24 Hour Assistance Service Coverage

What is 24 Hour Assistance Service travel insurance?

Travel insurance providers have a 24-Hour Assistance Service department to help travelers 24/7 during their trip.

24-Hour Assistance Service can help with a broad range of services in the event of a travel or medical emergency, including medical referral and monitoring, legal assistance, arrangement of medical evacuations or repatriations, and pre-trip assistance, among others.

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 search 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: 05/10/2023

AXA Assistance USA
Policy Name and Summary of Coverage		Full Policy Wording
1	Silver 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. 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. Read Hide Full Policy Wording
2	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
3	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

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

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Policy Name and Summary of Coverage

Full Policy Wording

Discovery Plan

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
5	ExactCare 24 hour assistance provided	ASSISTANCE SERVICES All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. World Travel Protection 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. World Travel Protection 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
6	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. World Travel Protection 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. World Travel Protection 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
7	LuxuryCare 24 hour assistance provided	ASSISTANCE SERVICES* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. World Travel Protection 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. World Travel Protection 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
8	ExactCare Lite 24 hour assistance provided	ASSISTANCE SERVICES* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. World Travel Protection 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 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. • Lock-out Assistance— Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance— Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance— If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. *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. World Travel Protection 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 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. • Lock-out Assistance— Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. • Battery Assistance— Battery assistance (jump-start) will be provided to any covered customer in immediate need. • Collision Assistance— If a customer is involved in a collision in their covered vehicle, towing assistance will be provided when needed to direct the vehicle back to the issuing dealership if possible or to the nearest qualified repair facility. *Non-insurance services are provided by World Travel Protection. Read Hide Full Policy Wording

Cat 70
Policy Name and Summary of Coverage	Full Policy Wording
9	Travel Plan 24 hour assistance provided	24 Hour assistance is provided. Read Hide Full Policy Wording
	24 Hour assistance is provided. Read Hide Full Policy Wording

Cat 70

Policy Name and Summary of Coverage

Full Policy Wording

Travel Plan

24 hour assistance provided

24 Hour assistance is provided.

Read Hide Full Policy Wording

24 Hour assistance is provided.

Read Hide Full Policy Wording

Generali Global Assistance
Policy Name and Summary of Coverage		Full Policy Wording
10	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
11	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
12	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
13	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
14	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
15	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
16	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

Global Underwriters
Policy Name and Summary of Coverage	Full Policy Wording
17	Diplomat International 24 hour assistance provided	WORLD WIDE ASSISTANCE SERVICES Provided by ON CALL AMERICA SERVICES Inside US and Canada 866-509-7715 Outside US and Canada 603-328-1728 (collect) Open 24 hours / 7 days a week Assists when you need to be evacuated or repatriated Locates local facilities/hospitals Multilingual personnel Help with emergency situations Medical personnel on staff Read Hide Full Policy Wording
	WORLD WIDE ASSISTANCE SERVICES Provided by ON CALL AMERICA SERVICES Inside US and Canada 866-509-7715 Outside US and Canada 603-328-1728 (collect) Open 24 hours / 7 days a week Assists when you need to be evacuated or repatriated Locates local facilities/hospitals Multilingual personnel Help with emergency situations Medical personnel on staff Read Hide Full Policy Wording

Global Underwriters

Policy Name and Summary of Coverage

Full Policy Wording

Diplomat International

24 hour assistance provided

WORLD WIDE ASSISTANCE SERVICES

Provided by ON CALL AMERICA SERVICES

Inside US and Canada 866-509-7715 Outside US and Canada 603-328-1728 (collect)

Open 24 hours / 7 days a week

Assists when you need to be evacuated or repatriated

Locates local facilities/hospitals

Multilingual personnel

Help with emergency situations

Medical personnel on staff

Read Hide Full Policy Wording

WORLD WIDE ASSISTANCE SERVICES

Provided by ON CALL AMERICA SERVICES

Inside US and Canada 866-509-7715 Outside US and Canada 603-328-1728 (collect)

Open 24 hours / 7 days a week

Assists when you need to be evacuated or repatriated

Locates local facilities/hospitals

Multilingual personnel

Help with emergency situations

Medical personnel on staff

Read Hide Full Policy Wording

GoReady Insurance
Policy Name and Summary of Coverage		Full Policy Wording
18	Trip Cancellation Plan 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
19	Choice 24 hour assistance provided	24 hour assistance provided. Read Hide Full Policy Wording
	24 hour assistance provided. Read Hide Full Policy Wording
20	Pandemic Plus 24 hour assistance provided	24 Hour Assistance is provided in this plan. Read Hide Full Policy Wording
	24 Hour Assistance is provided in this plan. Read Hide Full Policy Wording

