point during your trip.

Providers offer this service as an added benefit to travelers and to provide peace of mind if their trips take a turn for the worse. While providers do their best to satisfy their policyholders, some providers have better customer service reputations than others.

Squaremouth shows reviews and ratings for each provider on our platform. These come directly from previous customers and can provide insight into the quality of service they received.

How To Contact Your Provider’s Emergency Assistance Department

Your travel insurance provider’s contact information can be found on your travel insurance policy, on their Squaremouth provider page, on their website, or within their mobile app. If you’re traveling abroad, we recommend saving this phone number somewhere that you can access easily if your phone is dead or out of service.

Keep in mind that providers often have separate numbers for domestic and international travelers. It’s also important to remember the country code if you’re heading overseas, which is “+1” if you’re trying to reach a U.S. number.

Does it Cost Money to Call A Provider While Traveling?

If you’re traveling within the United States, you may contact your provider at any time using their toll-free phone number free of charge. This typically extends to travelers visiting Canada and U.S. territories. If you are traveling internationally, you may be charged a fee. The extent of that fee will be based on your phone plan, carrier, and destination.

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

Looking for a policy with 24 Hour Assistance Service coverage?

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

24 Hour Assistance Service by Provider

Last Updated: 07/15/2025

Aegis
Policy Name and Summary of Coverage		Full Policy Wording
1	Go Ready Trip Cancellation 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
2	Go Ready Choice 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
3	Go Ready Pandemic Plus 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording

Arch RoamRight
Policy Name and Summary of Coverage		Full Policy Wording
4	Pro 24 hour assistance provided	All Assistance Services listed in this section are related to insurance benefits. Costs and expenses associated with the goods and services provided by On Call are your responsibility, unless stated otherwise. MEDICAL ASSISTANCE Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics. PRE-TRIP INFORMATION Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide). TRAVEL ASSISTANCE Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral. SECURITY ASSISTANCE – assistance due to political instability and/or natural disaster Security assistance services are provided by On Call. Services offered include: assistance securing required visas, arranging necessary lodging and coordinating safe and appropriate transportation, by land, sea or air, from the nearest safe departure point to the nearest safe haven and to an onward destination. MEDICAL TRANSPORTATION SERVICES Emergency Medical Evacuation* Medically Necessary Repatriation* Repatriation of Deceased Remains* Return of Dependent Children* Emergency Medical Reunion* *All services outlined above must be coordinated and approved by On Call International. This is only a brief outline of the services available to you. Read Hide Full Policy Wording
	All Assistance Services listed in this section are related to insurance benefits. Costs and expenses associated with the goods and services provided by On Call are your responsibility, unless stated otherwise. MEDICAL ASSISTANCE Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics. PRE-TRIP INFORMATION Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide). TRAVEL ASSISTANCE Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral. SECURITY ASSISTANCE – assistance due to political instability and/or natural disaster Security assistance services are provided by On Call. Services offered include: assistance securing required visas, arranging necessary lodging and coordinating safe and appropriate transportation, by land, sea or air, from the nearest safe departure point to the nearest safe haven and to an onward destination. MEDICAL TRANSPORTATION SERVICES Emergency Medical Evacuation* Medically Necessary Repatriation* Repatriation of Deceased Remains* Return of Dependent Children* Emergency Medical Reunion* *All services outlined above must be coordinated and approved by On Call International. This is only a brief outline of the services available to you. Read Hide Full Policy Wording
5	Pro Plus 24 hour assistance provided	All Assistance Services listed in this section are related to insurance benefits. Costs and expenses associated with the goods and services provided by On Call are your responsibility, unless stated otherwise. MEDICAL ASSISTANCE Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics. PRE-TRIP INFORMATION Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide). TRAVEL ASSISTANCE Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral. SECURITY ASSISTANCE – assistance due to political instability and/or natural disaster Security assistance services are provided by On Call. Services offered include: assistance securing required visas, arranging necessary lodging and coordinating safe and appropriate transportation, by land, sea or air, from the nearest safe departure point to the nearest safe haven and to an onward destination. MEDICAL TRANSPORTATION SERVICES -Emergency Medical Evacuation* -Medically Necessary Repatriation* -Repatriation of Deceased Remains* -Return of Dependent Children* -Emergency Medical Reunion* *All services outlined above must be coordinated and approved by On Call International. This is only a brief outline of the services available to you. Read Hide Full Policy Wording
	All Assistance Services listed in this section are related to insurance benefits. Costs and expenses associated with the goods and services provided by On Call are your responsibility, unless stated otherwise. MEDICAL ASSISTANCE Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics. PRE-TRIP INFORMATION Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide). TRAVEL ASSISTANCE Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral. SECURITY ASSISTANCE – assistance due to political instability and/or natural disaster Security assistance services are provided by On Call. Services offered include: assistance securing required visas, arranging necessary lodging and coordinating safe and appropriate transportation, by land, sea or air, from the nearest safe departure point to the nearest safe haven and to an onward destination. MEDICAL TRANSPORTATION SERVICES -Emergency Medical Evacuation* -Medically Necessary Repatriation* -Repatriation of Deceased Remains* -Return of Dependent Children* -Emergency Medical Reunion* *All services outlined above must be coordinated and approved by On Call International. This is only a brief outline of the services available to you. Read Hide Full Policy Wording

AXA Assistance USA
Policy Name and Summary of Coverage		Full Policy Wording
6	Gold 24 hour assistance provided	AXA ASSISTANCE USA 24/7 WORLDWIDE TRAVEL ASSISTANCE SERVICES MEDICAL ASSISTANCE SERVICES Medical and Dental Referrals With a worldwide network of providers at our fingertips, we are able to offer you referrals to primary care physicians, dentists, clinics and hospitals. Critical Care Monitoring During your hospitalization, our medical professionals will remain in regular communication with the treating facility to ensure you are receiving the proper care. Dispatch of Physician If our medical professionals cannot adequately assess the need for medical transport or evacuation, we will dispatch a physician to your location to make an assessment. Emergency Medical Evacuation Whenever adequate medical facilities are not available locally, our medical professionals will recommend and arrange the appropriate method of transportation, equipment and personnel to evacuate you to the nearest facility capable of providing proper care. Payment for the emergency medical evacuation is only available for covered claims, up to the amount provided in the policy. Medical Repatriation If you need medical assistance to return home, our medical professionals will determine the appropriate transportation method and assist with all necessary travel arrangements based upon your medical condition. Payment for the medical repatriation is only available for covered claims, up to the amount provided in the policy. Return of Mortal Remains We will arrange the transportation and offer every, reasonable assistance in legal formalities, for the return of mortal remains. Payment for the return of mortal remains is only available for covered claims, up to the amount provided in the policy. Vehicle Return Services In the event that you need to be medically repatriated or evacuated to your home, we will coordinate all arrangements needed for the return of your unattended vehicle. Dispatch of Prescription Medication If you forget or lose a prescribed medication, we will assist with replacement medication. If the medication is not available locally, we will coordinate the dispatch of prescription medication, when possible and legally permissible, or provide you with an appointment with a physician in order to re-establish the prescription. This service is also available for medical devices and eye glasses. TRAVEL ASSISTANCE SERVICES General Travel Information Before you travel, you can obtain information about visa, passport, immunization requirements and local customs. You can also obtain 24-hour pre-departure information on weather, currency or holidays. Urgent Message Relay We will relay emergency messages on your behalf. Lost Document and Lost Article Assistance We will assist with arrangements to replace or forward copies of lost or stolen documents, including passports, driver’s licenses and credit cards, as well as assist with procedures to file loss reports and to recover lost or stolen articles such as luggage. Pet Housing and Return We can assist with pet friendly hotel accommodations, boarding facilities and travel home for pets. Emergency Cash and Bail Assistance During emergency situation, we can help arrange an emergency cash advance. This service can also provide assistance in obtaining bail bonds, where available. Legal Referrals We will provide referrals to an interpreter or legal personnel to you as necessary. MEDICAL TELECONSULTATION Our 24/7 on-demand access to physicians for phone consultations offers convenient medical care during your scheduled trip. For minor ailments and conditions, access to licensed doctors to obtain medical advice, treatment options, assistance with prescription refills and provider referrals, when needed. Teleconsultation is not an emergency medical response program. In the event of a medical emergency, you should contact your local emergency medical service. You can receive Teleconsultation services for limited, non-urgent, non-life threating medical conditions; this service is not appropriate for all conditions. Services, including assistance with prescriptions, will be provided if permitted under applicable law. Teleconsultation services are arranged through AXA Assistance USA and are provided by a third-party teleconsultation provider. There may be times, when circumstances beyond AXA Assistance USA’s control, hinder our endeavors to provide travel assistance services. AXA will, however, make all reasonable efforts to provide travel assistance services and help you resolve your emergency situation, unless prohibited by law. Read Hide Full Policy Wording
	AXA ASSISTANCE USA 24/7 WORLDWIDE TRAVEL ASSISTANCE SERVICES MEDICAL ASSISTANCE SERVICES Medical and Dental Referrals With a worldwide network of providers at our fingertips, we are able to offer you referrals to primary care physicians, dentists, clinics and hospitals. Critical Care Monitoring During your hospitalization, our medical professionals will remain in regular communication with the treating facility to ensure you are receiving the proper care. Dispatch of Physician If our medical professionals cannot adequately assess the need for medical transport or evacuation, we will dispatch a physician to your location to make an assessment. Emergency Medical Evacuation Whenever adequate medical facilities are not available locally, our medical professionals will recommend and arrange the appropriate method of transportation, equipment and personnel to evacuate you to the nearest facility capable of providing proper care. Payment for the emergency medical evacuation is only available for covered claims, up to the amount provided in the policy. Medical Repatriation If you need medical assistance to return home, our medical professionals will determine the appropriate transportation method and assist with all necessary travel arrangements based upon your medical condition. Payment for the medical repatriation is only available for covered claims, up to the amount provided in the policy. Return of Mortal Remains We will arrange the transportation and offer every, reasonable assistance in legal formalities, for the return of mortal remains. Payment for the return of mortal remains is only available for covered claims, up to the amount provided in the policy. Vehicle Return Services In the event that you need to be medically repatriated or evacuated to your home, we will coordinate all arrangements needed for the return of your unattended vehicle. Dispatch of Prescription Medication If you forget or lose a prescribed medication, we will assist with replacement medication. If the medication is not available locally, we will coordinate the dispatch of prescription medication, when possible and legally permissible, or provide you with an appointment with a physician in order to re-establish the prescription. This service is also available for medical devices and eye glasses. TRAVEL ASSISTANCE SERVICES General Travel Information Before you travel, you can obtain information about visa, passport, immunization requirements and local customs. You can also obtain 24-hour pre-departure information on weather, currency or holidays. Urgent Message Relay We will relay emergency messages on your behalf. Lost Document and Lost Article Assistance We will assist with arrangements to replace or forward copies of lost or stolen documents, including passports, driver’s licenses and credit cards, as well as assist with procedures to file loss reports and to recover lost or stolen articles such as luggage. Pet Housing and Return We can assist with pet friendly hotel accommodations, boarding facilities and travel home for pets. Emergency Cash and Bail Assistance During emergency situation, we can help arrange an emergency cash advance. This service can also provide assistance in obtaining bail bonds, where available. Legal Referrals We will provide referrals to an interpreter or legal personnel to you as necessary. MEDICAL TELECONSULTATION Our 24/7 on-demand access to physicians for phone consultations offers convenient medical care during your scheduled trip. For minor ailments and conditions, access to licensed doctors to obtain medical advice, treatment options, assistance with prescription refills and provider referrals, when needed. Teleconsultation is not an emergency medical response program. In the event of a medical emergency, you should contact your local emergency medical service. You can receive Teleconsultation services for limited, non-urgent, non-life threating medical conditions; this service is not appropriate for all conditions. Services, including assistance with prescriptions, will be provided if permitted under applicable law. Teleconsultation services are arranged through AXA Assistance USA and are provided by a third-party teleconsultation provider. There may be times, when circumstances beyond AXA Assistance USA’s control, hinder our endeavors to provide travel assistance services. AXA will, however, make all reasonable efforts to provide travel assistance services and help you resolve your emergency situation, unless prohibited by law. Read Hide Full Policy Wording
7	Platinum 24 hour assistance provided	AXA ASSISTANCE USA 24/7 WORLDWIDE TRAVEL ASSISTANCE SERVICES MEDICAL ASSISTANCE SERVICES Medical and Dental Referrals With a worldwide network of providers at our fingertips, we are able to offer you referrals to primary care physicians, dentists, clinics and hospitals. Critical Care Monitoring During your hospitalization, our medical professionals will remain in regular communication with the treating facility to ensure you are receiving the proper care. Dispatch of Physician If our medical professionals cannot adequately assess the need for medical transport or evacuation, we will dispatch a physician to your location to make an assessment. EmergencyMedical Evacuation Whenever adequate medical facilities are not available locally, our medical professionals will recommend and arrange the appropriate method of transportation, equipment and personnel to evacuate you to the nearest facility capable of providing proper care. Payment for the emergency medical evacuation is only available for covered claims, up to the amount provided in the policy. Medical Repatriation If you need medical assistance to return home, our medical professionals will determine the appropriate transportation method and assist with all necessary travel arrangements based upon your medical condition. Payment for the medical repatriation is only available for covered claims, up to the amount provided in the policy. Return of Mortal Remains We will arrange the transportation and offer every, reasonable assistance in legal formalities, for the return of mortal remains. Payment for the return of mortal remains is only available for covered claims, up to the amount provided in the policy. Vehicle Return Services In the event that you need to be medically repatriated or evacuated to your home, we will coordinate all arrangements needed for the return of your unattended vehicle. Dispatch of PrescriptionMedication If you forget or lose a prescribed medication, we will assist with replacement medication. If the medication is not available locally, we will coordinate the dispatch of prescription medication, when possible and legally permissible, or provide you with an appointment with a physician in order to re-establish the prescription. This service is also available for medical devices and eye glasses. TRAVEL ASSISTANCE SERVICES General Travel Information Before you travel, you can obtain information about visa, passport, immunization requirements and local customs. You can also obtain 24-hour pre-departure information on weather, currency or holidays. UrgentMessage Relay We will relay emergency messages on your behalf. Lost Document and Lost Article Assistance We will assist with arrangements to replace or forward copies of lost or stolen documents, including passports, driver’s licenses and credit cards, as well as assist with procedures to file loss reports and to recover lost or stolen articles such as luggage. Pet Housing and Return We can assist with pet friendly hotel accommodations, boarding facilities and travel home for pets. EmergencyCash and Bail Assistance During emergency situation, we can help arrange an emergency cash advance. This service can also provide assistance in obtaining bail bonds, where available. Legal Referrals We will provide referrals to an interpreter or legal personnel to you as necessary. MEDICAL TELECONSULTATION Our 24/7 on-demand access to physicians for phone consultations offers convenient medical care during your scheduled trip. For minor ailments and conditions, access to licensed doctors to obtain medical advice, treatment options, assistance with prescription refills and provider referrals, when needed. Read Hide Full Policy Wording
	AXA ASSISTANCE USA 24/7 WORLDWIDE TRAVEL ASSISTANCE SERVICES MEDICAL ASSISTANCE SERVICES Medical and Dental Referrals With a worldwide network of providers at our fingertips, we are able to offer you referrals to primary care physicians, dentists, clinics and hospitals. Critical Care Monitoring During your hospitalization, our medical professionals will remain in regular communication with the treating facility to ensure you are receiving the proper care. Dispatch of Physician If our medical professionals cannot adequately assess the need for medical transport or evacuation, we will dispatch a physician to your location to make an assessment. EmergencyMedical Evacuation Whenever adequate medical facilities are not available locally, our medical professionals will recommend and arrange the appropriate method of transportation, equipment and personnel to evacuate you to the nearest facility capable of providing proper care. Payment for the emergency medical evacuation is only available for covered claims, up to the amount provided in the policy. Medical Repatriation If you need medical assistance to return home, our medical professionals will determine the appropriate transportation method and assist with all necessary travel arrangements based upon your medical condition. Payment for the medical repatriation is only available for covered claims, up to the amount provided in the policy. Return of Mortal Remains We will arrange the transportation and offer every, reasonable assistance in legal formalities, for the return of mortal remains. Payment for the return of mortal remains is only available for covered claims, up to the amount provided in the policy. Vehicle Return Services In the event that you need to be medically repatriated or evacuated to your home, we will coordinate all arrangements needed for the return of your unattended vehicle. Dispatch of PrescriptionMedication If you forget or lose a prescribed medication, we will assist with replacement medication. If the medication is not available locally, we will coordinate the dispatch of prescription medication, when possible and legally permissible, or provide you with an appointment with a physician in order to re-establish the prescription. This service is also available for medical devices and eye glasses. TRAVEL ASSISTANCE SERVICES General Travel Information Before you travel, you can obtain information about visa, passport, immunization requirements and local customs. You can also obtain 24-hour pre-departure information on weather, currency or holidays. UrgentMessage Relay We will relay emergency messages on your behalf. Lost Document and Lost Article Assistance We will assist with arrangements to replace or forward copies of lost or stolen documents, including passports, driver’s licenses and credit cards, as well as assist with procedures to file loss reports and to recover lost or stolen articles such as luggage. Pet Housing and Return We can assist with pet friendly hotel accommodations, boarding facilities and travel home for pets. EmergencyCash and Bail Assistance During emergency situation, we can help arrange an emergency cash advance. This service can also provide assistance in obtaining bail bonds, where available. Legal Referrals We will provide referrals to an interpreter or legal personnel to you as necessary. MEDICAL TELECONSULTATION Our 24/7 on-demand access to physicians for phone consultations offers convenient medical care during your scheduled trip. For minor ailments and conditions, access to licensed doctors to obtain medical advice, treatment options, assistance with prescription refills and provider referrals, when needed. Read Hide Full Policy Wording

battleface
Policy Name and Summary of Coverage	Full Policy Wording
8	Discovery 24 hour assistance provided	24 hour assistance provided. Read Hide Full Policy Wording
	24 hour assistance provided. Read Hide Full Policy Wording

battleface

Policy Name and Summary of Coverage

Full Policy Wording

Discovery

24 hour assistance provided

24 hour assistance provided.

