What is 24 Hour Assistance Service?

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.

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April Travel Protection
April Travel Protection
Policy Name and Summary of Coverage
1

Trip Cancellation Plan

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 qualified 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 fill a prescription that has been lost, stolen or requires a refill, 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 refill, etc. are your responsibility. The refill 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.

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2

Choice

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 qualified 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 fill a prescription that has been lost, stolen or requires a refill, 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 refill, etc. are your responsibility. The refill 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.

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3

Choice

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 qualified 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 fill a prescription that has been lost, stolen or requires a refill, 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 refill, etc. are your responsibility. The refill 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.

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4

Annual Plan

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 qualified 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 fill a prescription that has been lost, stolen or requires a refill, 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 refill, etc. are your responsibility. The refill 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.

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5

Pandemic Plus

24 hour assistance provided

24 Hour Assistance is provided in this plan.

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Arch RoamRight
Arch RoamRight
Policy Name and Summary of Coverage
6

Essential

24 hour assistance provided

TRAVEL ASSISTANCE

Replacement of Lost or Stolen Travel Documents.
UHC Global will assist the Participant in taking the necessary steps to replace passports, tickets, and other important travel documents.

Emergency Travel Arrangements.
UHC Global will make new reservations for airlines, hotels, and other travel services for a Participant in the event of a covered emergency.

Transfer of Funds.
UHC Global will provide the Participant with an emergency cash advance subject to UHC Global first securing funds from the Participant (via a credit card) or his/her family.

Legal Referrals.
Should Participants require legal assistance, UHC Global will direct the Participant to a duly licensed attorney in or around the area where the Participant is located.

Language Services.
UHC Global will provide immediate interpretation assistance to a Participant in a variety of languages in an emergency situation. If a requested interpretation is not available or the requested assistance is related to a nonemergency situation, UHC Global will provide the Participant with referrals to interpreter services. Written translations and other custom requests, including an on-site interpreter, will be subject to an additional fee.

Message Transmittals.
Participants may send and receive emergency messages toll-free, 24-hours a day, through the UHC Global Emergency Response Center.

MEDICAL ASSISTANCE

Worldwide Medical and Dental Referrals.
Upon a Participant’s request, UHC Global will provide referrals to pre-approved physicians, hospitals, dentists, and dental clinics in the area the Participant is traveling in order to assist the Participant in locating appropriate treatment and quality care.

Monitoring of Treatment.
As and to the extent permissible, UHC Global will continually monitor the Participant’s medical condition. Physician Advisors will provide consultative and advisory services to UHC Global in relation to the Participant’s medical condition, including review and analysis of the quality of medical care received by the Participant.

Relay of Insurance and Medical Information.
Upon a Participant’s request and authorization, UHC Global will relay the Participant’s insurance benefit information and/or medical records and information to a health care provider or treating physician, as appropriate and permissible, to help prevent delays or denials of medical care. UHC Global will also assist with hospital admission and discharge planning.

24-Hour Health Information.
UHC Global will provide access to registered nurses who are available 24 hours a day, 365 days a year, to deliver symptom decision support, evidence-based health information and education, and medication information. They will assist Participants in understanding treatment options to discuss with their doctor(s) and answer
medication questions.

Medication and Vaccine Transfers.
In the event a medication or vaccine is not available locally, or a prescription medication is lost or stolen, UHC Global will coordinate the transfer of the medication or vaccine to Participants upon the prescribing physician’s authorization, if it is legally permissible.

Updates to Family, Employer, and Home Physician.
Upon a Participant’s approval, UHC Global will provide periodic case updates to appropriate individuals designated by the Participant in order to keep them informed.

Replacement of Corrective Lenses and Medical Devices.
UHC Global will assist with the replacement of corrective lenses or medical devices if they are lost, stolen, or broken during travel.

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7

Preferred

24 hour assistance provided

Assistance Services listed in this section are not insurance benefits. Costs and expenses associated with the services provided by UHC Global are your responsibility, unless stated otherwise.

TRAVEL ASSISTANCE

Replacement of Lost or Stolen Travel Documents.
UHC Global will assist the Participant in taking the necessary steps to replace passports, tickets, and other important travel documents.