HTH Travel Insurance
Policy Name and Summary of Coverage		Full Policy Wording
21	TravelGap Voyager 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	TripProtector Preferred 24 hour assistance provided	24 Hour Assistance provided. Read Hide Full Policy Wording
	24 Hour Assistance provided. Read Hide Full Policy Wording
23	TravelGap Excursion 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
24	TripProtector Economy 24 hour assistance provided	24 Hour Assistance provided. Read Hide Full Policy Wording
	24 Hour Assistance provided. Read Hide Full Policy Wording
25	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
26	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
27	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
28	Patriot America Plus 24 hour assistance provided	24 Hour Assistance services provided. Read Hide Full Policy Wording
	24 Hour Assistance services provided. Read Hide Full Policy Wording
29	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
30	iTravelInsured Travel Sport 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 provided. Read Hide Full Policy Wording
	24 Hour Assistance provided. Read Hide Full Policy Wording
33	Patriot America Lite 24 hour assistance provided	24 Hour Assistance Services provided. Read Hide Full Policy Wording
	24 Hour Assistance Services 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

John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage		Full Policy Wording
36	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
37	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
38	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
39	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
40	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
41	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
42	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
43	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
44	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
45	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
46	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
47	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
48	Trip Protection 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
49	Trip Protection Elite 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	Wander Frequent Traveler Plus excl US 24 hour assistance provided	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
	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	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
52	Travel Medical Basic 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
53	Travel Medical Basic excl 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 sixty‐ five (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 sixty‐ five (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
54	Travel Medical Choice excl 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 sixty‐ five (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 sixty‐ five (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
55	Travel Medical Plus 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

Tin Leg
Policy Name and Summary of Coverage		Full Policy Wording
56	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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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
57	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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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	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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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
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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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	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
61	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
62	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
63	USA Only 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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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 Concierge Services • Restaurant referrals and reservations • Ground-transportation arrangements • Event ticketing arrangements • Tee times and course recommendations • Floral services 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
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

Travel Insured International
Policy Name and Summary of Coverage		Full Policy Wording
65	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
66	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
67	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

Travelex Insurance Services
Policy Name and Summary of Coverage		Full Policy Wording
68	Travel Basic 24 hour assistance provided	ASSISTANCE SERVICES* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. World Travel Protection 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 *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. World Travel Protection 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 *Non-insurance services are provided by World Travel Protection. Read Hide Full Policy Wording
69	Travel Select 24 hour assistance provided	ASSISTANCE SERVICES* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. World Travel Protection 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 *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. World Travel Protection 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 *Non-insurance services are provided by World Travel Protection. Read Hide Full Policy Wording
70	Flight Insure 24 hour assistance provided	ASSISTANCE SERVICES* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. World Travel Protection 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. World Travel Protection 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
71	Flight Insure Plus 24 hour assistance provided	ASSISTANCE SERVICES* All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. World Travel Protection 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. World Travel Protection 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

TravelSafe
Policy Name and Summary of Coverage		Full Policy Wording
72	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
73	Classic 24 hour assistance provided	24 hour assistance is provided. Read Hide Full Policy Wording
	24 hour assistance is provided. Read Hide Full Policy Wording
74	Classic Plus 24 hour assistance provided	The 24-Hour Assistance Services are provided by: Seven Corners, Inc. Seven Corners Assist is available 24/7 to help you, no matter where you are. Our multilingual team is trained to solve your situation quickly and efficiently. Read Hide Full Policy Wording
	The 24-Hour Assistance Services are provided by: Seven Corners, Inc. Seven Corners Assist is available 24/7 to help you, no matter where you are. Our multilingual team is trained to solve your situation quickly and efficiently. Read Hide Full Policy Wording