Read Hide Full Policy Wording

24 hour assistance provided.

Read Hide Full Policy Wording

Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage		Full Policy Wording
9	ExactCare 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. On Call International offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance · Emergency-medical-transportation assistance · Physician/hospital/dental/vision referrals · Assistance with repatriation of mortal remains · Return travel arrangements · Emergency prescription-replacement assistance · Dispatch of doctor or specialist · Medical-evacuation quote · Inpatient and outpatient medical case management · Qualified liaison for relaying medical information to family members · Arrangements for visitor to bedside of hospitalized Insured · Eyeglasses and corrective-lens replacement assistance · Medical payment arrangements · Medical cost-containment/expense recovery and overseas investigation · Medical-bill audits · Coordinate shipment of medical records · Assistance with medical-equipment rental/replacement Worldwide Travel Assistance · Lost-baggage search; stolen-luggage-replacement assistance · Lost passport/travel documents assistance · ATM locator · Emergency-cash-transfer assistance · Travel information including visa/passport requirements · Emergency telephone-interpretation assistance · Urgent-message relay to family, friends or business associates · Up-to-the-minute travel-delay reports · Arrangements for long-distance calling cards for worldwide telephoning · Inoculation information · Embassy or consulate referral · Currency conversion or purchase assistance · Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures · Up-to-the-minute travel-supplier strike information · Legal referrals/bail-bond assistance · Worldwide public-holiday information Emergency Assistance · Flight rebooking · Hotel rebooking · Rental-vehicle booking · Emergency-return-travel arrangements · Roadside assistance locator · Rental-vehicle-return assistance · Guaranteed hotel check-in · Missed-connections coordination · Business assistant · Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) · “411” global directory service · Wireless accessory replacement assistance · Business conference-call coordination · Urgent messaging to clients, colleagues and family members · Up-to-the-minute travel delay and departure reports · Driving and walking directions · Emergency return-travel arrangements Concierge Services • Restaurant referrals and reservations • Ground transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services *Non-insurance services are provided by World Travel Protection. Read Hide Full Policy Wording
	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. On Call International offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance · Emergency-medical-transportation assistance · Physician/hospital/dental/vision referrals · Assistance with repatriation of mortal remains · Return travel arrangements · Emergency prescription-replacement assistance · Dispatch of doctor or specialist · Medical-evacuation quote · Inpatient and outpatient medical case management · Qualified liaison for relaying medical information to family members · Arrangements for visitor to bedside of hospitalized Insured · Eyeglasses and corrective-lens replacement assistance · Medical payment arrangements · Medical cost-containment/expense recovery and overseas investigation · Medical-bill audits · Coordinate shipment of medical records · Assistance with medical-equipment rental/replacement Worldwide Travel Assistance · Lost-baggage search; stolen-luggage-replacement assistance · Lost passport/travel documents assistance · ATM locator · Emergency-cash-transfer assistance · Travel information including visa/passport requirements · Emergency telephone-interpretation assistance · Urgent-message relay to family, friends or business associates · Up-to-the-minute travel-delay reports · Arrangements for long-distance calling cards for worldwide telephoning · Inoculation information · Embassy or consulate referral · Currency conversion or purchase assistance · Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures · Up-to-the-minute travel-supplier strike information · Legal referrals/bail-bond assistance · Worldwide public-holiday information Emergency Assistance · Flight rebooking · Hotel rebooking · Rental-vehicle booking · Emergency-return-travel arrangements · Roadside assistance locator · Rental-vehicle-return assistance · Guaranteed hotel check-in · Missed-connections coordination · Business assistant · Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) · “411” global directory service · Wireless accessory replacement assistance · Business conference-call coordination · Urgent messaging to clients, colleagues and family members · Up-to-the-minute travel delay and departure reports · Driving and walking directions · Emergency return-travel arrangements Concierge Services • Restaurant referrals and reservations • Ground transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services *Non-insurance services are provided by World Travel Protection. Read Hide Full Policy Wording
10	ExactCare 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Berkshire Hathaway Travel Protection contracts with On Call International offers to offer assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency medical transportation assistance • Physician, hospital, dental, vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription replacement assistance • Dispatch of doctor or specialist • Medical evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective lens replacement assistance • Medical payment arrangements • Medical cost-containment, expense recovery and overseas investigation • Medical bill audits • Coordinate shipment of medical records • Assistance with medical equipment rental and replacement Worldwide Travel Assistance • Lost baggage search; stolen luggage replacement assistance • Lost passport and travel documents assistance • ATM locator • Emergency cash transfer assistance • Travel information including visa/passport requirements • Emergency telephone interpretation assistance • Urgent message relay to family, friends or business associates • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Legal referrals, bail bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global phone number directory service • Wireless accessory replacement locations • Business conference call coordination • Urgent messaging to clients, colleagues, and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements • Identity theft agency and services resources Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance provided in gaining entry to a covered vehicle if keys lost or locked inside. • Battery Assistance — Battery assistance (jump-start) provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. If you have questions about a request or concierge service not listed above, we can likely assist. Please contact our service desk 24 hours a day, seven days a week at 1-844-411-BHTP (2487). *All non-insurance services provided by World Travel Protection’s extensive network of worldwide partners. Read Hide Full Policy Wording
	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Berkshire Hathaway Travel Protection contracts with On Call International offers to offer assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency medical transportation assistance • Physician, hospital, dental, vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription replacement assistance • Dispatch of doctor or specialist • Medical evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective lens replacement assistance • Medical payment arrangements • Medical cost-containment, expense recovery and overseas investigation • Medical bill audits • Coordinate shipment of medical records • Assistance with medical equipment rental and replacement Worldwide Travel Assistance • Lost baggage search; stolen luggage replacement assistance • Lost passport and travel documents assistance • ATM locator • Emergency cash transfer assistance • Travel information including visa/passport requirements • Emergency telephone interpretation assistance • Urgent message relay to family, friends or business associates • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Legal referrals, bail bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global phone number directory service • Wireless accessory replacement locations • Business conference call coordination • Urgent messaging to clients, colleagues, and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements • Identity theft agency and services resources Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance provided in gaining entry to a covered vehicle if keys lost or locked inside. • Battery Assistance — Battery assistance (jump-start) provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. If you have questions about a request or concierge service not listed above, we can likely assist. Please contact our service desk 24 hours a day, seven days a week at 1-844-411-BHTP (2487). *All non-insurance services provided by World Travel Protection’s extensive network of worldwide partners. Read Hide Full Policy Wording
11	ExactCare Value 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. On Call International offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Concierge Services •Restaurant referrals and reservations •Ground transportation arrangements •Event ticketing arrangements •Tee times and course recommendations •Floral services *Non-insurance services are provided by World Travel Protection. Read Hide Full Policy Wording
	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. On Call International offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Concierge Services •Restaurant referrals and reservations •Ground transportation arrangements •Event ticketing arrangements •Tee times and course recommendations •Floral services *Non-insurance services are provided by World Travel Protection. Read Hide Full Policy Wording
12	ExactCare Value 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Berkshire Hathaway Travel Protection contracts with On Call International offers to offer assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency medical transportation assistance • Physician, hospital, dental, vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription replacement assistance • Dispatch of doctor or specialist • Medical evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective lens replacement assistance • Medical payment arrangements • Medical cost-containment, expense recovery and overseas investigation • Medical bill audits • Coordinate shipment of medical records • Assistance with medical equipment rental and replacement Worldwide Travel Assistance • Lost baggage search; stolen luggage replacement assistance • Lost passport and travel documents assistance • ATM locator • Emergency cash transfer assistance • Travel information including visa/passport requirements • Emergency telephone interpretation assistance • Urgent message relay to family, friends or business associates • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Legal referrals, bail bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global phone number directory service • Wireless accessory replacement locations • Business conference call coordination • Urgent messaging to clients, colleagues, and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements • Identity theft agency and services resources Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance provided in gaining entry to a covered vehicle if keys lost or locked inside. • Battery Assistance — Battery assistance (jump-start) provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. If you have questions about a request or concierge service not listed above, we can likely assist. Please contact our service desk 24 hours a day, seven days a week at 1-844-411-BHTP (2487). *All non-insurance services provided by World Travel Protection’s extensive network of worldwide partners. Read Hide Full Policy Wording
	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Berkshire Hathaway Travel Protection contracts with On Call International offers to offer assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency medical transportation assistance • Physician, hospital, dental, vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription replacement assistance • Dispatch of doctor or specialist • Medical evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective lens replacement assistance • Medical payment arrangements • Medical cost-containment, expense recovery and overseas investigation • Medical bill audits • Coordinate shipment of medical records • Assistance with medical equipment rental and replacement Worldwide Travel Assistance • Lost baggage search; stolen luggage replacement assistance • Lost passport and travel documents assistance • ATM locator • Emergency cash transfer assistance • Travel information including visa/passport requirements • Emergency telephone interpretation assistance • Urgent message relay to family, friends or business associates • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Legal referrals, bail bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global phone number directory service • Wireless accessory replacement locations • Business conference call coordination • Urgent messaging to clients, colleagues, and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements • Identity theft agency and services resources Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance provided in gaining entry to a covered vehicle if keys lost or locked inside. • Battery Assistance — Battery assistance (jump-start) provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. If you have questions about a request or concierge service not listed above, we can likely assist. Please contact our service desk 24 hours a day, seven days a week at 1-844-411-BHTP (2487). *All non-insurance services provided by World Travel Protection’s extensive network of worldwide partners. Read Hide Full Policy Wording
13	LuxuryCare 24 hour assistance provided	ASSISTANCE SERVICES* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. On Call International offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Concierge Services • Restaurant referrals and reservations • Ground transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services *Non-insurance services are provided by World Travel Protection. Read Hide Full Policy Wording
	ASSISTANCE SERVICES* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. On Call International offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Concierge Services • Restaurant referrals and reservations • Ground transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services *Non-insurance services are provided by World Travel Protection. Read Hide Full Policy Wording
14	LuxuryCare 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Berkshire Hathaway Travel Protection contracts with On Call International offers to offer assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency medical transportation assistance • Physician, hospital, dental, vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription replacement assistance • Dispatch of doctor or specialist • Medical evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective lens replacement assistance • Medical payment arrangements • Medical cost-containment, expense recovery and overseas investigation • Medical bill audits • Coordinate shipment of medical records • Assistance with medical equipment rental and replacement Worldwide Travel Assistance • Lost baggage search; stolen luggage replacement assistance • Lost passport and travel documents assistance • ATM locator • Emergency cash transfer assistance • Travel information including visa/passport requirements • Emergency telephone interpretation assistance • Urgent message relay to family, friends or business associates • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Legal referrals, bail bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global phone number directory service • Wireless accessory replacement locations • Business conference call coordination • Urgent messaging to clients, colleagues, and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements • Identity theft agency and services resources Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance provided in gaining entry to a covered vehicle if keys lost or locked inside. • Battery Assistance — Battery assistance (jump-start) provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. If you have questions about a request or concierge service not listed above, we can likely assist. Please contact our service desk 24 hours a day, seven days a week at 1-844-411-BHTP (2487). *All non-insurance services provided by World Travel Protection’s extensive network of worldwide partners. Read Hide Full Policy Wording
	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Berkshire Hathaway Travel Protection contracts with On Call International offers to offer assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency medical transportation assistance • Physician, hospital, dental, vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription replacement assistance • Dispatch of doctor or specialist • Medical evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective lens replacement assistance • Medical payment arrangements • Medical cost-containment, expense recovery and overseas investigation • Medical bill audits • Coordinate shipment of medical records • Assistance with medical equipment rental and replacement Worldwide Travel Assistance • Lost baggage search; stolen luggage replacement assistance • Lost passport and travel documents assistance • ATM locator • Emergency cash transfer assistance • Travel information including visa/passport requirements • Emergency telephone interpretation assistance • Urgent message relay to family, friends or business associates • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Legal referrals, bail bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global phone number directory service • Wireless accessory replacement locations • Business conference call coordination • Urgent messaging to clients, colleagues, and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements • Identity theft agency and services resources Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance provided in gaining entry to a covered vehicle if keys lost or locked inside. • Battery Assistance — Battery assistance (jump-start) provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. If you have questions about a request or concierge service not listed above, we can likely assist. Please contact our service desk 24 hours a day, seven days a week at 1-844-411-BHTP (2487). *All non-insurance services provided by World Travel Protection’s extensive network of worldwide partners. Read Hide Full Policy Wording

Detour Insurance
Policy Name and Summary of Coverage		Full Policy Wording
15	@the edge 24 hour assistance provided	FOR 24/7 TRAVEL ASSISTANCE SERVICES ONLY CALL TOLL FREE: 877-318-6891 (within the United States and Canada) OR CALL COLLECT: 603-328-6307 (From all other locations) Travel Assistance Services Details – Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
	FOR 24/7 TRAVEL ASSISTANCE SERVICES ONLY CALL TOLL FREE: 877-318-6891 (within the United States and Canada) OR CALL COLLECT: 603-328-6307 (From all other locations) Travel Assistance Services Details – Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
16	@the edge plus 24 hour assistance provided	FOR 24/7 TRAVEL ASSISTANCE SERVICES ONLY CALL TOLL FREE: 877-318-6891 (within the United States and Canada) OR CALL COLLECT: 603-328-6307 (From all other locations) Travel Assistance Services Details – Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
	FOR 24/7 TRAVEL ASSISTANCE SERVICES ONLY CALL TOLL FREE: 877-318-6891 (within the United States and Canada) OR CALL COLLECT: 603-328-6307 (From all other locations) Travel Assistance Services Details – Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording

Generali Global Assistance
Policy Name and Summary of Coverage		Full Policy Wording
17	Standard 24 hour assistance provided	EMERGENCY ASSISTANCE SERVICES Medical Referral If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local quali ed doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest. Traveling Companion Assistance If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home. Emergency Cash Transfer If your cash or traveler’s checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler’s checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you. Legal Referral The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees. Locating Lost or Stolen Items The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions. Replacement of Medication and Eyeglasses The assistance provider will arrange to ll a prescription that has been lost, stolen or requires a re ll, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription re ll, etc. are your responsibility. The re ll may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician. Embassy and Consular Services The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates. Worldwide Medical Information The assistance provider can provide necessary inoculation and vaccination information, and detailed general health and medical descriptions of destinations around the world. Interpretation/Translation The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents. Emergency Message Relay Emergency messages can be relayed to and from friends, relatives, personal physicians and employers. Pet Return The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency. Vehicle Return The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle. ON DEMAND MEDICAL CARE Teladoc Teladoc offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Teledoc services may not be available in all states, and international services may be limited. No Out-of-Pocket Medical Expense If you develop an acute illness while on your trip that requires treatment by a physician, you should first call the Emergency Hotline to obtain the name of a local qualified physician in the assistance provider’s network. If an in-network physician is available, the assistance provider will schedule the medical visit and guarantee payment to the physician for a medical visit not to exceed $1000. This service is only available provided there is coverage for the acute illness under the Medical and Dental coverage and is subject to all restrictions, limitations and exclusions provided in the policy. This service is not applicable to expenses for emergency dental treatment. Read Hide Full Policy Wording
	EMERGENCY ASSISTANCE SERVICES Medical Referral If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local quali ed doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest. Traveling Companion Assistance If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home. Emergency Cash Transfer If your cash or traveler’s checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler’s checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you. Legal Referral The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees. Locating Lost or Stolen Items The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions. Replacement of Medication and Eyeglasses The assistance provider will arrange to ll a prescription that has been lost, stolen or requires a re ll, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription re ll, etc. are your responsibility. The re ll may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician. Embassy and Consular Services The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates. Worldwide Medical Information The assistance provider can provide necessary inoculation and vaccination information, and detailed general health and medical descriptions of destinations around the world. Interpretation/Translation The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents. Emergency Message Relay Emergency messages can be relayed to and from friends, relatives, personal physicians and employers. Pet Return The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency. Vehicle Return The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle. ON DEMAND MEDICAL CARE Teladoc Teladoc offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Teledoc services may not be available in all states, and international services may be limited. No Out-of-Pocket Medical Expense If you develop an acute illness while on your trip that requires treatment by a physician, you should first call the Emergency Hotline to obtain the name of a local qualified physician in the assistance provider’s network. If an in-network physician is available, the assistance provider will schedule the medical visit and guarantee payment to the physician for a medical visit not to exceed $1000. This service is only available provided there is coverage for the acute illness under the Medical and Dental coverage and is subject to all restrictions, limitations and exclusions provided in the policy. This service is not applicable to expenses for emergency dental treatment. Read Hide Full Policy Wording
18	Preferred 24 hour assistance provided	EMERGENCY ASSISTANCE SERVICES Medical Referral If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local quali ed doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest. Traveling Companion Assistance If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home. Emergency Cash Transfer If your cash or traveler’s checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler’s checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you. Legal Referral The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees. Locating Lost or Stolen Items The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions. Replacement of Medication and Eyeglasses The assistance provider will arrange to ll a prescription that has been lost, stolen or requires a re ll, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription re ll, etc. are your responsibility. The re ll may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician. Embassy and Consular Services The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates. Worldwide Medical Information The assistance provider can provide necessary inoculation and vaccination information, and detailed general health and medical descriptions of destinations around the world. Interpretation/Translation The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents. Emergency Message Relay Emergency messages can be relayed to and from friends, relatives, personal physicians and employers. Pet Return The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency. Vehicle Return The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle. ON DEMAND MEDICAL CARE Teladoc Teladoc offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Teledoc services may not be available in all states, and international services may be limited. No Out-of-Pocket Medical Expense If you develop an acute illness while on your trip that requires treatment by a physician, you should first call the Emergency Hotline to obtain the name of a local qualified physician in the assistance provider’s network. If an in-network physician is available, the assistance provider will schedule the medical visit and guarantee payment to the physician for a medical visit not to exceed $1000. This service is only available provided there is coverage for the acute illness under the Medical and Dental coverage and is subject to all restrictions, limitations and exclusions provided in the policy. This service is not applicable to expenses for emergency dental treatment. The information provided is for informational purposes. See a state specific Description of Coverage/Policy for full terms and conditions. Read Hide Full Policy Wording
	EMERGENCY ASSISTANCE SERVICES Medical Referral If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local quali ed doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest. Traveling Companion Assistance If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home. Emergency Cash Transfer If your cash or traveler’s checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler’s checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you. Legal Referral The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees. Locating Lost or Stolen Items The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions. Replacement of Medication and Eyeglasses The assistance provider will arrange to ll a prescription that has been lost, stolen or requires a re ll, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription re ll, etc. are your responsibility. The re ll may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician. Embassy and Consular Services The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates. Worldwide Medical Information The assistance provider can provide necessary inoculation and vaccination information, and detailed general health and medical descriptions of destinations around the world. Interpretation/Translation The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents. Emergency Message Relay Emergency messages can be relayed to and from friends, relatives, personal physicians and employers. Pet Return The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency. Vehicle Return The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle. ON DEMAND MEDICAL CARE Teladoc Teladoc offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Teledoc services may not be available in all states, and international services may be limited. No Out-of-Pocket Medical Expense If you develop an acute illness while on your trip that requires treatment by a physician, you should first call the Emergency Hotline to obtain the name of a local qualified physician in the assistance provider’s network. If an in-network physician is available, the assistance provider will schedule the medical visit and guarantee payment to the physician for a medical visit not to exceed $1000. This service is only available provided there is coverage for the acute illness under the Medical and Dental coverage and is subject to all restrictions, limitations and exclusions provided in the policy. This service is not applicable to expenses for emergency dental treatment. The information provided is for informational purposes. See a state specific Description of Coverage/Policy for full terms and conditions. Read Hide Full Policy Wording
19	Premium 24 hour assistance provided	EMERGENCY ASSISTANCE SERVICES Medical Referral If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local quali ed doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest. Traveling Companion Assistance If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home. Emergency Cash Transfer If your cash or traveler’s checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler’s checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you. Legal Referral The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees. Locating Lost or Stolen Items The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions. Replacement of Medication and Eyeglasses The assistance provider will arrange to ll a prescription that has been lost, stolen or requires a re ll, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription re ll, etc. are your responsibility. The re ll may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician. Embassy and Consular Services The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates. Worldwide Medical Information The assistance provider can provide necessary inoculation and vaccination information, and detailed general health and medical descriptions of destinations around the world. Interpretation/Translation The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents. Emergency Message Relay Emergency messages can be relayed to and from friends, relatives, personal physicians and employers. Pet Return The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency. Vehicle Return The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle. ON DEMAND MEDICAL CARE Teladoc Teladoc offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Teledoc services may not be available in all states, and international services may be limited. No Out-of-Pocket Medical Expense If you develop an acute illness while on your trip that requires treatment by a physician, you should first call the Emergency Hotline to obtain the name of a local qualified physician in the assistance provider’s network. If an in-network physician is available, the assistance provider will schedule the medical visit and guarantee payment to the physician for a medical visit not to exceed $1000. This service is only available provided there is coverage for the acute illness under the Medical and Dental coverage and is subject to all restrictions, limitations and exclusions provided in the policy. This service is not applicable to expenses for emergency dental treatment. Read Hide Full Policy Wording
	EMERGENCY ASSISTANCE SERVICES Medical Referral If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local quali ed doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest. Traveling Companion Assistance If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home. Emergency Cash Transfer If your cash or traveler’s checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler’s checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you. Legal Referral The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees. Locating Lost or Stolen Items The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions. Replacement of Medication and Eyeglasses The assistance provider will arrange to ll a prescription that has been lost, stolen or requires a re ll, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription re ll, etc. are your responsibility. The re ll may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician. Embassy and Consular Services The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates. Worldwide Medical Information The assistance provider can provide necessary inoculation and vaccination information, and detailed general health and medical descriptions of destinations around the world. Interpretation/Translation The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents. Emergency Message Relay Emergency messages can be relayed to and from friends, relatives, personal physicians and employers. Pet Return The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency. Vehicle Return The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle. ON DEMAND MEDICAL CARE Teladoc Teladoc offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Teledoc services may not be available in all states, and international services may be limited. No Out-of-Pocket Medical Expense If you develop an acute illness while on your trip that requires treatment by a physician, you should first call the Emergency Hotline to obtain the name of a local qualified physician in the assistance provider’s network. If an in-network physician is available, the assistance provider will schedule the medical visit and guarantee payment to the physician for a medical visit not to exceed $1000. This service is only available provided there is coverage for the acute illness under the Medical and Dental coverage and is subject to all restrictions, limitations and exclusions provided in the policy. This service is not applicable to expenses for emergency dental treatment. Read Hide Full Policy Wording

GeoBlue
Policy Name and Summary of Coverage		Full Policy Wording
20	Voyager Choice excl US 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
21	Voyager Essential excl US 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
22	Trekker Choice excl US 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
23	Trekker Essential excl US 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording

HTH Travel Insurance
Policy Name and Summary of Coverage		Full Policy Wording
24	TripProtector Preferred 24 hour assistance provided	24 Hour Assistance provided. Read Hide Full Policy Wording
	24 Hour Assistance provided. Read Hide Full Policy Wording
25	TripProtector Economy 24 hour assistance provided	24 Hour Assistance provided. Read Hide Full Policy Wording
	24 Hour Assistance provided. Read Hide Full Policy Wording
26	TripProtector Classic 24 hour assistance provided	24 Hour Assistance provided. Read Hide Full Policy Wording
	24 Hour Assistance provided. Read Hide Full Policy Wording

IMG
Policy Name and Summary of Coverage		Full Policy Wording
27	iTravelInsured Travel Lite 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording
28	iTravelInsured Travel SE 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording
29	Patriot America Plus 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
30	iTravelInsured Travel LX Basic 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording
31	iTravelInsured Travel Essential 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording
32	Patriot America Platinum 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
33	Patriot America Lite 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
34	Patriot International Lite 24 hour assistance provided	24 Hour Assistance Provided. Read Hide Full Policy Wording
	24 Hour Assistance Provided. Read Hide Full Policy Wording
35	Patriot International Platinum 24 hour assistance provided	24 Hour Assistance provided. Read Hide Full Policy Wording
	24 Hour Assistance provided. Read Hide Full Policy Wording
36	iTravelInsured Choice 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording

John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage		Full Policy Wording
37	Bronze 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording
38	Silver 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording
39	Gold 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording

MedjetAssist
Policy Name and Summary of Coverage		Full Policy Wording
40	Annual Membership 24 hour assistance provided	MEDICAL MONITORING/CONSULTATION As soon as Medjet is notified of a Member’s medical situation, Medjet staff will establish communication with both the family and the local attending medical provider, obtain a full understanding of the situation and begin to monitor the Member’s condition. Medjet staff will stay in communication with local medical personnel and relay necessary information to the Member and, upon request, his or her family or employer until the situation is resolved and either the Member is able to resume travel or a medical transport is initiated. EMERGENCY MESSAGE RELAY Members may send and receive emergency messages to and from relatives, friends and business associates toll-free, 24 hours a day through the Medjet staff. PHYSICIAN AND FACILITY CONTACT INFORMATION Upon request, Medjet representatives will provide the member with open source contact information for doctors and hospitals in the area where the Member is traveling. The Member is solely responsible for the selection and payment of the medical care provider. Medjet makes no representations regarding the qualifications or appropriateness of any medical care provider. Such determination shall be solely the Member’s responsibility. This service is not a medical referral to a physician or facility and should not be inferred as such. TELEPHONE INTERPRETATION Members can receive assistance with foreign-language interpretation over the telephone when they are having difficulty communicating with local medical specialists by calling our toll-free number (800-527-7478) in the U.S., Canada or Caribbean, or calling collect from anywhere in the world (205-595-6626). ATTORNEY CONTACT INFORMATION Upon request, Medjet representatives will provide the member with open source contact information for attorneys in the areas in which the Member is traveling. The Member is solely responsible for the selection and payment of the legal service provider of their choosing. Medjet makes no representations regarding the qualifications or appropriateness of any legal services provider; such determination shall be solely the Member’s responsibility. This service is not a legal referral to an attorney and should not be inferred as such. Read Hide Full Policy Wording
	MEDICAL MONITORING/CONSULTATION As soon as Medjet is notified of a Member’s medical situation, Medjet staff will establish communication with both the family and the local attending medical provider, obtain a full understanding of the situation and begin to monitor the Member’s condition. Medjet staff will stay in communication with local medical personnel and relay necessary information to the Member and, upon request, his or her family or employer until the situation is resolved and either the Member is able to resume travel or a medical transport is initiated. EMERGENCY MESSAGE RELAY Members may send and receive emergency messages to and from relatives, friends and business associates toll-free, 24 hours a day through the Medjet staff. PHYSICIAN AND FACILITY CONTACT INFORMATION Upon request, Medjet representatives will provide the member with open source contact information for doctors and hospitals in the area where the Member is traveling. The Member is solely responsible for the selection and payment of the medical care provider. Medjet makes no representations regarding the qualifications or appropriateness of any medical care provider. Such determination shall be solely the Member’s responsibility. This service is not a medical referral to a physician or facility and should not be inferred as such. TELEPHONE INTERPRETATION Members can receive assistance with foreign-language interpretation over the telephone when they are having difficulty communicating with local medical specialists by calling our toll-free number (800-527-7478) in the U.S., Canada or Caribbean, or calling collect from anywhere in the world (205-595-6626). ATTORNEY CONTACT INFORMATION Upon request, Medjet representatives will provide the member with open source contact information for attorneys in the areas in which the Member is traveling. The Member is solely responsible for the selection and payment of the legal service provider of their choosing. Medjet makes no representations regarding the qualifications or appropriateness of any legal services provider; such determination shall be solely the Member’s responsibility. This service is not a legal referral to an attorney and should not be inferred as such. Read Hide Full Policy Wording
41	MedjetAssist Extended Stay 24 hour assistance provided	MEDICAL MONITORING/CONSULTATION As soon as Medjet is notified of a Member’s medical situation, Medjet staff will establish communication with both the family and the local attending medical provider, obtain a full understanding of the situation and begin to monitor the Member’s condition. Medjet staff will stay in communication with local medical personnel and relay necessary information to the Member and upon request, his or her family or employer until the situation is resolved and either the Member is able to resume travel or a medical transport is initiated. EMERGENCY MESSAGE RELAY Members may send and receive emergency messages to and from relatives, friends and business associates toll-free, 24 hours a day through the Medjet staff. PHYSICIAN AND FACILITY CONTACT INFORMATION Upon request, Medjet representatives will provide the Member with open source contact information for doctors and hospitals in the area where the Member is traveling. The Member is solely responsible for the selection and payment of the medical care provider. Medjet makes no representations regarding the qualifications or appropriateness of any medical care provider; such determination shall be solely the Member’s responsibility. This service is not a medical referral to a physician or facility and should not be inferred as such. TELEPHONE INTERPRETATION Members can receive assistance with foreign language interpretation over the telephone when they are having difficulty communicating with local medical specialists by calling our toll-free number (800-527- 7478) in the U.S., Canada or the Caribbean, or calling collect from anywhere in the world (205-595-6626). ATTORNEY CONTACT INFORMATION Upon request, Medjet representatives will provide the Member with open source contact information for attorneys in the area in which the Member is traveling. The Member is solely responsible for the selection and payment of the legal service provider. Medjet makes no representations regarding the qualifications or appropriateness of any legal services provider; such determination shall be solely the Member’s responsibility. This service is not a legal referral to an attorney and should not be inferred as such. Read Hide Full Policy Wording
	MEDICAL MONITORING/CONSULTATION As soon as Medjet is notified of a Member’s medical situation, Medjet staff will establish communication with both the family and the local attending medical provider, obtain a full understanding of the situation and begin to monitor the Member’s condition. Medjet staff will stay in communication with local medical personnel and relay necessary information to the Member and upon request, his or her family or employer until the situation is resolved and either the Member is able to resume travel or a medical transport is initiated. EMERGENCY MESSAGE RELAY Members may send and receive emergency messages to and from relatives, friends and business associates toll-free, 24 hours a day through the Medjet staff. PHYSICIAN AND FACILITY CONTACT INFORMATION Upon request, Medjet representatives will provide the Member with open source contact information for doctors and hospitals in the area where the Member is traveling. The Member is solely responsible for the selection and payment of the medical care provider. Medjet makes no representations regarding the qualifications or appropriateness of any medical care provider; such determination shall be solely the Member’s responsibility. This service is not a medical referral to a physician or facility and should not be inferred as such. TELEPHONE INTERPRETATION Members can receive assistance with foreign language interpretation over the telephone when they are having difficulty communicating with local medical specialists by calling our toll-free number (800-527- 7478) in the U.S., Canada or the Caribbean, or calling collect from anywhere in the world (205-595-6626). ATTORNEY CONTACT INFORMATION Upon request, Medjet representatives will provide the Member with open source contact information for attorneys in the area in which the Member is traveling. The Member is solely responsible for the selection and payment of the legal service provider. Medjet makes no representations regarding the qualifications or appropriateness of any legal services provider; such determination shall be solely the Member’s responsibility. This service is not a legal referral to an attorney and should not be inferred as such. Read Hide Full Policy Wording
42	MedjetAssist Short Term Plan 24 hour assistance provided	MEDICAL MONITORING/CONSULTATION As soon as Medjet is notified of a Member’s medical situation, Medjet staff will establish communication with both the family and the local attending medical provider, obtain a full understanding of the situation and begin to monitor the Member’s condition. Medjet staff will stay in communication with local medical personnel and relay necessary information to the Member and upon request, his or her family or employer until the situation is resolved and either the Member is able to resume travel or a medical transport is initiated. EMERGENCY MESSAGE RELAY Members may send and receive emergency messages to and from relatives, friends and business associates toll-free, 24 hours a day through the Medjet staff. PHYSICIAN AND FACILITY CONTACT INFORMATION Upon request, Medjet representatives will provide the Member with open source contact information for doctors and hospitals in the area where the Member is traveling. The Member is solely responsible for the selection and payment of the medical care provider. Medjet makes no representations regarding the qualifications or appropriateness of any medical care provider; such determination shall be solely the Member’s responsibility. This service is not a medical referral to a physician or facility and should not be inferred as such. TELEPHONE INTERPRETATION Members can receive assistance with foreign language interpretation over the telephone when they are having difficulty communicating with local medical specialists by calling our toll-free number (800-527- 7478) in the U.S., Canada or the Caribbean, or calling collect from anywhere in the world (205-595-6626). ATTORNEY CONTACT INFORMATION Upon request, Medjet representatives will provide the Member with open source contact information for attorneys in the area in which the Member is traveling. The Member is solely responsible for the selection and payment of the legal service provider. Medjet makes no representations regarding the qualifications or appropriateness of any legal services provider; such determination shall be solely the Member’s responsibility. This service is not a legal referral to an attorney and should not be inferred as such. Read Hide Full Policy Wording
	MEDICAL MONITORING/CONSULTATION As soon as Medjet is notified of a Member’s medical situation, Medjet staff will establish communication with both the family and the local attending medical provider, obtain a full understanding of the situation and begin to monitor the Member’s condition. Medjet staff will stay in communication with local medical personnel and relay necessary information to the Member and upon request, his or her family or employer until the situation is resolved and either the Member is able to resume travel or a medical transport is initiated. EMERGENCY MESSAGE RELAY Members may send and receive emergency messages to and from relatives, friends and business associates toll-free, 24 hours a day through the Medjet staff. PHYSICIAN AND FACILITY CONTACT INFORMATION Upon request, Medjet representatives will provide the Member with open source contact information for doctors and hospitals in the area where the Member is traveling. The Member is solely responsible for the selection and payment of the medical care provider. Medjet makes no representations regarding the qualifications or appropriateness of any medical care provider; such determination shall be solely the Member’s responsibility. This service is not a medical referral to a physician or facility and should not be inferred as such. TELEPHONE INTERPRETATION Members can receive assistance with foreign language interpretation over the telephone when they are having difficulty communicating with local medical specialists by calling our toll-free number (800-527- 7478) in the U.S., Canada or the Caribbean, or calling collect from anywhere in the world (205-595-6626). ATTORNEY CONTACT INFORMATION Upon request, Medjet representatives will provide the Member with open source contact information for attorneys in the area in which the Member is traveling. The Member is solely responsible for the selection and payment of the legal service provider. Medjet makes no representations regarding the qualifications or appropriateness of any legal services provider; such determination shall be solely the Member’s responsibility. This service is not a legal referral to an attorney and should not be inferred as such. Read Hide Full Policy Wording

Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage		Full Policy Wording
43	Essential 24 hour assistance provided	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services - Emergency Medical Evacuation/Medically-Necessary Repatriation - Repatriation of Mortal Remains - Transportation after Stabilization - Visit by Family Member/Friend - Return of Dependent Children Travel Support Services - Medical Monitoring - Hotel Arrangements for Convalescence - Medical and Dental Search and Referral - Advance of Emergency Medical Expenses - Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses - Transfer of Insurance Information and Medical Records - Assistance with Emergency Travel Arrangements - Interpretation/Translation - Locating Lost or Stolen Items - Emergency Cash Advance Travel Assistance Services Details Travel Support Services - Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. - Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. - Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. - Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. - Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. - Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. - Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. - Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: - Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. - Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. - Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. - Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services - Emergency Medical Evacuation/Medically-Necessary Repatriation - Repatriation of Mortal Remains - Transportation after Stabilization - Visit by Family Member/Friend - Return of Dependent Children Travel Support Services - Medical Monitoring - Hotel Arrangements for Convalescence - Medical and Dental Search and Referral - Advance of Emergency Medical Expenses - Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses - Transfer of Insurance Information and Medical Records - Assistance with Emergency Travel Arrangements - Interpretation/Translation - Locating Lost or Stolen Items - Emergency Cash Advance Travel Assistance Services Details Travel Support Services - Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. - Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. - Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. - Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. - Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. - Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. - Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. - Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: - Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. - Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. - Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. - Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
44	Prime 24 hour assistance provided	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services -Emergency Medical Evacuation/Medically-Necessary Repatriation -Repatriation of Mortal Remains -Transportation after Stabilization -Visit by Family Member/Friend -Return of Dependent Children Travel Support Services -Medical Monitoring -Hotel Arrangements for Convalescence -Medical and Dental Search and Referral -Advance of Emergency Medical Expenses -Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses -Transfer of Insurance Information and Medical Records -Assistance with Emergency Travel Arrangements -Interpretation/Translation -Locating Lost or Stolen Items -Emergency Cash Advance Travel Assistance Services Details Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services -Emergency Medical Evacuation/Medically-Necessary Repatriation -Repatriation of Mortal Remains -Transportation after Stabilization -Visit by Family Member/Friend -Return of Dependent Children Travel Support Services -Medical Monitoring -Hotel Arrangements for Convalescence -Medical and Dental Search and Referral -Advance of Emergency Medical Expenses -Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses -Transfer of Insurance Information and Medical Records -Assistance with Emergency Travel Arrangements -Interpretation/Translation -Locating Lost or Stolen Items -Emergency Cash Advance Travel Assistance Services Details Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
45	Cruise Universal 24 hour assistance provided	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services - Emergency Medical Evacuation/Medically-Necessary Repatriation - Repatriation of Mortal Remains - Transportation after Stabilization - Visit by Family Member/Friend - Return of Dependent Children Travel Support Services - Medical Monitoring - Hotel Arrangements for Convalescence - Medical and Dental Search and Referral - Advance of Emergency Medical Expenses - Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses - Transfer of Insurance Information and Medical Records - Assistance with Emergency Travel Arrangements - Interpretation/Translation - Locating Lost or Stolen Items - Emergency Cash Advance Travel Assistance Services Details Travel Support Services - Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. - Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. - Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. - Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. - Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. - Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. - Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. - Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. - Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: - Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. - Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. - Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. - Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services - Emergency Medical Evacuation/Medically-Necessary Repatriation - Repatriation of Mortal Remains - Transportation after Stabilization - Visit by Family Member/Friend - Return of Dependent Children Travel Support Services - Medical Monitoring - Hotel Arrangements for Convalescence - Medical and Dental Search and Referral - Advance of Emergency Medical Expenses - Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses - Transfer of Insurance Information and Medical Records - Assistance with Emergency Travel Arrangements - Interpretation/Translation - Locating Lost or Stolen Items - Emergency Cash Advance Travel Assistance Services Details Travel Support Services - Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. - Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. - Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. - Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. - Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. - Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. - Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. - Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. - Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: - Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. - Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. - Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. - Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
46	Cruise Choice 24 hour assistance provided	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services Emergency Medical Evacuation/Medically-Necessary Repatriation • Repatriation of Mortal Remains • Transportation after Stabilization • Visit by Family Member/Friend • Return of Dependent Children Travel Support Services Medical Monitoring • Hotel Arrangements for Convalescence • Medical and Dental Search and Referral • Advance of Emergency Medical Expenses • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses • Transfer of Insurance Information and Medical Records • Assistance with Emergency Travel Arrangements • Interpretation/Translation • Locating Lost or Stolen Items • Emergency Cash Advance Travel Assistance Services Details Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services Emergency Medical Evacuation/Medically-Necessary Repatriation • Repatriation of Mortal Remains • Transportation after Stabilization • Visit by Family Member/Friend • Return of Dependent Children Travel Support Services Medical Monitoring • Hotel Arrangements for Convalescence • Medical and Dental Search and Referral • Advance of Emergency Medical Expenses • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses • Transfer of Insurance Information and Medical Records • Assistance with Emergency Travel Arrangements • Interpretation/Translation • Locating Lost or Stolen Items • Emergency Cash Advance Travel Assistance Services Details Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
47	Cruise Luxury 24 hour assistance provided	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services -Emergency Medical Evacuation/Medically-Necessary Repatriation -Repatriation of Mortal Remains -Transportation after Stabilization -Visit by Family Member/Friend -Return of Dependent Children Travel Support Services -Medical Monitoring -Hotel Arrangements for Convalescence -Medical and Dental Search and Referral -Advance of Emergency Medical Expenses -Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses -Transfer of Insurance Information and Medical Records -Assistance with Emergency Travel Arrangements -Interpretation/Translation -Locating Lost or Stolen Items -Emergency Cash Advance Travel Assistance Services Details Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording
	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services -Emergency Medical Evacuation/Medically-Necessary Repatriation -Repatriation of Mortal Remains -Transportation after Stabilization -Visit by Family Member/Friend -Return of Dependent Children Travel Support Services -Medical Monitoring -Hotel Arrangements for Convalescence -Medical and Dental Search and Referral -Advance of Emergency Medical Expenses -Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses -Transfer of Insurance Information and Medical Records -Assistance with Emergency Travel Arrangements -Interpretation/Translation -Locating Lost or Stolen Items -Emergency Cash Advance Travel Assistance Services Details Travel Support Services • Interpretation/Translation: Upon request, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Locating Lost or Stolen Items: On Call will assist in locating lost luggage, and help you coordinate the replacement of transportation tickets, travel documents or credit cards. • Medical Monitoring: During the course of a medical emergency resulting from an accident or sickness, On Call will monitor your case to determine whether the care is adequate from a Western Medical perspective. • Medical and Dental Search and Referral: On Call will assist you in finding physicians, dentists and medical facilities in the area where you are traveling. • Advance of Emergency Medical Expenses: On Call will advance on-site emergency inpatient medical payments to secure admit or discharge upon receipt of satisfactory assignment of benefits from you, a family member or friend. Assignment of benefits allows Insurer to claim with the Insured’s primary insurance when hospital refuses admission or discharge. • Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses: On Call will arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. You are responsible for payments of all costs related to these services. • Transfer of Insurance Information and Medical Records: Upon your request, On Call will help relay insurance information during your hospital admission and assist with transferring your medical information and records to your treating physician. • Assistance with Vaccine and Blood Transfers: If based upon your physician’s prescription, needed vaccines or blood products are not available locally, On Call will coordinate the transfer where possible and permissible by law. You are responsible for all expenses related to this service. Non-Insurance Personal Assistance Services These are Non-Insurance Services provided by On Call International: • Pre-Trip Information: Upon request, On Call will provide information services such as: visa and passport requirements, health hazard advisories, currency exchange, inoculation and immunization requirements, temperature and weather conditions and embassy and consulate referrals. • Interpretation/Translation: If during your Trip you need an interpretation, On Call will assist with telephone interpretation in all major languages. If you require ongoing or more complex translation services, On Call will refer you to local translators. • Legal Referral/Bail: Upon request, On Call will provide you with referrals to a local lawyer. All costs associated with this service are your responsibility. In case of your incarceration, On Call will notify the proper embassy or consulate, arrange the receipt of funds from third party sources and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, family member or friend. You are responsible for associated fees. • Emergency Cash Advance: On Call will advance up to $500 after satisfactory guarantee of reimbursement from you. Any fees associated with the transfer or delivery of funds are your responsibility. Read Hide Full Policy Wording

Seven Corners
Policy Name and Summary of Coverage		Full Policy Wording
48	Trip Protection Choice 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
49	Trip Protection Basic 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
50	Travel Medical Basic incl US 24 hour assistance provided	7.1 Travel Assistance Services Upon enrollment, You are eligible to use any of the assistance services provided by Seven Corners Assist. These services are available twenty-four (24) hours per day, three hundred sixtyfive (365) days per year. Multilingual personnel, physicians, and nurses are on staff and can assist with, among other things, emergency situations and locating medical facilities. Read Hide Full Policy Wording
	7.1 Travel Assistance Services Upon enrollment, You are eligible to use any of the assistance services provided by Seven Corners Assist. These services are available twenty-four (24) hours per day, three hundred sixtyfive (365) days per year. Multilingual personnel, physicians, and nurses are on staff and can assist with, among other things, emergency situations and locating medical facilities. Read Hide Full Policy Wording
51	Travel Medical Choice incl US 24 hour assistance provided	6.1 Travel Assistance Services. Upon enrollment, You are eligible to use any of the assistance services provided by Seven Corners Assist. These services are available twenty-four (24) hours per day, three hundred sixtyfive (365) days per year. Multilingual personnel, physicians, and nurses are on staff and can assist with, among other things, emergency situations and locating medical facilities. Read Hide Full Policy Wording
	6.1 Travel Assistance Services. Upon enrollment, You are eligible to use any of the assistance services provided by Seven Corners Assist. These services are available twenty-four (24) hours per day, three hundred sixtyfive (365) days per year. Multilingual personnel, physicians, and nurses are on staff and can assist with, among other things, emergency situations and locating medical facilities. Read Hide Full Policy Wording
52	Cruise 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording

Tin Leg
Policy Name and Summary of Coverage		Full Policy Wording
53	Economy 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing credit bureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing credit bureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
54	Economy 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
55	Standard 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing credit bureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing credit bureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
56	Standard 24 hour assistance provided	24 hour assistance provided. Read Hide Full Policy Wording
	24 hour assistance provided. Read Hide Full Policy Wording
57	Luxury 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing credit bureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing credit bureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
58	Luxury 24 hour assistance provided	24 hour assistance provided. Read Hide Full Policy Wording
	24 hour assistance provided. Read Hide Full Policy Wording
59	Adventure 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing creditbureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing creditbureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
60	Adventure 24 hour assistance provided	24 hour assistance provided. Read Hide Full Policy Wording
	24 hour assistance provided. Read Hide Full Policy Wording
61	Gold 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording
62	Basic 24 hour assistance provided	Non-Insurance Assistance Services* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendaঞons • Floral services Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
	Non-Insurance Assistance Services* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendaঞons • Floral services Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
63	Platinum 24 hour assistance provided	Non-Insurance Assistance Services* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendaঞons • Floral services Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
	Non-Insurance Assistance Services* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Tin Leg offers assistance through an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the traveler’s responsibility. Travel Medical Assistance • Emergency-medical-transportation assistance • Physician/hospital/dental/vision referrals • Assistance with repatriation of mortal remains • Return travel arrangements • Emergency prescription-replacement assistance • Dispatch of doctor or specialist • Medical-evacuation quote • Inpatient and outpatient medical case management • Qualified liaison for relaying medical information to family members • Arrangements for visitor to bedside of hospitalized Insured • Eyeglasses and corrective-lens replacement assistance • Medical payment arrangements • Medical cost-containment/expense recovery and overseas investigation • Medical-bill audits • Coordinate shipment of medical records • Assistance with medical-equipment rental/replacement Worldwide Travel Assistance • Lost-baggage search; stolen-luggage-replacement assistance • Lost passport/travel documents assistance • ATM locator • Emergency-cash-transfer assistance • Travel information including visa/passport requirements • Emergency telephone-interpretation assistance • Urgent-message relay to family, friends or business associates • Up-to-the-minute travel-delay reports • Arrangements for long-distance calling cards for worldwide telephoning • Inoculation information • Embassy or consulate referral • Currency conversion or purchase assistance • Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures • Up-to-the-minute travel-supplier strike information • Legal referrals/bail-bond assistance • Worldwide public-holiday information Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendaঞons • Floral services Emergency Assistance • Flight rebooking • Hotel rebooking • Rental-vehicle booking • Emergency-return-travel arrangements • Roadside assistance locator • Rental-vehicle-return assistance • Guaranteed hotel check-in • Missed-connections coordination • Business assistant • Business service-location assistance (quick printers, internet cafes, overnight delivery, etc.) • “411” global directory service • Wireless accessory replacement assistance • Business conference-call coordination • Urgent messaging to clients, colleagues and family members • Up-to-the-minute travel delay and departure reports • Driving and walking directions • Emergency return-travel arrangements Roadside Assistance 24-Hour Roadside-Assistance Services • Towing Assistance— When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. • Flat-Tire Assistance — Service consists of the replacement of a flat tire with the covered vehicle’s spare tire. • Towing assistance will be provided if needed. • Oil, Fluid, and Water Delivery Service — An emergency supply of oil, fluid, and water will be delivered to any covered vehicle in immediate need. The customer must pay for cost of the fluids if there is one. • Fuel-Delivery Service — An emergency supply of fuel will be delivered to any covered vehicle in immediate need. The customer must pay for the cost of the fluids if there is one. • Lockout Assistance — Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance — Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance — If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. Vehicle-Return Assistance Makes arrangement for the return of your automobile back to your primary residence should you become ill/injured and unable to drive. *Non-insurance services are provided by Tin Leg. Read Hide Full Policy Wording
64	Silver 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording
65	Cruise 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording

Travel Insured International
Policy Name and Summary of Coverage		Full Policy Wording
66	Worldwide Trip Protector Plus 24 hour assistance provided	Worldwide Non-Insurance Assistance Services The Travel Assistance feature provides a variety of travel related services. Services offered include: • Medical or Legal Referral • Inoculation Information • Hospital Admission Guarantee • Translation Service • Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash Advance • Bail Bond • Prescription Drug/Eyeglass Replacement • ID Theft Resolution Service • Concierge Service • Business Concierge 24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service, Business Concierge and ID Theft Resolution Service FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL: 800-494-9907 (From US/Canada) OR CALL COLLECT: 603-328-1707 (From all other locations) Travel assistance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation. AVAILABILITY OF SERVICES You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts. IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to pre-event status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit. CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items. Services offered include: • Destination Profiles • Epicurean Needs • Event Ticketing • Floral Services • Tee Time Reservations • Hotel Accommodations • Meet-And-Greet Services • Shopping Assistance Services • Pre-Trip Assistance • Procurement of Hard-To-Find Items • Restaurant Referrals and Reservations • Rental Car Reservations • Airline Reservations BUSINESS CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties. Services offered include: • Emergency Correspondence And Business Communication Assistance • Assistance With Locating Available Business Services Such As: Express/Overnight Delivery Sites, Internet Cafes, Print/Copy Services • Assistance With Or Arrangements For Telephone And Web Conferencing • Emergency Messaging To Customers, Associates, And Others (Phone, Fax, E-mail, Text, etc.) • Real Time Weather, Travel Delay And Flight Status Information • Worldwide Business Directory Service For Equipment Repair/Replacement, Warranty Service, etc. • Emergency Travel Arrangements Read Hide Full Policy Wording
	Worldwide Non-Insurance Assistance Services The Travel Assistance feature provides a variety of travel related services. Services offered include: • Medical or Legal Referral • Inoculation Information • Hospital Admission Guarantee • Translation Service • Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash Advance • Bail Bond • Prescription Drug/Eyeglass Replacement • ID Theft Resolution Service • Concierge Service • Business Concierge 24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service, Business Concierge and ID Theft Resolution Service FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL: 800-494-9907 (From US/Canada) OR CALL COLLECT: 603-328-1707 (From all other locations) Travel assistance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation. AVAILABILITY OF SERVICES You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts. IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to pre-event status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit. CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items. Services offered include: • Destination Profiles • Epicurean Needs • Event Ticketing • Floral Services • Tee Time Reservations • Hotel Accommodations • Meet-And-Greet Services • Shopping Assistance Services • Pre-Trip Assistance • Procurement of Hard-To-Find Items • Restaurant Referrals and Reservations • Rental Car Reservations • Airline Reservations BUSINESS CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties. Services offered include: • Emergency Correspondence And Business Communication Assistance • Assistance With Locating Available Business Services Such As: Express/Overnight Delivery Sites, Internet Cafes, Print/Copy Services • Assistance With Or Arrangements For Telephone And Web Conferencing • Emergency Messaging To Customers, Associates, And Others (Phone, Fax, E-mail, Text, etc.) • Real Time Weather, Travel Delay And Flight Status Information • Worldwide Business Directory Service For Equipment Repair/Replacement, Warranty Service, etc. • Emergency Travel Arrangements Read Hide Full Policy Wording
67	Worldwide Trip Protector 24 hour assistance provided	WORLDWIDE NON-INSURANCE ASSISTANCE SERVICES The Travel Assistance feature provides a variety of travel related services. Services offered include: • Medical or Legal Referral • Inoculation Information • Hospital Admission Guarantee • Telemedicine • House Calls • Translation Service • Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash Advance • Bail Bond • Prescription Drug/Eyeglass Replacement • ID Theft Resolution Service • Concierge Service • Business Concierge 24/7 Worldwide Non-Insurance Assistance Services Travel Assistance, Medical Emergency, Concierge Service, Business Concierge, and ID Theft Resolution Service FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL: 800-494-9907 (From US/Canada) OR CALL COLLECT: 603-328-1707 (From all other locations) Travel assistance non-insurance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation. AVAILABILITY OF SERVICES You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts. IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit. CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items. Services offered include: • Destination Profiles • Epicurean Needs • Event Ticketing • Floral Services • Tee Time Reservations • Hotel Accommodations • Meet-And-Greet Services • Shopping Assistance Services • Pre-Trip Assistance • Procurement of Hard-To-Find Items • Restaurant Referrals and Reservations • Rental Car Reservations • Airline Reservations BUSINESS CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties. Services offered include: • Emergency Correspondence And Business Communication Assistance • Assistance With Locating Available Business Services Such As: Express/Overnight Delivery Sites, Internet Cafes, Print/Copy Services • Assistance With Or Arrangements For Telephone And Web Conferencing • Emergency Messaging To Customers, Associates, And Others (Phone, Fax, E-mail, Text, etc.) • Real Time Weather, Travel Delay And Flight Status Information • Worldwide Business Directory Service For Equipment Repair/Replacement, Warranty Service, etc. • Emergency Travel Arrangements Read Hide Full Policy Wording
	WORLDWIDE NON-INSURANCE ASSISTANCE SERVICES The Travel Assistance feature provides a variety of travel related services. Services offered include: • Medical or Legal Referral • Inoculation Information • Hospital Admission Guarantee • Telemedicine • House Calls • Translation Service • Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash Advance • Bail Bond • Prescription Drug/Eyeglass Replacement • ID Theft Resolution Service • Concierge Service • Business Concierge 24/7 Worldwide Non-Insurance Assistance Services Travel Assistance, Medical Emergency, Concierge Service, Business Concierge, and ID Theft Resolution Service FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL: 800-494-9907 (From US/Canada) OR CALL COLLECT: 603-328-1707 (From all other locations) Travel assistance non-insurance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation. AVAILABILITY OF SERVICES You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts. IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit. CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items. Services offered include: • Destination Profiles • Epicurean Needs • Event Ticketing • Floral Services • Tee Time Reservations • Hotel Accommodations • Meet-And-Greet Services • Shopping Assistance Services • Pre-Trip Assistance • Procurement of Hard-To-Find Items • Restaurant Referrals and Reservations • Rental Car Reservations • Airline Reservations BUSINESS CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties. Services offered include: • Emergency Correspondence And Business Communication Assistance • Assistance With Locating Available Business Services Such As: Express/Overnight Delivery Sites, Internet Cafes, Print/Copy Services • Assistance With Or Arrangements For Telephone And Web Conferencing • Emergency Messaging To Customers, Associates, And Others (Phone, Fax, E-mail, Text, etc.) • Real Time Weather, Travel Delay And Flight Status Information • Worldwide Business Directory Service For Equipment Repair/Replacement, Warranty Service, etc. • Emergency Travel Arrangements Read Hide Full Policy Wording
68	Worldwide Trip Protector Edge 24 hour assistance provided	WORLDWIDE NON-INSURANCE ASSISTANCE SERVICES The Travel Assistance feature provides a variety of travel related services. Services offered include: • Medical or Legal Referral • Inoculation Information • Hospital Admission Guarantee • Telemedicine • House Calls • Translation Service • Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash Advance • Bail Bond • Prescription Drug/Eyeglass Replacement • ID Theft Resolution Service •Concierge Service • Business Concierge 24/7 Worldwide Non-Insurance Assistance Services Travel Assistance, Medical Emergency, Concierge Service, Business Concierge, and ID Theft Resolution Service FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL: 800-494-9907 (From US/Canada) OR CALL COLLECT: 603-328-1707 (From all other locations) Travel assistance non-insurance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation. AVAILABILITY OF SERVICES You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts. IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit. CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items. Services offered include: • Destination Profiles • Epicurean Needs • Event Ticketing • Floral Services • Tee Time Reservations • Hotel Accommodations • Meet-And-Greet Services • Shopping Assistance Services • Pre-Trip Assistance • Procurement of Hard-To-Find Items • Restaurant Referrals and Reservations • Rental Car Reservations • Airline Reservations BUSINESS CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties. Services offered include: • Emergency Correspondence And Business Communication Assistance • Assistance With Locating Available Business Services Such As: Express/Overnight Delivery Sites, Internet Cafes, Print/Copy Services • Assistance With Or Arrangements For Telephone And Web Conferencing • Emergency Messaging To Customers, Associates, And Others (Phone, Fax, E-mail, Text, etc.) • Real Time Weather, Travel Delay And Flight Status Information • Worldwide Business Directory Service For Equipment Repair/Replacement, Warranty Service, etc. • Emergency Travel Arrangements Read Hide Full Policy Wording
	WORLDWIDE NON-INSURANCE ASSISTANCE SERVICES The Travel Assistance feature provides a variety of travel related services. Services offered include: • Medical or Legal Referral • Inoculation Information • Hospital Admission Guarantee • Telemedicine • House Calls • Translation Service • Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash Advance • Bail Bond • Prescription Drug/Eyeglass Replacement • ID Theft Resolution Service •Concierge Service • Business Concierge 24/7 Worldwide Non-Insurance Assistance Services Travel Assistance, Medical Emergency, Concierge Service, Business Concierge, and ID Theft Resolution Service FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL: 800-494-9907 (From US/Canada) OR CALL COLLECT: 603-328-1707 (From all other locations) Travel assistance non-insurance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation. AVAILABILITY OF SERVICES You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts. IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit. CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items. Services offered include: • Destination Profiles • Epicurean Needs • Event Ticketing • Floral Services • Tee Time Reservations • Hotel Accommodations • Meet-And-Greet Services • Shopping Assistance Services • Pre-Trip Assistance • Procurement of Hard-To-Find Items • Restaurant Referrals and Reservations • Rental Car Reservations • Airline Reservations BUSINESS CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties. Services offered include: • Emergency Correspondence And Business Communication Assistance • Assistance With Locating Available Business Services Such As: Express/Overnight Delivery Sites, Internet Cafes, Print/Copy Services • Assistance With Or Arrangements For Telephone And Web Conferencing • Emergency Messaging To Customers, Associates, And Others (Phone, Fax, E-mail, Text, etc.) • Real Time Weather, Travel Delay And Flight Status Information • Worldwide Business Directory Service For Equipment Repair/Replacement, Warranty Service, etc. • Emergency Travel Arrangements Read Hide Full Policy Wording
69	FlexiPAX 24 hour assistance provided	WORLDWIDE NON-INSURANCE ASSISTANCE SERVICES The Travel Assistance feature provides a variety of travel related services. Services offered include: • Medical or Legal Referral • Inoculation Information • Hospital Admission Guarantee • Telemedicine • House Calls • Translation Service • Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash Advance • Bail Bond • Prescription Drug/Eyeglass Replacement • ID Theft Resolution Service • Concierge Service • Business Concierge 24/7 Worldwide Non-Insurance Assistance Services Travel Assistance, Medical Emergency, Concierge Service, Business Concierge, and ID Theft Resolution Service FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL: 800-494-9907 (From US/Canada) OR CALL COLLECT: 603-328-1707 (From all other locations) Travel assistance non-insurance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation. AVAILABILITY OF SERVICES You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts. IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a –guide on how to restore Your credit. CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items. Services offered include: • Destination Profiles • Epicurean Needs • Event Ticketing • Floral Services • Tee Time Reservations • Hotel Accommodations • Meet-And-Greet Services • Shopping Assistance Services • Pre-Trip Assistance • Procurement of Hard-To-Find Items • Restaurant Referrals and Reservations • Rental Car Reservations • Airline Reservations BUSINESS CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties. Services offered include: • Emergency Correspondence And Business Communication Assistance • Assistance With Locating Available Business Services Such As: Express/Overnight Delivery Sites, Internet Cafes, Print/Copy Services • Assistance With Or Arrangements For Telephone And Web Conferencing • Emergency Messaging To Customers, Associates, And Others (Phone, Fax, E-mail, Text, etc.) • Real Time Weather, Travel Delay And Flight Status Information • Worldwide Business Directory Service For Equipment Repair/Replacement, Warranty Service, etc. • Emergency Travel Arrangements Read Hide Full Policy Wording
	WORLDWIDE NON-INSURANCE ASSISTANCE SERVICES The Travel Assistance feature provides a variety of travel related services. Services offered include: • Medical or Legal Referral • Inoculation Information • Hospital Admission Guarantee • Telemedicine • House Calls • Translation Service • Lost Baggage Retrieval • Passport/Visa Information • Emergency Cash Advance • Bail Bond • Prescription Drug/Eyeglass Replacement • ID Theft Resolution Service • Concierge Service • Business Concierge 24/7 Worldwide Non-Insurance Assistance Services Travel Assistance, Medical Emergency, Concierge Service, Business Concierge, and ID Theft Resolution Service FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL: 800-494-9907 (From US/Canada) OR CALL COLLECT: 603-328-1707 (From all other locations) Travel assistance non-insurance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation. AVAILABILITY OF SERVICES You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts. IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a –guide on how to restore Your credit. CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items. Services offered include: • Destination Profiles • Epicurean Needs • Event Ticketing • Floral Services • Tee Time Reservations • Hotel Accommodations • Meet-And-Greet Services • Shopping Assistance Services • Pre-Trip Assistance • Procurement of Hard-To-Find Items • Restaurant Referrals and Reservations • Rental Car Reservations • Airline Reservations BUSINESS CONCIERGE SERVICES Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties. Services offered include: • Emergency Correspondence And Business Communication Assistance • Assistance With Locating Available Business Services Such As: Express/Overnight Delivery Sites, Internet Cafes, Print/Copy Services • Assistance With Or Arrangements For Telephone And Web Conferencing • Emergency Messaging To Customers, Associates, And Others (Phone, Fax, E-mail, Text, etc.) • Real Time Weather, Travel Delay And Flight Status Information • Worldwide Business Directory Service For Equipment Repair/Replacement, Warranty Service, etc. • Emergency Travel Arrangements Read Hide Full Policy Wording

Travelex Insurance Services
Policy Name and Summary of Coverage		Full Policy Wording
70	Ultimate 24 hour assistance provided	TRAVEL ASSISTANCE SERVICES (Provided by Zurich Travel Assist) When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll-free number. Within USA & Canada: 800.555.0870 Outside USA & Canada: 416.977.1803 MEDICAL SERVICES • Medical Assistance – Our multi-lingual team operates within a best-practice framework that places your health and wellbeing at the heart of our decision-making. Our care includes 24/7 emergency assistance and medical case management and extends to vaccination support, medical assessments, counselling, and mobile telemedicine. We also provide information on local medical facilities, clinics, and other service providers. • Medical Consultation and Monitoring – If you become seriously ill or injured, we will provide medical monitoring of your condition. All medical cases are reviewed by our medical case management team at inception of the claim. All cases are risk rated for visibility and determine the number of contacts made to the treating physician and to you and your family. Medical monitoring is performed to ensure the appropriate level of care is provided and to determine the next steps within a case (i.e. if repatriation or evacuation is required). • Medical Evacuation – If you require medical attention of an emergency nature that is not available locally and determined to be medically necessary, you may be transported to a qualified facility capable of stabilizing and/or treating your medical needs. Zurich Travel Assist will make arrangements for ground/air transportation and accompanying medical care as needed. • Emergency Medical Payments – In order to avoid out-of-pocket expenses, Zurich Travel Assist will deal directly with the facility to arrange for the bills to be sent to the appropriate insurance carrier. If treatment or discharge is being denied without a deposit, Zurich Travel Assist can arrange for the deposit by debiting a credit card or receiving a bank wire from either the eligible insured person or other party when payability is not yet established. • Prescription Assistance – Zurich Travel Assist will arrange the replacement of medications that are lost, stolen, or spoiled during a Covered Trip, either locally or by special courier. • Dependent Transportation & Family Visits – Depending on the coverage provided in the travel plan, Zurich Travel Assist will arrange for the return home and escort expenses of a minor (age 18 or younger) if s/he is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult. If the travel plan provides the coverage, Zurich Travel Assist will arrange transportation for a person the Insured chooses to visit him/her if the Insured is traveling alone and hospitalized 7 days or more. • Repatriation of Remains – If the need arises in the event of death, we liaise with our panel of reputable providers, to arrange transport burial and cremations, or the careful return of mortal remains. While the assistance company strives to provide help and advice for unfortunate situations encountered by travelers, immediate resolution may not be possible due to the availability and circumstances beyond their control. The assistance company will make every reasonable effort to refer you to an appropriate medical and legal provider. Neither the Company, assistance company nor Travelex Insurance Services may be held responsible for the availability, quality, quantity or results of any medical treatment or service you may receive or your failure to obtain or receive medical treatment. Read Hide Full Policy Wording
	TRAVEL ASSISTANCE SERVICES (Provided by Zurich Travel Assist) When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll-free number. Within USA & Canada: 800.555.0870 Outside USA & Canada: 416.977.1803 MEDICAL SERVICES • Medical Assistance – Our multi-lingual team operates within a best-practice framework that places your health and wellbeing at the heart of our decision-making. Our care includes 24/7 emergency assistance and medical case management and extends to vaccination support, medical assessments, counselling, and mobile telemedicine. We also provide information on local medical facilities, clinics, and other service providers. • Medical Consultation and Monitoring – If you become seriously ill or injured, we will provide medical monitoring of your condition. All medical cases are reviewed by our medical case management team at inception of the claim. All cases are risk rated for visibility and determine the number of contacts made to the treating physician and to you and your family. Medical monitoring is performed to ensure the appropriate level of care is provided and to determine the next steps within a case (i.e. if repatriation or evacuation is required). • Medical Evacuation – If you require medical attention of an emergency nature that is not available locally and determined to be medically necessary, you may be transported to a qualified facility capable of stabilizing and/or treating your medical needs. Zurich Travel Assist will make arrangements for ground/air transportation and accompanying medical care as needed. • Emergency Medical Payments – In order to avoid out-of-pocket expenses, Zurich Travel Assist will deal directly with the facility to arrange for the bills to be sent to the appropriate insurance carrier. If treatment or discharge is being denied without a deposit, Zurich Travel Assist can arrange for the deposit by debiting a credit card or receiving a bank wire from either the eligible insured person or other party when payability is not yet established. • Prescription Assistance – Zurich Travel Assist will arrange the replacement of medications that are lost, stolen, or spoiled during a Covered Trip, either locally or by special courier. • Dependent Transportation & Family Visits – Depending on the coverage provided in the travel plan, Zurich Travel Assist will arrange for the return home and escort expenses of a minor (age 18 or younger) if s/he is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult. If the travel plan provides the coverage, Zurich Travel Assist will arrange transportation for a person the Insured chooses to visit him/her if the Insured is traveling alone and hospitalized 7 days or more. • Repatriation of Remains – If the need arises in the event of death, we liaise with our panel of reputable providers, to arrange transport burial and cremations, or the careful return of mortal remains. While the assistance company strives to provide help and advice for unfortunate situations encountered by travelers, immediate resolution may not be possible due to the availability and circumstances beyond their control. The assistance company will make every reasonable effort to refer you to an appropriate medical and legal provider. Neither the Company, assistance company nor Travelex Insurance Services may be held responsible for the availability, quality, quantity or results of any medical treatment or service you may receive or your failure to obtain or receive medical treatment. Read Hide Full Policy Wording
71	Essential 24 hour assistance provided	TRAVEL ASSISTANCE SERVICES (Provided by Zurich Travel Assist) When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll-free number. Within USA & Canada: 800.555.0870 Outside USA & Canada: 416.977.1803 Your Plan Number: EZ-1224 MEDICAL SERVICES • Medical Assistance – Our multi-lingual team operates within a best-practice framework that places your health and wellbeing at the heart of our decision-making. Our care includes 24/7 emergency assistance and medical case management and extends to vaccination support, medical assessments, counselling, and mobile telemedicine. We also provide information on local medical facilities, clinics, and other service providers. • Medical Consultation and Monitoring – If you become seriously ill or injured, we will provide medical monitoring of your condition. All medical cases are reviewed by our medical case management team at inception of the claim. All cases are risk rated for visibility and determine the number of contacts made to the treating physician and to you and your family. Medical monitoring is performed to ensure the appropriate level of care is provided and to determine the next steps within a case (i.e. if repatriation or evacuation is required). • Medical Evacuation – If you require medical attention of an emergency nature that is not available locally and determined to be medically necessary, you may be transported to a qualified facility capable of stabilizing and/or treating your medical needs. Zurich Travel Assist will make arrangements for ground/air transportation and accompanying medical care as needed. • Emergency Medical Payments – In order to avoid out-of-pocket expenses, Zurich Travel Assist will deal directly with the facility to arrange for the bills to be sent to the appropriate insurance carrier. If treatment or discharge is being denied without a deposit, Zurich Travel Assist can arrange for the deposit by debiting a credit card or receiving a bank wire from either the eligible insured person or other party when payability is not yet established. • Prescription Assistance – Zurich Travel Assist will arrange the replacement of medications that are lost, stolen, or spoiled during a Covered Trip, either locally or by special courier • Dependent Transportation & Family Visits – Depending on the coverage provided in the travel plan, Zurich Travel Assist will arrange for the return home and escort expenses of a minor (age 18 or younger) if s/he is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult. If the travel plan provides the coverage, Zurich Travel Assist will arrange transportation for a person the Insured chooses to visit him/her if the Insured is traveling alone and hospitalized 7 days or more. • Repatriation of Remains – If the need arises in the event of death, we liaise with our panel of reputable providers, to arrange transport burial and cremations, or the careful return of mortal remains. While the assistance company strives to provide help and advice for unfortunate situations encountered by travelers, immediate resolution may not be possible due to the availability and circumstances beyond their control. The assistance company will make every reasonable effort to refer you to an appropriate medical and legal provider. Neither the Company, assistance company nor Travelex Insurance Services may be held responsible for the availability, quality, quantity or results of any medical treatment or service you may receive or your failure to obtain or receive medical treatment. Read Hide Full Policy Wording
	TRAVEL ASSISTANCE SERVICES (Provided by Zurich Travel Assist) When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll-free number. Within USA & Canada: 800.555.0870 Outside USA & Canada: 416.977.1803 Your Plan Number: EZ-1224 MEDICAL SERVICES • Medical Assistance – Our multi-lingual team operates within a best-practice framework that places your health and wellbeing at the heart of our decision-making. Our care includes 24/7 emergency assistance and medical case management and extends to vaccination support, medical assessments, counselling, and mobile telemedicine. We also provide information on local medical facilities, clinics, and other service providers. • Medical Consultation and Monitoring – If you become seriously ill or injured, we will provide medical monitoring of your condition. All medical cases are reviewed by our medical case management team at inception of the claim. All cases are risk rated for visibility and determine the number of contacts made to the treating physician and to you and your family. Medical monitoring is performed to ensure the appropriate level of care is provided and to determine the next steps within a case (i.e. if repatriation or evacuation is required). • Medical Evacuation – If you require medical attention of an emergency nature that is not available locally and determined to be medically necessary, you may be transported to a qualified facility capable of stabilizing and/or treating your medical needs. Zurich Travel Assist will make arrangements for ground/air transportation and accompanying medical care as needed. • Emergency Medical Payments – In order to avoid out-of-pocket expenses, Zurich Travel Assist will deal directly with the facility to arrange for the bills to be sent to the appropriate insurance carrier. If treatment or discharge is being denied without a deposit, Zurich Travel Assist can arrange for the deposit by debiting a credit card or receiving a bank wire from either the eligible insured person or other party when payability is not yet established. • Prescription Assistance – Zurich Travel Assist will arrange the replacement of medications that are lost, stolen, or spoiled during a Covered Trip, either locally or by special courier • Dependent Transportation & Family Visits – Depending on the coverage provided in the travel plan, Zurich Travel Assist will arrange for the return home and escort expenses of a minor (age 18 or younger) if s/he is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult. If the travel plan provides the coverage, Zurich Travel Assist will arrange transportation for a person the Insured chooses to visit him/her if the Insured is traveling alone and hospitalized 7 days or more. • Repatriation of Remains – If the need arises in the event of death, we liaise with our panel of reputable providers, to arrange transport burial and cremations, or the careful return of mortal remains. While the assistance company strives to provide help and advice for unfortunate situations encountered by travelers, immediate resolution may not be possible due to the availability and circumstances beyond their control. The assistance company will make every reasonable effort to refer you to an appropriate medical and legal provider. Neither the Company, assistance company nor Travelex Insurance Services may be held responsible for the availability, quality, quantity or results of any medical treatment or service you may receive or your failure to obtain or receive medical treatment. Read Hide Full Policy Wording