Emergency Travel Arrangements.
UHC Global will make new reservations for airlines, hotels, and other travel services for a Participant in the event of a covered emergency.

Transfer of Funds.
UHC Global will provide the Participant with an emergency cash advance subject to UHC Global first securing funds from the Participant (via a credit card) or his/her family.

Legal Referrals.
Should Participants require legal assistance, UHC Global will direct the Participant to a duly licensed attorney in or around the area where the Participant is located.

Language Services.
UHC Global will provide immediate interpretation assistance to a Participant in a variety of languages in an emergency situation. If a requested interpretation is not available or the requested assistance is related to a nonemergency situation, UHC Global will provide the Participant with referrals to interpreter services. Written translations and
other custom requests, including an on-site interpreter, will be subject to an additional fee.

Message Transmittals.
Participants may send and receive emergency messages toll-free, 24-hours a day, through the UHC Global Emergency Response Center.

MEDICAL ASSISTANCE

Worldwide Medical and Dental Referrals.
Upon a Participant’s request, UHC Global will provide referrals to pre-approved physicians, hospitals, dentists, and dental clinics in the area the Participant is traveling in order to assist the Participant in locating appropriate treatment and quality care.

Monitoring of Treatment.
As and to the extent permissible, UHC Global will continually monitor the Participant’s medical condition. Physician Advisors will provide consultative and advisory services to UHC Global in relation to the Participant’s medical condition, including review and analysis of the quality of medical care received by the Participant.

Relay of Insurance and Medical Information.
Upon a Participant’s request and authorization, UHC Global will relay the Participant’s insurance benefit information and/or medical records and information to a health care provider or treating physician, as appropriate and permissible, to help prevent delays or denials of medical care. UHC Global will also assist with hospital admission and discharge planning.

24-Hour Health Information.
UHC Global will provide access to registered nurses who are available 24 hours a day, 365 days a year, to deliver symptom decision support, evidence-based health information and education, and medication information. They will assist Participants in understanding treatment options to discuss with their doctor(s) and answer medication questions.

Medication and Vaccine Transfers.
In the event a medication or vaccine is not available locally, or a prescription medication is lost or stolen, UHC Global will coordinate the transfer of the medication or vaccine to Participants upon the prescribing physician’s authorization, if it is legally permissible.

Updates to Family, Employer, and Home Physician.
Upon a Participant’s approval, UHC Global will provide periodic case updates to appropriate individuals designated by the Participant in order to keep them informed.

Replacement of Corrective Lenses and Medical Devices.
UHC Global will assist with the replacement of corrective lenses or medical devices if they are lost, stolen, or broken during travel.

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8

Multi-Trip

24 hour assistance provided

TRAVEL ASSISTANCE

Replacement of Lost or Stolen Travel Documents.
UHC Global will assist the Participant in taking the necessary steps to replace passports, tickets, and other important travel documents.

Emergency Travel Arrangements.
UHC Global will make new reservations for airlines, hotels, and other travel services for a Participant in the event of a covered emergency.

Transfer of Funds.
UHC Global will provide the Participant with an emergency cash advance subject to UHC Global first securing funds from the Participant (via a credit card) or his/her family.

Legal Referrals.
Should Participants require legal assistance, UHC Global will direct the Participant to a duly licensed attorney in or around the area where the Participant is located.

Language Services.
UHC Global will provide immediate interpretation assistance to a Participant in a variety of languages in an emergency situation. If a requested interpretation is not available or the requested assistance is related to a nonemergency situation, UHC Global will provide the Participant with referrals to interpreter services. Written translations and other custom requests, including an on-site interpreter, will be subject to an additional fee.

Message Transmittals.
Participants may send and receive emergency messages toll-free, 24-hours a day, through the UHC Global Emergency Response Center.

MEDICAL ASSISTANCE

Worldwide Medical and Dental Referrals.
Upon a Participant’s request, UHC Global will provide referrals to pre-approved physicians, hospitals, dentists, and dental clinics in the area the Participant is traveling in order to assist the Participant in locating appropriate treatment and quality care.