Trawick International
Policy Name and Summary of Coverage		Full Policy Wording
75	Safe Travels International excl US 24 hour assistance provided	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services that include, Medical Monitoring Medical, Dental and Pharmacy Referrals, and Hospital Admission Guarantee. Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’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. Read Hide Full Policy Wording
	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services that include, Medical Monitoring Medical, Dental and Pharmacy Referrals, and Hospital Admission Guarantee. Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’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. Read Hide Full Policy Wording
76	Safe Travels International Cost Saver excl US 24 hour assistance provided	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services that include, Medical Monitoring Medical, Dental and Pharmacy Referrals, and Hospital Admission Guarantee. Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’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. Read Hide Full Policy Wording
	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services that include, Medical Monitoring Medical, Dental and Pharmacy Referrals, and Hospital Admission Guarantee. Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’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. Read Hide Full Policy Wording
77	Safe Travels USA Cost Saver 24 hour assistance provided	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services that include, Medical Monitoring Medical, Dental and Pharmacy Referrals, and Hospital Admission Guarantee. Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’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. 24/7 TRAVEL ASSISTANCE SERVICES TOLL FREE: 833-425-5101 (within the United States and Canada) COLLECT 603-952-2686 (From all other locations) Read Hide Full Policy Wording
	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services that include, Medical Monitoring Medical, Dental and Pharmacy Referrals, and Hospital Admission Guarantee. Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’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. 24/7 TRAVEL ASSISTANCE SERVICES TOLL FREE: 833-425-5101 (within the United States and Canada) COLLECT 603-952-2686 (From all other locations) Read Hide Full Policy Wording
78	Safe Travels USA Comprehensive 24 hour assistance provided	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services that include, Medical Monitoring Medical, Dental and Pharmacy Referrals, and Hospital Admission Guarantee. Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’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. 24/7 TRAVEL ASSISTANCE SERVICES TOLL FREE: 833-425-5101(within the United States and Canada) COLLECT 603-952-2686 (From all other locations) Read Hide Full Policy Wording
	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services that include, Medical Monitoring Medical, Dental and Pharmacy Referrals, and Hospital Admission Guarantee. Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’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. 24/7 TRAVEL ASSISTANCE SERVICES TOLL FREE: 833-425-5101(within the United States and Canada) COLLECT 603-952-2686 (From all other locations) Read Hide Full Policy Wording
79	Safe Travels Single Trip 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
80	Safe Travels First Class 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
81	Safe Travels Annual Executive 24 hour assistance provided	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services. Services offered include: -Pre-Trip Information -Medical Monitoring -Medical, Dental and Pharmacy Referrals -Legal Referrals – Bail bond* -Hospital Admission Guarantee -Dispatch of Medicine -Translation Service -Lost Baggage Retrieval -Inoculation Information -Passport / Visa Information -Emergency Message Forwarding -Emergency Cash Advance* -Prescription Drug / Eyeglass Replacement* *Payment reimbursement is Your responsibility Read Hide Full Policy Wording
	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services. Services offered include: -Pre-Trip Information -Medical Monitoring -Medical, Dental and Pharmacy Referrals -Legal Referrals – Bail bond* -Hospital Admission Guarantee -Dispatch of Medicine -Translation Service -Lost Baggage Retrieval -Inoculation Information -Passport / Visa Information -Emergency Message Forwarding -Emergency Cash Advance* -Prescription Drug / Eyeglass Replacement* *Payment reimbursement is Your responsibility Read Hide Full Policy Wording
82	Safe Travels Annual Deluxe 24 hour assistance provided	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services. Services offered include: -Pre-Trip Information -Medical Monitoring -Medical, Dental and Pharmacy Referrals -Legal Referrals – Bail bond* -Hospital Admission Guarantee -Dispatch of Medicine -Translation Service -Lost Baggage Retrieval -Inoculation Information -Passport / Visa Information -Emergency Message Forwarding -Emergency Cash Advance* -Prescription Drug / Eyeglass Replacement* *Payment reimbursement is Your responsibility Read Hide Full Policy Wording
	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services. Services offered include: -Pre-Trip Information -Medical Monitoring -Medical, Dental and Pharmacy Referrals -Legal Referrals – Bail bond* -Hospital Admission Guarantee -Dispatch of Medicine -Translation Service -Lost Baggage Retrieval -Inoculation Information -Passport / Visa Information -Emergency Message Forwarding -Emergency Cash Advance* -Prescription Drug / Eyeglass Replacement* *Payment reimbursement is Your responsibility Read Hide Full Policy Wording
83	Safe Travels Annual Basic 24 hour assistance provided	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services. Services offered include: -Pre-Trip Information -Medical Monitoring -Medical, Dental and Pharmacy Referrals -Legal Referrals – Bail bond* -Hospital Admission Guarantee -Dispatch of Medicine -Translation Service -Lost Baggage Retrieval -Inoculation Information -Passport / Visa Information -Emergency Message Forwarding -Emergency Cash Advance* -Prescription Drug / Eyeglass Replacement* *Payment reimbursement is Your responsibility Read Hide Full Policy Wording
	ON CALL INTERNATIONAL TRAVEL ASSISTANCE SERVICES The Travel Assistance program feature provides a variety of travel related services. Services offered include: -Pre-Trip Information -Medical Monitoring -Medical, Dental and Pharmacy Referrals -Legal Referrals – Bail bond* -Hospital Admission Guarantee -Dispatch of Medicine -Translation Service -Lost Baggage Retrieval -Inoculation Information -Passport / Visa Information -Emergency Message Forwarding -Emergency Cash Advance* -Prescription Drug / Eyeglass Replacement* *Payment reimbursement is Your responsibility Read Hide Full Policy Wording
84	Safe Travels Explorer 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
85	Safe Travels Voyager 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
86	Ruby 24 hour assistance provided	24 hour assistance provided. Read Hide Full Policy Wording
	24 hour assistance provided. Read Hide Full Policy Wording
87	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
88	Atlas International 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
89	Atlas America incl 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
90	Atlas Premium International 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
91	Atlas Premium America incl 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
92	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
93	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

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Additional Information