Trawick International
Policy Name and Summary of Coverage		Full Policy Wording
72	Safe Travels Annual Executive 24 hour assistance provided	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES Emergency Transportation Services Emergency Medical Evacuation Medically-Necessary Repatriation Repatriation of Mortal Remains Transportation after Stabilization Visit by Family Member/Friend Return of Dependent Children Travel Support Services Medical Monitoring Hotel Arrangements for Convalescence Medical and Dental Search and Referral Advance of Emergency Medical Expenses Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses Transfer of Insurance Information and Medical Records Assistance with Emergency Travel Arrangements Interpretation/Translation Locating Lost or Stolen Items Emergency Cash Advance Read Hide Full Policy Wording
	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES Emergency Transportation Services Emergency Medical Evacuation Medically-Necessary Repatriation Repatriation of Mortal Remains Transportation after Stabilization Visit by Family Member/Friend Return of Dependent Children Travel Support Services Medical Monitoring Hotel Arrangements for Convalescence Medical and Dental Search and Referral Advance of Emergency Medical Expenses Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses Transfer of Insurance Information and Medical Records Assistance with Emergency Travel Arrangements Interpretation/Translation Locating Lost or Stolen Items Emergency Cash Advance Read Hide Full Policy Wording
73	Safe Travels Annual Deluxe 24 hour assistance provided	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services -Emergency Medical Evacuation/Medically-Necessary Repatriation -Repatriation of Mortal Remains -Transportation after Stabilization -Visit by Family Member/Friend -Return of Dependent Children Travel Support Services -Medical Monitoring -Hotel Arrangements for Convalescence -Medical and Dental Search and Referral -Advance of Emergency Medical Expenses -Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses -Transfer of Insurance Information and Medical Records -Assistance with Emergency Travel Arrangements -Interpretation/Translation -Locating Lost or Stolen Items -Emergency Cash Advance Read Hide Full Policy Wording
	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services -Emergency Medical Evacuation/Medically-Necessary Repatriation -Repatriation of Mortal Remains -Transportation after Stabilization -Visit by Family Member/Friend -Return of Dependent Children Travel Support Services -Medical Monitoring -Hotel Arrangements for Convalescence -Medical and Dental Search and Referral -Advance of Emergency Medical Expenses -Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses -Transfer of Insurance Information and Medical Records -Assistance with Emergency Travel Arrangements -Interpretation/Translation -Locating Lost or Stolen Items -Emergency Cash Advance Read Hide Full Policy Wording
74	Safe Travels Annual Basic 24 hour assistance provided	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services -Emergency Medical Evacuation/Medically-Necessary Repatriation -Repatriation of Mortal Remains -Transportation after Stabilization -Visit by Family Member/Friend -Return of Dependent Children Travel Support Services -Medical Monitoring -Hotel Arrangements for Convalescence -Medical and Dental Search and Referral -Advance of Emergency Medical Expenses -Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses -Transfer of Insurance Information and Medical Records -Assistance with Emergency Travel Arrangements -Interpretation/Translation -Locating Lost or Stolen Items -Emergency Cash Advance Read Hide Full Policy Wording
	Travel Assistance Program Description – Provided by On Call International Emergency Transportation Services -Emergency Medical Evacuation/Medically-Necessary Repatriation -Repatriation of Mortal Remains -Transportation after Stabilization -Visit by Family Member/Friend -Return of Dependent Children Travel Support Services -Medical Monitoring -Hotel Arrangements for Convalescence -Medical and Dental Search and Referral -Advance of Emergency Medical Expenses -Assistance with Replacement Medication, Medical Devices, and Eyeglasses or Corrective Lenses -Transfer of Insurance Information and Medical Records -Assistance with Emergency Travel Arrangements -Interpretation/Translation -Locating Lost or Stolen Items -Emergency Cash Advance Read Hide Full Policy Wording

USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage		Full Policy Wording
75	Ruby 24 hour assistance provided	24 hour assistance provided. Read Hide Full Policy Wording
	24 hour assistance provided. Read Hide Full Policy Wording
76	Diamond 24 hour assistance provided	24 hour assistance provided. Read Hide Full Policy Wording
	24 hour assistance provided. Read Hide Full Policy Wording