Monitoring of Treatment.
As and to the extent permissible, UHC Global will continually monitor the Participant’s medical condition. Physician Advisors will provide consultative and advisory services to UHC Global in relation to the Participant’s medical condition, including review and analysis of the quality of medical care received by the Participant.

Relay of Insurance and Medical Information.
Upon a Participant’s request and authorization, UHC Global will relay the Participant’s insurance benefit information and/or medical records and information to a health care provider or treating physician, as appropriate and permissible, to help prevent delays or denials of medical care. UHC Global will also assist with hospital admission and discharge planning.

24-Hour Health Information.
UHC Global will provide access to registered nurses who are available 24 hours a day, 365 days a year, to deliver symptom decision support, evidence-based health information and education, and medication information. They will assist Participants in understanding treatment options to discuss with their doctor(s) and answer medication questions.

Medication and Vaccine Transfers.
In the event a medication or vaccine is not available locally, or a prescription medication is lost or stolen, UHC Global will coordinate the transfer of the medication or vaccine to Participants upon the prescribing physician’s authorization, if it is legally permissible.

Updates to Family, Employer, and Home Physician.
Upon a Participant’s approval, UHC Global will provide periodic case updates to appropriate individuals designated by the Participant in order to keep them informed.

Replacement of Corrective Lenses and Medical Devices.
UHC Global will assist with the replacement of corrective lenses or medical devices if they are lost, stolen, or broken during travel.

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AXA Assistance USA
AXA Assistance USA
Policy Name and Summary of Coverage
9

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.

Pet Housing and Return
We can assist with pet friendly hotel accommodations, boarding facilities and travel home for pets.

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.

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.

Urgent Message Relay
We will relay emergency messages on your behalf.

Legal Referrals
We will provide referrals to an interpreter or legal personnel to you as necessary.

Political and Security Emergency Evacuation
We will make all reasonable efforts to assist with transportation arrangements on political grounds based on your home country government’s decision that such evacuation is necessary. We can also provide security alerts on events occurring throughout the world. Payment for the political and security evacuation is only available for covered claims under the Platinum plan, up to the amount provided in the policy.

TRAVEL ASSISTANCE

The Travel Assistance feature provides a variety of travel related services. Services offered include:

Assistance with arrangements related to Emergency Transportation

· Medical or legal referral
· Hospital admission guarantee · Emergency cash advance*
· Translation service
· Prescription drug / eyeglass replacement* Passport / visa information
· Bail bond*
· Lost Baggage retrieval
· Inoculation information
*Payment reimbursement to the Assistance Company is Your responsibility.

For travel assistance services only

CALL TOLL FREE: 1-855-327-1442 (within the United States and Canada) OR CALL COLLECT: 1-312-935-1719 (from all other locations)

Travel assistance services are provided by AXA Assistance USA, Inc., an independent organization and not by Nationwide Mutual Insurance Company or its affiliated companies.

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.

Please Note: Travel Assistance Services are not insurance.

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10

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.

Pet Housing and Return

We can assist with pet friendly hotel accommodations, boarding facilities and travel home for pets.

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.

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.

Urgent Message Relay

We will relay emergency messages on your behalf.

Legal Referrals

We will provide referrals to an interpreter or legal personnel to you as necessary.

Political and Security Emergency Evacuation

We will make all reasonable efforts to assist with transportation arrangements on political grounds based on your home country government’s decision that such evacuation is necessary. We can also provide security alerts on events occurring throughout the world. Payment for the political and security evacuation is only available for covered claims under the Platinum plan, up to the amount provided in the policy.

TRAVEL ASSISTANCE

The Travel Assistance feature provides a variety of travel related services.

Services offered include:

-Assistance with arrangements related to Emergency Transportation
-Medical or legal referral
-Hospital admission guarantee
-Emergency cash advance*
-Translation service
-Prescription drug / eyeglass replacement*
-Passport / visa information
-Bail bond*
-Lost Baggage retrieval
-Inoculation information

*Payment reimbursement to the Assistance Company is Your responsibility

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11

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.

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.

Pet Housing and Return
We can assist with pet friendly hotel accommodations, boarding facilities and travel home for pets.

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.

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.

Urgent Message Relay
We will relay emergency messages on your behalf.

Legal Referrals
We will provide referrals to an interpreter or legal personnel to you as necessary.

Political and Security Emergency Evacuation
We will make all reasonable efforts to assist with transportation arrangements on political grounds based on your home country government’s decision that such evacuation is necessary. We can also provide security alerts on events occurring throughout the world. Payment for the political and security evacuation is only available for covered claims under the Platinum plan, up to the amount provided in the policy.

TRAVEL ASSISTANCE

The Travel Assistance feature provides a variety of travel related services.

Services offered include:

-Assistance with arrangements related to Emergency Transportation
-Medical or legal referral
-Hospital admission guarantee
-Emergency cash advance*
-Translation service
-Prescription drug / eyeglass replacement*
-Passport / visa information
-Bail bond*
-Lost Baggage retrieval
-Inoculation information

*Payment reimbursement to the Assistance Company is Your responsibility.

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Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC
Policy Name and Summary of Coverage
12

Beacon America incl US

24 hour assistance provided

International Client Assistance

If it matters to you to know that someone is always by your side while traveling in a distant land, the Beacon Series can ease your mind while you are away from the familiar surroundings of home. For no extra charge, each Beacon Series plan includes the following key services to help you when you are in the greatest need:

Real Time Call Center – Never worry about accessing the assistance you need while you are many time zones away. Azimuth is available at all times for emergency assistance. A caring, helpful voice on the other end of the phone is always available, no matter where you are and what time it is.

Lost Baggage Tracking – If you’ve ever had to chase down your airline baggage department to find out where your luggage may have gone, you will appreciate our ability to do so on your behalf. Enjoy your travel without having to make multiple phone calls to get updates on your baggage delivery.

Medical Referrals &Travel Advisories – Need a doctor or the nearest hospital? One free call gets you the information you need get in the know, before you go; call us to learn areas to avoid, travel delays, weather alerts and more.

Crisis Cash Advance – we’ll help you get to your money so you can stay on the go.

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13

Beacon International excl US

24 hour assistance provided

International Client Assistance

If it matters to you to know that someone is always by your side while traveling in a distant land, the Beacon Series can ease your mind while you are away from the familiar surroundings of home. For no extra charge, each Beacon Series plan includes the following key services to help you when you are in the greatest need:

Real Time Call Center – Never worry about accessing the assistance you need while you are many time zones away. Azimuth is available at all times for emergency assistance. A caring, helpful voice on the other end of the phone is always available, no matter where you are and what time it is.

Lost Baggage Tracking – If you’ve ever had to chase down your airline baggage department to find out where your luggage may have gone, you will appreciate our ability to do so on your behalf. Enjoy your travel without having to make multiple phone calls to get updates on your baggage delivery.

Medical Referrals &Travel Advisories – Need a doctor or the nearest hospital? One free call gets you the information you need get in the know, before you go; call us to learn areas to avoid, travel delays, weather alerts and more.

Crisis Cash Advance – we’ll help you get to your money so you can stay on the go.

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battleface
battleface
Policy Name and Summary of Coverage
14

Travel Medical Single Trip

24 hour assistance provided

24 hour assistance provided.

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15

Adventure Travel Single Trip

24 hour assistance provided

24 hour assistance provided.

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Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
16

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.

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17

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.

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18

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.

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19

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.

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Cat 70
Cat 70
Policy Name and Summary of Coverage
20

Travel Plan

24 hour assistance provided

ASSISTANCE SERVICES

All insureds covered by Starr travel insurance and assistance policies receive a suite of travel assistance and concierge benefits from Starr Companies’ wholly owned assistance company, Assist Card. Assist Card representatives can be reached at any time from anywhere in the world; they are standing by to help 24/7, 365.

From natural disasters to lost passports, there are many events that can turn a fantastic trip into a disastrous one. Whether you’re dealing with a cancelled flight, lost luggage, or a medical emergency, our services are designed to provide fast, effective solutions.