WorldTrips
Policy Name and Summary of Coverage		Full Policy Wording
77	Atlas Journey Economy 24 hour assistance provided	For 24/7 Travel Assistance Services Only Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information •Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Read Hide Full Policy Wording
	For 24/7 Travel Assistance Services Only Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information •Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Read Hide Full Policy Wording
78	Atlas Journey Preferred 24 hour assistance provided	24 Hour Assistance Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Read Hide Full Policy Wording
	24 Hour Assistance Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Read Hide Full Policy Wording
79	Atlas Journey Premier 24 hour assistance provided	24 Hour Assistance Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Read Hide Full Policy Wording
	24 Hour Assistance Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Read Hide Full Policy Wording
80	Escape 24 hour assistance provided	Atlas Trip Protection Insurance – Travel Assistance Program Description Provided by On Call International For 24/7 Travel Assistance Services Only Call Toll Free: (866) 400-6090 (within the United States and Canada) Or Call Collect: (603) 328-6387 (from all other locations) Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Description of Services The services below are not a guarantee of payment. Eligibility for services related to payable benefits are subject to the terms and conditions of the policy. Emergency Transportation Services • Emergency Medical Evacuation: We will arrange for your medical care and transportation from a hospital or medical facility to the nearest hospital where the medically necessary care is available. We will also arrange transportation to your original location or to your home country once you are discharged and deemed fit to travel. • Medical Repatriation: After you’ve received medical treatment, we can arrange for you to be transported with a qualified medical attendant to your residence or home hospital for further medical treatment or recovery. • Return of Remains: In the unfortunate event of your death, we can arrange for a casket or air tray, preparation, and transportation of remains to your place of residence or to the place of burial. • Visit by Family Member/Friend: We can arrange travel and suitable hotel accommodations for a person of your choice to visit if you are expected to be hospitalized for 24 hours or more and you traveling alone, with a minor, or with a person incapable of providing support. • Return of Dependent Children: We can arrange for your dependents to return home if they are present but left unattended because of your medical evacuation or hospitalization. They will be accompanied by a non-medical escort if needed. • Emergency Return Home: If your family member or business partner suffers a life-threatening illness, injury, or death, we can arrange for economy airfare to transport you home. • Return of Traveling Companion: If your traveling companion misses their premade travel arrangements due to a delay caused by your medical emergency or death, we can arrange one-way economy airfare to return your companion to their original departure point. • Political Evacuation: If you need emergency evacuation due to political or personal security event as defined in the policy, we will arrange for the most appropriate method of transportation to the nearest safe location. We will also coordinate onward travel arrangements to your home or an alternate location. • Natural Disaster Evacuation: If you need alternate or emergency travel arrangements due to natural disaster, we will assist in arranging your transportation to your home or an alternate location. Medical Assistance Services • Medical Monitoring: During a medical emergency resulting from an accident or sickness, we will monitor your case to determine whether the care is adequate from a Western medical perspective. We will maintain contact with your treating physician and nursing staff and obtain relevant information regarding your medical, surgical, and treatment plans. We will use this information to ensure you’re receiving proper care in relation to your condition and the area where you’re receiving treatment. • 24-Hour Nurse Help Line: A registered nurse counselor provided by us will perform a clinical assessment to provide you with education and general health information. The nurse cannot diagnose your ailments, but they will identify the appropriate care for your health needs based on your reported symptoms. • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referral: We will assist you in finding medical or dental professionals and pharmacies in the area where you are traveling. When possible, these will include Western-style medical facilities and English-speaking doctors, dentists, and other healthcare providers. • Coordination of Benefits: Upon your request, we will use your primary health insurance information or other supplemental travel or secondary insurance information to attempt to coordinate benefits. We will facilitate direct payment of covered expenses from your insurer to your medical provider. We will also facilitate assistance with claims documentation by notifying the insurance carrier and requesting a pre certification of medical expenses. • Medical Records Transfer: With your consent, we will transfer any necessary medical information and records to you or your treating physician. • Transfer of Insurance Information to Medical Providers: We will help prevent delays or denials of medical care by assisting with coordination of hospital admission, including by relaying insurance benefit information, communicating with admitting physicians, and confirming bed availability. We will also help with your discharge planning. • Hotel or Convalescence Stay After Hospitalization: We can arrange for you to stay at a hotel or convalescent home near the hospital while you wait for medical transportation after being discharged from a hospital. • Return of Personal Belongings: We can assist with arranging the shipment of your personal effects to your home after an emergency medical evacuation, medical repatriation, or return of remains which prevents you from returning to your trip. Travel Support Services – Non-Insurance Personal Assistance Services Travel Assistance Services • 24/7 Emergency Travel Arrangements: We will assist you with changing airline, hotel, or car rental reservations once your trip has started. • Translator or Interpreter Referral: We can assist with telephone interpretation in all major languages 24 hours a day. If you require ongoing or more complex translation services, we will refer you to local translators. • Prescription Replacement Assistance: We will consult with the prescribing physician and arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. We will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. We can also arrange an appointment with a local medical provider on your behalf. You are responsible for payments of all costs related to these services. • Medical Equipment Reservation Assistance: If you need new or replacement medical equipment or parts, or you need to rent medical equipment after an injury or illness while on your trip, we will consult with your prescribing physician to locate and reserve medical equipment for you where possible. All costs associated with this service are your responsibility. • Lost/Stolen Travel Documents Assistance: We will aid in the replacement of your passports, airline documents, birth certificates, or other travel-related documents. • Lost Luggage Assistance: We will assist in locating your luggage lost while in transit. • ID Recovery Assistance: We will call your credit card companies, with you on the phone, to alert them if your credit cards have been lost or stolen. We will also inform the three credit bureaus to ensure the incident is reported. If necessary, we will assist you with a cash advance assistance from family or friends. If your passport is stolen while traveling abroad, we will assist you in securing an appointment with the local consulate or embassy for emergency passport replacement. You will be responsible for any third-party costs. • Emergency Travel Funds Assistance: We will arrange the forwarding of funds from your credit cards or your insured family member. Any fees associated with the transfer or delivery of funds are your responsibility. • Emergency Message Forwarding: If you are unable to reach your employer, family member, or traveling companion, we can forward a message via phone to your intended party. • Legal Consultation and Referral: Upon request, we will arrange for an initial phone consultation with an attorney without any charge to you. In case of your incarceration, we will notify the proper embassy or consulate, arrange the receipt of funds from third party sources, and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, a family member, or friend. You are responsible for associated fees. • RV/Vehicle Repair Assistance: If your vehicle breaks down while en route to your destination, at your destination, or once you’ve returned home, we will provide you with a list of auto and RV repair facilities near you. We can also assist with reserving a hotel stay, a rental car, or local transportation while the vehicle is repaired. • RV/Vehicle Return: We will coordinate the return of your car, motorcycle, or non commercial truck or RV if you and your traveling companion are unable to return it due to a medical condition. Your vehicle must be registered to you or your travel companion and be in good, drivable, road-ready condition. This service is only available within the U.S., Canada, and Mexico. • Aircraft Return: We will coordinate the return of your aircraft to the airport where it was stored and maintained if you or your travel companion are unable to return it due to a medical condition. This service is available in the U.S., Canada, and Mexico. The aircraft must be in good condition and capable of being safely flown in compliance with applicable aviation laws and regulations, including the Federal Aviation Administration. All costs associated with this service are your responsibility. • Emergency Pet Housing and/or Pet Return: We will coordinate boarding for your pet at a local boarding facility if you are hospitalized and unable to tend to your pet. We will also arrange transportation home for your pet if needed. The pet must be a domestic dog or cat weighing less than 200 pounds that is kept for companionship rather than utility (other than service animals). • Hotel Arrangements for Convalescence: Upon request, we will arrange a hotel room near the hospital for your travel companion. • Bereavement Reunion: In the event of your death, we can arrange for an assigned advocate to fly to your location to identify and accompany your remains back to your home country. All costs associated with this service are your responsibility. Pre-Trip Information • Embassy and Consular Information: We can provide you with the location and contact information for local embassies and consulate offices near your trip destination. • Pet Vaccine/Inoculation Requirements: We can provide a list of required pet vaccinations and inoculation requirements if you are traveling with pets to your trip destination. • Pre-Trip Information: Upon request, we will provide information services such as visa and passport requirements, cultural information, currency exchange, inoculation and immunization requirements, weather conditions, and travel advisories. Security Assistance Services • Travel Risk Brief: Upon request, we will email you a country or city security overview that includes intelligence on crime, civil unrest, transportation, cultural info, embassies, vaccinations, and health infrastructure. • 24/7 Global Security Specialist Assistance: A Global Security Specialist is available 24 hours a day to provide immediate advice or assistance when your safety is at risk. Read Hide Full Policy Wording
	Atlas Trip Protection Insurance – Travel Assistance Program Description Provided by On Call International For 24/7 Travel Assistance Services Only Call Toll Free: (866) 400-6090 (within the United States and Canada) Or Call Collect: (603) 328-6387 (from all other locations) Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Description of Services The services below are not a guarantee of payment. Eligibility for services related to payable benefits are subject to the terms and conditions of the policy. Emergency Transportation Services • Emergency Medical Evacuation: We will arrange for your medical care and transportation from a hospital or medical facility to the nearest hospital where the medically necessary care is available. We will also arrange transportation to your original location or to your home country once you are discharged and deemed fit to travel. • Medical Repatriation: After you’ve received medical treatment, we can arrange for you to be transported with a qualified medical attendant to your residence or home hospital for further medical treatment or recovery. • Return of Remains: In the unfortunate event of your death, we can arrange for a casket or air tray, preparation, and transportation of remains to your place of residence or to the place of burial. • Visit by Family Member/Friend: We can arrange travel and suitable hotel accommodations for a person of your choice to visit if you are expected to be hospitalized for 24 hours or more and you traveling alone, with a minor, or with a person incapable of providing support. • Return of Dependent Children: We can arrange for your dependents to return home if they are present but left unattended because of your medical evacuation or hospitalization. They will be accompanied by a non-medical escort if needed. • Emergency Return Home: If your family member or business partner suffers a life-threatening illness, injury, or death, we can arrange for economy airfare to transport you home. • Return of Traveling Companion: If your traveling companion misses their premade travel arrangements due to a delay caused by your medical emergency or death, we can arrange one-way economy airfare to return your companion to their original departure point. • Political Evacuation: If you need emergency evacuation due to political or personal security event as defined in the policy, we will arrange for the most appropriate method of transportation to the nearest safe location. We will also coordinate onward travel arrangements to your home or an alternate location. • Natural Disaster Evacuation: If you need alternate or emergency travel arrangements due to natural disaster, we will assist in arranging your transportation to your home or an alternate location. Medical Assistance Services • Medical Monitoring: During a medical emergency resulting from an accident or sickness, we will monitor your case to determine whether the care is adequate from a Western medical perspective. We will maintain contact with your treating physician and nursing staff and obtain relevant information regarding your medical, surgical, and treatment plans. We will use this information to ensure you’re receiving proper care in relation to your condition and the area where you’re receiving treatment. • 24-Hour Nurse Help Line: A registered nurse counselor provided by us will perform a clinical assessment to provide you with education and general health information. The nurse cannot diagnose your ailments, but they will identify the appropriate care for your health needs based on your reported symptoms. • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referral: We will assist you in finding medical or dental professionals and pharmacies in the area where you are traveling. When possible, these will include Western-style medical facilities and English-speaking doctors, dentists, and other healthcare providers. • Coordination of Benefits: Upon your request, we will use your primary health insurance information or other supplemental travel or secondary insurance information to attempt to coordinate benefits. We will facilitate direct payment of covered expenses from your insurer to your medical provider. We will also facilitate assistance with claims documentation by notifying the insurance carrier and requesting a pre certification of medical expenses. • Medical Records Transfer: With your consent, we will transfer any necessary medical information and records to you or your treating physician. • Transfer of Insurance Information to Medical Providers: We will help prevent delays or denials of medical care by assisting with coordination of hospital admission, including by relaying insurance benefit information, communicating with admitting physicians, and confirming bed availability. We will also help with your discharge planning. • Hotel or Convalescence Stay After Hospitalization: We can arrange for you to stay at a hotel or convalescent home near the hospital while you wait for medical transportation after being discharged from a hospital. • Return of Personal Belongings: We can assist with arranging the shipment of your personal effects to your home after an emergency medical evacuation, medical repatriation, or return of remains which prevents you from returning to your trip. Travel Support Services – Non-Insurance Personal Assistance Services Travel Assistance Services • 24/7 Emergency Travel Arrangements: We will assist you with changing airline, hotel, or car rental reservations once your trip has started. • Translator or Interpreter Referral: We can assist with telephone interpretation in all major languages 24 hours a day. If you require ongoing or more complex translation services, we will refer you to local translators. • Prescription Replacement Assistance: We will consult with the prescribing physician and arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. We will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. We can also arrange an appointment with a local medical provider on your behalf. You are responsible for payments of all costs related to these services. • Medical Equipment Reservation Assistance: If you need new or replacement medical equipment or parts, or you need to rent medical equipment after an injury or illness while on your trip, we will consult with your prescribing physician to locate and reserve medical equipment for you where possible. All costs associated with this service are your responsibility. • Lost/Stolen Travel Documents Assistance: We will aid in the replacement of your passports, airline documents, birth certificates, or other travel-related documents. • Lost Luggage Assistance: We will assist in locating your luggage lost while in transit. • ID Recovery Assistance: We will call your credit card companies, with you on the phone, to alert them if your credit cards have been lost or stolen. We will also inform the three credit bureaus to ensure the incident is reported. If necessary, we will assist you with a cash advance assistance from family or friends. If your passport is stolen while traveling abroad, we will assist you in securing an appointment with the local consulate or embassy for emergency passport replacement. You will be responsible for any third-party costs. • Emergency Travel Funds Assistance: We will arrange the forwarding of funds from your credit cards or your insured family member. Any fees associated with the transfer or delivery of funds are your responsibility. • Emergency Message Forwarding: If you are unable to reach your employer, family member, or traveling companion, we can forward a message via phone to your intended party. • Legal Consultation and Referral: Upon request, we will arrange for an initial phone consultation with an attorney without any charge to you. In case of your incarceration, we will notify the proper embassy or consulate, arrange the receipt of funds from third party sources, and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, a family member, or friend. You are responsible for associated fees. • RV/Vehicle Repair Assistance: If your vehicle breaks down while en route to your destination, at your destination, or once you’ve returned home, we will provide you with a list of auto and RV repair facilities near you. We can also assist with reserving a hotel stay, a rental car, or local transportation while the vehicle is repaired. • RV/Vehicle Return: We will coordinate the return of your car, motorcycle, or non commercial truck or RV if you and your traveling companion are unable to return it due to a medical condition. Your vehicle must be registered to you or your travel companion and be in good, drivable, road-ready condition. This service is only available within the U.S., Canada, and Mexico. • Aircraft Return: We will coordinate the return of your aircraft to the airport where it was stored and maintained if you or your travel companion are unable to return it due to a medical condition. This service is available in the U.S., Canada, and Mexico. The aircraft must be in good condition and capable of being safely flown in compliance with applicable aviation laws and regulations, including the Federal Aviation Administration. All costs associated with this service are your responsibility. • Emergency Pet Housing and/or Pet Return: We will coordinate boarding for your pet at a local boarding facility if you are hospitalized and unable to tend to your pet. We will also arrange transportation home for your pet if needed. The pet must be a domestic dog or cat weighing less than 200 pounds that is kept for companionship rather than utility (other than service animals). • Hotel Arrangements for Convalescence: Upon request, we will arrange a hotel room near the hospital for your travel companion. • Bereavement Reunion: In the event of your death, we can arrange for an assigned advocate to fly to your location to identify and accompany your remains back to your home country. All costs associated with this service are your responsibility. Pre-Trip Information • Embassy and Consular Information: We can provide you with the location and contact information for local embassies and consulate offices near your trip destination. • Pet Vaccine/Inoculation Requirements: We can provide a list of required pet vaccinations and inoculation requirements if you are traveling with pets to your trip destination. • Pre-Trip Information: Upon request, we will provide information services such as visa and passport requirements, cultural information, currency exchange, inoculation and immunization requirements, weather conditions, and travel advisories. Security Assistance Services • Travel Risk Brief: Upon request, we will email you a country or city security overview that includes intelligence on crime, civil unrest, transportation, cultural info, embassies, vaccinations, and health infrastructure. • 24/7 Global Security Specialist Assistance: A Global Security Specialist is available 24 hours a day to provide immediate advice or assistance when your safety is at risk. Read Hide Full Policy Wording
81	Explore 24 hour assistance provided	Atlas Trip Protection Insurance – Travel Assistance Program Description Provided by On Call International For 24/7 Travel Assistance Services Only Call Toll Free: (866) 400-6090 (within the United States and Canada) Or Call Collect: (603) 328-6387 (from all other locations) Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Description of Services The services below are not a guarantee of payment. Eligibility for services related to payable benefits are subject to the terms and conditions of the policy. Emergency Transportation Services • Emergency Medical Evacuation: We will arrange for your medical care and transportation from a hospital or medical facility to the nearest hospital where the medically necessary care is available. We will also arrange transportation to your original location or to your home country once you are discharged and deemed fit to travel. • Medical Repatriation: After you’ve received medical treatment, we can arrange for you to be transported with a qualified medical attendant to your residence or home hospital for further medical treatment or recovery. • Return of Remains: In the unfortunate event of your death, we can arrange for a casket or air tray, preparation, and transportation of remains to your place of residence or to the place of burial. • Visit by Family Member/Friend: We can arrange travel and suitable hotel accommodations for a person of your choice to visit if you are expected to be hospitalized for 24 hours or more and you traveling alone, with a minor, or with a person incapable of providing support. • Return of Dependent Children: We can arrange for your dependents to return home if they are present but left unattended because of your medical evacuation or hospitalization. They will be accompanied by a non-medical escort if needed. • Emergency Return Home: If your family member or business partner suffers a life-threatening illness, injury, or death, we can arrange for economy airfare to transport you home. • Return of Traveling Companion: If your traveling companion misses their premade travel arrangements due to a delay caused by your medical emergency or death, we can arrange one-way economy airfare to return your companion to their original departure point. • Political Evacuation: If you need emergency evacuation due to political or personal security event as defined in the policy, we will arrange for the most appropriate method of transportation to the nearest safe location. We will also coordinate onward travel arrangements to your home or an alternate location. • Natural Disaster Evacuation: If you need alternate or emergency travel arrangements due to natural disaster, we will assist in arranging your transportation to your home or an alternate location. Medical Assistance Services • Medical Monitoring: During a medical emergency resulting from an accident or sickness, we will monitor your case to determine whether the care is adequate from a Western medical perspective. We will maintain contact with your treating physician and nursing staff and obtain relevant information regarding your medical, surgical, and treatment plans. We will use this information to ensure you’re receiving proper care in relation to your condition and the area where you’re receiving treatment. • 24-Hour Nurse Help Line: A registered nurse counselor provided by us will perform a clinical assessment to provide you with education and general health information. The nurse cannot diagnose your ailments, but they will identify the appropriate care for your health needs based on your reported symptoms. • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referral: We will assist you in finding medical or dental professionals and pharmacies in the area where you are traveling. When possible, these will include Western-style medical facilities and English-speaking doctors, dentists, and other healthcare providers. • Coordination of Benefits: Upon your request, we will use your primary health insurance information or other supplemental travel or secondary insurance information to attempt to coordinate benefits. We will facilitate direct payment of covered expenses from your insurer to your medical provider. We will also facilitate assistance with claims documentation by notifying the insurance carrier and requesting a pre certification of medical expenses. • Medical Records Transfer: With your consent, we will transfer any necessary medical information and records to you or your treating physician. • Transfer of Insurance Information to Medical Providers: We will help prevent delays or denials of medical care by assisting with coordination of hospital admission, including by relaying insurance benefit information, communicating with admitting physicians, and confirming bed availability. We will also help with your discharge planning. • Hotel or Convalescence Stay After Hospitalization: We can arrange for you to stay at a hotel or convalescent home near the hospital while you wait for medical transportation after being discharged from a hospital. • Return of Personal Belongings: We can assist with arranging the shipment of your personal effects to your home after an emergency medical evacuation, medical repatriation, or return of remains which prevents you from returning to your trip. Travel Support Services – Non-Insurance Personal Assistance Services Travel Assistance Services • 24/7 Emergency Travel Arrangements: We will assist you with changing airline, hotel, or car rental reservations once your trip has started. • Translator or Interpreter Referral: We can assist with telephone interpretation in all major languages 24 hours a day. If you require ongoing or more complex translation services, we will refer you to local translators. • Prescription Replacement Assistance: We will consult with the prescribing physician and arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. We will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. We can also arrange an appointment with a local medical provider on your behalf. You are responsible for payments of all costs related to these services. • Medical Equipment Reservation Assistance: If you need new or replacement medical equipment or parts, or you need to rent medical equipment after an injury or illness while on your trip, we will consult with your prescribing physician to locate and reserve medical equipment for you where possible. All costs associated with this service are your responsibility. • Lost/Stolen Travel Documents Assistance: We will aid in the replacement of your passports, airline documents, birth certificates, or other travel-related documents. • Lost Luggage Assistance: We will assist in locating your luggage lost while in transit. • ID Recovery Assistance: We will call your credit card companies, with you on the phone, to alert them if your credit cards have been lost or stolen. We will also inform the three credit bureaus to ensure the incident is reported. If necessary, we will assist you with a cash advance assistance from family or friends. If your passport is stolen while traveling abroad, we will assist you in securing an appointment with the local consulate or embassy for emergency passport replacement. You will be responsible for any third-party costs. • Emergency Travel Funds Assistance: We will arrange the forwarding of funds from your credit cards or your insured family member. Any fees associated with the transfer or delivery of funds are your responsibility. • Emergency Message Forwarding: If you are unable to reach your employer, family member, or traveling companion, we can forward a message via phone to your intended party. • Legal Consultation and Referral: Upon request, we will arrange for an initial phone consultation with an attorney without any charge to you. In case of your incarceration, we will notify the proper embassy or consulate, arrange the receipt of funds from third party sources, and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, a family member, or friend. You are responsible for associated fees. • RV/Vehicle Repair Assistance: If your vehicle breaks down while en route to your destination, at your destination, or once you’ve returned home, we will provide you with a list of auto and RV repair facilities near you. We can also assist with reserving a hotel stay, a rental car, or local transportation while the vehicle is repaired. • RV/Vehicle Return: We will coordinate the return of your car, motorcycle, or non commercial truck or RV if you and your traveling companion are unable to return it due to a medical condition. Your vehicle must be registered to you or your travel companion and be in good, drivable, road-ready condition. This service is only available within the U.S., Canada, and Mexico. • Aircraft Return: We will coordinate the return of your aircraft to the airport where it was stored and maintained if you or your travel companion are unable to return it due to a medical condition. This service is available in the U.S., Canada, and Mexico. The aircraft must be in good condition and capable of being safely flown in compliance with applicable aviation laws and regulations, including the Federal Aviation Administration. All costs associated with this service are your responsibility. • Emergency Pet Housing and/or Pet Return: We will coordinate boarding for your pet at a local boarding facility if you are hospitalized and unable to tend to your pet. We will also arrange transportation home for your pet if needed. The pet must be a domestic dog or cat weighing less than 200 pounds that is kept for companionship rather than utility (other than service animals). • Hotel Arrangements for Convalescence: Upon request, we will arrange a hotel room near the hospital for your travel companion. • Bereavement Reunion: In the event of your death, we can arrange for an assigned advocate to fly to your location to identify and accompany your remains back to your home country. All costs associated with this service are your responsibility. Pre-Trip Information • Embassy and Consular Information: We can provide you with the location and contact information for local embassies and consulate offices near your trip destination. • Pet Vaccine/Inoculation Requirements: We can provide a list of required pet vaccinations and inoculation requirements if you are traveling with pets to your trip destination. • Pre-Trip Information: Upon request, we will provide information services such as visa and passport requirements, cultural information, currency exchange, inoculation and immunization requirements, weather conditions, and travel advisories. Security Assistance Services • Travel Risk Brief: Upon request, we will email you a country or city security overview that includes intelligence on crime, civil unrest, transportation, cultural info, embassies, vaccinations, and health infrastructure. • 24/7 Global Security Specialist Assistance: A Global Security Specialist is available 24 hours a day to provide immediate advice or assistance when your safety is at risk. Read Hide Full Policy Wording