Assist Card is not just there for you when things go wrong. Concierge services are always available to help you with everything from arranging tee times to finding local cultural activities.

We are at your service for the following:

Pre-Trip Services

-Passport and visa requirements, including information on how to obtain these documents
-Travel advisories
-Foreign currency exchange rates
-Inoculation and immunization requirements
-Temperature and weather conditions
-Address and telephone number of the nearest consulate or embassy
-Cultural and other events

During Trip Services

-Access to medical providers
-Medical transfers (in-country)
-Medical evacuation & repatriation
-Repatriation of remains
-Medical monitoring
-Eyeglasses replacement
-Medications replacement
-Lost luggage
-Legal assistance abroad

Concierge Services

-Travel reservation services
-Destination profiles
-Message service
-Language services
-Event ticketing
-Floral services
-Hotel accommodations
-Restaurant referrals and reservations

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Generali Global Assistance
Generali Global Assistance
Policy Name and Summary of Coverage
21

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.

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22

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.

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23

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.

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GeoBlue
GeoBlue
Policy Name and Summary of Coverage
24

Voyager Choice

24 hour assistance provided

24 hour assistance is provided.

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25

Voyager Essential

24 hour assistance provided

24 hour assistance is provided.

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26

Trekker Choice excl US

24 hour assistance provided

24 hour assistance is provided.

Read Hide Full Policy Wording
27

Trekker Essential excl US

24 hour assistance provided

24 hour assistance is provided.

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Global Underwriters
Global Underwriters
Policy Name and Summary of Coverage
28

Diplomat America

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

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29

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
30

Diplomat LT excl US

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
31

Diplomat LT incl US

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
HTH Travel Insurance
HTH Travel Insurance
Policy Name and Summary of Coverage
32

TravelGap Voyager excl US

24 hour assistance provided

24 hour assistance is provided.

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33

TripProtector Preferred

24 hour assistance provided

As a TripProtector member – services available to you through your travel assistance portion of your package include:

Medical Evacuation

You will receive help coordinating and paying for medical evacuation to the nearest appropriate treatment facility or back home when medically necessary.

Prescription Drug Replacement

If you lose or exhaust your supply of prescription medications, HTH Worldwide (HTH) will assist in replacing the medication via shipment or local pharmacy.

Contact Lenses Replacement

If you lose your contact lenses while traveling, HTH will assist in replacing the lenses.

City Health Information

Access health-related travel planning information, such as health and safety reports, emergency room numbers, dependable pharmacies, country health system background, drug translations around the globe as well as medical phrase translations for 10 languages.ses.

Advance of Medical Payment

If health care providers require payment in advance, HTH will assist you in making a payment in cash, if necessary.

Passport Replacement/Embassy Referral

If your passport is lost or stolen or you need to assert your rights as a U.S. citizen, HTH will refer you to the most convenient and appropriate embassy or consulate.s.

Lost Baggage Retrieval

If your baggage is lost or delayed in transit, HTH will assist in working with the airline to resolve the issue.

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34

TravelGap Excursion excl US

24 hour assistance provided

24 hour assistance is provided.

Read Hide Full Policy Wording
35

TripProtector Economy

24 hour assistance provided

As a TripProtector member – services available to you through your travel assistance portion of your package include:

Medical Evacuation

You will receive help coordinating and paying for medical evacuation to the nearest appropriate treatment facility or back home when medically necessary.

Prescription Drug Replacement

If you lose or exhaust your supply of prescription medications, HTH Worldwide (HTH) will assist in replacing the medication via shipment or local pharmacy.

Contact Lenses Replacement

If you lose your contact lenses while traveling, HTH will assist in replacing the lenses.

City Health Information

Access health-related travel planning information, such as health and safety reports, emergency room numbers, dependable pharmacies, country health system background, drug translations around the globe as well as medical phrase translations for 10 languages.ses.

Advance of Medical Payment

If health care providers require payment in advance, HTH will assist you in making a payment in cash, if necessary.

Passport Replacement/Embassy Referral

If your passport is lost or stolen or you need to assert your rights as a U.S. citizen, HTH will refer you to the most convenient and appropriate embassy or consulate.s.

Lost Baggage Retrieval

If your baggage is lost or delayed in transit, HTH will assist in working with the airline to resolve the issue.

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36

TripProtector Classic

24 hour assistance provided

As a TripProtector member – services available to you through your travel assistance portion of your package include:

Medical Evacuation

You will receive help coordinating and paying for medical evacuation to the nearest appropriate treatment facility or back home when medically necessary.

Prescription Drug Replacement

If you lose or exhaust your supply of prescription medications, HTH Worldwide (HTH) will assist in replacing the medication via shipment or local pharmacy.

Contact Lenses Replacement

If you lose your contact lenses while traveling, HTH will assist in replacing the lenses.

City Health Information

Access health-related travel planning information, such as health and safety reports, emergency room numbers, dependable pharmacies, country health system background, drug translations around the globe as well as medical phrase translations for 10 languages.ses.

Advance of Medical Payment

If health care providers require payment in advance, HTH will assist you in making a payment in cash, if necessary.

Passport Replacement/Embassy Referral

If your passport is lost or stolen or you need to assert your rights as a U.S. citizen, HTH will refer you to the most convenient and appropriate embassy or consulate.s.

Lost Baggage Retrieval

If your baggage is lost or delayed in transit, HTH will assist in working with the airline to resolve the issue.

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iTravelInsured
iTravelInsured
Policy Name and Summary of Coverage
37

Travel Lite

24 hour assistance provided

24 Hour assistance is provided.

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38

Travel SE

24 hour assistance provided

24 Hour assistance is provided.

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39

Travel LX

24 hour assistance provided

24 Hour assistance is provided.

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40

Travel LX Basic

24 hour assistance provided

24 Hour assistance is provided.

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John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
41

Bronze

24 hour assistance provided

24 Hour assistance is provided.

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42

Silver

24 hour assistance provided

24 Hour assistance is provided.

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43

Gold

24 hour assistance provided

24 Hour assistance is provided.

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MedjetAssist
MedjetAssist
Policy Name and Summary of Coverage
44

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.

TRANSPORT OF MORTAL REMAINS

In the event of a Member’s death while traveling 150 miles or more away from the registered membership home address, Medjet will arrange and pay reasonable and customary charges up to $6,000 for the preparation and return of the Member’s remains to the Member’s Home Country. These charges will be at the sole discretion of Medjet.

This membership benefit includes:

• Domestic and international paperwork fees
• Preparation of the Member’s remains for transport
• Transport container
• Ground and airline transport from the referring funeral home to the funeral home of choice for the Member’s remains
• One death certificate

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45

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.

TRANSPORT OF MORTAL REMAINS

In the event of a Member’s death while traveling 150 miles or more away from the Member’s Residence Address, Medjet will arrange and pay reasonable and customary charges up to $6,000 for the preparation and return of the Member’s remains to the Member’s Home Country. These charges will be at the sole discretion of Medjet.

This membership benefit includes:

• Domestic and international paperwork fees
• Preparation of the Member’s remains for transport
• Transport container
• Ground and airline transport of the Member’s remains from the referring funeral home to the funeral home of choice in the Member’s Home Country
• One death certificate

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46

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.

TRANSPORT OF MORTAL REMAINS

In the event of a Member’s death while traveling 150 miles or more away from the Member’s Residence Address, Medjet will arrange and pay reasonable and customary charges up to $6,000 for the preparation and return of the Member’s remains to the Member’s Home Country. These charges will be at the sole discretion of Medjet.

This membership benefit includes:

• Domestic and international paperwork fees
• Preparation of the Member’s remains for transport
• Transport container
• Ground and airline transport of the Member’s remains from the referring funeral home to the funeral home of choice in the Member’s Home Country
• One death certificate

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Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
47

Essential

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

FOR 24/7 TRAVEL ASSISTANCE SERVICES ONLY

CALL TOLL FREE:

888-878-4757 (within the United States and Canada)

OR CALL COLLECT

603-328-1937 (From all other locations)

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.