	Atlas Trip Protection Insurance – Travel Assistance Program Description Provided by On Call International For 24/7 Travel Assistance Services Only Call Toll Free: (866) 400-6090 (within the United States and Canada) Or Call Collect: (603) 328-6387 (from all other locations) Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Description of Services The services below are not a guarantee of payment. Eligibility for services related to payable benefits are subject to the terms and conditions of the policy. Emergency Transportation Services • Emergency Medical Evacuation: We will arrange for your medical care and transportation from a hospital or medical facility to the nearest hospital where the medically necessary care is available. We will also arrange transportation to your original location or to your home country once you are discharged and deemed fit to travel. • Medical Repatriation: After you’ve received medical treatment, we can arrange for you to be transported with a qualified medical attendant to your residence or home hospital for further medical treatment or recovery. • Return of Remains: In the unfortunate event of your death, we can arrange for a casket or air tray, preparation, and transportation of remains to your place of residence or to the place of burial. • Visit by Family Member/Friend: We can arrange travel and suitable hotel accommodations for a person of your choice to visit if you are expected to be hospitalized for 24 hours or more and you traveling alone, with a minor, or with a person incapable of providing support. • Return of Dependent Children: We can arrange for your dependents to return home if they are present but left unattended because of your medical evacuation or hospitalization. They will be accompanied by a non-medical escort if needed. • Emergency Return Home: If your family member or business partner suffers a life-threatening illness, injury, or death, we can arrange for economy airfare to transport you home. • Return of Traveling Companion: If your traveling companion misses their premade travel arrangements due to a delay caused by your medical emergency or death, we can arrange one-way economy airfare to return your companion to their original departure point. • Political Evacuation: If you need emergency evacuation due to political or personal security event as defined in the policy, we will arrange for the most appropriate method of transportation to the nearest safe location. We will also coordinate onward travel arrangements to your home or an alternate location. • Natural Disaster Evacuation: If you need alternate or emergency travel arrangements due to natural disaster, we will assist in arranging your transportation to your home or an alternate location. Medical Assistance Services • Medical Monitoring: During a medical emergency resulting from an accident or sickness, we will monitor your case to determine whether the care is adequate from a Western medical perspective. We will maintain contact with your treating physician and nursing staff and obtain relevant information regarding your medical, surgical, and treatment plans. We will use this information to ensure you’re receiving proper care in relation to your condition and the area where you’re receiving treatment. • 24-Hour Nurse Help Line: A registered nurse counselor provided by us will perform a clinical assessment to provide you with education and general health information. The nurse cannot diagnose your ailments, but they will identify the appropriate care for your health needs based on your reported symptoms. • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referral: We will assist you in finding medical or dental professionals and pharmacies in the area where you are traveling. When possible, these will include Western-style medical facilities and English-speaking doctors, dentists, and other healthcare providers. • Coordination of Benefits: Upon your request, we will use your primary health insurance information or other supplemental travel or secondary insurance information to attempt to coordinate benefits. We will facilitate direct payment of covered expenses from your insurer to your medical provider. We will also facilitate assistance with claims documentation by notifying the insurance carrier and requesting a pre certification of medical expenses. • Medical Records Transfer: With your consent, we will transfer any necessary medical information and records to you or your treating physician. • Transfer of Insurance Information to Medical Providers: We will help prevent delays or denials of medical care by assisting with coordination of hospital admission, including by relaying insurance benefit information, communicating with admitting physicians, and confirming bed availability. We will also help with your discharge planning. • Hotel or Convalescence Stay After Hospitalization: We can arrange for you to stay at a hotel or convalescent home near the hospital while you wait for medical transportation after being discharged from a hospital. • Return of Personal Belongings: We can assist with arranging the shipment of your personal effects to your home after an emergency medical evacuation, medical repatriation, or return of remains which prevents you from returning to your trip. Travel Support Services – Non-Insurance Personal Assistance Services Travel Assistance Services • 24/7 Emergency Travel Arrangements: We will assist you with changing airline, hotel, or car rental reservations once your trip has started. • Translator or Interpreter Referral: We can assist with telephone interpretation in all major languages 24 hours a day. If you require ongoing or more complex translation services, we will refer you to local translators. • Prescription Replacement Assistance: We will consult with the prescribing physician and arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. We will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. We can also arrange an appointment with a local medical provider on your behalf. You are responsible for payments of all costs related to these services. • Medical Equipment Reservation Assistance: If you need new or replacement medical equipment or parts, or you need to rent medical equipment after an injury or illness while on your trip, we will consult with your prescribing physician to locate and reserve medical equipment for you where possible. All costs associated with this service are your responsibility. • Lost/Stolen Travel Documents Assistance: We will aid in the replacement of your passports, airline documents, birth certificates, or other travel-related documents. • Lost Luggage Assistance: We will assist in locating your luggage lost while in transit. • ID Recovery Assistance: We will call your credit card companies, with you on the phone, to alert them if your credit cards have been lost or stolen. We will also inform the three credit bureaus to ensure the incident is reported. If necessary, we will assist you with a cash advance assistance from family or friends. If your passport is stolen while traveling abroad, we will assist you in securing an appointment with the local consulate or embassy for emergency passport replacement. You will be responsible for any third-party costs. • Emergency Travel Funds Assistance: We will arrange the forwarding of funds from your credit cards or your insured family member. Any fees associated with the transfer or delivery of funds are your responsibility. • Emergency Message Forwarding: If you are unable to reach your employer, family member, or traveling companion, we can forward a message via phone to your intended party. • Legal Consultation and Referral: Upon request, we will arrange for an initial phone consultation with an attorney without any charge to you. In case of your incarceration, we will notify the proper embassy or consulate, arrange the receipt of funds from third party sources, and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, a family member, or friend. You are responsible for associated fees. • RV/Vehicle Repair Assistance: If your vehicle breaks down while en route to your destination, at your destination, or once you’ve returned home, we will provide you with a list of auto and RV repair facilities near you. We can also assist with reserving a hotel stay, a rental car, or local transportation while the vehicle is repaired. • RV/Vehicle Return: We will coordinate the return of your car, motorcycle, or non commercial truck or RV if you and your traveling companion are unable to return it due to a medical condition. Your vehicle must be registered to you or your travel companion and be in good, drivable, road-ready condition. This service is only available within the U.S., Canada, and Mexico. • Aircraft Return: We will coordinate the return of your aircraft to the airport where it was stored and maintained if you or your travel companion are unable to return it due to a medical condition. This service is available in the U.S., Canada, and Mexico. The aircraft must be in good condition and capable of being safely flown in compliance with applicable aviation laws and regulations, including the Federal Aviation Administration. All costs associated with this service are your responsibility. • Emergency Pet Housing and/or Pet Return: We will coordinate boarding for your pet at a local boarding facility if you are hospitalized and unable to tend to your pet. We will also arrange transportation home for your pet if needed. The pet must be a domestic dog or cat weighing less than 200 pounds that is kept for companionship rather than utility (other than service animals). • Hotel Arrangements for Convalescence: Upon request, we will arrange a hotel room near the hospital for your travel companion. • Bereavement Reunion: In the event of your death, we can arrange for an assigned advocate to fly to your location to identify and accompany your remains back to your home country. All costs associated with this service are your responsibility. Pre-Trip Information • Embassy and Consular Information: We can provide you with the location and contact information for local embassies and consulate offices near your trip destination. • Pet Vaccine/Inoculation Requirements: We can provide a list of required pet vaccinations and inoculation requirements if you are traveling with pets to your trip destination. • Pre-Trip Information: Upon request, we will provide information services such as visa and passport requirements, cultural information, currency exchange, inoculation and immunization requirements, weather conditions, and travel advisories. Security Assistance Services • Travel Risk Brief: Upon request, we will email you a country or city security overview that includes intelligence on crime, civil unrest, transportation, cultural info, embassies, vaccinations, and health infrastructure. • 24/7 Global Security Specialist Assistance: A Global Security Specialist is available 24 hours a day to provide immediate advice or assistance when your safety is at risk. Read Hide Full Policy Wording
82	Elevate 24 hour assistance provided	Atlas Trip Protection Insurance – Travel Assistance Program Description Provided by On Call International For 24/7 Travel Assistance Services Only Call Toll Free: (866) 400-6090 (within the United States and Canada) Or Call Collect: (603) 328-6387 (from all other locations) Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Description of Services The services below are not a guarantee of payment. Eligibility for services related to payable benefits are subject to the terms and conditions of the policy. Emergency Transportation Services • Emergency Medical Evacuation: We will arrange for your medical care and transportation from a hospital or medical facility to the nearest hospital where the medically necessary care is available. We will also arrange transportation to your original location or to your home country once you are discharged and deemed fit to travel. • Medical Repatriation: After you’ve received medical treatment, we can arrange for you to be transported with a qualified medical attendant to your residence or home hospital for further medical treatment or recovery. • Return of Remains: In the unfortunate event of your death, we can arrange for a casket or air tray, preparation, and transportation of remains to your place of residence or to the place of burial. • Visit by Family Member/Friend: We can arrange travel and suitable hotel accommodations for a person of your choice to visit if you are expected to be hospitalized for 24 hours or more and you traveling alone, with a minor, or with a person incapable of providing support. • Return of Dependent Children: We can arrange for your dependents to return home if they are present but left unattended because of your medical evacuation or hospitalization. They will be accompanied by a non-medical escort if needed. • Emergency Return Home: If your family member or business partner suffers a life-threatening illness, injury, or death, we can arrange for economy airfare to transport you home. • Return of Traveling Companion: If your traveling companion misses their premade travel arrangements due to a delay caused by your medical emergency or death, we can arrange one-way economy airfare to return your companion to their original departure point. • Political Evacuation: If you need emergency evacuation due to political or personal security event as defined in the policy, we will arrange for the most appropriate method of transportation to the nearest safe location. We will also coordinate onward travel arrangements to your home or an alternate location. • Natural Disaster Evacuation: If you need alternate or emergency travel arrangements due to natural disaster, we will assist in arranging your transportation to your home or an alternate location. Medical Assistance Services • Medical Monitoring: During a medical emergency resulting from an accident or sickness, we will monitor your case to determine whether the care is adequate from a Western medical perspective. We will maintain contact with your treating physician and nursing staff and obtain relevant information regarding your medical, surgical, and treatment plans. We will use this information to ensure you’re receiving proper care in relation to your condition and the area where you’re receiving treatment. • 24-Hour Nurse Help Line: A registered nurse counselor provided by us will perform a clinical assessment to provide you with education and general health information. The nurse cannot diagnose your ailments, but they will identify the appropriate care for your health needs based on your reported symptoms. • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referral: We will assist you in finding medical or dental professionals and pharmacies in the area where you are traveling. When possible, these will include Western-style medical facilities and English-speaking doctors, dentists, and other healthcare providers. • Coordination of Benefits: Upon your request, we will use your primary health insurance information or other supplemental travel or secondary insurance information to attempt to coordinate benefits. We will facilitate direct payment of covered expenses from your insurer to your medical provider. We will also facilitate assistance with claims documentation by notifying the insurance carrier and requesting a pre certification of medical expenses. • Medical Records Transfer: With your consent, we will transfer any necessary medical information and records to you or your treating physician. • Transfer of Insurance Information to Medical Providers: We will help prevent delays or denials of medical care by assisting with coordination of hospital admission, including by relaying insurance benefit information, communicating with admitting physicians, and confirming bed availability. We will also help with your discharge planning. • Hotel or Convalescence Stay After Hospitalization: We can arrange for you to stay at a hotel or convalescent home near the hospital while you wait for medical transportation after being discharged from a hospital. • Return of Personal Belongings: We can assist with arranging the shipment of your personal effects to your home after an emergency medical evacuation, medical repatriation, or return of remains which prevents you from returning to your trip. Travel Support Services – Non-Insurance Personal Assistance Services Travel Assistance Services • 24/7 Emergency Travel Arrangements: We will assist you with changing airline, hotel, or car rental reservations once your trip has started. • Translator or Interpreter Referral: We can assist with telephone interpretation in all major languages 24 hours a day. If you require ongoing or more complex translation services, we will refer you to local translators. • Prescription Replacement Assistance: We will consult with the prescribing physician and arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. We will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. We can also arrange an appointment with a local medical provider on your behalf. You are responsible for payments of all costs related to these services. • Medical Equipment Reservation Assistance: If you need new or replacement medical equipment or parts, or you need to rent medical equipment after an injury or illness while on your trip, we will consult with your prescribing physician to locate and reserve medical equipment for you where possible. All costs associated with this service are your responsibility. • Lost/Stolen Travel Documents Assistance: We will aid in the replacement of your passports, airline documents, birth certificates, or other travel-related documents. • Lost Luggage Assistance: We will assist in locating your luggage lost while in transit. • ID Recovery Assistance: We will call your credit card companies, with you on the phone, to alert them if your credit cards have been lost or stolen. We will also inform the three credit bureaus to ensure the incident is reported. If necessary, we will assist you with a cash advance assistance from family or friends. If your passport is stolen while traveling abroad, we will assist you in securing an appointment with the local consulate or embassy for emergency passport replacement. You will be responsible for any third-party costs. • Emergency Travel Funds Assistance: We will arrange the forwarding of funds from your credit cards or your insured family member. Any fees associated with the transfer or delivery of funds are your responsibility. • Emergency Message Forwarding: If you are unable to reach your employer, family member, or traveling companion, we can forward a message via phone to your intended party. • Legal Consultation and Referral: Upon request, we will arrange for an initial phone consultation with an attorney without any charge to you. In case of your incarceration, we will notify the proper embassy or consulate, arrange the receipt of funds from third party sources, and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, a family member, or friend. You are responsible for associated fees. • RV/Vehicle Repair Assistance: If your vehicle breaks down while en route to your destination, at your destination, or once you’ve returned home, we will provide you with a list of auto and RV repair facilities near you. We can also assist with reserving a hotel stay, a rental car, or local transportation while the vehicle is repaired. • RV/Vehicle Return: We will coordinate the return of your car, motorcycle, or non commercial truck or RV if you and your traveling companion are unable to return it due to a medical condition. Your vehicle must be registered to you or your travel companion and be in good, drivable, road-ready condition. This service is only available within the U.S., Canada, and Mexico. • Aircraft Return: We will coordinate the return of your aircraft to the airport where it was stored and maintained if you or your travel companion are unable to return it due to a medical condition. This service is available in the U.S., Canada, and Mexico. The aircraft must be in good condition and capable of being safely flown in compliance with applicable aviation laws and regulations, including the Federal Aviation Administration. All costs associated with this service are your responsibility. • Emergency Pet Housing and/or Pet Return: We will coordinate boarding for your pet at a local boarding facility if you are hospitalized and unable to tend to your pet. We will also arrange transportation home for your pet if needed. The pet must be a domestic dog or cat weighing less than 200 pounds that is kept for companionship rather than utility (other than service animals). • Hotel Arrangements for Convalescence: Upon request, we will arrange a hotel room near the hospital for your travel companion. • Bereavement Reunion: In the event of your death, we can arrange for an assigned advocate to fly to your location to identify and accompany your remains back to your home country. All costs associated with this service are your responsibility. Pre-Trip Information • Embassy and Consular Information: We can provide you with the location and contact information for local embassies and consulate offices near your trip destination. • Pet Vaccine/Inoculation Requirements: We can provide a list of required pet vaccinations and inoculation requirements if you are traveling with pets to your trip destination. • Pre-Trip Information: Upon request, we will provide information services such as visa and passport requirements, cultural information, currency exchange, inoculation and immunization requirements, weather conditions, and travel advisories. Security Assistance Services • Travel Risk Brief: Upon request, we will email you a country or city security overview that includes intelligence on crime, civil unrest, transportation, cultural info, embassies, vaccinations, and health infrastructure. • 24/7 Global Security Specialist Assistance: A Global Security Specialist is available 24 hours a day to provide immediate advice or assistance when your safety is at risk. Read Hide Full Policy Wording
	Atlas Trip Protection Insurance – Travel Assistance Program Description Provided by On Call International For 24/7 Travel Assistance Services Only Call Toll Free: (866) 400-6090 (within the United States and Canada) Or Call Collect: (603) 328-6387 (from all other locations) Emergency Transportation Services Emergency Medical Evacuation • Medical Repatriation • Return of Remains • Visit by Family Member/Friend • Return of Dependent Children • Emergency Return Home • Return of Traveling Companion • Political Evacuation • Natural Disaster Response Medical Assistance Services Medical Monitoring • 24-Hour Nurse Help Line • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referrals • Coordination of Benefits • Medical Records Transfer • Transfer of Insurance Information to Medical Providers • Hotel or Convalescence Stay After Hospitalization • Return of Personal Belongings Travel Support Services 24/7 Emergency Travel Arrangements • Translator and Interpreter Referral • Prescription Replacement Assistance • Medical Equipment Arrangements Assistance • Lost/Stolen Travel Documents Assistance • Lost Luggage Assistance • ID Recovery Assistance • Emergency Travel Funds Assistance • Emergency Message Forwarding • Legal Consultation and Referral • RV/Vehicle Repair Assistance • RV/Vehicle Return • Aircraft Return • Emergency Pet Housing and/or Pet Return • Hotel Arrangements for Convalescence • Hotel or Convalescence Stay After Hospitalization • Bereavement Reunion • Embassy and Consular Information • Vaccine/Inoculation Requirements • Pre-Trip Information • Travel Risk Brief • 24/7 Global Security Specialist Assistance • Concierge Assistance Services • Business Concierge Services Description of Services The services below are not a guarantee of payment. Eligibility for services related to payable benefits are subject to the terms and conditions of the policy. Emergency Transportation Services • Emergency Medical Evacuation: We will arrange for your medical care and transportation from a hospital or medical facility to the nearest hospital where the medically necessary care is available. We will also arrange transportation to your original location or to your home country once you are discharged and deemed fit to travel. • Medical Repatriation: After you’ve received medical treatment, we can arrange for you to be transported with a qualified medical attendant to your residence or home hospital for further medical treatment or recovery. • Return of Remains: In the unfortunate event of your death, we can arrange for a casket or air tray, preparation, and transportation of remains to your place of residence or to the place of burial. • Visit by Family Member/Friend: We can arrange travel and suitable hotel accommodations for a person of your choice to visit if you are expected to be hospitalized for 24 hours or more and you traveling alone, with a minor, or with a person incapable of providing support. • Return of Dependent Children: We can arrange for your dependents to return home if they are present but left unattended because of your medical evacuation or hospitalization. They will be accompanied by a non-medical escort if needed. • Emergency Return Home: If your family member or business partner suffers a life-threatening illness, injury, or death, we can arrange for economy airfare to transport you home. • Return of Traveling Companion: If your traveling companion misses their premade travel arrangements due to a delay caused by your medical emergency or death, we can arrange one-way economy airfare to return your companion to their original departure point. • Political Evacuation: If you need emergency evacuation due to political or personal security event as defined in the policy, we will arrange for the most appropriate method of transportation to the nearest safe location. We will also coordinate onward travel arrangements to your home or an alternate location. • Natural Disaster Evacuation: If you need alternate or emergency travel arrangements due to natural disaster, we will assist in arranging your transportation to your home or an alternate location. Medical Assistance Services • Medical Monitoring: During a medical emergency resulting from an accident or sickness, we will monitor your case to determine whether the care is adequate from a Western medical perspective. We will maintain contact with your treating physician and nursing staff and obtain relevant information regarding your medical, surgical, and treatment plans. We will use this information to ensure you’re receiving proper care in relation to your condition and the area where you’re receiving treatment. • 24-Hour Nurse Help Line: A registered nurse counselor provided by us will perform a clinical assessment to provide you with education and general health information. The nurse cannot diagnose your ailments, but they will identify the appropriate care for your health needs based on your reported symptoms. • Medical, Behavioral, Mental Health, Dental, and Pharmacy Search and Referral: We will assist you in finding medical or dental professionals and pharmacies in the area where you are traveling. When possible, these will include Western-style medical facilities and English-speaking doctors, dentists, and other healthcare providers. • Coordination of Benefits: Upon your request, we will use your primary health insurance information or other supplemental travel or secondary insurance information to attempt to coordinate benefits. We will facilitate direct payment of covered expenses from your insurer to your medical provider. We will also facilitate assistance with claims documentation by notifying the insurance carrier and requesting a pre certification of medical expenses. • Medical Records Transfer: With your consent, we will transfer any necessary medical information and records to you or your treating physician. • Transfer of Insurance Information to Medical Providers: We will help prevent delays or denials of medical care by assisting with coordination of hospital admission, including by relaying insurance benefit information, communicating with admitting physicians, and confirming bed availability. We will also help with your discharge planning. • Hotel or Convalescence Stay After Hospitalization: We can arrange for you to stay at a hotel or convalescent home near the hospital while you wait for medical transportation after being discharged from a hospital. • Return of Personal Belongings: We can assist with arranging the shipment of your personal effects to your home after an emergency medical evacuation, medical repatriation, or return of remains which prevents you from returning to your trip. Travel Support Services – Non-Insurance Personal Assistance Services Travel Assistance Services • 24/7 Emergency Travel Arrangements: We will assist you with changing airline, hotel, or car rental reservations once your trip has started. • Translator or Interpreter Referral: We can assist with telephone interpretation in all major languages 24 hours a day. If you require ongoing or more complex translation services, we will refer you to local translators. • Prescription Replacement Assistance: We will consult with the prescribing physician and arrange to fill a prescription that has been lost, forgotten, or requires a refill, subject to local law, whenever possible. We will also arrange for shipment of replacement eyeglasses/corrective lenses or medical devices. We can also arrange an appointment with a local medical provider on your behalf. You are responsible for payments of all costs related to these services. • Medical Equipment Reservation Assistance: If you need new or replacement medical equipment or parts, or you need to rent medical equipment after an injury or illness while on your trip, we will consult with your prescribing physician to locate and reserve medical equipment for you where possible. All costs associated with this service are your responsibility. • Lost/Stolen Travel Documents Assistance: We will aid in the replacement of your passports, airline documents, birth certificates, or other travel-related documents. • Lost Luggage Assistance: We will assist in locating your luggage lost while in transit. • ID Recovery Assistance: We will call your credit card companies, with you on the phone, to alert them if your credit cards have been lost or stolen. We will also inform the three credit bureaus to ensure the incident is reported. If necessary, we will assist you with a cash advance assistance from family or friends. If your passport is stolen while traveling abroad, we will assist you in securing an appointment with the local consulate or embassy for emergency passport replacement. You will be responsible for any third-party costs. • Emergency Travel Funds Assistance: We will arrange the forwarding of funds from your credit cards or your insured family member. Any fees associated with the transfer or delivery of funds are your responsibility. • Emergency Message Forwarding: If you are unable to reach your employer, family member, or traveling companion, we can forward a message via phone to your intended party. • Legal Consultation and Referral: Upon request, we will arrange for an initial phone consultation with an attorney without any charge to you. In case of your incarceration, we will notify the proper embassy or consulate, arrange the receipt of funds from third party sources, and locate an attorney and bail bonds, where permitted by law, with satisfactory guarantee of reimbursement from you, a family member, or friend. You are responsible for associated fees. • RV/Vehicle Repair Assistance: If your vehicle breaks down while en route to your destination, at your destination, or once you’ve returned home, we will provide you with a list of auto and RV repair facilities near you. We can also assist with reserving a hotel stay, a rental car, or local transportation while the vehicle is repaired. • RV/Vehicle Return: We will coordinate the return of your car, motorcycle, or non commercial truck or RV if you and your traveling companion are unable to return it due to a medical condition. Your vehicle must be registered to you or your travel companion and be in good, drivable, road-ready condition. This service is only available within the U.S., Canada, and Mexico. • Aircraft Return: We will coordinate the return of your aircraft to the airport where it was stored and maintained if you or your travel companion are unable to return it due to a medical condition. This service is available in the U.S., Canada, and Mexico. The aircraft must be in good condition and capable of being safely flown in compliance with applicable aviation laws and regulations, including the Federal Aviation Administration. All costs associated with this service are your responsibility. • Emergency Pet Housing and/or Pet Return: We will coordinate boarding for your pet at a local boarding facility if you are hospitalized and unable to tend to your pet. We will also arrange transportation home for your pet if needed. The pet must be a domestic dog or cat weighing less than 200 pounds that is kept for companionship rather than utility (other than service animals). • Hotel Arrangements for Convalescence: Upon request, we will arrange a hotel room near the hospital for your travel companion. • Bereavement Reunion: In the event of your death, we can arrange for an assigned advocate to fly to your location to identify and accompany your remains back to your home country. All costs associated with this service are your responsibility. Pre-Trip Information • Embassy and Consular Information: We can provide you with the location and contact information for local embassies and consulate offices near your trip destination. • Pet Vaccine/Inoculation Requirements: We can provide a list of required pet vaccinations and inoculation requirements if you are traveling with pets to your trip destination. • Pre-Trip Information: Upon request, we will provide information services such as visa and passport requirements, cultural information, currency exchange, inoculation and immunization requirements, weather conditions, and travel advisories. Security Assistance Services • Travel Risk Brief: Upon request, we will email you a country or city security overview that includes intelligence on crime, civil unrest, transportation, cultural info, embassies, vaccinations, and health infrastructure. • 24/7 Global Security Specialist Assistance: A Global Security Specialist is available 24 hours a day to provide immediate advice or assistance when your safety is at risk. Read Hide Full Policy Wording

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