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48

Prime

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

FOR 24/7 TRAVEL ASSISTANCE SERVICES ONLY

CALL TOLL FREE:

888-878-4757 (within the United States and Canada) OR CALL COLLECT

603-328-1937 (From all other locations)

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.

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49

Cruise Universal

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
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50

Cruise Choice

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

FOR 24/7 TRAVEL ASSISTANCE SERVICES ONLY

CALL TOLL FREE:

855-258-0333 (within the United States and Canada)

OR CALL COLLECT:

603-952-2037 (From all other locations)

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.

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51

Cruise Luxury

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

FOR 24/7 TRAVEL ASSISTANCE SERVICES ONLY

CALL TOLL FREE:

855-258-0333 (within the United States and Canada)

OR CALL COLLECT:

603-952-2037 (From all other locations)

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.

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Seven Corners Inc
Seven Corners Inc
Policy Name and Summary of Coverage
52

RoundTrip Choice

24 hour assistance provided

24 hour assistance is provided.

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53

RoundTrip Economy

24 hour assistance provided

24 hour assistance is provided.

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54

RoundTrip Elite

24 hour assistance provided

24 hour assistance is provided.

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55

Wander Frequent Traveler 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.

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56

Liaison Travel Choice 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 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.

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57

Liaison Travel 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 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.

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58

Liaison Travel Plus 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 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.

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59

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.

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60

RoundTrip Basic

24 hour assistance provided

24 hour assistance is provided.

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Tin Leg
Tin Leg
Policy Name and Summary of Coverage
61

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.

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62

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.

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63

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.

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64

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.

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65

Gold

24 hour assistance provided

ASSISTANCE SERVICES

All insureds covered by Starr travel insurance and assistance policies receive a suite of travel assistance and concierge benefits from Starr Companies’ wholly owned assistance company, Assist Card. Assist Card representatives can be reached at any time from anywhere in the world; they are standing by to help 24/7, 365.

From natural disasters to lost passports, there are many events that can turn a fantastic trip into a disastrous one. Whether you’re dealing with a cancelled flight, lost luggage, or a medical emergency, our services are designed to provide fast, effective solutions.

Assist Card is not just there for you when things go wrong. Concierge services are always available to help you with everything from arranging tee times to finding local cultural activities.

We are at your service for the following:

Pre-Trip Services

-Passport and visa requirements, including information on how to obtain these documents
-Travel advisories
-Foreign currency exchange rates
-Inoculation and immunization requirements
-Temperature and weather conditions
-Address and telephone number of the nearest consulate or embassy
-Cultural and other events

During Trip Services

-Access to medical providers
-Medical transfers (in-country)
-Medical evacuation & repatriation
-Repatriation of remains
-Medical monitoring
-Eyeglasses replacement
-Medications replacement
-Lost luggage
-Legal assistance abroad

Concierge Services

-Travel reservation services
-Destination profiles
-Message service
-Language services
-Event ticketing
-Floral services
-Hotel accommodations
-Restaurant referrals and reservations

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66

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.

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Travel Insured International
Travel Insured International
Policy Name and Summary of Coverage
67

Worldwide Trip Protector

24 hour assistance provided

WORLDWIDE NON-INSURANCE ASSISTANCE SERVICES

The Travel Assistance feature provides a variety of travel related services.

Services offered include:

• Medical or Legal Referral
• Inoculation Information
• Hospital Admission Guarantee
• Telemedicine
• House Calls
• Translation Service
• Lost Baggage Retrieval
• Passport/Visa Information
• Emergency Cash Advance
• Bail Bond
• Prescription Drug/Eyeglass Replacement
• ID Theft Resolution Service
• Concierge Service
• Business Concierge

24/7 Worldwide Non-Insurance Assistance Services
Travel Assistance, Medical Emergency, Concierge Service, Business Concierge, and ID Theft Resolution Service

FOR EMERGENCY ASSISTANCE DURING YOUR TRIP CALL:

800-494-9907 (From US/Canada)

OR CALL COLLECT:
603-328-1707 (From all other locations)

Travel assistance non-insurance services are provided by an independent organization and not by United States Fire Insurance Company or Travel Insured International. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help You resolve Your emergency situation.

AVAILABILITY OF SERVICES

You are eligible for information and concierge services at any time after You purchase this plan. The Emergency Assistance Services become available when You actually start Your Covered Trip. Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when You reach Your return destination; or when You complete Your Covered Trip. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts.

IDENTITY THEFT RESOLUTION SERVICES

In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status.
Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit.

CONCIERGE SERVICES

Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties and for the actual cost of merchandise, entertainment, sports, tickets, food and beverages and other disbursement items.

Services offered include:
• Destination Profiles
• Epicurean Needs
• Event Ticketing • Floral Services
• Tee Time Reservations
• Hotel Accommodations
• Meet-And-Greet Services
• Shopping Assistance Services
• Pre-Trip Assistance
• Procurement of Hard-To-Find Items
• Restaurant Referrals and Reservations
• Rental Car Reservations
• Airline Reservations

BUSINESS CONCIERGE SERVICES

Concierge Services are provided by Travel Insured’s designated provider. There is no charge for the services provided by the provider. You are responsible for the cost of services provided and charged for by third parties. Services offered include:
• Emergency Correspondence And Business Communication Assistance
• Assistance With Locating Available Business Services Such As:
Express/Overnight Delivery Sites, Internet Cafes, Print/Copy Services
• Assistance With Or Arrangements For Telephone And Web Conferencing
• Emergency Messaging To Customers, Associates, And Others (Phone, Fax, E-mail, Text, etc.)
• Real Time Weather, Travel Delay And Flight Status Information
• Worldwide Business Directory Service For Equipment Repair/Replacement, Warranty Service, etc.
• Emergency Travel Arrangements

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

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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.

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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.

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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.

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TravelSafe
TravelSafe
Policy Name and Summary of Coverage
72

Basic

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.

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73

Classic

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.

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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.

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Trawick International
Trawick International
Policy Name and Summary of Coverage
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
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
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)

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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)

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79

Safe Travels Single Trip

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
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80

Safe Travels First Class

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
81

Safe Travels Outbound excl US

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
82

Safe Travels Outbound 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. 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 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
84

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
85

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

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86

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
- Return of Traveling Companion

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

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87

Safe Travels Journey

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
-Return of Traveling Companion

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

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88

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

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89

Safe Travels Explorer Plus

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
-Return of Traveling Companion

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

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USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
90

Ruby

24 hour assistance provided

24 hour assistance provided.
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91

Diamond

24 hour assistance provided

24 hour assistance provided.
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WorldTrips
WorldTrips
Policy Name and Summary of Coverage
92

Atlas International excl US

24 hour assistance provided

24 hour assistance is provided.

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93

Atlas America incl US

24 hour assistance provided

24 hour assistance is provided.

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94

Atlas Premium International excl US

24 hour assistance provided

24 hour assistance is provided.

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95

Atlas Premium America incl US

24 hour assistance provided

24 hour assistance is provided.

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Multi-Award Winning Customer Service Team

Squaremouth’s outside-the-box approach to customer service has been recognized nationally and internationally, with 16 awards in 6 years. Customer service is part of everybody’s job at Squaremouth. Every employee spends time on the phone with customers each week.

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$30,000 Contest Encourages Reading Policy Documents

To highlight the importance of reading policy documents from start to finish, Squaremouth awarded one customer $10,000 in a secret contest for being the first to read hers. Then, we gave another $10,000 to a children’s literacy charity and $5,000 each to two schools.

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$1,000 Tips Shine a Light on Service

Squaremouth, a company that puts a focus on customer service, rewards 20 outstanding customer service providers in St. Petersburg, Florida with $1,000 cash tips. Then, one received an additional $10,000 as the Thank You Campaign’s grand prize winner.

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One of America’s Best and Fastest-Growing Companies

Squaremouth is consistently awarded for its unique company culture and steady revenue growth. This includes national recognition from Inc. Magazine, Fortune, and Entrepreneur, and local recognition from the Tampa Bay Business Journal and Florida Trend.

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